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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Five Questions,2 Disputes And Cabot


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Is that really all they sent you in reply to your CCA request?

http://i576.photobucket.com/albums/ss209/marcog111/21052009242.jpg

 

Now CCA's are not my forte, but from what little knowledge I have of them, even I can see that it is very questionable!

 

If you have never received a DN how are you supposed to know your in debt?

 

To be honest no-one has proved you actually owe this money?

 

Crapbot need a damn good hiding, tell them you are seeking legal advice with a view to taking them to court for false accusations, harassment, and just plain idiotic behaviour!

 

Report them to the OFT at the very

least;[email protected]

The Office of Fair Trading: Contact us

 

https://www.ico.gov.uk/Global/contact_us.aspx

 

Consumer Direct

 

How to Complain

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thankyou bazooka boo,they did send 14 pages of terms and conditions but thats all they sent with relevance to my CCA request.The sar from `bank of scotland` was not much better:)

 

It doesn't seem to me that they are overly concerned to get their money?

 

I would have thought that if someone owed money, they would certainly try alot harder to get it back:confused:

 

Hopefully a CCA expert will pick up on this thread now, and you can get some further advice regarding this, the 50% reduction 'one time offer' is a little gimmick they like to use. Hoping that you will miraculously think 'Oh yeah, now that's a good offer'

 

It may be, but not when you consider they will have paid as little as 16 pence in the pound for the debt.:eek:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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just wondering if the original creditor never issued a DN or NOA and they returned the balance to zero before selling to Cabot would that mean that there is no debt to actually collect? getting a wee bit confused as to the relevance of no DN....:)

 

A Default notice is simply a record placed on your file by creditors stating that you have been in default in some way. Such notices may have been placed without your knowledge and despite a subsequent remedy to the default.

Under the terms of your credit agreement you will probably have agreed that the lender has the right to inform the credit agencies of any default.

A default notice is a formal letter sent to you by a lender or creditor if you are in arrears with your account. Creditors and lenders are legally obliged to advise you formally in writing that you have missed payments.

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When you receive a DN it would clearly state what action you should remedy and a time in which you should remedy this action by so as not to place a marker on your file.

In laymans terms, pay us this amount by this date and no further action will be taken.

 

But if they have failed to provide you with ay correspondence then the following may be of some use;

Notice pursuant to s.10 of The Data Protection Act 1998.

 

 

 

 

 

Re: account no. xxxxxxxxxxxx

Account holder. xxxxxxxxxxxxxxxxxx

Address. xxxxxxxxxxxxxxxxxxxx

 

Whereas I have been a customer of xxxxx since xxxxx and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thanks again bazooka boo,but what happens if the account clearly shows a zero balance before its sold to a DCA?.my SAR shows the balance at zero then a month later the debt is assigned(as Cabot claim)a month later,would that mean that only the arrears is due as they seem to have clearly written the debt off and terminated the account even though they never issued a default notice?sorry for all the questions im just trying to get my head around this so i can try and put this to rest(for now)

 

 

OK, if the account 'clearly' shows ZERO, then there is absolutely no question you owe anyone any money!:D

 

If Crapbot are saying that you owe them money and you can clearly see that you don't, drag them through the courts..,

Seek legal advice and put this ridiculous farcical company out of their misery..you should tell them to stop processing your personal data;

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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P.S.

Not Defending the lowlifes, but DCA's are employed by the OC (technically) So if the DCA is asking you for money from an alleged debt with a bank, then it is the bank who is answerable to their chosen DCA's tactics.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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again many thanks bazooka boo, i will fire of a letter on monday with a copy of what the OC sent me which shows the balance at zero.your a star and im truely grateful

 

We Are all at one time indebted to this fantastic site, those that are now aware of CAG are now better informed and much better aware of our rights.

What I have learnt has been from here, and I readily donate a small token of my appreciation.:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Personally and IMHO, I would not send them anything.

But I am very well known for being extremely stubborn, and tight fisted:D.

 

I certainly wouldn't entertain them with another letter in an attempt to seek their pity and forgiveness.

 

The simple fact that this company was willing to seek from you payment against an alleged debt which was SB, speaks volumes as to where their interests and concerns lie.

 

Ignore them, and report them. Tell them to provide you proof of any debt they allege you owe, and when they don't, or can't, tell them to foxtrot oscar...

 

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

Slightly confused...again!..

I guess that you know what abbreviations mean on the statement of account?

I.E Bad debt W/O??

 

Are you saying that this account was settled with BOS, then crapbot fabricated the amount they say is owed?

 

Does the date Crapbot bought the debt tie in with the date on the S.of A.

As is the same with defaults placed on your CRF, once a debt has been 'sold' then the new owner will put their own name against the money outstanding, and the OC will/should delete the entry off your CRF, and show a zero balance.

 

So I am thinking that the figure BOS alleged that you owed, was 'sold' to crapbot, hence why the S.of A from BOS shows a zero balance.

 

If your saying that you cleared this debt and have the evidence to prove this, then crapbot are as deluded as gordon clown and his government.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, much clearer now.

 

Well I would expect the reason why they had a Zero account (BOS) is because they had sold it onto Crapbot.

 

Did you receive a notice of assignment from BOS? And did you receive anything from crapbot stating that they had now bought the alleged debt?

 

You disputed this amount as you thought it was SB, who has supplied evidence that it is not SB?

BOS or Crapbot, or none of the above?

 

So basically, you disputed this with BOS, they then flogged it onto crapbot, who are non the wiser that this was a disputed debt they bought?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK so exactly what did you get in your SAR?

 

Have a read of this other thread, and look at the Law of Property Act, and the info Lilly White has posted in relation to assignment of debts.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/242324-notice-assignment-law-property.html

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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