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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Robinson Way CCJ/CO Cap1 card debt - was unable to respond - now want to set aside **LOST** - appealed - **WON** Claim reset - **WON - Case dismissed**


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Thanx for that PT, will have a letter off by end of weekend. Can you point me in the right direction of what I should do if they ignore that letter?

 

I have also, using your sticky, made a part 18 request which they have answered and confirmed they do not have the original credit agreement. I asked for info re default notice as it wasn't pleaded in POC. They have referred to the date a default notice was issued, but did not attach a copy to their reply. Am I correct in making a 31.14 request for a copy of the default notice? When I won my appeal, part of the order was for me to file a defence by specified date. Would it be OK to try to agree an extension of the date as to prepare a proper defence I would need them to answer a 2nd part 18 request as the first one was not answered with clarity for one question and I require a copy of Default notice?

 

I know my one question has led to a couple of others, but your help would be greatly appreciated.

R

 

refusal to pay is contempt of court, punishable by imprisonment in extreme cases

 

You could contact your opponents and remind them of this;)

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Hi Robin,

 

Have seen something on here about sending the bailiffs in following the court enforcement process. I believe there is a form to use and a fee to pay (check with the court office) which will be added to the money you are trying to recover. Before taking this step, it will be prudent to check the company's public accounts (if available) before investing any more money chasing them.

 

Hope this helps.

 

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Hi Robin,

 

I see pt has popped in and offered some advice. :)

 

I think you need to send them a reminder letter just slipping in what pt has advised:D

 

Give them just 7 days to obey the court order in respect of your costs.

 

Then I guess you would issue a claim against them for that amount, or perhaps instruct bailiffs.

 

I am still searching for the thread where this has been discussed before.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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My opinion...

 

Court orders are worth absolutely nothing outside of court. You can try and make them pay by sending letters etc but if they are ignoring you at this stage there is nothing you can do other than to take it back to court for enforcement.

 

This means more time/expense etc...

 

There are routes to enforce the order via the court but this depends what your favourite flavour is... you can look at a Warrant of Execution if you want to send the bailiffs in... a Garnishee Order if you know their bank account details

 

But the route for enforcement is always through the courts (it's how they make their money ;))

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Thanks to PT, CitizenB and VJ for your input on the non payment of costs issue. My understanding is that the remedies open to me are all normal enforcement remedies available when judgment is obtained (what they try to use on us) plus the contempt of court angle.

 

I'll write to other side, pointing out by not complying with order theyb are in contempt of court, giving them 7 days otherwise further action will be taken without any further reference to them.

 

I'll let the forum know the outcome.

R

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Update on costs. They arrived today after contempt of court letter. Thanks PT your suggestion worked perfectly.

 

Just like opinion now on next stage. I have followed your guidnace in your sticky PT on Part 18 and 31.14 Requests. From Requests and Replies I have the following:

 

1. They do not have the original executed agreement.

 

2. They only have a copy of the front of the application for credit card/agreement (NO BACK).

 

3. they have provided a copy of T&C's that have no link to agreement in 1 & 2.

 

4. They rely upon a DN but don't have a copy.

 

5. They rely upon a "legal assignment" NOT and "absolute assignment" or Equitable assignment". (DON'T MAKE SENSE THIS AS I THOUGHT A LEGAL ASSIGNMENT MUST BE ABSOLUTE).

 

6. They rely upon a NOA but have no proof of service.

 

7. They rely upon R. 3(2) of Cancellation NOtices & Copy Docs Regs 1983 (Seems load of Bullsh*t to me).

 

Question is, what should be my next move. Not sure whether to go for strikeout, or defend, or apply order for disclosure on DN (unless order) that they say they will provide at some time if they can find it. If you are looking in PT your views would be very much appreciated.

R

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ok,

 

Procedurally they are in difficulty,

 

Did they plead a default notice in their particulars of claim? if they did then they need to either disclose it or account for where it went, if they have never had the notice then they are in real problems as they signed a statement of truth

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No it wasn't in POC. The question was asked in a Part 18 request what date the defendant was served with a DN as required by CCA. By their Reply they gave the date, obviously withy statement of truth and by 31.14 request they confirmed they did not have a copy

R

ok,

 

Procedurally they are in difficulty,

 

Did they plead a default notice in their particulars of claim? if they did then they need to either disclose it or account for where it went, if they have never had the notice then they are in real problems as they signed a statement of truth

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No it wasn't in POC. The question was asked in a Part 18 request what date the defendant was served with a DN as required by CCA. By their Reply they gave the date, obviously withy statement of truth and by 31.14 request they confirmed they did not have a copy

R

so, you have leave to file your defence, it seems that, the answers to part 18 allow you to defend the matter fairly easy

 

I do not think a strike out would succeed here, the judge may consider that there are triable issues here

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Thanx pt. Are there any suggestions to include in the defence?

R

 

so, you have leave to file your defence, it seems that, the answers to part 18 allow you to defend the matter fairly easy

 

I do not think a strike out would succeed here, the judge may consider that there are triable issues here

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Just a quick follow up on my last post. Your stiky's PT on using part 18 and 31.14 requests are first class. I have seen how they work and enables you to get info and docs (or not so with DN in my case) and flushes out info. So thanx again PT. Yes have leave to file defence and thats my next job.

R

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Excellent news, Robin:D

 

Sorry, unable to help with your other query. :(

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Started to put together my defence and have a question. On reviewing my research notes, I have come across something that (I think) PT posted. It said

 

such as hfo v Patel

 

which says, if the agreement is improperly executed then the lender needs to plead for an order under 65 and in default of this the claim fails. the lender cannot simply seek a CCJ if the agreement is not properly executed

 

PT, or anyone else, can you help on this as I can't find HFO v Patel and would like an opinion on when this card is played (i.e. in defence or skeleton argument) as claimant has not pleaded for an order under s.65.

 

R

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Hi all

 

Question on Consumer Credit(Cancellation Notices and Copies of Documents) Regulations 1983. If a creditor is making a claim can they rely upon copies regs when providing a copy as evidence supporting their claim?

 

My view on this is copies regs is no good as they are bringing a claim and must comply with normal law on evidence as copies regs states that it relates to copies "under any provision of the Act". A Claimant(creditor) is having to provide evidence (executed agreement) to support their claim and this is not providing a copy "under any provision of the Act".

 

Am I heading in right direction with this?

R

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Hi flaminscoty

 

As advised by straftat, you need to start your own thread. This will keep any advice in one place. Place a link here and I'll help where I can (Maybe site team can transfer your post to save you typing all again). I fully sympathis with you as your story seems similar to mine. In the meantime, to try to put your mind at ease a little, many on the forum have had charging orders against them, me included. Its not the end of the world and doesn't mean it leads to repossession.

R

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Bump for my earlier post below. Any views

R

Hi all

 

Question on Consumer Credit(Cancellation Notices and Copies of Documents) Regulations 1983. If a creditor is making a claim can they rely upon copies regs when providing a copy as evidence supporting their claim?

 

My view on this is copies regs is no good as they are bringing a claim and must comply with normal law on evidence as copies regs states that it relates to copies "under any provision of the Act". A Claimant(creditor) is having to provide evidence (executed agreement) to support their claim and this is not providing a copy "under any provision of the Act".

 

Am I heading in right direction with this?

R

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flaminscoty has his own thread now, it can be found in the following link.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/259660-flaminscoty-link.html

 

 

Robin,

 

have you hit the SOS button in respect of your question ? Alternatively, try pming BRW, vjohn82 or shakespeare62. They may be able to help:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanx CB

 

As suggested have hit the red triangle re question below

 

Originally Posted by RobinWayRobinme viewpost.gif

Hi all

 

Question on Consumer Credit(Cancellation Notices and Copies of Documents) Regulations 1983. If a creditor is making a claim can they rely upon copies regs when providing a copy as evidence supporting their claim?

 

My view on this is copies regs is no good as they are bringing a claim and must comply with normal law on evidence as copies regs states that it relates to copies "under any provision of the Act". A Claimant(creditor) is having to provide evidence (executed agreement) to support their claim and this is not providing a copy "under any provision of the Act".

 

Am I heading in right direction with this?

R

flaminscoty has his own thread now, it can be found in the following link.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/259660-flaminscoty-link.html

 

 

Robin,

 

have you hit the SOS button in respect of your question ? Alternatively, try pming BRW, vjohn82 or shakespeare62. They may be able to help:)

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Thanx for looking in PT.

 

Question is related to Copies Docs Regs. Am I right that a creditor bringing a claim cannot just quote these regs to allow a reconstituted agreement as evidence without them complying with the CPR and law on hearsaY evidence as the copies docs regs do not provide that they can be used alone as evidence when a crditor brings a claim.

 

Hope this makes sense

R

 

Sorry, what is the question you want answering?
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well, what have they disclosed in their disclosure by list?

 

If they have put the original agreement in there, then they must have it and must produce at trial

 

They can reconstruct, but will need witness evidence etc to show the agreement is a accurate copy

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