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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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Can someone help me please? Ge money problems


missydebt
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Hi,

 

I have just found out today that Howard Cohen &co solictors acting on behalf of GE money have issued a CCj against me in March of last year. I am absolutley furious as CCCS have been paying them since October 2007 as part of my DMP. I called the above solictors today to ask what was going on and i was told that they sent letters out to my old address before realising earlier this year that it was the wrong address. I asked why then they didn't contact me to advise of the situation? The response was well you are paying it now through CCCS so it's ok.:-x

 

I am now mad at myself though because i asked him for all the info relating to my case and he said that i have to send it in in writing along with the fee of £10. I asked if this would include my credit agreement and he said no but not to worry as he would ask for that now over the phone free of charge.

 

I am now confused:confused:

I have sent in a letter recorded delivery today asking for my cca. I have put in the letter that as it was agreed over the phone i have given them, 12+2 days to respond from today and have just sent the letter as a back up. i'm not even sure if i can do this? Probably not I know but I'm just hoping that they drag their feet. In any case i'm quite sure that it will be flawed as it is from around 2002/3.

 

Sorry to ramble on but if anyone with more experience can help me clear up this mess i would be more than grateful.

 

Thanks

 

Mish x

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Hello Mish.

You may be able to apply to have the CCJ set aside as you were not aware of the action.

Have a search around some of the threads and also you should get some further assistance from other CAG members.

 

Regards

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Thankyou,

 

I did mention that to the guy on the phone today and he said that it was definately not possible until the entire balance was paid off. S o i decided to tackle them first re bank charges of which i am sure there were many and also look to get it written off if possible. After that i will most certainly be looking to get it set aside.

 

thanks once again

 

Mish x

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I would check at what address the ccj was issued to before you do anything, if it was issued to the previous address you can have it set aside due to non-service of the claim and and the ccj will be set aside.

 

Having served a cca request on them, give them the 12 + 2 days to respond and if non-response, serve the failure to respond letter to them.

 

This will put the account clearly into dispute and if they try to issue a claim against you, you can use their non compliance as a basis of a claim.

 

If they do turn around and produce a cca, check to ensure that it is valid, as in my case it isn't even worth the paper it is written on.

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Hi guys

 

The letter was recieved by them on 28/08/09. Should i strat my 12+2 from this date or the date that i spoke to them on the phone? I am annoyed with myself for giving them an extra 2 days to start the ball rolling.

Thanks also bigpeter. How can i get it set aside? I'm sorry i'm new to all this and still trying to find my way.

 

thanks

 

mish x

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Hi Missy,

The 12+2 is 12 days to comply + 2 for postage, so if they received it on the 28th then its 12 days from there.

There are several threads on here, if you do an advanced search for set aside you should be able to have a read and start finding some info out.

 

Regards

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Definately look at the set asides on the forum. It will give you a great insight in how to begin. As above check what address the CCJ was issued to.

 

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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This definitely warrants a complaint to the SRA.

 

Solicitors Regulation Authority - Protecting consumers of legal services

 

However, you normally have to raise the complaint first with the solictor in question.

 

I would send a recorded delivery letter headed "COMPLAINT" to Howard Cohen detailing the telephone call that you had with them and tell them you consider their actions to be grossly negligent.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 3 weeks later...

Hi i have recieved a copy today of my signed credit agreement. 7 days late. I had forgotten about it to be honest so forgot to send a letter re lateness. is there anything i can do now? Also I am unsure as to what i should be looking for on my agtreement to make it unenforceable? can someone talk me through it please?

 

Cheers

 

Mish x

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Hi I'm not sure how?

 

x

 

Have a read of this....

 

The Consumer Forums - FAQ: Reading and Posting Messages

 

You can host your images for free at somewhere like Photobucket.

 

Best of luck!! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Appears to be ok, but someone with more knowledge will comment for sure.

Quick question were HC acting for GE or a different company?

Do you have any details regarding the claim and who issued it?

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Hi thanks,

 

i'm not sure who issued the ccj. The only info I have says that the creditor is Cl Finance ltd but i have had no correspondence at all from them. I am thinking that if the contract stands ok then my next option is to try to get any charges back? I am not sure how to go about it though i am still finding my way through this so any help will be greatly appreciated.

 

thanks again

 

Mish x

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If the account has not been properly assigned from GE to CL then they have no legal right to sue and therefore you should try to get the CCJ set aside. You should also be able to get it set aside if you were not aware of the court action because they sent the claim to the wrong address.

Also you should look to get any charges back as well.

A subject access request to them should provide the information you require to start the process of gathering the information you require.

 

Just curious?

What letter did you send for the copy of the agreement and what fee did you pay?

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Hi Ghost Debt,

 

Thanks for all your help. Here is a copy of the letter I sent to CL finance. I paid them £1.00 for the info which they sent late. I have sent my SAR today so hopefully i will get that back soon and be able to work out my charges which should hopefully be enough to wipe the balance anyway.

Just wondering though if you know whether or not I can get the ccj related charges removed?

 

 

 

Dear Sir/Madam

 

Re:- Account/Reference Number

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

Please also note that the required time limit of 12+2 days should start from today 26th August 2009 Following my telephone conversation with your offices whereby you have said that you will provide an original copy of credit agreement.

 

I look forward to hearing from you.

 

Yours faithfully

 

 

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