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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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Me and my debts - questions


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Hi,

I have several debts with 8 creditors and currently pay through cccs. The constant harassment is driving me crazy, and I have sent many letter templates from CAG to various creditors. Admittedly this has reduced some of the letters and calls but I wondered if making them an offer of say 10% of each outstanding balaance could give a legal advantage to those creditors who do not have an enforceable agreement.By this I mean if you make an offer of payment does this imply you owe the debt which they could use in a court of law

I know that I dont have to pay but my parents have agreed to lend me up to 10% of the total I owe providing all debts are written off.

Any suggestions anyone

Thanks

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How much each creditor will accept would really depend on how strong a case they thought they migh have for full collection eg. if there is no CCA & it seems to the OC/DCA that it is unlikely one will be found you would stand more chance of having your offer accepted than if there was an agreement in b&w there.

 

However if there is no agreement, you could argue that they are entitled to nothing & why should you pay them anything at all. Of course, you would have to defend that stance in court if the OC/DCA decided to commence legal action.

 

DCAs do purchase the debts for between 10% & 20% of the o/s balance but how much they would settle for is a guess. If you are thinking of making offers there is a useful template here:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

Letter J

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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If a full and final offer is accepted, what effect does this have on ones credit file?

 

It should be marked as 'satisfied'.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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It should be marked as 'satisfied'.

 

thanks. would this then have an adverse effect re credit rating?

Also, a bit off topic, but what effect does going on a 'repayment plan' re a cr cd have re credit rating etc?

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Hi,

 

I've got a couple of 'satisfied' debts on my file, but defaults are still showing, so I don't think a 'satisfied' holds much clout :(

 

Sorry, I'm not sure about your other question.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Hi,

All the accounts to which I may send the letter(below) are in dispute, the dispute letter was supplied by the excellent cerbusalert.

My question is that even though I have stated that I do not acknowledge the debt previously would sending this letter cause me any problems??

 

 

WITHOUT PREJUDICE

 

RE ACCOUNT:

Dear Sir/Madam,

I am writing to all my creditors this final time and urge you to seriously consider the contents of this letter and to respond accordingly.

You will be in one of the following categories of which you yourselves will be aware:

· Your account is in dispute because you have no CCA and therefore your debt is unenforceable at law

· Your account is in dispute because you have a CCA but it was not properly executed and therefore unenforceable at law

 

We do not acknowledge the debts therefore you will not receive any further payments nor am I obliged to offer you any. Due to my circumstances I am considering all options available to me and am now being advised by a family friend whose expertise is consumer law. Although we have not yet begun it is my intention to go through all the accounts with a view to obtaining the following which may or may not be applicable to your particular account:

· Application for unfair charges reimbursement with interest @ 8%

· Application for missold PPI reimbursement

· Removal of defective default notices

· Order for discontinuation of data processing due to termination of contract

· Order for discontinuation of automatic data processing

However my parents have made available to me an amount of money that will equal approximately 20% of my outstanding debt. We therefore are contacting all the creditors who have acted reasonably to offer them roughly 20% of the debt as full and final settlement. The terms of which are that upon acceptance you will write to me saying so and that debt will be marked as satisfied in full. I will also require you to forward a bank giro credit if possible so my parents can pay the agreed sum at a bank of their choice.

If any creditor opts out of this offer then the equivalent amount will be redistributed to those who indicate they wish to accept. Please be aware that I will be unable to make this offer at any time in the future or to repeat it or after a certain period of time when no offer of any sort will be available therefore I seriously urge you to fully consider this proposal.

 

I look forward to your response

 

Regards

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  • 1 month later...

I'll try and bump your thread for you because I am in a very similar situation with about 5 of my 8 cards. They all refused or haven't renewed a hardship plea of £20 p.m. each from September 2008! I am also exhausted with it all.

 

However, I would not offer them more than 10% each. Maybe quote a figure which more accurately reflects a percentage of your true balance, ie, with all their ridiculous charges and interest rates deducted first.;)

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Hi AA99,

Would you accept if they agreed to 10% but wanted to place the balance as defaulted on you credit file(with an indicator that they have agreed to accept a smaller figure on the account as settlement)?

 

I really don't give 2 hoots about my credit file to be honest. I don't want a job, mortgage or credit card:D I am more than happy as an honest Cagger to be accountable for my debts and what I have spent, but not to be ripped off with absolute nonsense charges, interest rates, and harassing behaviour:evil: I would settle for 10% on the condition that I win a couple of my cases at least:cool:

 

For example, I have Littlewoods trying to charge me £680 for 4 xbox games I bought last year:D:D:D

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I would appreciate any comments or thoughts about the following..

If you were offered a reduced settlement figure from a creditor but they informed you that it would be marked on your credit file as partial settlement only and placed as a default on your credit file would you accept if they had

1) an unenforceable agreement

2) an enforceable agreement

Other than having to serve 6 years of not having access to credit is there any other drawbacks

Thanks

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if they have a valid cca then p'haps settle for partial, though i'd push for settled as that leaves the door open for the dca leeches later on.

 

if they have no CCA , then settled is a must. you call the shots on this one not them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok thanks for the comments,

Ida I understand what you are saying but my quandary is that they have CO's and my house is on the market so they do have the upperhand.

DX re the partial if that goes with a guarantee that they will not pursue the debt or any third party etc would that be sufficient?

Thanks

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I'd push for settled in full on my CR file. The F&F would have to be worth it as well don't settle for just a few pounds off.

If your selling up and there CO on the property then they'd get the money anyway.

 

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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Hi DG,

Got TBH it is not my intention to not pay but IMO when in times of trouble you have to take the route most favourable to you. We have seen many times the enjoyment of the prosecution team when in combat with the LIP who has paid in misery from not joining CAG

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One advantage of being skint in the current clime:eek: Yup, all we have left is blood, sweat or tears:cool:

 

I am in a situation where my house sale is about to go through, am going to try and settle a lot fo debt I owe a Scottish collections company about £20K asked them what they would accept first figure £16.7K I said I would have may be £9K and they said immediately "we can drop to £15.5K". They then said phone when you have the cash basically. Any one any stories to relate as to where these companies are settling.

 

Bigger picture we will be moving into rented, so the chance they have off securing the debt will go and I am paying £50 a month so not really making any inroads.

 

Also have a debt with Lloyds of 17K will offer them £7K on the basis they are unsecured and Lloyds are skint and must need every penny.

 

Any thoughts/insight/prvious experience would be useful

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Hi Joe,

It makes a difference on where they will settle if or not they have an enforceable agreement. Personally I would start at 10% and work up from there, never ever start where you want to end up as they will always want more.

Obviuosly if they hold an unenforceable agreement then some would say why pay anything at all but for me a reduced F&F brings conclusion to the affair as long as you secure the F&F in an appropriate fashion

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