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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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Urgent Help Required


SCC
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URGENT HELP

Looking for some help with regards a John Lewis credit card.

History is as follows:

1/4/09 - sent John Lewis CCA request

8or 9/4/09 - received a Default Notice dated 7/4/09

16/4/09 - responded to Default Notice advising account in dispute - CCA request.

20/4/09 - send second letter advising account in dispute due to CCA request not being fulfilled.

24.04.09 - received letter (dated 21.04.09) from John Lewis from Central Complaints Department re my letter of 16th April 2009.

23.04.09 - received CCA documents.

05.05.09 - Sent letter advising not all CCA requirements met - documents pre-contractual application form etc

13.05.09 - received letter advising John Lewis has met their obligations. Letter also advised that my request for charges and interest would be provided by relevant department - still outstanding.

No further correspondence received.

John Lewis have now obtained a CCJ without us receiving any notification - no LBA.

John Lewis are now applying for a charging order on our property.

Account balance on 21/4/09 - £8128.35

Judgement amount 29/7/09 - £10331.22

WHAT DO WE DO NOW?????

Copy of application form attached.

scan0004.pdf

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Hi there,

 

Probably the way to go now is to apply for the judgement to be set aside.

 

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court

 

Initial information is in the above link.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Hi SCC,

 

Well the first part of your defence is that there doesn't appear to be an enforceable agreement... as you say the posted document is just an application form...

 

As to the rest... you will have to post up the default notices, termination notices etc to see if they're valid and also the POC if you have it.

 

If you don't have a POC, which is unlikely if you didn't receive the claim form... then contact the court which issued the CCJ and ask if they can send you a copy....

 

Once we have that then we can pick each part of the claim apart and sort out the rest of the defence..

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Yes sorry,

 

A Particulars of Claim.. It's the document that states who the claimant is and what they are claiming.

 

If the Judgement is from the Northampton County Court Bulk centre then they will probably send it to you free of charge within a couple of days.

 

Just ring them and give them the claim number... they're very helpful.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Spam

 

Thanks. Sorry to be so slow on the up take but new to this process.

 

I will have to get my husband to call the court tomorrow as the claim was made against him and I'm guessing that they will say 'data protection' if I call.

I have a copy of the Judgement notification and the charging order if that helps.

SCC

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Spam

 

Thanks. Sorry to be so slow on the up take but new to this process. Don't worry... you should see my first thread when it started... :eek::oops:

 

I will have to get my husband to call the court tomorrow as the claim was made against him and I'm guessing that they will say 'data protection' if I call.

I have a copy of the Judgement notification and the charging order if that helps.

SCC

 

The Particulars of Claim is the really important document here as you need to know EXACTLY what they are claiming, Who is making the claim and why..

 

Once you have got that we can steam ahead.. if you can post up the default notice and termination notice if you have one we can also see if they're valid.

 

Do you happen to know if there were any unlawful charges on the account? Late payment charges etc..

 

Spam. :)

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Default notice attached.

 

No termination notice received.

 

I will have to go through the statements to find out. I do see that they are charging £12.00 which I think is for reversed direct debit payment. They are also charging a lot of interest.

 

Thanks again

SCC

scan0008.pdf

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Hi,

 

The default notice seems to scrape in within the 14 days for remedy timeframe by the skin of it's teeth but as there are 2 bank holidays in the middle of the dates they would need to prove that you got it by or on 11th April (SAT) or the next day for post would be Tues 14th.

 

You say that you contacted them regarding the default... do you have a date for the letter you wrote to them? Because if you wrote before 14th you may have trouble defending that point..:(

 

BUT, if there are any unlawful charges on the account it would render the notice invalid due to incorrect figures..

 

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Our response to the default notice was dated the 16th April 2009.

 

It seems that the £12.00 is a late payment admin charge.

Will look at the statements that I can find for unlawful charges.

 

Thanks

SCC

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Our response to the default notice was dated the 16th April 2009.

 

Thats good, you would have to put them to strict proof as to when and how the notice was served to ensure you had the full 14 days to comply or the notice could be rendered invalid...:)

 

Have you done a Subject Access Request to get all the data they hold on you?.. or should I say your husband...

 

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  • 2 weeks later...

Attached please find POC.

I have had a look through the accounts and the additional charges seem to have been since we stopped paying the account. Not exactly sure how much they are though.

Please advise what we should put in our defence.

Will put together a SAR and post tomorrow.

 

Any help most appreciated.

 

Thanks

SCC

Edited by SCC
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Hi there,

 

The POC you have posted is really extremely vague and you should be able to submit a decent 'embarrased' defence due to lack of information.

 

For heavens sake it says... a contract on or about... Loan? Credit Card? Ticket to the moon?? ;)

 

First things first, we need to find out more with regards to how the judgement came about..

 

You say you did not receive a Letter before action...

 

Did you receive a claim form or was the whole thing rushed through the court without your knowledge?

 

Spam. :)

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They say money talks......mine just keeps saying "Goodbye"

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The whole thing was rushed through the court without our knowledge. We were waiting for John Lewis to send us advise that they were taking us to court but heard nothing until the judgement arrived.

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Ok,

 

With that information the judgement should be reasonably simple to set aside.

 

You can download the forms from the HMCS website..

Her Majesty's Courts Service -Forms and Guidance

 

You can fill them in on line but they can't be saved so you need to print it immediately.

 

Failing that you can just print the blank form off and fill it in manually.

 

There is guidance on the debtline link above about how to fill the form in and exemption from fees etc.

 

The fee for a set aside at the moment is £75.

 

If you need help filling it in let me know..

 

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They say money talks......mine just keeps saying "Goodbye"

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Ok,

 

You are applying for a set aside under CPR 13.3. Because you did not receive a claim form and you were not given the opportunity to submit a defence.

 

http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part13.htm

 

You believe you have a good chance of successfully defending the claim and would like the courts permission to do so.

 

I will try and help you with the 'defence side a bit later.

 

Spam.:)

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Hi Scc,

 

I was going to try and sort out your defence for your application but you seem to have removed your POC..

 

Could you post it up again so I can copy it out.

 

Thanks, Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Hi SCC,

 

This is a rough guide to your defence for the set aside application.. you may wish to alter bits but the POC is so vague there's not much to answer..

 

Hope it's ok... give me a shout if you need any more help.

 

Spam.:)

SCC set aside application.doc

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