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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi everyone i took out a £10,000 loan with Universal in 1996.Paragon then took this over and i agreed reduced payments with them.I have had no contact from them for the last 8 years.last week they sent me a balance

stating that my Balance was over£25,000 dispite me paying them in the region of £22,000 since 1996.Would applying for my CCA be the best way forward.:confused:

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Hi Took out £10,000 loan with Universal in 1996,Pargon took over 1998 agreed reduced payments.Had no contact with then over the last 8 years then last week recived a balance from them of£25,000 dispite paying then over £22,000 over the last 13 years.Would applying for my CCA the best way forward.Thanks.:confused:

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Are you saying that you have not paid anything for the last 8 years or just paid reduced amounts for that period.

 

I would go straight for a SAR and the reclaim all the charges they have stung you for (on the asumption it isn't statute barred)

 

fox

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as posted on your other thread

 

Are you saying that you have not paid anything for the last 8 years or just paid reduced amounts for that period.

 

I would go straight for a Subject Access Request and the reclaim all the charges they have stung you for (on the asumption it isn't statute barred)

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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A CCA request might bring you a copy of the agreement which may or may not be valid. If it's invalid you can legally stop paying until they supply a valid one. I don't recommend this route.

 

A SAR will bring back everything (hopefully) they have.

 

I suspect they didn't reduce or freeze the interest on the loan and quite possibly lots of charges on it.

 

Did you not receive any statements in this period?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Two threads merged.

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

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Then I would definitely send a SAR:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Send with a £10 postal order.

Send Recorded Delivery and track it via the Royal Mail website

They have 40 days from receipt to respond.

 

Normally I wouldn't recommend signing the SAR but loads of these companies are now sending letters saying they won't comply until you sign so either use a digital sig or sign in your usual way but adapt it a little to make it positively identifiable and make a copy of your different signature.

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:confused:Hi everyone.Recevied SAR today from Paragon today.They have sent me copy of my CCA and loads of paperwork containing all my transaction since 1996.Unable to upload CCA has have no scanner at the moment but the maim parts are laid out as follows

 

Amount of Loan £10,000,00

Monthly Repayment £198.92

Current Rate of Interest 20.85% per annum

Annual Percentage Rate(APR) 22.90%

Estimated Number of Repayments 120

 

OPTIONAL PAYMENT PROTECTION

Monthly Repayment £35.81

Total Monthly Repayment £234.73

 

After reading about CCA am i right in thinking that there should have been

 

(1) Total amont payable including total amount of intrest

(2) The APR should be no more than 1% more than the current rate per annum, in this case it is 2.05%

(3)NO RIGHT TO CANCEL is not written in the Terms and Conditions

 

Hope to get some feedback

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Got your PM.

 

Regarding T's&C's I'm afraid I'm not experienced enough to advise although I do think there should be a total amount payable.

 

Just a thought. Was this a variable interest loan? If that is the case they can't put a total amount as they wouldn't know the interest rates for the future. If it was a fixed rate loan, they would know the total amount.

 

Without a scan of the agreement, nobody can advise. Do you have a digital camera? If yes or you can get hold of one, let me know and I'll post a copy of a how to which will help post your pics.

 

While you sort that out, go through the statements and work out what charges are there, add interest and prepare a claim for a refund.

 

On your agreement, did you apply for PPI? Did they add it without your knowledge? At the time of agreement, were you self employed?

 

Best I can do I'm afraid.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Right,

Try and light the pages so there is no glare and photograph from as directly above as possible then follow this how to I stole :)

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

------------------------------

 

If you get stuck, try saving as a pdf file and upload instead

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Been having a look around and found this:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html#post1894837

 

Looking at your agreement, something doesn't look right. (apart from the right to cancel) I'm not experienced enough to spot it but this post will give it a bump anyway.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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