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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
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Fzrkitten sort of VS HFC Bank


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Hi Scooby_Doo2,

 

I took the first agreement out on 15.8.98. This was for the amount on the statement. I haven't had SAR stuff yet as they wanted copies of driving licence etc, and I'd seen not to send these, so I haven't done anything yet.

 

I have the original agreement for this loan. I also have the court judgement, but not at hand right at this second, and a solicitors letter after judgement asking for a higher amount written in August 2005. I think this is at least 2 or 3 years after the judgement, and I am still paying £50 a month from my wages now.

 

I don't recall whether I upped the original loan, or if they have just done me over royally. It did have ppi added.

 

I have had no contact from the solicitors since 2005, but this is still an attachment of earnings on my wages. I wondered if I can challenge this, and who with?

 

Many thanks,

Fzrkitten.

Fzrkitten

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what was the judgement total? and did it mention interest?

seems like they have been leeching off you for far too long.

 

and i hope you didn't agree to a higher payment!

 

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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Hi,

 

I've never paid more, I didn't answer the solicitors and they didn't write again, but it's still now £50 a month out of my wages, and isn't set to stop for a long time still. I've got an email at work with more detail, I'm not even sure I know how much judgement was for, can I find that out still from the court?

 

Fzrkitten.

x

Fzrkitten

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yep all you have to do is phone the court.

 

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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Hi Dx,

 

I've just found the original attachment of earnings judgement. It's a lot. It was back in 2003 and I've been paying £50 a month since then, and I'd still say it would take another 6/7/8 years to pay it off. I don't know how much my original loan ended up being for, that's the problem. I'm sure it was nowhere near this amount, and they also had ppi insurance on it.

 

Any idea where to go from here? I haven't got the SAR details yet, HFC wanted a copy of my driving licence etc as ID, I understand I shouldn't do that?

 

Can I go direct to the court, or am I risking ending up paying more do you think?

 

Fzrkitten.

Fzrkitten

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no not yet.......

 

so the ATEO was £50pcm, what was the judgement figure [total] and was interest mentioned or anything else on the judgement regarding the total to pay.

 

i'd sum up your payments and lets see where you are now [totalwise].

also, you must still be paying the named creditor?

 

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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Hi, I only have the ATEO, total is 11604.09 :shock:

 

It mentions nothing about interest, and the claimant is HFC Bank PLC.

 

So I take it I'm still paying the original people.

 

Fzrk...

Fzrkitten

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ok i make that roughly 5250 you have paid to date?

 

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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Plus I guess what I'd been paying off of the loan before judgement anyway? Not that it had come down much. You can see from the statement I posted how much interest was added every month.

Fzrkitten

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right well i think you next step is to try and prise the SAR info out of HFC

 

as for this signature thing.

 

if you see pete 2002_2004's thread

you will see the judge has ordered HFC to comply with his CCA/SAR requests, having refused several times not to comply because of the signature rubbish.

 

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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  • 5 months later...

Hi Dx,

 

Sorry it's been a few months, I was awaiting the SAR request stuff, which I have actually got, and trying to get my head round losing mum, so I'm back now, and hopefully uploading the info you wanted, sorry it's taken so long.

 

I've found the SAR stuff very interesting, it looks like I actually had judgement made for over 4 grand more than I actually owed, thanks to nice solicitors and stuff on their behalf! The PPI was cancelled at some stage and I think I am well outside the 5 years for claiming it, but I don't see why I should still be paying this off, or at least as much of it, if they added that much on. Especially with all their charges etc. So I will look through the paperwork properly, having said that I know not what I am doing, so could use some help if anyone thinks I can challenge the original judgement. (I have the Attachment of earnings judgement, and all the SAR stuff now).

 

http://i873.photobucket.com/albums/ab293/fzrkitten/Bank%20Stuff/scan0001-1.jpg

 

http://i873.photobucket.com/albums/ab293/fzrkitten/backpage.jpg

 

I'm hoping these links take you to the files, these were the original loan files back in 1999, I then obviously upped my loan, but now have all the paperwork and to me it doesn't add up.

 

Best Regards,

 

Fzrkitten

Fzrkitten

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Hi,

 

The ATEO has no interest details on it at all, I do not have any other paperwork from the court.

I have got all SAR info from HFC.

Can anyone advise if I should challenge the original judgement, it seems the debt was handed over at £4000 less than judgement was made against me, and I have been paying for 7 years. Surely I should be let off now for good behaviour?! lol.

Fzrkitten

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