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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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Greenwood/Provident Letter (advice)


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Hi all,

 

I took out a personal loan two years ago for my sister who had money problems at the time. Foolishly, it was in my name and she let me down. I moved address and left the loan as it was because I wasn't in a position to pay it off, nor did I feel it fair I should of paid it off for her.

 

I received a letter today from Greenwood Personal Finance, stating that they can help me with this 'fresh start' deal. The loan was initially with Provident, but I believe they are the same company.

 

I do not have a copy of the CCA, nor have I ever made contact with them in 2 years. Obviously, this debt is not statute barred, and I haven't contacted them re: this letter. Just wondering whether they will actually visit my current home in the next few days as stated on the letter? Or is this a case of them 'phishing' to confirm where I am? It's just that I am staying with friends and I wouldn't want this to come to their door.

 

Any advice as to what I shall do next would be appreciated.

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Did the "fresh start deal," letter mention your former loan with Provident? They may just be recruiting in the area. Also, Provi and Greenwoods are extortionate credit bargain people. They hate their chances in court.

If my post helped you feel better, click my scales.

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Hi,

 

The letter does refer to my previous loan with provident (it has some sort of reference number) and states I owe £495 but they can reduce this to £425 if I sign a new agreement with Greenwood under the fresh start initiative.

 

From reading up on these boards, it seems they are sending a number of these out (many to statute barred loans) and I also read they can't turn up without making an appointment with me first? I understand the initial agreement I signed may have given them authorisation for doorstep collection at my previous property, but surely this doesn't stretch to any future properties?

 

Not too sure how to handle this one though, I'm not one to 'run away' from my debts, however with this one, given the circumstances, I don't really want anything to do with these people...

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I can guarantee the CCA, if it still exists, will be drawn up correctly. I have signed enough of them. You are legally responsible for this loan if you signed for it, not your sister who you subsequently lent the money too and maybe you should contact her. It does seem a small amount and they would want in the region of £12.00 weekly to save your credit score and keep the financial world sweet for further loans and borrowing.

Visiting rights read,

"I may be interested in taking personal loans in the future and request that you send someone to my home from time to time to discuss details. I request that you do this whilst I have any outstanding balance and for five weeks thereafter. I understand that I may revoke my request at anytime. (see overleaf how to do this)."

 

Have you any other outstanding loans? Have you any savings at all?

Edited by overdone
add info

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ttypically they will try and make you sign a new agreement.

i would refrain from doing that as it will be 200% int on 200% int going by their usual tactics.

int they are DCA's as well as financiers, there is another goof thread on here that explains their Co. setup and the pitfalls.

 

also where did the letter go to, not your freinds ad i hope?

 

i wouldn't think its phishing, but i certainly would not go down the 'freash-start'!! route as with int it will be more than the outstanding even with the discount.

 

interesting scenario

 

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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nope to moorcroft

 

this is the thread i mentioned:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/225846-can-i-stop-door.html

 

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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if they are acting as a DCA then NO!

paying credit with credit is a BIG FOS/OFT NO NO

 

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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they want money by anymeans - leechers.

 

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...

As I've already said, it is 'interactive marketing', they have the customer in the palm of their hand and in their trade it means they can make a killing (not to mention damaging the health of the poor customer stuck in the middle).

 

Its a very insidious way of paying themselves back for buying a load of toxic debt which may not have been paid back by any other means.

 

Luckily now some of their customers are finding their way here we can help them break the cycle of borrowing to live a 'normal' life.

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