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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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cca request what happens now? blair oliver scott


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sent the cca request off on 4th november(To Blair Oliver Scott) and today got through the post a letter from Halifax Card Services dated 17th november saying

 

Thank You for your statuatory request for information with respect to the above agreement

Enclosed is a Copy Of The Reconstituted Version of the excecuted agreement and a copy of the current terms and conditions

as you had not made the required payment you were served with a default notice your agreement was ended on 02/10/09 and the full balance became due

 

as such at the date of this letter the full balance of your account is £*** *** is in arrears and due for payment

 

as the agreement has ended there is no credit limit in place and no intrest is being charged on the debt owing

 

PLEASE NOTE THAT THE INFORMATION WE HAVE PROVIDED YOU IS ALL THE INFORMATION WE ARE REQUIRED TO PROVIDE YOU WITH UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.PLEASE ALSO NOTE THAT WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.

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

does this sound about right for what follows after a cca request?

and whats my best move next any advice would be appreciated

and do they have to send the original signed document or is this correct that they DONT have to send a copy of the original

 

im confused and dont know what to do now

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sent the cca request off on 4th november(To Blair Oliver Scott) and today got through the post a letter from Halifax Card Services dated 17th november saying

 

Thank You for your statuatory request for information with respect to the above agreement

Enclosed is a Copy Of The Reconstituted Version of the excecuted agreement and a copy of the current terms and conditions

as you had not made the required payment you were served with a default notice your agreement was ended on 02/10/09 and the full balance became due

 

as such at the date of this letter the full balance of your account is £*** *** is in arrears and due for payment

 

as the agreement has ended there is no credit limit in place and no intrest is being charged on the debt owing

 

PLEASE NOTE THAT THE INFORMATION WE HAVE PROVIDED YOU IS ALL THE INFORMATION WE ARE REQUIRED TO PROVIDE YOU WITH UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.PLEASE ALSO NOTE THAT WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.

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

does this sound about right for what follows after a cca request?

and whats my best move next any advice would be appreciated

and do they have to send the original signed document or is this correct that they DONT have to send a copy of the original

 

im confused and dont know what to do now

 

Can you scan what they have sent you and post a copy here? Don't forget to remove personal details, barcodes etc. The words 'reconstituted' make it sound like they don't have a copy of the original - let alone something with your signature on. It will be interesting to see.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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im sorry i dont have any way to scan the documents and upload them :(

the 1st page after what iv allready typed out is a credit card agreement regulated by the consumer credit act 1974 and sets out the parties involved/key financial information

then its got Other financial information and after a further 5 pages of the terms and conditions its got ANOTHER page saying Credit Card Agreement Regulated By The Consumer Credit Act

that page starts off with

1.Parties..the parties to this agreement are Bank Of Scotland plc. The Mound,Edinburgh,Eh1 1YZ and miss (the gf`s name)

2.Key Financial Information

Basically the same copied papers as on the 1st page that states Key Financial Information :confused:

basically 8pages copied front and back of the same terms and conditions and NOTHING with a signature on from the Gf

i was under the impression that the cca request was for a Signed Original copy of the agreement?

not a reconstituted quickly copy+pasted copy of the same terms and conditions Twice

but as they say in there letter

"PLEASE NOTE WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT"

sorry couldnt upload them just dont know what to do next about this scenario with the halifax joke of scotland

Edited by MakeToastNotWar
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Hi MakeToast. It's very important that people can see what they are dealing with here. Is there anyone who could scan them for you? Most offices have copier/scanners nowadays and anyone with a printer/scanner/copier could also do it?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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iv uploaded them onto a photobucket account and hopefully they will have the clarity so that others can view and comment on what they have sent me as i have no clue about this matter

this is the link for the pictures Pictures by Deleted_album - Photobucket

 

any advice on this matter would be appreciated

 

thanks in advance

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It's reconstituted alright, like Bernard Matthews turkey meat. What a a pile of junk. I take it there was nothing with your signature on it?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Reconstitued implies that they do not have the original. How old is this account?

 

I'm thinking a letter along the lines of 'unless you confirm that you have the original document and are prepared to supply a copy I consider it reasonable to assume otherwise so bog off'

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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It's reconstituted alright, like Bernard Matthews turkey meat. What a a pile of junk. I take it there was nothing with your signature on it?

 

Fred

 

correct after the loads of pages of garbage they sent thru after a cca request from my gf they provided NO document with a signature at all

dont know what to do next to be honest with you this stuff makes my head spin

Edited by MakeToastNotWar
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Reconstitued implies that they do not have the original. How old is this account?

 

I'm thinking a letter along the lines of 'unless you confirm that you have the original document and are prepared to supply a copy I consider it reasonable to assume otherwise so bog off'

 

 

the account in question is 3 years old

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correct after the loads of pages of garbage they sent thru after a cca request from my gf they provided NO document with a signature at all

dont know what to do next to be honest with you this stuff makes my head spin

 

There is an account in dispute letter, I will try and find it for you. Quite clearly this is in dispute. They could have produced absolutely anything and then stated "this person owes us 2 million quid your honour, we've lost the document that allows us to prove it, but here's what it would have looked like if we had it". They haven't got a leg to stand on.

 

What I would do, out of pure mischief, is write to them stating that you don't recognise this document and would they kindly highlight the bit with your signature on it.

 

One thing's for certain, you can relax. There's no need for this to make your head spin. No agreement, no signature, no payment. Simple.

 

Regards.

 

Fred

Edited by Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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The bottom line is that Blair and Co (or HBOS for that matter) are unlikely to reply to anything you send, and even if they do, it will be another load of drivel.

 

Technically, they are correct in that they have supplied what they are obliged to under the CCA. It doesn't tell you what you want to know, but that's beside the point.

 

My inclination would be to write a letter

'it seems reasonable to assume that if the bank still had the original agreement, they would have produced a copy of that rather than reconstitute it, and I am therefore proceeding on the basis that the agreement no longer exists. As such the bank will be aware that under s127 of CCA 1974 even a court cannot enforce the agreement and I am therefore not prepared to make any further payment to the account nor enter into any further correspondence.'

 

It probably won't make them go away, but if they did have the original it should prompt them to send it so at least you would know where you stand.

 

I wrote something similar on one of my accounts and I haven't heard from them since and it's disappeared off the CRA files (but that might be just a coincidence!).

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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just recieved another letter from the Halifax this time concerning the gf`s Bank Account overdraft

id appreciate any help or advise as to what to do now

i will attach the letter they have sent this morning and do you thik they have sent this letter cos we cca`d the other account?

 

another letter from halifax picture by Deleted_album - Photobucket

 

oh yeah this account is the 1 that they helped themselfs to the gfs job seekers allowance and housing benefit cos the account was overdrawn

Edited by MakeToastNotWar
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This is typical of the bullying attitude of the Halifax. I would send the 'Account in dispute letter' to them and then complain to all and sundry. With what they've produced so far, they can't touch you, so I wouldn't worry too much.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Again, technically anything registered with the CRAs is accurate. Even if they don't have the agreement and can't enforce in court the debt does still exist - they just can't make you pay it. Unless out of the goodness of their hearts the creditor agrees for some reason to stop reporting a default (and we know how likely that is!) then you either have to live with it or you have to be prepared to really challenge in court (on grounds of no agreement, so no authority to process data, but I bet the application includes your authority?) or you have to try to come to some 'mutually beneficial' arrangement.

For the court thing, they are unlikely to back down so you would have to be prepared to take it all the way, knowing that there's a chance you would still lose, since written consent is only one of the reasons they can process your data.

A mutually beneficial arrangement is going to involve you paying them something.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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