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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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Paydayloan Mess


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I you are talking about Wageday Advance I have just made an agreement to pay them back £30 a month and they have accepted and asked when would I be making the payment. Most payday loan compaines say that but I don't listen to them they will pass you on to a DCA who you will have to deal with just stick to your guns and let them know £20 is all you have and go to hell they have made enough money from us with the hgih interest. I also done the same with Poundstillpayday they passed me on to a DCA called Clarity who are quite understanding and have accepted a £10 payment per month for a £920 debt.

 

Don't worry about these clowns.

 

Mashmallow

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Hi Guys,

 

An update for you, I 've just got off the phone to Wageday and they've accepted a repayment plan of £25 per month with no fuss whatsoever.A lady called Liz Berry was very helpful setting this up for me.Thank God for this.So im still waiting for PDU and EPDL now....:confused:

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No probs, by the way I am on Channel 4, Despatches 7th Dec all about these payloan companies I myself have saved £200 per month just rolling them over, I have 4 PDL's. 2 of them I have arrangments with the other 2 I am waiting for the s--t to hit the fan. LOL

 

XX Mash

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Go for it!!! These companies are no better than loan sharks IMO, interest rates extortionate, perfect for vulnerable people who cannot get credit elsewhere and are desperate! I will be watching with great interest on the 7th!

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Hi Guys,

 

Another update for you, Pounds till Payday have called me (i didnt answer of course) and someone called Nonsy Jones left a voicemail saying if i dont conctact her today they will pass my account to a debt collection company which aparently can go door to door (thats what she said)

Should i believe this????:confused:

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Hi Guys,

 

Another update for you, Pounds till Payday have called me (i didnt answer of course) and someone called Nonsy Jones left a voicemail saying if i dont conctact her today they will pass my account to a debt collection company which aparently can go door to door (thats what she said)

Should i believe this????:confused:

 

Door to door? dont think it can as it is the same as a doorstep visit!

 

Maybe you will have better luck paying through a dca if that is your intention, you need to decide what and who will put the most pressure on you pdl or dca? then just sit tight and await their contact.

 

Cheers

 

Mr W

Regards..Mr Worried :)

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Sorry to intrude but PTP will pass you on to clarity who are very good I am paying them back £10 per month for a £930.00 debt just ignore the stupid threats from them and wait for Clarity. I did this by e-mail only no tel contact at all.

 

Have a good day.

 

Mashmallow

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Hi Guys,

 

just got an email from EPDL:

 

(We finally received your letter with reference to repayment, we can accept £ 50pm over 11 months which will clear the balance with no charges added.

Gerry

EPDL Collections

08456531365

This email has been scanned for all viruses by the MessageLabs SkyScan service.)

I replied saying as stated on my income and expenditure the maximum i can afford is £25.

So im now waiting to see what they say...

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Hi Guys,

 

just got an email from EPDL:

 

(We finally received your letter with reference to repayment, we can accept £ 50pm over 11 months which will clear the balance with no charges added.

Gerry

EPDL Collections

08456531365

This email has been scanned for all viruses by the MessageLabs SkyScan service.)

 

I replied saying as stated on my income and expenditure the maximum i can afford is £25.

 

So im now waiting to see what they say...

 

 

Good

 

Just stick to your letter and let them do the running, at least you know they will accept monthly payments, if they dont then let them take you to court and the judge would rule in your favour..imo.

 

Mr W

Regards..Mr Worried :)

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Hi Guys,

 

Im SOOOOOOOO ANGRY with EPDL, they have used some old cheques from my previous experience with them and tried to cash them on my lloyds account, i got home last night and received a letter from lloyds saying the cheques bounced( 5 cheques of £100) SO NOW IM going to incur a unpaid cheque fee of £20 each cheque and also because i asked LLoyds to put a stop on the cheques i also have to pay £10 fee for each cheque so that adds another £150 to my debt.IM SOOOOOO ANGRY with EPDL why did they do this????? The only thing that is going through my head at the moment is to email them and tell them BECAUSE OF THIS TROUBLE YOU HAVE PUT ME IN, IM NOT GOING TO MAKE ANY SINGLE PAYMENT TO YOURSELVES EVER AGAIN.

Please can you tell me what should i do now? I dont understand why they did this if they have contacted me with regards to setting up a payment plan, and they basically go behind my back with some old cheques (that they said they got rid of last year)??????

 

please helppppppppppppp

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Hi Guys,

 

Im SOOOOOOOO ANGRY with EPDL, they have used some old cheques from my previous experience with them and tried to cash them on my lloyds account, i got home last night and received a letter from lloyds saying the cheques bounced( 5 cheques of £100) SO NOW IM going to incur a unpaid cheque fee of £20 each cheque and also because i asked LLoyds to put a stop on the cheques i also have to pay £10 fee for each cheque so that adds another £150 to my debt.IM SOOOOOO ANGRY with EPDL why did they do this????? The only thing that is going through my head at the moment is to email them and tell them BECAUSE OF THIS TROUBLE YOU HAVE PUT ME IN, IM NOT GOING TO MAKE ANY SINGLE PAYMENT TO YOURSELVES EVER AGAIN.

Please can you tell me what should i do now? I dont understand why they did this if they have contacted me with regards to setting up a payment plan, and they basically go behind my back with some old cheques (that they said they got rid of last year)??????

 

please helppppppppppppp

 

Did you not close your account? dont call them as you will ' go mad ' as I have just don with BLS(TSB). stay calm and put a letter together and send it today .

 

Mr W

Regards..Mr Worried :)

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Morning Mr Worried,

 

I didnt know they kept my lloyds tsb cheques, i gave them last year and cleared the whole balance by card payment.They said they would get rid of them, but they didnt it.So i re loan again this year but on my A+L account and gave them some cheques again, which i assume they have tried to cash but i have close the account so because they still have the lloyds cheques i think they decided to have a go?

 

MR W what should i put on the letter??? atm i feel like just writing "im not paying anything take me to court if u want to...

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Morning Mr Worried,

 

I didnt know they kept my lloyds tsb cheques, i gave them last year and cleared the whole balance by card payment.They said they would get rid of them, but they didnt it.So i re loan again this year but on my A+L account and gave them some cheques again, which i assume they have tried to cash but i have close the account so because they still have the lloyds cheques i think they decided to have a go?

 

MR W what should i put on the letter??? atm i feel like just writing "im not paying anything take me to court if u want to...

 

WoW the b's

 

Ok put something like this you must adjust and re-hash about.

 

Dear collections/customer services/ accts?

 

I am writing to you for the 123456th time with regards to my acctxxxxxxxx

As you are aware I am experiencing financial difficulties and have on several occasions asked for your co-operation within this matter.

to which you have neither acknowledged or assisted with my request, because of this and if you do not agree to my 'request for help', I want you to take me to court to recover the monies owing to pdl/wdl??? where I can asked to be 'means tested' by the judge.

 

I would also like to make you aware that because of your lies and deciet I have incured a further £££££ in charges from my bank ( re cheques you have presented, when you advised me that you had destroyed them).

 

I insist that you make a payment to myself for the above amount ££££relating to charges I have incured.

 

I will not communicate with you by telephone, and insist that all correspondance to be in writing.

 

I look forward in recieving your reply.

 

XXXXXXXXXXXXXXXX

 

 

Something like that, got to go out now, speak later.

 

Mr W

Regards..Mr Worried :)

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MR W thanks for all your help, is the below ok to send recorded delivery today to the b@@tards:

 

I am writing to you for the third time with regards to my account. As you are aware I am experiencing financial difficulties and have on several occasions asked for your co-operation within this matter.

To which you have neither acknowledged nor assisted with my request, because of this and if you do not agree to my 'request for help', I want you to take me to court to recover the monies owing to EPDL where I can ask to be 'means tested' by the judge.

I would also like to make you aware that because of your lies and deceit I have incurred a further £150 in charges from my bank (re cheques you have presented on the 27th of November even after advising yourselves that I was not able to honour the interest payment, when you advised me that you had destroyed them last year when I cleared my previous balance of £500 by debit card payment on the 3rd of June 2008).

I insist that you make a payment to myself for the above amount £150 relating to charges I have incurred or deduct this amount from my outstanding balance and to accept my offer of £25 pm which is the only amount I can afford.

I will not communicate with you by telephone, and insist that all correspondence to be in writing.

I look forward in receiving your reply.

 

Yours sincerely,

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MR W thanks for all your help, is the below ok to send recorded delivery today to the b@@tards:

 

I am writing to you for the third time with regards to my account. As you are aware I am experiencing financial difficulties and have on several occasions asked for your co-operation within this matter.

To which you have neither acknowledged nor assisted with my request, because of this and if you do not agree to my 'request for help', I want you to take me to court to recover the monies owing to EPDL where I can ask to be 'means tested' by the judge.

 

I would also like to make you aware that because of your lies and deceit I have incurred a further £150 in charges from my bank (re cheques you have presented on the 27th of November even after advising yourselves that I was not able to honour the interest payment, when you advised me that you had destroyed them last year when I cleared my previous balance of £500 by debit card payment on the 3rd of June 2008).

 

I insist that you make a payment to myself for the above amount £150 relating to charges I have incurred or deduct this amount from my outstanding balance and to accept my offer of £25 pm which is the only amount I can afford.

 

I will not communicate with you by telephone, and insist that all correspondence to be in writing.

 

I look forward in receiving your reply.

 

Yours sincerely,

 

Hi

 

( re cheques......you need to close with your ) brackets somewhere? and that pargraph seems a litle confusing to me can you simplify it?

 

Mr W

Regards..Mr Worried :)

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MR W,

 

does this sound better:

 

I would also like to make you aware that because of your lies and deceit I have incurred a further £150 in charges from my bank regarding the bounced cheques you have presented on the 27th of November (NOTE you advised me that you had destroyed them last year when I cleared my previous balance of £500 by debit card payment on the 3rd of June 2008)

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MR W,

 

does this sound better:

 

I would also like to make you aware that because of your lies and deceit I have incurred a further £150 in charges from my bank regarding the bounced cheques you have presented on the 27th of November (NOTE you advised me that you had destroyed them last year when I cleared my previous balance of £500 by debit card payment on the 3rd of June 2008)

 

OK.....regarding the cheques you tried to encash from my bank account numberxxxxxx, after you had previously advised me that you had destroyed them when...etc..... close brackets on 2008.

 

Cool

Regards..Mr Worried :)

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  • 2 weeks later...

Hi All,

 

hope u're all ok,

 

just to give you some updates, so far EPDL, Wageday and Payday Express have agreed on repayment plans, still waiting for PDUK and PTP.

PDUK and PTP have said that they would pass this to a DCA (last week) so far no phone calls or emails about it.

 

Ill wait... no rush :rolleyes:

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I'd get all the proof that you paid back the loan to them and the copies of the cheques they tried to present and take it to the police station and report the matter as fraud, that is what it is, pure and simple.

 

As the local police to put you in touch with the Moneylending unit, they may not know what you are on about but push the position to them that fraud has taken place and you want action. Take the names of the people you deal with at the police station and you can complain about them if they are obstructive and say 'it is a civil matter'.

 

Stress that you are feeling harrassed and vicitimised and threatened by the tone of their letters and emails and phonecalls and they should try to do something.

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  • 2 weeks later...

Happy Holidays Everyone,

 

Im so ****ed off at Clarity, PTP have passed my debt to them, I know some of you guys have dealt with Clarity peacefully but the lady that answered the phone was very rude and SHOUTING at me saying "Why in the hell do you think that £10 per month is reasonable" for a debt of £578?????" so i just put the phone down on her and emailed them saying i will not tolerate this king of atitudem and stuck to my repayment offer NOT NORE NOT LESS...

 

Im so stressed i dont need this at this time of the year.

 

PLEASE HELPPPPPPPPPPPPPPPPPPPPPPPPPPPPP :mad:

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