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    • Its Gaelic celebration and bonfires today - Beltane Quite fortuitous for tomorrow lets hope
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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
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Hi,

 

Apologies if this is something which has been covered - I presume it must have been but can't find anything specific to my particular problem.

 

I am a professional dog walker and every day park on a single yellow line for approximately 3 minutes while I go into a customers house and collect their dog for walking, and again when I drop the dog off after the walk.

 

Yesterday in the post I received a "notice to owner" letter from Lambeth Parking informing me that a PCN was issued at the beginning of last month and that the penalty charge had not been paid.

 

I didn't physically get issued with the PCN - not left on my windscreen nor handed to me - traffic wardens are often around when I'm there but no one said anything to me to the effect that they were issuing a ticket.

 

Also, I was under the impression that I was allowed to park on a single yellow line for the purpose of loading/unloading for as long as the task required, am I correct in thinking this?

 

I am obviously going to dispute the ticket, but unsure if I should site the loading/unloading point or the fact that no ticket was issued to me? Or both?

 

Many thanks for any help or advice.

 

Jo.

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This wouldn't come under a loading exemption as the car is a convenience not a necessity (the dogs are quite capable of walking to the car). It may come under the boarding/alighting exemption but it will depend on what the tro/tmo and the legislation itself says. Bottom line is I think it may be tough on this point.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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Hi Bernie,

 

Thanks for the quick response.

 

I understand that the dog can walk to the car, so I could have therefore parked in a pay and display bay 4 streets away and walked to and from the house. But with regards to loading/unloading small items that aren't heavy wouldn't the same logic be applied - i.e that the person could have parked and then walked to and from their van etc to load/unload?

 

What about the other point about the PCN not actually being put on the windscreen, or handed to me, or even me being told that a ticket was being issued? I genuinely had no idea about this until I got the "notice to owner" letter yesterday.

 

Many thanks,

Jo.

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I've just come across the website penaltychargenotice.co.uk and it seems to back up my idea that loading the dog into the car is a reasonable reason for having the pcn cancelled, as it was part of a commercial activity the size of the item is not relevant?!

 

PenaltyCharge Notice.co.uk - Parking - Parking Adjudicators Decisions

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I don't think you could describe a dog as an item, or as goods. The loading exemption tends to apply where there is a necessity and as Bernie pointed out, that's a bit tricky to argue when your business is walkingthe dogs anyway. The argument for allowing passengers to alight might be a better way to go with the appeal - slightly unusual situation though.

 

As regards not receiving the PCN, in principle yes - if the CEO says he/she could not serve it as the vehicle was driven away, then this might stick as a postally served PCN. I think there are different sorts of NTOs, one for postal PCN, one for standard. Maybe if you could put a scan up, with personal details blanked out? If it's not a postal PCN version, you might have a case.

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I don't think you could describe a dog as an item, or as goods.

 

I see where you are coming from but livestock still needs to be unloaded be it a lorry load of sheep or your beloved pooch so the fact that its alive isn't really relevant, you wouldn't expect a pet rabbit to walk from the nearest P&D.

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Just thought, if you also had other dogs in the car then you could argue that you were unable to leave them unattended and hence needed to park in close proximity to your customer - that may help justify the exemption.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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Hi,

 

Jamberson - I will dust my scanner off when I get home and hope it's still working to show you exactly what I got.

 

I have read somewhere today (goodness knows where - have lost track of what info was on what site!) that "goods" could be "animate or inanimate"

 

I did have other dogs in the car, as I walk several dogs from different homes together, so I will make sure I include this information in my letter to Lambeth Parking, thanks green_and_mean and bernie_the_bolt!

 

Jo.

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Jamberson, if this helps what I received is exactly the same as this example, with the contravention code being 01. Do you still need me to scan mine in?

 

http://www.parkingappeals.co.uk/LinkClick.aspx?link=Documents%2ftma2004%2flambeth+nto.pdf&tabid=539&mid=2121

 

Lambeth have a reputation for these NTOs appearing after no PCN was seen on the car I would ask for proof it was served. You have nothing to lose now they have deprived you of your discount so you may as well go all the way to adjudication. Appeal in the first instance to the council that:

 

a) you were unloading

 

and

 

b) no PCN was served

 

with your appeal request a copy of the original PCN, the officers notes and photographs taken at the time.

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Maybe someone who knows better than me can identify it? Looks like a postal PCN to me - maybe someone can confirm this?

 

If it is, and the CEO claims the vehicle was driven away before he/she could serve, then that argument is probably going to fail. If it is not, then you might have a way to appeal it.

 

NTO experts??

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What does it say on the plate?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice usefull.

 

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Maybe someone who knows better than me can identify it? Looks like a postal PCN to me - maybe someone can confirm this?

 

If it is, and the CEO claims the vehicle was driven away before he/she could serve, then that argument is probably going to fail. If it is not, then you might have a way to appeal it.

 

NTO experts??

 

Denied. the words "NOTICE TO OWNER" are the clue :) Reg 10 PCNs don't look like that

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Right, I've just been back to the place that I parked and there is no plate referring to the yellow line that I could see. It starts next to a bay for residents parking, for which there is a plate stating the times of operation, and I walked the length of the single yellow line from there, to where it joins a double yellow, no plate anywhere. So is this my 3rd point to follow 1)loading and 2)no PCN issued??!

 

Am feeling fairly confident that they will cancel the ticket now! Thank you all!

 

Jo.

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  • 1 month later...

Hi all,

 

Thought I would update you with what happened with this ticket.

 

After procrastinating quite a bit, I eventually wrote my letter to Lambeth with the following points:

 

"Grounds for representation: The alleged contravention did not occur AND There has been procedural impropriety on the part of the enforcement authority

 

1) The alleged contravention did not occur

I am a professional dog walker and park my car on ........... in order to pick up a customer’s dog from ........... I left my car unattended for a maximum of 3 minutes. I believe that under the road traffic act I am allowed to leave my car on a single yellow line (with no specific loading restrictions) for the purpose of loading/unloading in the course of my business.

 

2) There has been procedural impropriety on the part of the enforcement authority

The Penalty Charge Notice was not issued. I did not get the PCN on my car, one was not handed to me, and I was not even aware that anyone was in the process of writing the ticket. Furthermore, I did not receive a Penalty Charge Notice in the post. The first I have known of this alleged contravention was on receiving the Notice to Owner in the post.

 

Based on the above, I look forward to hearing that the PCN has been cancelled."

 

 

Today I received a letter from lambeth:

 

"Thank you for your letter in which you made representations about the above Penalty Charge Notice (PCN).

 

I am pleased to tell you that we have accepted your representations and cancelled the Penalty Charge Notice, and that you should hear no more about this matter."

 

Yay! Though it doesn't state which of the points I raised were the reason that they cancelled the ticket, but I am very pleased, more so because I nearly missed the 28 day deadline - eek.

 

Thanks all for your help, it was much appreciated.

 

Regards,

Jo.

Edited by hobajay
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Hi all,

 

Thought I would update you with what happened with this ticket.

 

After procrastinating quite a bit, I eventually wrote my letter to Lambeth with the following points:

 

"Grounds for representation: The alleged contravention did not occur AND There has been procedural impropriety on the part of the enforcement authority

 

1) The alleged contravention did not occur

I am a professional dog walker and park my car on ........... in order to pick up a customer’s dog from ........... I left my car unattended for a maximum of 3 minutes. I believe that under the road traffic act I am allowed to leave my car on a single yellow line (with no specific loading restrictions) for the purpose of loading/unloading in the course of my business.

 

2) There has been procedural impropriety on the part of the enforcement authority

The Penalty Charge Notice was not issued. I did not get the PCN on my car, one was not handed to me, and I was not even aware that anyone was in the process of writing the ticket. Furthermore, I did not receive a Penalty Charge Notice in the post. The first I have known of this alleged contravention was on receiving the Notice to Owner in the post.

 

Based on the above, I look forward to hearing that the PCN has been cancelled.

 

Regards,

Jo Lindsay."

 

 

Today I received a letter from lambeth:

 

"Thank you for your letter in which you made representations about the above Penalty Charge Notice (PCN).

 

I am pleased to tell you that we have accepted your representations and cancelled the Penalty Charge Notice, and that you should hear no more about this matter."

 

Yay! Though it doesn't state which of the points I raised were the reason that they cancelled the ticket, but I am very pleased, more so because I nearly missed the 28 day deadline - eek.

 

Thanks all for your help, it was much appreciated.

 

Regards,

Jo.

 

They probably feared that you'd be happy to take it to PATAS demanding proof of service. I.e photos. Scumbeth traffiic wardens having a history of lying about service of PCNs.

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