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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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letter from HFO regarding a debt


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Well the calm had stormed and the concern wandered away without action from me only to turn around and bite me on the arse!

 

ScannedImage-1.jpg

 

As advised I have scanned a copy of a letter I have received Today and I have scanned and kept the envelope also.

 

One thing I am actually unsure of from this letter is WHO the money is now owed to because we have HFO, HFO Services and HFO Capital all mentioned in the same letter???

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Oh dear Turnbull Rutherford. WHEN we obtain judgment a bailiff WILL call.

 

They simply cannot state that. It is threatening. There is no certainty they will get a CCJ.

 

This must be reported to the SRA and, as Turnbull Rutherford actually runs HFO Services, to the OFT.

 

It's been a while since you posted so I'll need to re-read the thread... did you send the SAR to Sainsbury's?

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did you send the Subject access requestlink3.gif to Sainsbury's?

 

Well I started with all great intentions but as the storm calmed it got filed to the back of my mind :(

 

I have a small amount of funds that I can spare for this now though so I will do it immediately:oops:

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Once someone threatens you with legal action we are into pre-action protocols. It's basically saying put up or shut up. Invite them to present their evidence now, if you like - ie. anything they intend to rely on in court.

 

HFO aren't used to people doing that. Maybe we should adopt it as a tactic.

 

SAR to the OC is a priority - specifically request copies and dates on default notices, termination, date of sale to a third party, etc.

 

Also suggest they send a copy of the any sale agreement relating to your account, ie. the one between HBOS and HFO. I don't know if they would be obliged to provide that, but it's worth a try.

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Once someone threatens you with legal action we are into pre-action protocols. It's basically saying put up or shut up. Invite them to present their evidence now, if you like - ie. anything they intend to rely on in court.

 

HFO aren't used to people doing that. Maybe we should adopt it as a tactic.

 

SAR to the OC is a priority - specifically request copies and dates on default notices, termination, date of sale to a third party, etc.

 

Also suggest they send a copy of the any sale agreement relating to your account, ie. the one between HBOS and HFO. I don't know if they would be obliged to provide that, but it's worth a try.

 

I will print off the SAR now and get over to the Post Office to include the £10 Postal Order and send recorded Today.

 

What do I need to send to HFO?

 

Do I need to write a letter back toTurnball?

 

Regards

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I have just copied the sar letter and have realised that the address that I currently reside at is going to be different to the one that they have on their records. What is the best thing to do here? Should I just send them a copy of the letter that Turnball have sent me because that has all of the relevant details on it?

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As long as they have your name, your address at the time, and your original account number, they should have the info.

 

To save time, and although it isn't strictly required, you may want to include some form of ID for the OC, and even sign the request (although maybe slightly differently to your usual sig - keep a copy of what you send).

 

Don't send them anything to do with Turnbullsh*t Rutherford.

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Did you report HFO to the OFT and TS for that letter, since it's making direct threats, and not allusions to actions they 'may' take?

 

HFO and TR do appear to be two of the more unpleasant DCAs - not that any of them are pleasant, of course.

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Please edit last letter, you have your address on it.

 

I don't see it?

 

point B ) Once HFO obtain judgment...........

 

Thank You, That is why I missed it:p

 

Really appreciate you pointing that out:cool:

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UPDATE!

 

Just telephoned Saninsbury's bank and went through the automated procedure and once I had entered my 16 digit account number my call was immediately forwarded to Blair, Oliver and Scott.

 

I spoke with a young lady who came accross very helpful and said that the debt was sold to Roxburghe PLC on 8th July 2008.

 

I also asked when the credit agreement was taken out and I was informed that I need to contact Roxburghe PLC and they will have access to that information?

 

I think I need to make a quick call;)

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Sold to Roxburghe PLC? Not to HFO Capital, as they claim? Call back and ask for that in writing. This is very important.

 

I have called back again and spoke to another VERY helpful advisor and have found out the exact date that the credit agreement was taken out, the exact date that it was passed onto Blair, Oliver and Scott and the exacct amount that had been sold to (AND I CONFIRMED SPELLING, TELEPHONE NUMBER AND ADDRESS) Roxburghe PLC.

 

I have tried calling Roxburghe PLC on the number provided (which is the only number Blair, Oliver and Scott have) and an automated message saying that the number is not in service is given.

 

I called a 118 service and the Company name and address that I provided apparently uses an EX-DIRECTORY telephone number??? WTF???

 

I smell a rat!

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Roxburghe exists OK - it's another part of the group of companies, and is closely related to HFO.

 

If you talk to them you will effectively be talking to HFO so DON'T DO IT!

 

There are other ways to get at the root of what you need.

 

Ask for that info IN WRITING from BOS. Tell them this information is vital and must be accurate - ask them to double check. Ask if these are the only accounts that HBOS has sold to Roxbughe. If it's the ONLY history they have with Roxburghe, then there's no reason for an 'admin error' on the systems.

 

This is becoming a worrying trend for HFO. I do not believe their dealings, even with the people they buy debts from, appear transparent.

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