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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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1st Credit Help please


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It is illegible, you have the document to prove to the DJ, if it got that far, that this is what they sent you, it matters not that they don't believe the account to be in dispute, they always say that.

 

Account in dispute, document illegible, you have the evidence, withhold all payments to them, and only respond to them 'IF' they issue you with court papers, in which case you will be able to request the documents they will be using to enforce this in court.

 

P.S. Have you claimed back the charges?

 

Hi again,

 

No I have not claimed the charges back . I think I`ll take yours and the other members advice for now, and respond to them if and when I need to. Seems a waste of time asking for a legible copy as I waited a year for what they sent.

Thx

 

Monx...I`ll try not to give in to them, I honestly cant read most of what they sent so I`ll see what happens next.

 

Not looking forward to it though.

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  • 3 weeks later...

Joe, they should have sent you at the same time, copies of any separate terms and conditions that were in force at the time the account was opened and terms and coditions that are current. If any variations were made, then they are to send those as well. Also, they are obliged to sent you a signed statement of account... and all for your £1.00:)

 

There are plenty of 1st credit tales on the forums so if you have a read round then you will get a feel for what this company are like.

 

Any letters you receive, post the general point of them on your thread and you will get loads of help and advice on how to respond.

 

Do you know if the account has been assigned to 1st credit eg are they now the new owner of the account or have they just been tasked to collect it on behalf of the original creditor ?

 

If it has been sold to 1st credit, then you should have received a Notice of Assignment from them.

 

Remember to keep all envelopes that their letters come in. Staple them to the letter and keep copies of any proof of posting slips (free from the post office) or recorded delivery slips when you send letters to them.

 

If you send recorded delivery, make sure you check the Royal Mail Website perhaps a week after posting and print of the notice of delivery/signature page from the site, again keep that with the letters you send.

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Hi citizenB,

 

They have sent me a copy of my application and another page, which I guess is supposed to be the terms and conditions. I had to wait nearly a year for this. I posted a pdf earlier in the thread.

 

Problem is I can`t read most of it. All I`m asking for is a legible copy.

 

I have not received any letters of assignment from them.

 

On Tuesday they sent a letter about offering a generous discount, it says if I want to accept their offer "sign here and return"

or if I don`t want to accept their offer "sign here and return"

and asks for my telephone number as well.

 

As yet I have not done anything...I can`t?

 

I have sent everything recorded and have kept their letters, but not envelopes.

 

I really appreciate the help from yourself and others in times of uncertainty.

 

Joe

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  • 4 months later...

Hi again,

 

Can I report the matter to the financial ombudsman as they have now sent a letter saying that they will start legal proceedings against me.

 

It seems they will not accept the account is in dispute, although nothing new has been sent since the Pdf`s I posted earlier in the thread.

 

The only other communication with them since today and since last time I posted, is letters from them offering discounts and strangely a letter saying I owe this debt and introducing themselves as !st credit

 

and asking for payment.

 

Thanks

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As you are now finding out, these excuses for debt collectors cannot be reasoned with and will be the down fall of their sad sorry selves, just went back to refresh my memory as to how bad that copy really was, and without a shadow of a doubt, the first copy you posted up, could in all possibility actually be written in a foreign language it is that bad!

 

You should make formal complaints to the OFT&TS via Consumer Direct, see what they advise first, if anything, and continue to make formal complaints each and every time these complete morons darken your doorstep with their irrelavent nonsense.

The 'failed' letter is simply a letter sent when they have failed to provide an agreement within the time limit laid down, this then disputes the account until such time that they do provide the agreement.

 

However as what they have sent you is in a foreign language and undecipherable, then you could send them the 'what is this toilet paper you have sent me ?' letter.

 

As long as you have informed them that the account is disputed due to the illegibility of it, then that is all they need be told. As well as making formal complaints about them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,

 

Thanks for clearing that up for me, I have sent a letter of dispute already so I`ll wait and see what happens next. (might consider the other letter, if I think there actually going to read it)

 

I will also see what Consumer Direct advise that I do and will let you know the outcome and any further correspondence.

 

Thanks again

 

Joe

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Hi Joe been reading through, I'm having a ding dong with 1st Credit at the moment aswell (was for Vanquis 07 and MBNA 02/03, got it down to MBNA now, but I doubt they'll keep it much longer). If you get anything from the following DCAs they are also part of 1st Credit: Connaught Collections, LCS solicitors and Debt Help Services. LCS threatened ligitation last year, I only found the letter a couple of weeks ago, never been to court. They are a bunch of mugs. Listen to BB he comes out with sound advice, well I think personally anyway. PM

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If you get anything from the following DCAs they are also part of 1st Credit: Connaught Collections, LCS solicitors and Debt Help Services.

 

Yes PM you are correct in that they are one of the same, I tried to bait them earlier forgot who it was I was supposed to be asking for, ended up laughing at the lad on the other end, now they won't answer my calls!:noidea:

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes PM you are correct in that they are one of the same, I tried to bait them earlier forgot who it was I was supposed to be asking for, ended up laughing at the lad on the other end, now they won't answer my calls!:noidea:

 

BB, now you know you're not suposed to mock the poor DCAs as they're so sensitive about it lol...

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  • 2 weeks later...

I too am in similar sitation with 1st Crud and if you want to have a laugh then grab a coffee (you wll need it ) and have a look at my situaton on my thread 1st Credit & LCS Battle

 

They are like a dog wih a bone this lot and I have taken the advice of BB and others on this forum and have totally ignored them since about May. If you do read my hread you will see they have written loads of "we may take you to court" and "if we are successful" type of letters but having now spent a lot of time on this forum reading through other threads I am now convinced that they have no real chance of succeeding.

 

I am thinking seriously about makingsome official complains to the other bodies reccommended though such as the OFT & TS because I did make a complaint to the F O about 1st Crud and Citi Financil but they were as much good as a choc freguard and didnt help at all.

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