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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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Repossession hearing


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I have a repossession hearing tomorrow has I have fallen into about £2,000 with my secured loan. I have come to an agreement to pay an extra £100 per month but said it still has to go to court. I have also fallen into about £2,000 arrears with my mortgage who have not started any proceedings yet.

 

Dont know what to do or wat happens at the court hearing tomorrow. Had a bad few months suffering from depression and seeing a counsellor now to help me, my husband has left me and there is just me paying my bills, is it likely the Judge will issue an eviction order

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Hopefully Ell-enn will be along soon to help, but until she does she's likely to ask what are they going for? Is it a suspended possession order or outright possession? Is this the first time in court?

Have you filled your defence forms in, or taken a statement into court?

Have you completed a budget sheet? If not theres one here you can fill in ready for court.

 

Sorry I can't help much more as I'm going through the same thing (in court in a few hours), but Ell-enn was a great help.

 

Once this is sorted out you will also need to talk to your building society about the mortgage arrears too and try to come to some arrangement about teh arrears on those before it ends up the same way.

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Hi there, firstly who are the lenders? and secondly have they accepted your offer to pay £100 towards in writing?

 

You say you haven't returned the defence forms? you need to let the court know that what they are saying about your payments is wrong. If you have a bank statement showing you have made a payment in December then their claim is wrong. Do you have an up to date statement from the lender - dies the arrears amount they are claiming include charges for being in arrears?

 

I can help you with a document to take to court tomorrow to hand to the judge, just let me know and I'll get onto it.

 

Also, don't be afraid of the court hearing - it's not like the courts shown on telly - there''s no barristers in wigs or anything like that. The hearing will be in a private room with just you, the judge and a rep for the lender and you will be sat round a table (like a meeting). The judges are usually very good at putting you at your ease and will be understanding of your situation.

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Hi the lender is Blemain Finance who are only interesting in repossessing dont want to help. I told them I could afford to pay £100 on top of my payments and after doing a budget sheet over phone told me I could pay £150 on top of monthly payment and said I had to pay that. They have not sent anything in writing.

 

They have not sent any upto date statement they sent a payment list to court saying i paid on 14 November and nothing since. I have a bank statement for November and December showing payments going to them.

 

What sort of document do I need to hand to Judge. If I have about £120 left over after doing budget sheet will Judge make me pay more.

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If you can only afford £100 on top of your monthly payment then that is all you should offer. I have affixed the budget sheet we use for court - remember when filling it in that the amount you are offering towards the arrears each month is the amount left over after everything else has been accounted for.

 

Blemain can ask for any amount they like, but a judge will not ask you to pay any more than you can afford. Lenders always ask for high payments, but they don't get them allowed when it goes to court!

 

Do you have a printer? and are you able to take copies of documents? I can affix a document for you to take to the hearing, just need some info?

 

Is the mortgage in joint names?

Do you have any children?

How many months in arrears are you?

 

You will need a copy of the bank statement showing the payments you made in November and December - how did you make the payments?

Budget Sheet.xls

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Do you have a printer and can you take copies?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I have drafted a document for you to take to court and it is affixed. Print it off and sign it. You need to attach your budget sheet (write Appendix 1 at the top).

 

On your bank statement circle in pen the payments you want to prove you made and write Appendix 2 at the top.

 

The statement I have affixed and the two Appendices form the pack you will hand to the judge. You will need two further photocopies, one for the other side's rep and one for yourself to refer to in the hearing.

 

When you get to court ask the court usher if they can give your pack to the judge, if they say it's too late as he is already in the hearing room, you will have to give it to him in your hearing. Wait until he has finished his introduction at the beginning of the hearing and say "Sir/Madam - may I give you an up to date statement" and just hand it over.

 

Any questions, just shout.

Heaven72 Statement.doc

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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