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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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HFC BANK - Tricky Questionnaire?


Vonn
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Hi

This is my first post, but have looked in many times, very helpful site, but my question is this:

Has anyone rec'd a questionnaire from HFC Bank by any chance? If so, how did you fill it in, it asks "how would you have paid us the loan back if you became unemployed"? What sort of question is that!:eek:

I'm trying to claim back mis-sold PPI from 2001/2002, the thing is if I was forced to have it or be refused the loan, which is the best way to answer the question,:confused: any advice please, it's all welcome.

 

Cheers

Vonn

Edited by Vonn

Vonn

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TBH: it won't matter what you put.

 

its a load of bull and just a delaying tactic.

 

put down whatever you want

infact make it funny if you like.

 

if you want a hand

 

then post it up and we'll play a game of who can fill in the most obnoxious answers

 

HFC are the pits, and will not do anything to help you.

 

expect to go to the FOS in 8 weeks from the day you post it back

 

in fact, i'd put that on a cover letter when you send it back.

 

DO NOT give them any pers or financial info at all.

 

they'll use it against you

 

scan it up

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply DX, I've not claimed before, but am gonna try my luck now.

I wrote to them asking if PPI had been included in a loan I had with them, maybe 2001/2002 and finished it in 2004. They wrote back and said yes, but I'm not sure if it was attached without my knowing or agreed to, anyhow I did have PPI attached, now they have sent me a questionnaire and are asking -

Suitability and Exclusions

(a)If your earnings had ceased during the term of the loan, how would you have maintained your regular repayments?:-x

That's a tricky question!!! They want it back in 10 days:eek: (5 now, it took 5 days to get to me)

Anyhow for now, I just sent off a postal order asking for the original agreement.

Any advice welcomed.

Vonn

Vonn

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its just a delaying tactic.

 

TBH it matters not what you write

 

just dont give them ANY more pers details or financial details than what they already have.

 

put amusing answers down if you want.

 

or N/A

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi

This is my first post, but have looked in many times, very helpful site, but my question is this:

Has anyone rec'd a questionnaire from HFC Bank by any chance? If so, how did you fill it in, it asks "how would you have paid us the loan back if you became unemployed"? What sort of question is that!:eek:

I'm trying to claim back mis-sold PPI from 2001/2002, the thing is if I was forced to have it or be refused the loan, which is the best way to answer the question,:confused: any advice please, it's all welcome.

 

Cheers

Vonn

 

I would tell them to stick the questionnaire where the sun don't shine. If they had sold you the PPI in the correct manner in the first place, they would already have their answers.

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Hi

I've just rec'd a reply from HFC Bank regarding my 2 accounts which were paid in full in 2003.

It states "The bank is not required to provide information under Section 77 of the Act when a loan agreement has been paid in full. We confirm account number: XXXXXXXX closed on March 2003.

Please note we have conducted a reasonable search for account no: XXXXXXXX and at the time of request it cannot be located. Details of any account which has been closed over six years will no longer be held on our systems".

 

Can I take this matter further...or not? They cannot find the one account and the other they say, the Bank is not required under section 77, to provide any info.

 

Any help please is very much welcome.

 

Vonn

Vonn

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Hi

I've just rec'd a reply from HFC Bank regarding my 2 accounts which were paid in full in 2003.

It states "The bank is not required to provide information under Section 77 of the Act when a loan agreement has been paid in full. We confirm account number: XXXXXXXX closed on March 2003.

Please note we have conducted a reasonable search for account no: XXXXXXXX and at the time of request it cannot be located. Details of any account which has been closed over six years will no longer be held on our systems".

 

Can I take this matter further...or not? They cannot find the one account and the other they say, the Bank is not required under section 77, to provide any info.

 

Any help please is very much welcome.

 

Vonn

 

 

sar them is what you should have done

 

this is just more delaying tactics

 

sar them!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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why have you started another thread on the same subject?

 

dx

hit the red warning triangle and ask for them to be merged.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Done.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You could try a Subject Access Request but I fear they may say they dont keep ANY records over 6 years again.

 

If youre planning to take action against them its harder to do it after 6 years anyway.

 

the 6 years only starts to run from the end of the agreement ,so they must keep copies under the money laundering act..

so SAR THEM if they refuse this time send at the same time as the SAR a copy letter to the INFORMATION COMMISIONERS OFFICE along with copies of what they have sent you so far and let HFC know you are doing this as a matter of course ..

patrickq1

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