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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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Eviction 11th August


StruggleMum
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Hi All

 

I am in a similar position. I have already successfully defended one eviction notice back in February but fell off the bandwagon again due to a serious health scare and unexpected expenditures. I missed three payments but paid them back on 28 July. They are refusing to accept this and want a large lump sum payment to stop eviction on 11 August. I have asked them to capitalise the arrears and to extend the mortgage term (I have 13 years left and am 41). They have refused to consider these options despite the recommendations given by FSA, DirectGov. I feel really depressed as I never seem to get anywhere and am now scared that as we have been here before I will not stop the eviction. Any advice

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Hi there, are you saying you paid the three missed payments on 28 July? are you able to maintain payments going forward?

If this is the case then you won't lose your home. You need to enter an N244 at court asking for a hearing for the judge to suspend eviction.

 

Do you have any evidence of your health problem which kept you from making payments? (i.e. were you off sick from work and not paid during that time?)

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Hi there, are you saying you paid the three missed payments on 28 July? are you able to maintain payments going forward?

If this is the case then you won't lose your home. You need to enter an N244 at court asking for a hearing for the judge to suspend eviction.

 

Do you have any evidence of your health problem which kept you from making payments? (i.e. were you off sick from work and not paid during that time?)

 

Yes the total of missed payments was £2331, I paid £2340 on 28 July but they would not accept this as and want a larger lump sum payment. My mortgage payment is also due to reduce by £124 from 1 October due to coming out of the fixed rate lock in period which they have written to me about but will still not accept my offers. It seems that rather than look at all options they would rather see myself, my two children and my pensioner mother homeless. They have also not sent me an up to date statement of my account.

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Strugglemum, we are going to have to act fast if you are to put an N244 into court to get a hearing before 11th August. I can help you with the form but you will need to stay on line while we get it done.

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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Hi thank you for coming back to me. I completed the N244 myself and am having representation from Mortgage specialisets. I has cost me to have representation but I think it is worth it in the end if it means I get to keep my home. My hearing date is Monday at 9.30am and I will let you know how it goes.

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Strugglemum, any news?

A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.:D

MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug.:confused: . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct:D

CCA sent 1st Credit 11th August, reply 15th Aug

Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.

Still to come: Cap. One, Time retail, HFC Bank.

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Hi there - sorry for the delay in updating everyone but I took some time out to spend with my boys.

 

I went to court on Monday. The Judge asked when the last payment was made and for how much and the reasons why I had fallen behind. I explained the situation and told him that I had paid £2340. He couldnt understand why when I was back up to date Capstone had gone for eviction and when he asked for their argument and was told there was no evidence I could pay he laughed and said she has just paid £2340 what more evidence do you need. He basically threw the case out and suspended the order on mortgage payment plus £50 per month towards arrears. I was so relieved as you can imagine. I went armed with all the information I had received from this site but actually didnt need any of it as the Judge appeared to be on my side. Thank you all for your help and support. However, I do feel strongly that this company is getting away with this situation that I am thinking of complaining to either the FSA or Financial Ombudsman about their treatment of their borrowers in arrears.

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Well done! you must feel so relieved.:)

You said you had representation - did they go to court with you?

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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Yes they did come with me albeit I did have to pay but my Uncle kindly lent me the money. As it turned out I didnt need him really but it was nice to have some support. I was talking to the chap afterwards and he has acted in these cases many times on both sides. He said that the one thing I did that was good was to pay the £2340 despite the fact that Capstone didnt accept it to stop the eviction, in fact they didnt want me to pay it but I did in any event. Apparently by doing this it showed the judge that I was trying to pay and helped my case. I really feel quite strongly about this company though as it seems they are doing nothing to help people despite government and FSA guidelines that lenders should be doing all they can to help borrowers stay in their homes.

 

The whole situation was so stressful to the point that I almost gave up and to think if they had only been more reasonable it could all have been avoided and obviously now I will have more charges for court etc lumped on to my arrears.

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Hope you had a good time with your boys after all the stress. Wishing you all the best for the future and hope all comes well in the end.

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