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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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capstone - cancelling possession order once arrears is cleared


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Hi Ell-enn please help have a hearing in the next few weeks on a restored possesion the initial was adjourned as we had an arrangement, i paid all on the arrangement except the last 2 months due to financial difficulties in monies owend i ahve reprojected and can maintian the CMI plus arrangment of 150 we ahve in principle agreed a new arrangment payments due the day before the case i wil be paying via standing order though. i have sent a SARS request as i had been informed that though i was paying 150 arrangement they were charging me 150 for late payment on a few occaision one of them was when i had a 10 pound shortfall. They have not send me yhe statments up untill now should i CPR them to get all the documents as i suspect they have made other charges on the accoutn o simply deal wiht this one and get a suspended possession order. I know for a fact that the arrears includes the charges. The original fomr i cat find which one should i down load and also can you please draft me a response in this basis or if any one else can please advise.

many thanks

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Hi diggi882

 

First off I have flagged to the site team for some help for you.

 

Capstone are the administrators, who is the mortgage with? London, Preferred or Southern Pacific and who is the solicitor? Lightfoots or TLT.

 

As you are aware a defence is needed and the aim is for another adjournment on terms, with no possession order suspended or otherwise.

 

Are you able to make an offer on the missed payments?

Payment by standing order makes no difference (I wont let Capstone have any sort of access to my bank account :mad:).

 

Regarding the monthly offer towards reducing the arrears, do a realistic budget (you may need to present this to the Judge) is you had a problem maintaining the £150, this was clearly overambitious and needs to be revised down. This fact will also be part of your defence :)

 

Charges, have you been sent a statement of account? This will contain a figure called 'mortgage shortfall' this is the capstone fantasy figure and will include all the charges ans additional arrears interest etc..

Your arrears are the strict difference between the contractual monthly mortgage payment and the actual amount that you have paid. You will need to work this out from the start of your mortgage so that when the Judge asks 'Do you agree the arrears figure?' you can answer 'No, we believe the actual figure is £xx. The Judge will then set details for a further hearing to look at the facts.

 

Its going to be fine.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Thanks very much on the case, they havent sent any statements whatsoever inspite of the SARS it will expire tomorrow so a complaint letter is ready and waiting, it is with preferred, how do i go about getting th eadjopurnment with terms etci will revise the monthly altho it shoudl be ok now havign assessed my finances. right now i am guessing on the charegs based on what they have mentioned to me over the phone so there is still probably a lot more to come out of the woodwork when i get the whole thign any hep wiht wordign would also be gretaly appreciated, thanks very much for you help

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The fact that they have not responded to the SAR will be part of your submission & defence.

At my last hearing (to defend a Warrant for Eviction) the Judge described them as a complete shambles and took the trouble to remind me that the hearing had been recorded and that copy could be available (as evidence to the regulators).

The Judge ordered that the Claimant file and serve a Witness Statement with Schedule setting out the arrears figure. They then made an application for further time 'as the account was very complex' !!

My thread is here: http://www.consumeractiongroup.co.uk/forum/repossessions/230154-preferred-mortgages-capstone-mortgage.html

 

To get the Adjournment you ask the Judge.

In your statement explain that you have kept to the previous informal arrangement for xx months, that the missed additional payments were because of exceptional circumstances, that Capstone were aware of all the circumstances and would give no leeway. State your undertaking to pay the contractual mortgage payment as it falls due plus £xx towards the arrears.

 

Ask for the Adjournment on payment of the contractual mortgage plus £xx towards the arrears.

 

Also say that the claimed arrers are disputed, that the claimed arrears include charges, and ask for a further order that;

The Claimant file & serve a Witness Statement setting out the true arrears figure.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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  • 6 months later...

I have a capstone mortgage, it has a suspended possessio order but the arrears have now been capped. I requested the possion order to be cancelled but the judge wnats a hearing please advise. I am up to date wiht the morgage but was late once and have been charged, this is being challenged with the FOS.

I though a letter proving the mortgage was capitalised was proof enough still have to go to a hearing

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  • 1 month later...

Hi

 

I have had my arrears capped with capstone they included fees I am trying to recover via the Fos.

 

I had a court hearing after requesting the original possession order is cancelled to my surprise the judge could not decide as he didn't have any case law to hand and requested us to come back as we need to set out if the are existing arrears etc.

 

The arrears comprise of huge charges of 85 levied once the payments are later than 13 days of the due date which is the 1st of eve month.

 

can anyone please provide examples of possession order cancelled following payment of arrears asap.

 

Thanks

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i think you need a notice of discontinuance form.

google and you will find more info..sorry i have no links at the moment.

 

hope this helps

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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  • 4 years later...
  • dx100uk changed the title to cancelling possession order once arrears is cleared
  • dx100uk changed the title to capstone - cancelling possession order once arrears is cleared
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