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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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HFO services / Barclycard


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Hi all just checked and both the SAR & CCA letters have been delivered and signed for I have printed out the receipts.

 

So the clock is now running HFO have got until the 2nd December for their 12+2 working days.

Will keep you update with any developments.

 

DT

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hello - First time for me on this site but i had a letter exactly the same delivered to me two days ago. Never been in this situation before so had a bit of a panic and then read the threads on here and didnt feel so bad.

I defaulted on a Barclaycard bill 4 and a half years ago and thought in my ignorance that i had out run it. But no!

After reading alot on here i took a trip to the CAB and they put me in touch with National debt line who i spoke to last night. My situation is that i am on long term incapacity benefit and have hardly any money coming in at all. After my out goings i am left with about £ 30 a month.

After a very helpful chat with the debt line man he suggested that i might be eligible for something called a debt relief order - this basically means that so long as i dont have more than £50 a month left after paying all my out goings that in a year the debt will be wiped and HFO will get nothing at all. I am going to send HFO a hold action letter but i dont k now if you can do a recorded delivery to a PO box address?

If for some reason the debt relief order is unsuccessful then i will have to agree a repayment scheme with them.

Basically i was just writing here to say thank you to all the people who have contributed on this forum for calming me down because i was on the verge of ringing them up or ignoring it ! And i know that many people here may not be able to apply for the debt relief order but if you have a debt of less than 15 thousand and no assets and basically no available funds then this might be the way to go.

Fingers crossed and thanks again :)

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If you have other debts then a DRO is a good thing for you, if this is your only debt then you can ignore the letter from HFO quite safely, if you ignore them they will continue to send threatening letters and eventually either give up if there is no reply or send court papers, in which case there are good defences you can give.

 

Do not do a DRO if this is the only debt you have. You also should have a new thread for your own problem.

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  • 2 weeks later...

HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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They have not complied with your request. Write back and ask for the specifics missed, viz. default notices, termination notices and details of to whom and when the account was sold.

 

Idiots. Seems to be becoming a standard response.

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HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

 

Watch for the post! I had the same responce from Barclaycard and 18 months of statements, that was two weeks ago, this morning the rest of my SAR came by recorded delivery - makes for interesting reading, I can tell you! It's a possibilty yours may do the same!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Send em this

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal datalink3.giflink3.giflink3.gif is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a Default Notice and Notice of Assignment

2) You have failed to inform me to whom the account was sold. Please note that this must include company name, company registration number, full address and telephone numbers. Also the exact date on which the account was sold.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

Please support CAG and they will support you.

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Thanks Coledog.

 

I will send it of tomorrow when I am at the post office.

 

I have just came a cross this statement of account from Turnbull Rutherford from January this year.

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0014.jpg

 

Also checked the statements and the last payment was was a token one made on the 14th February 2005 .

 

I am write in thinking because I live in Scotland this debt is statute barred as its now over 5 years since I made a payment.

 

DT

Edited by dogtrainer
spelling mistake

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Yes, you are correct. It will be now SB.

 

That ‘statement’ is full of cr*p.

 

They state the legal owner as HFO Capital Ltd. This cannot be the case, and we can prove it.

 

They state the contractual interest rate as 12%. What contract?

 

They have added interest from the date they claim to have acquired it. They can only claim it from the date you were notified by NoA.

 

It says you have a contract with Turnbull Rutherford Solicitors. Exxcuse me? You’ve just claimed the legal owner is HFO Capital! How can there be a contract with TR?

 

They are not allowed to add administrative charges – OFT guidelines, unless it’s in the contract. Oh, what contract?

 

What a pile of dissembling rubbish. These idiots must be put under close scrutiny by the OFT for these misleading and frankly unethical business practices.

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Thanks Donkey B

 

What do you think I should do next just ignore them and hope that they will crawl back under their stone again as the clock is ticking on CCA request

 

I will send of the letter Coledog wrote of tomorrow and wait and see what comes back .8)

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hi Coledog

 

The CCA request is up a week tomorrow 2nd December

 

The last payment according to the statements was a token one received by B/C on the 14th February 2005 cant remember making it though:!:

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Below is the link to the in dispute letter to send if no CCA response - await the result of SAR and let us know if you receive anything

 

http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request

 

,

Please support CAG and they will support you.

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well wot can a fella say?

 

I'm always drinking - tea, coffee, water, squash, sherry, wine, the odd pink gin

and I do like a nice long G & T... oh, and a glass of decent mild now and then -

or whenever I can find one

 

The line from the Goon Show song seemed so appropriate at that moment -

glad I could raise a grin or two... my wife tells me I have a dreadful sense of

humour so I have to try very hard.

 

It's being so cheerful that keeps me going :-)

 

 

Cheers guys,

charlie

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