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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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Egg passed account to Apex despite payments being made,


maylee
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My debt with Egg (loan and credit card) has also recently been passed to Apex (even though I have been paying Egg £137 per month since 2006 to repay the debt). Apex have been constantly hassling me by phone but I am refusing to deal with them over the phone. However, I have just realised that my monthly standing orders are still being taken by Egg (even though they have confirmed by letter and phone that the account has been passed to Apex) and when I called Egg to ask about this today, they confirmed that they are still taking the money but it is being passed to Apex - is this legal - should I stop the standing orders to Egg ?- any advice much appreciated.

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Hi maylee

 

Welcome to CAG.

 

You should start your own thread and provide more history to all this and the main debt forums get more comment than here.

 

My initial thoughts are:

 

When you say 'passed to', do Apex claim to own it? If not they're just acting as Egg's agents and Egg are responsible for anything untoward that Apex do.

 

This is all typical behaviour from Egg to confuse and frighten you into paying more; I would continue payments direct to Egg, but you are paying a lot; have they frozen charges & interest? have you requested a CCA?

 

Have a good read around this great site that keeps us all fighting yet sane. Collegaues will be along to help.

 

love

 

vic

Edited by victoria_siempre
typo
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Thread moved here.

You need to be putting something in writing to both Egg and Apex.

Have you looked on your credit files recently to see what is recorded there in respect of this ?

If Egg are still taking payments,then I dont see any need for Apex to be making demands or giving you hassle.

Write and tell them that you consider your dealings are exclusively with Egg,and that they should be following their codes of practice.Ask them to send a copy of their complaints procedure.

 

In the case of Egg,write to them and inform them of their duties in compliance with the Lending code,and Offuice of Fair Trading guidance.

That you hold them equally responsible for any third parties they instruct which are causing you stress and are in breach of regulations.

Ask them also for a copy of their complaints procedure,and stress that you are only prepared to deal in writing.

Keep copies and send recorded.

I will give you the correct addresses to send here.

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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Egg Banking

Registered Office33, Canada Square, LONDON, E14 5LB

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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Apex Credit Management Limited

Registered Office Apex House, 27, Arden Street, STRATFORD-UPON-AVON, Warwickshire, CV37 6NW

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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Yes of course you CAN complain but they will want to see evidence that you have made them aware and they have taken no notice.

This is how they continue to get away with it by dealing on the phone.

Once you put something in writing you have started the papertrail.

Yes we know Apex should not have gotten involved-but they will maintain that they were unaware of the situ (As they usually do)....once its made clear to them in writing,they cannot have much defence.

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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