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    • god where ever did you find all that twaddle rabbit hole stuff to go down .... no wonder you came here...we don't allow nor portray twaddle , neither lead people doen rabbit holes that then cost them money by sending PM's offering help of anything upto £360 for even a failed CCJ defence...   anyway enough of that BS. lets get you moving in the right direct , you should be ok as CEL are always losers if you do things correctly   can you fill this out please:   Received a Court Claim From A Private parking Speculative invoice?? - How To Deal With It HERE***Updated Aug 2016*** - Private Land Parking Enforcement - Consumer Action Group
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    • Hi All, I have received a parking ticket as RK (thats registered keeper right?) for overstaying by 16 mins in a well known wholesalers car park in Liverpool. I read some very confusing (and sometimes contradictory information on several sites) on how to deal with this. I followed the instructions to firstly challenge the validity of their claim. I wrote to them (no response) and emailed them. I had to guess at the email address because they provide only the registered office address or a 'claim line', which if i had contacted them on that, would have been agreeing to their idea of us having a contract in the first place (right?). i eventually got the admin email and sent it there, stating that i had already written to them with no response. I got a response saying that they do not respond to correspondence at that address and i should either write to them (already did) or contact via the appeals line or appeals email (again with the acknowledgement that its an appeal i need, rather than straight up confirmation). I asked in at the wholesalers customer/ member services in store about the car park ownership and they informed me it was a consistent problem and they didnt know the owner. I have contacted the head office in Herts for the information. (Customer services/ member services/ online services & complaints) for the information regarding ownership of carpark and the contract of agreement between them and the CE parking management with no luck. I received no further correspondence and therefore assumed that they had dropped their spurious claims. They acknowledged my letter with: "Response from representation team -  We refer to your recent correspondence. We accept for you to pay the original reduced sum of £100. The Parking Charge Notice has been passed to a debt recovery agency. All further enquiries, including payments, must be directed to them. Please follow the instruction on the correspondence you have received." I received nothing else until I receive a Northampton county court business service court claim. The amount is now in the hundreds (£274). I have acknowledged and sent back the form with nothing else written on it. now i have another week or so to mount my defence. I dont know anyone who speaks 'legalese' and frankly its giving me sleepless nights. Incidentally, at the time of the alleged 'contravention' there was a bout of sudden severe weather which was 'waited out' inside the wholesalers porch by several members and their children because the soft furnishings and electricals (for example) bought in store would have been destroyed by the downpour. Further investigation into the owner of the Civil Enforcement ltd has shown me that they are owned by CCP parking, who are in turn owned by Qa Nominees and are owned by people exposed in the Panama Papers scandal.   I am feeling like im a tiny part of a very big scam here, one that DVLA are profiting from. Under advisement, I have written a complaint to the wholesalers complaining about being treated so shoddily as a member. Under advisement, I have also written to CE ltd requesting a Subject Access Request. But I really dont understand the process or what steps to take now.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Help with County Court Claim Form


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Hi,

 

I have been conversing with Equifax over the last month regarding 6 defaults inaccurately placed on my credit file.

 

I have opened investigation with equifax, they have sent of to the companies to clarify that the data is correct, and on every occasion the reply (WITHOUT PROOF) from each company is ''The Data is correct please leave on file''

 

I asked equifax for proof of the signed agreement they should have received from the companies, default notices they should have received and proof I consented to having my data shared/processed.

 

I read somewhere that the CRA's need to make sure the data being passed to them by the companies are correct, and just receiving assurances that it is correct is not good enough.

 

I have told equifax that i am going to my local court on Monday 12:01pm if they have not removed the defaults by lunch time, to issue claims for each default to obtain an order to remove them.

 

I am not bothered about opening 6 different Claims in the small claims court, as I am on low income so am entitled to help with costs.

 

Question 1.

 

Should I start 6 seperate claims, or 1 covering them all.

 

Question 2.

 

Should I start 6 seperate for each CRA totalling 18 claims, or

 

3 Seperate claims one each for each CRA covering all defaults or

 

1 claim in total for all defaults with all cra's.

 

Question 3.

 

I have never started a claim in the small claims court before, would somebody mind running me through what I should do, and what I should put on the forms, as the forms I have looked at seem to all require me to put a figure in money down for how much I am claiming, when In fact i am after an order for the CRA to remove data.

 

 

Thanks in advance.

Edited by thepalace1
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I, unlike some others in this forum, actually think that your beef is with your creditors inaccurately reporting data to the CRA, rather than the CRA themselves.

 

the problem with suing the CRA is that you will automatically have to include the creditor, as the original data controller, as 2nd defendant. This could make your claims more complex and would certainly have an affect on costs, should you go on and lose, as you'll be funding 2x costs. (1 for each defendant)

 

I think the best approach, here, is to start a new thread on each creditor and outline the details of how you got here with each. It's no mean feat taking on this number of defaults at once, (I should know, I did about 9 all at once, so check out threads started by me)

 

HTH

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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I, unlike some others in this forum, actually think that your beef is with your creditors inaccurately reporting data to the CRA, rather than the CRA themselves.

 

the problem with suing the CRA is that you will automatically have to include the creditor, as the original data controller, as 2nd defendant. This could make your claims more complex and would certainly have an affect on costs, should you go on and lose, as you'll be funding 2x costs. (1 for each defendant)

 

I think the best approach, here, is to start a new thread on each creditor and outline the details of how you got here with each. It's no mean feat taking on this number of defaults at once, (I should know, I did about 9 all at once, so check out threads started by me)

 

HTH

 

Thanks car, infact last night I was thinking along those lines exactly, and have decided to focus on the companies originally placing the default on the file, I will certainly take you up on your offer and check out your threads, I will do a little work creating a file on each company (off to Tesco to buy several ring binders) and sort everything out then I will hit one at a time with individual threads, thanks very much

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Thanks car, infact last night I was thinking along those lines exactly, and have decided to focus on the companies originally placing the default on the file, I will certainly take you up on your offer and check out your threads, I will do a little work creating a file on each company (off to Tesco to buy several ring binders) and sort everything out then I will hit one at a time with individual threads, thanks very much

 

Good stuff! It's the getting organised like this before you embark on it that will set you apart from your opponents.

 

Once you've started your new threads, put a link to them all here and we can sub to them to offer some help.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Good stuff! It's the getting organised like this before you embark on it that will set you apart from your opponents.

 

Once you've started your new threads, put a link to them all here and we can sub to them to offer some help.

 

 

I have started thread 1 regarding Lowell Portfolio, they have 2 defaults against me this thread is regarding default 1 of 2

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296453-thepalace1-v-s-Lowel-Portfolio-Default-1-of-2&p=3317330#post3317330

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