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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,

 

My wife is being chased by AK regarding a 2004 Egg credit card which she was paying instalments in until about 18 months ago when we found this site.

 

We SAR AK and eventuially they sent us a copy of her application (the standard sort of one..) and several unsigned pages of T&C's.

 

I felt that there were the usual bits missing after reserarching here and so ignored it. However she recieved today a letter from Judge & Priestley demanding payment.

 

What does the CG collective recommend?

 

JPletter28thapril2011edited.jpg

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subbing - received exactly the same letter this morning. Exact same circumstances too.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi Ilb & Tink

 

If You haven't already send a CCA request to AK . . http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter. (Enclose £1 PO/Print do not sign your name and send recorded del) . . this will see if they in fact have the appropriate agreement and if no full reply after 12+2 working days the account goes into dispute and collection activity must stop until they comply

 

Also send a copy of the request (No fee though) to J & P so they know what you've done

 

Good luck

 

R

 

ps . . J & P say you can pay by Credit Card which goes against OFT Guidelines as they should not encourage extending borrowing to pay debts

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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send them this,

 

Dear Sirs

 

I refer to your letter of XXXXX 2008, the content of which is noted. No debt to your client is acknowledged.

 

On (date) I made a formal request to your client pursuant to s.78(1) of the Consumer Credit Act 1974. They have failed to comply within the statutory time limit, or at all. It should not be necessary to have to remind solicitors that the provisions of s.78(6) now apply.

 

In the circumstances, your/your clients threat of legal action would appear to be a breach of the Consumer Protection From Unfair Tradinglink3.gif Regulations 2008 and the Office of Fair Trading Guidance on debt collectionlink3.gif. Should you or your client bring proceedings, they will be robustly defended, and the Court's attention drawn to the above statutory breaches . Furthermore, I reserve the right to bring the conduct of your client to the Court when the issue of costs is being considered.

 

Note: The lack of a valid consumer credit agreement is a complete defense in court.

 

If there is any further letters from you attempting to collect this disputed account, you will be charged a admin fee of £25 and reported to the Solicitors Regulation Authority.

 

Yours faithfully

 

Print name do not sign.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Ilikebanks,

What did you actually receive in response to your previous SAR - I received a signed cca with APPROVED stamped on it and 21 pages of terms and conditions. The agreement does not contain the credit limit. I dont know whether the "so called agreement" is enforceable in itself because I am not sure what it should contain.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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@TIINK

 

It should contain prescribed terms, credit limit being one of them along with apr etc.

 

Can you post it up on here using photo bucket minus your personal details.

 

@ILIKEBANKS

 

Send SAR to AK

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Who would I send a SAR to, the solicitor or AK?

 

 

Why do you want to send another SAR ???

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Who would I send a SAR to, the solicitor or AK?

 

Also send CCA to AK if you haven't already done so. But to be honest you should not need to send a SAR to AK as all you need if the credit agreement from them for now. a sar is something you generally send to the original creditor not a DCA or Solicitor.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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teaboy,

Sorry I cant post agreement as I dont have a scanner, would the letter above apply to me as well? There is definitely no credit limit on the agreement though but apr is.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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I have'nt sent a SAR to them yet.

 

 

I'm confused as this is from your first post . .

 

" We SARlink3.gif AK and eventuially they sent us a copy of her application (the standard sort of one..) and several unsigned pages of T&C's. "

 

If you didn't send a SAR request what did you send to get the info they sent back

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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teaboy,

Sorry I cant post agreement as I dont have a scanner, would the letter above apply to me as well? There is definitely no credit limit on the agreement though but apr is.

 

If any of the following are missing then the agreement is not in the prescribed form and as such unenforceable meaning the letter i suggest above applies to you.

 

The prescribed terms specified in Sch 6 are as follows:

  • amount of credit – see Q8.

 

  • credit limit – see Q8.5 Which you said was missing

  • rate of interestlink3.gif – see Q8.6
  • repayments – see Q8.9.
  • Also terms and conditions must be contained within the same 4 corners of the same piece of paper, front or back. If on the back they must be a reference to the terms and conditions being overleaf on the front.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Thanks teaboy, letter going out in the post tomorrow morning, no credit limit, no repayments and terms and conditions on 21 additional a4 pages

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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  • 2 weeks later...

Well I got the usual stuff back from AK after the request under the CCA.

 

Copyofeggagreementpage1.jpg

Copyofeggp2.jpg

 

I also got back the current t&c's running to 7 A4 pages and 23 different headings.

There were also some earlier t&c's runnint to just 2 pages and 19 headings. There were no signautures or dates on either sets of terms and conditions.

 

An interesting point is that on the application and the older t&c's, at the top of the page is a web address (www.egg.com/banking/investing/insuring)

 

I presume this means that they are held on a microfiche and therefore are copies. That web address does not work today either.

 

I have read the CPUTR thread, but wonder if there is a template I could send, given the info above?

Edited by Ilike banks
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That all ak sent, signature looks part of egg agreement wheres the other part?? as for t&c they need to be when the card was first taken not the current. They chancing their arm here has this got any ppi on?

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  • 3 weeks later...

Well hooray! Just got a similar CC claim form today.

 

I am pretty certain they are out of order as I don't think the paperwork is correct. All I have received is about a ream of statements, a copy of the signed agreement and some undated and unsigned terms and conditions.

 

However, is a deficient agreement still enough to win - there seems to be some feeling on CAG that judges are finding in favour of the claimant anyway.

 

Here's both pages again.

 

eggagreementpage1.jpg

 

 

 

Copyofeggagreementpage1.jpg

 

eggp2.jpg

Edited by Ilike banks
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Well hooray! Just got a similar CC claim form today.

 

I am pretty certain they are out of order as I don't think the paperwork is correct. All I have received is about a ream of statements, a copy of the signed agreement and some undated and unsigned terms and conditions.

 

However, is a deficient agreement still enough to win - there seems to be some feeling on CAG that judges are finding in favour of the claimant anyway.

 

Here's both pages again.

 

eggagreementpage1.jpg

 

 

 

Copyofeggagreementpage1.jpg

 

eggp2.jpg

 

Am I too late to ask them if they have the original document under CPUTR 2008? I guess I need to sort out a defence to this issue PDQ, so any help would be gratefully recieved.

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will without anything on those documents referring to any terms and conditions overleaf (T & C's must be within the same 4 corners of the same document), then i would say its unenforceable. Problem is will they produce the original in court with the terms on the back which would then be enforceable. If the conditions were on a seperate document then they may well be screwed.

 

Who owns the debt, have you ever had a notice of assignment? Default notice?

 

@Tink

 

I sent you the pm with my fax number it over the weekend, did you get it?

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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They have sent me some terms and conditions which run to 4 pages and are separate to the 2 page agreement above. There is no cross referencing. This mess was previously in the hands of two other well known agencies dating from 2008. I have previously sent both of those agencies 'account in dispute' letters after receipt from them of non compliant agreements.

 

At one point I have received a blank version of the docs above, with page one and two being on the same piece of paper. I am fairly sure all the files are stored on a computer hard drive somewhere judging by the network address on the top of the page. Also, the terms and conditions I received at one point were in the form of pc screenshots.

 

 

I have never received a notice of assignment from anyone, which I understand have to be sent, according to the 1925 property Act, by recorded delivery.

 

Not sure about a default notice I'm afraid.

 

And nope, didn't get a fax number in my pm box either. :)

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The Fax number was ment for TINK as he/she doesn't have a scanner so i offered to scan them up for them if they can fax them to me.

 

Sounds to me as if you have evidence of many different documents that were supposedly the agreement, so you may have prove that the docs are fabrications, as if they have the original then we produce so many different documents not resembling each other.

 

Yes if Egg have sold the account to the DCA then they must issue you a default notice under section 87 of the CCA, selling an account and failing to issue a default is inlawful rescission which prevents the debt being enforced in court. Do not mention this till we know for certain you have not received a default notice and that the account has definitely been sold.

 

And yes you should have received a notice of assignment confirming the debt was sold

 

Best thing would be the SAR Egg to find out if it has been sold and if default notice was issued.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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If you have received a claim form, then you need to decide if you are going to defend the claim and and on what grounds. It is extremely difficult to defend claims on the grounds of unenforceability nowadays. So you will need to challenge the standing of the claimant, especially if you havent received a Notice of Assignment, and yes you are correct, it should have been sent to you by recorded delivery post.

 

You can request any documents mentioned in the claim via CPR31.14.. you will find a draft letter in the first post of the link below. Read it carefully and amend where necessary.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage

 

Please be aware you need to keep on top of your timing..

 

Date of issue of claim form - top right hand side under claim number.. add 5 days to that to allow for receipt. You then get a further 14 days to acknowledge the claim form and advise whetehr you are going to defend or not. If you are then you will receive a further 14 days.

 

If you can let us know what it says exactly on the claim form .. the particulars of claim.. then we can help further.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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