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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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Hi again

 

Last two posts crossed.

 

Here is a good starting point for your research on ppi POC...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?123886-POC-for-PPI-Do-we-have-any

 

As you are going to court have a look at the interest tutorial here...

 

http://www.consumerwiki.co.uk/index.php/Interest_Tutorial

 

Regards

 

ims

 

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Hi again

 

Sorry to keep adding but I knew I had this somehere and it might be useful to you

 

http://www.consumerwiki.co.uk/index.php/PPI:_Particulars_of_Claim

 

Regards

 

ims

 

Holy moley that is hugly detailed!

I am not claiming they pressured me into the ppi but more they just added it to my account without my knowledge so most of that POC is not relevant if any!

I will do my best a writing one up but I am genuinely worried about this now as it looks a bit intense.

I can see why people use those claim it back people now, my bro in law did and got his paid back (less any interest though and 45% to the company).

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Hi

 

Each to his own but I wouldn't want to be paying some company 45% of my money when I could do it myself and keep it all and getter a better interest rate too.

 

To get those rewards you have to put in a bit of work though but it can be worth it in the long run.

 

As far as POC is concerned, the idea of the template is that you tailor it to your needs but do be comprehensive as you want to close them down on wriggle room.

 

Regards

 

ims

Edited by ims21

 

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Excellent.....got there

 

Looks pretty comprehensive to me but make sure your interest calcs are correct and that yo are claiming the correct level that you are happy with and at least at the rate they were charging you on the card.

 

Have you looked at a hogher rate of interest in restitution?

 

You might also need to mention the Limitatios Act and the basis for going back further than six years.

 

Hold fire before doing anything and I am going to ask one of the more legaleise to cast an eye over it as well.

 

Might be a bit slow due to it being a weekend but we will get there.

 

Regards

 

ims

 

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I am not sending anything yet as I want to make sure it is all correct.

I am confident on the various acts etc quoted as I checked and read each one to make sure it was relevant and correct.

The interest still confuses me a little. the compound interest is correct and worked out at the APR for purchases of the card. the 8% bit I do not understand if this is added as just 8% on top of claim total or on a compound basis as well?!? there are a couple of spreadsheets but one is the one I used and the other has credit amount,payment amount and all sorts of other stuff included?

The restitution you mentioned is interesting but sounds very complicated! they cant even send a comprehensive SAR let alone reveal the amount of profit they made on my money!!

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Hi Greg

 

Ims requested I look in on your P.o.C re PPI. Have you drafted that from a template here on Cag?

Have you done a LBA ?

 

Heres some notes and guidance before you finalise your claim.

 

 

The clearest cases of mis-selling are those where customers were soldthe insurance when they had no chance of claiming on it.


  • If you were not employed at the time you took the insurance - whether you were unemployed, self-employed or retired - it will be impossible for you to make a valid insurance claim.
  • If, when you took the insurance, you had a medical problem that could have kept you from working; you should have been warned that the insurance was unlikely to be suitable for you. If it wasn't explained, you can claim.
  • If you were sold a 'single premium' policy - where the whole cost of the loan is paid for up front with money that is also borrowed at the same interest rate as the loan - you should at least be able to get a refund by canceling the PPI. If you canceled or repaid the loan early, but were unable to cancel the PPI, then you can claim for a refund.
  • If the refund you were offered was only a fraction of the cost you paid, you can claim to get a fair refund. If you were able to cancel the insurance, but the loan was redrawn at less favorable rates, you can also claim money back.
  • If the entire cost of the PPI was not explained to you, or if the company only quoted the cost of the loan with the PPI attached, then you can claim.
  • If you were told the insurance was compulsory it is likely you can claim. Lenders can insist that a borrower has PPI, but any company that signs up to the banking code must not insist you take out the insurance with them. It is far cheaper to buy it separately from an independent provider.
  • If other important features of the loan were not explained - for example, the terms for canceling the cover or significant exclusions such as stress and back problems - then you can claim.
  • Most policies have an upper age limit - usually 65 or 70. If you were older than the age limit for your policy when you took the insurance, you can claim.
  • If you were sold your PPI by one of the firms that has already had FSA action taken against it, there is a good chance you can claim. Check the FSA website.
  • If you already had alternative cover that could insure your repayments - such as income protection or an employer illness or redundancy package - but were not asked about this, you could claim.
  • If you bought PPI to cover a long term loan there is a chance that the insurance will run out before the loan is repaid. Most PPI policies will only run for five years, so if your loan term is longer than this the seller should have explained this limitation. If they didn't, you can claim.


  • If you have noticed you are paying for PPI that you didn't know you had there is a chance that it was added without your knowledge, or through an 'opt out' box that you missed. It will be up to the seller to prove you agreed to the insurance, so if you can't remember being asked, you can claim.

Regards

Andy


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I drafted the POC from a template on here modified to my needs.

I have done a LBA which was refused saying I took out PPI on the phone when activating my card. no proof of this was sent in the SAR and I gave them a further 7 days to provide data showing this was true. 7 days is up and I have had no word.

I have a copy of the original application form with PPI required NO ticked and a screen dump from them showing the same on there system.

"If you have noticed you are paying for PPI that you didn't know you had there is a chance that it was added without your knowledge, or through an 'opt out' box that you missed. It will be up to the seller to prove you agreed to the insurance, so if you can't remember being asked, you can claim." best describes my case.

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:!:" I took out PPI on the phone when activating my card."

 

Never heard that one before clever things these telephones:madgrin:

 

Cast iron case then, issue the Claim from your local CC and see how they respond.(if they respond)

 

Regards

 

Andy

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:!:" I took out PPI on the phone when activating my card."

 

Never heard that one before clever things these telephones:madgrin:

 

Cast iron case then, issue the Claim from your local CC and see how they respond.(if they respond)

 

Regards

 

Andy

Quote CAP1

" you later purchased PPI during a telephone conversation on 27 May 2004 when you contacted us to activate your card."

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Quote CAP1

" you later purchased PPI during a telephone conversation on 27 May 2004 when you contacted us to activate your card."

 

But of course you did, we all do, its the first thing on our minds when we ring to activate.:lol:

 

PS they have backed down on all claims i have assisted with and settled.

 

Andy

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Thank you for your input, can you explain the 8% I can add on? do I add it onto the total i.e. total including compound interest is circa £3400 + 8% circa £3600 or do I add in in the same way as the compound interest? ims also mentioned interest in restitution?

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Once you have your figure (premiums paid) using the calculator will work out any compound interest.

You list the 8% within your P.o.C (not in the claim total) this is at the Courts discretion.

 

Once the amount has been calculated you can also add the actual cost of any interest (so that you're put back into the same position you would have been without the insurance) plus the 8% interest a court would give (to compensate for your loss of the money).

The provider should also consider correcting any further losses you have had as a result. For example, any resulting arrears charges or default interest from PPI making them unaffordable. If you have an outstanding debt to the lender they can use the money to pay it off though.

 

Best of luck

 

Andy

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Hi

 

Thanks for dropping in Andy.

 

Greg, ome find the interest in restitution at the higher rate confusing as you will need to rely on the case law of Sempra Metals. Others are happy to stick with the rate that they were charging you compounded and then add the 8% statutory interest on to that which, as Andy says, is at the courts discretion.

 

The attached spreadsheet will do it for you.

 

Enter your payment date, description and amount as usual. (you might be able to copy and paste from your existing spreadsheet.

 

Change the APR rate to the rate they were charging on the card and change your personal details. These are the only cells you need to change.

 

You will see that the compund interest is calculated as is the 8%. In your claim amount you claim the charges plus compound. You mention the 8% stat in your POC as Andy says but do not include the 8% stat in the claim amount on the N1 form.

 

Regards

 

ims

 

CompoundIntPlus8(2).xls

 

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Thank you again for all your help. I take it if it does not go to court I cannot claim the extra 8% then.

Comes out at £4995!!!

I attach this to the POC I assume but as you said only put the amount owed plus compound interest on the POC.

Edited by gregorious77
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Thank you again for all your help. I take it if it does not go to court I cannot claim the extra 8% then.Only on a successful judgment

Comes out at £4995!!! Perfect SCT then

I attach this to the POC I assume but as you said only put the amount owed plus compound interest on the POC.

and the request the 8% within the poc

but dont put it in the claimed amount on the summons.

Andy

 

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