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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
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taken to court by CPS parking. now bailiff has visited


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my neighbour received a private parking ticket from cps parking for parking in telford,

done what he thought was right and ignore ignore and more ignoring nasty letters.

 

yesterday while cutting his lawn a court bailiff walked into the garden and introduced himself and produced a warrant of execution.

 

my mate denied he knew anything about it. the bailiff called cps parking who give him the offending cars reg. which was parked on the drive.

he protested that he has not received any court papers. bailiff said if my mate had an issue he should take legal advice.

 

my mate asked him to leave and he said he was going to levy on goods. a quick call to the police who confirmed they would not attend because he court bailiff had a warrant which give him the right to attend.

 

ok bailiff says he will not levy on the car because its financed. but levied on a sit on lawn mower worth around £1500. debt is £300.

bailiff entered garden via open gate.

 

my mate refused to sign the levy. but bailiff started to call removal truck. so he signed the levy

 

bailiff has said he now has 14 days to lodge with the court an N244 or n245 or pay in full

 

he thinks hes gonna have to pay.

 

any ideas

 

http://i1176.photobucket.com/albums/...lose/121-1.jpg

:???: what me. never heard of you never had a debt with you.
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get it set aside as he knew nowt about the CCJ to be able to defend it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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He needs to ring the Court ASAP and find out when this was obtained and what address all docs have gone to. Has he by any chance moved house and left his vehicle registered at the old address. They will have obtained Judgment by Default and as DX says there is a good chance he can apply for Set Aside - Form N244.

 

PT

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http://s1176.photobucket.com/albums/x325/queensclose/?action=view&current=121-1.jpg

 

he phoned the court earlier. it was issued at northampton county court.

it was a judgement by default. its a private land he parked on.

 

the clerk said he can try to have it set aside at a cost of £70 . if he didn't receive the court papers but it will just go back to square one and the parking company could still pursue him adding extra costs.

 

just talking to him now. i think he just pay it.

:???: what me. never heard of you never had a debt with you.
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The CPS parking trolls will be boasting about this one on MSE and pepipoo imho, as if it is a Private Invoice they would be hoping for a default, as they tend to lose defended cases, due to imposition of a private penalty bears no relation to the actual contractural loss which can be a fat Zero quid. If it is a private "ticket/invoice" it will be nothing whatsoever to do with TEC imho,

Edited by brassnecked

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Might be worth OP revisiting if bailiff becomes naughty and if there really has been no prior warning of action, and it is a default for a PPC the set aside may well be a good move, as at least it removes the bailiff out of the equation for the present.

We could do with some help from you.

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update

 

something has come to light and he will be going to court tomorrow to set this aside.

 

we have been advised not to post anything until its set aside because cps parking monitors the forum and is known to prepare their case from comments left

 

many thanks

 

i think cps parking has just lost another case

:???: what me. never heard of you never had a debt with you.
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If you are going to file for Set Aside which is done on Form N244, you should also apply to suspend the Warrant the Bailiff has - Form N245. Applying for Set Aside alone does not prevent enforcement continuing. Also the application has to be made to the Court where the original Judgment was made.

 

PT

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they didnt win this one anyhow

 

all they did as with all the others is BE DECIEPTFUL

 

and get it in by the backdoor under false pretences

 

get it set aside

then contest it in court if they ever try again.

 

i have heard it said that there was a very recent case that they got default judgement whereby they

somehow preventad all paperwork getting to the OP

 

i wonder

 

QC can you PM me the reason please

 

there is something very fishy here

as thats a warrant

which means the case was ages ago.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes the ppcs are being naughty at present, as they KNOW that their invoices are largely unenforceable as penalties for breach of an implied contract, and like to go the default route if they can.

 

So as per PT go for set aside and suspension of warrant to get rid of the bailiff, and post back AFTER things are sorted.

We could do with some help from you.

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queensclose Can you keep us updated as to your progress.

 

Private parking tickets is something I know little about. Can anyone point me to the legislation that sets procedures and enforcement regulations for parking tickets issued by private companies.

Professional property investor and conveyancer

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queensclose Can you keep us updated as to your progress.

 

Private parking tickets is something I know little about. Can anyone point me to the legislation that sets procedures and enforcement regulations for parking tickets issued by private companies.

 

They are governed by the law of contract, and seek to impose a penalty for breach, which as the consequential loss for said breach is potentially zilch, or pennies, ie parking for 3 hours £1 consequential loss for 10 minute overstay is 20p so the "penalty" is excessive and is largely unenforceable in the small claims track they would use. Any wins by a ppc tend to be by default. The whole thing is regarded as a big sc*m on many forums, I would advise a visit to pepipoo, and the MSE parking forums to see what shenanigans the likes of CPS, Excel, Parking Eye and others get up to. they even try to bind the RK into the "contract" when they aren't the driver and threaten Norwich Pharmacal orders to force the RK to give them driver details, as there is no duty to do so for an invoice, and such an order is overkill for a dodgy penalty that may not be enforceable in law anyway.

 

By parking in an area the driver is assumed by the ppc to have agreed to a contract in small print often on signs around 8 feet off the ground and which may be obscure, that obliges them to pay a penalty of £80 for an overstay if the limit is 2 hours, and Tesco use ppcs, and ASDA actually get a share of the penalties if the punter pays up.

Edited by brassnecked

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Hang on a sec, (sorry OP to hijack).

 

Do you mean a private company asks you to pay and enforces tickets under the Civil procedure Rules? a 20p overstay is an actual loss for amounting a claim for £100 in the small track?

 

A defence could be Schedule 2(1)(e) of the The Unfair Terms in Consumer Contracts Regulations 1999. Worse still, fraud by falsely representing the claimants true estimate of his costs - difficult since solicitors fees are not recoverable in the small track.

 

Do these parking companies actually file a claim for unpaid tickets? its a very expensive way to go about it, and CCJ bailiffs have very little power recover the money - the claimant pays the £40 bailiffs fee.

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Hang on a sec, (sorry OP to hijack).

 

Do you mean a private company asks you to pay and enforces tickets under the Civil procedure Rules? a 20p overstay is an actual loss for amounting a claim for £100 in the small track?

 

A defence could be Schedule 2(1)(e) of the The Unfair Terms in Consumer Contracts Regulations 1999. Worse still, fraud by falsely representing the claimants true estimate of his costs - difficult since solicitors fees are not recoverable in the small track.

 

Do these parking companies actually file a claim for unpaid tickets? its a very expensive way to go about it, and CCJ bailiffs have very little power recover the money - the claimant pays the £40 bailiffs fee.

 

That's about it, they rely on fear and a string of ever more threatening letters like a DCA, and usually will go away, when ignored because they rarely do court because they know they will likely lose, so they sometimes take someone to court hoping the defendant won't reply and they get a default judgment. MSE, pepipoo and the parking forums here on CAG are full of examples of PPC tricks.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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[QUOTE=dx100uk;3478870]they didnt win this one anyhow

 

all they did as with all the others is BE DECIEPTFUL

 

and get it in by the backdoor under false pretences

 

get it set aside

then contest it in court if they ever try again.

 

i have heard it said that there was a very recent case that they got default judgement whereby they

somehow preventad all paperwork getting to the OP

 

 

DX an excellent response !!

 

.

The matter of private parking tickets is VERY serious indeed.

 

A tremendous amount of publicity has been generated through the motoring forum here on CAG, Pepipoo, MSE etc concerning the matter of clamping on private ground and with pressure also from the likes of the AA & RAC, this has led to the Home Office Minister; Lynn Featherstone introducing into the forthcoming Protection of Freedom Bill a ban on clamping and vehicle removal on private ground.

This is brilliant news for all those who have campaigned BUT unfortunately, in the forthcoming bill, the Minister is introducing a clause whereby private parking tickets will becoming the responsibility of the VEHICLE OWNER as opposed to the current position whereby the vehicle DRIVER can be found to be liable.

 

Furthermore, the vehicle's keeper will have to identify the driver responsible for parking offences and if he refuses to identify the driver, he will be held responsible.

 

It is of course feared that “rouge clampers” will simply move into the role of “rouge ticketing” and there will be NO regulation of car ticketing.

 

The Minster has done an excellent job in banning clamping on private ground but introducing the requirement for the vehicle owner to be responsible is seriously flawed.

 

The Protection of Freedom Bill will have to go before the House of Lords for scrutiny and the Lords can be lobbied to insist on changes to the regulations.

 

Norman Baker; Minister for Transport is the person responsible for implementing the keeper liability regulations.

 

All private parking companies are supposed to abide by the British Parking Associations Code of Practice.

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update

took my neighbour to the county court this morning. filled in the n244

setting it aside because.

deft was out of the country on the date the ticket was issued ( holiday in malta. copies of the booking submitted)

defts two sons are insured to drive the car and have permission to use the car ( both deny that they used the car that day) copy of insurance details submitted

deft received no court papers prior to the visit ( did receive a bailiffs letter giving 48 hrs notice but thought it was not real as he had not received any court papers)

 

clerk informed a copy of the n244 will first go to the claimant to see if they want to submit a defence. if not the case will be struck out

clerk said we dont need to fill in an n245 because thats only if you agree you owe the money but want to pay in instalments

didnt even have to pay the fee (qualifying benefit)

clerk informed bailiff while we were there and he came to the counter and thanked us for sorting it out

 

more or less i think this is the end of the matter

 

thanks for the support my neighbour spent most of the night going through this forum and looking at other people who have had the similar issues and finally got my laptop back this morning

:???: what me. never heard of you never had a debt with you.
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