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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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Hello bello217!

 

Welcome to CAG!

 

I wonder if PT257 could confirm the details of the case that is due to be heard in Cardiff and when

 

I may have missed a Post. Which case are you referring to? If you can link to when this was mentioned, or copy up the details from further back in this Thread, that would be helpful.

 

Cheers,

BRW

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thanks Magda

 

Have just put post on that thread, must admit I am struggling to find my way around this site a bit as the threads are not easy to follow

 

You'll soon get the hang of it, mind you, I often get confused, and I've been on here for a while now:)

 

Magda

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

You need to post on here a copy (with blanked out personal info) which I am sure one of the site team will then advise if it is enforcable. Have you had DN and or termination and has anyone yet checked whether they are properly issued?

G

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

 

Consumer Credit Agreement(Cancellation Notices and Copies of documents) Regulations 1983

Allow for the omission of certain prescribed terms in a copy...signature being one of them.

 

However as Gallahad said post up your application form/agreement minus personal info...

 

Next step will be to inspect it as to form and Content

 

I am sure just to reiterate that a site team member more experienced in these matters will be on hand to help you

 

However you have said that it is an application form...it is important therefore to see that it does NOT contain certain prescribed terms as to FORM as well as content...such as ''this is a fixed sum loan regulated by the Consumer Credit Act 1974''

 

It should also contain the appropriate cancellation notices depending on the type and nature of your agreement including the circumstances leading up to concluding the agreement such as where the negotiations and the signing took place.

and....''sign this only if you want to be legally bound by it'' or words to that effect

 

It may after all be a mere application form truly unconnected with the other documents that they sent you or have not sent you as the case may be

 

rgds

 

m2ae:)

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

gosborne

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

Did you tell them on phone you had received no letter?

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

MDR = Moorcroft Debt Recovery

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gr osborne, has started a new thread and is getting advice.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

Might be NDR rather than MDR - Nationwide Debt Recovery.

 

Ignore them until you get something in writing, if they phone again ask them for a copy.

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

You have posted very little information so it is difficult to give opinions but I will try.

 

If your friend is facing a charging order on friday I would imagine that the case has already been to court and a judgement issued previously. I would also imagine that they have been ordered to pay the debt and have failed to do so.

 

It would therefore not be a good idea to try and dispute the debt at this stage as it should have been done prior to the original hearing.

 

If this is anywhere near the facts then the best option would be for them to go to court with an income and expenditure statement and make an offer to pay reasonable monthly payments which are affordable. They should request that they are given chance to make these payments and explain to the court that this resulted from an unsecured debt which was never intended to be secured on property.

 

They should also explain that they now have reason to believe that there may have been reasons to defend the original case but they did not have the knowledge to do so at the time and realise it is not the time and place to do so now. However, to grant a charging order to such a large institution against the family home, at a time when the government are looking into restricting such orders, will cause stress and uncertainty to the family and an order to make monthly payments would appear to be a much fairer solution.

 

As it is friday it would make more sense to look for supporting information on the points I have mentioned and the prevention of charging orders rather than the validity of the agreement which will probably not concern the court.

 

Just my opinion and if the facts are not like that I have just wasted my time. Never mind.

 

Pedross

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Good morning, hope someone can help.

 

I am in the process of trying to get a cca from mbna (August 2009) and to date have not received anything. They have rang me this week saying that if I don't pay they will sell the debt to someone else. My questions are:-

 

1. If they sell the debt, does this company still have to get the cca.

2. I am thinking of talking to mbna and get the debt reduced and pay them something on a monthly basis, has anyone else done this.

3.It seems that even if they don't have the correct terms in the cca, they can still win, is this so.

4.My credit card has been with mbna for 10 years, what is the likely hood they have it and if they don't does this make a differance when going to court, compared to them going to court with a signed one but the terms are wrong.

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Good morning, hope someone can help.

 

I am in the process of trying to get a cca from mbna (August 2009) and to date have not received anything. They have rang me this week saying that if I don't pay they will sell the debt to someone else. My questions are:-

 

1. If they sell the debt, does this company still have to get the cca. Yes

2. I am thinking of talking to mbna and get the debt reduced and pay them something on a monthly basis, has anyone else done this. It's certainly possible, but don't do it over the phone. There are plenty of budget sheets available to help you work out what you can reasonably afford.

3.It seems that even if they don't have the correct terms in the cca, they can still win, is this so. It does seem to heavily depend on the judge, and what they actually come up with. I would never suggest taking a creditor to court, but if they issue against you, you can defend on the basis of an unenforceable agreement.

4.My credit card has been with mbna for 10 years, what is the likely hood they have it and if they don't does this make a differance when going to court, compared to them going to court with a signed one but the terms are wrong. They may or may not have the agreement, it's luck of the draw, but if they do have it, why haven't they sent it to you yet?No agreement at all should put you in a stronger position than missing prescribed terms, for example, but there are never any guarantees.

 

Hope this helps. If you need more advice, it would be better to start your own thread.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Thanks for your reply reallymadwoman. I might try and see if they will take a reduced amount and do it 0%, if they have not got the cca then this would put me in a stronger position. Does anybody know if there is a thread for settling for a reduced amount, there are so many threads and replies sometimes it is like looking for a needle in a haystack?

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I agree with DD ( I usually do -because he's a clever grandpa like me!).

 

I was offerred a 35% F&F deal on 2 cards I had with MBNA and 2 with A&L (also owned by MBNA). I settled a total of over £35k card debt for just over £11k - BUT I have since read that MBNA had shredded a lot of cca's in 2005/2006 - so I could have saved that £11k too!

 

As DD says, the chances are that, if they are selling the debt, they don't have an enforceable cca. Also they will need to give you a Notice of Assignment if they sell - and this should come by recorded delivery but rarely does - so another possible future loop hole (along with a dodgy DN) for you if you play a waiting game right now.

 

Also remember the reconstruction applies to S 78 - not to the enforceability of the debt where I believe you can still insist on the original signed cca being shown before the judge can order payment.

 

In short - do nothing until you know more about the cca other than go down the cca route, account in dispute etc.etc. This may get them to move on issuing a DN and then a TN - and they may be dodgy so limiting your liability to arrears at time of DN.

 

Hope this helps!

 

BD

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