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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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MKRR chasing settled welcome finance debt


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start a new thread

 

see below

 

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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cra files dont show agreements

 

what are talking about?

 

from the history Welcome wrote the debt off against tax in 2008.

and sold it on a phishing list.

 

MKRR brought it in 2011.

 

yes

 

 

Sorry haven't posted in a whiles...

. Terrible family problems........

 

Ok so further update....

 

... I received a letter in July 2012 from MKRR (who supposedly purchased the debt from WFS)

stating they are investigating my dispute (originally disputed in 2010) and they are going to contact wf and will come back to me no later than 15 August 2012,

 

today is 26 August 2012 and yup u guessed it....

.. Nothing...

... Do I contact them and say the matter is closed????

 

Also I checked my credit file and MKRR have updated my credit report (20 aug 12) stating that I defaulted with them in 2010, is this correct..

 

. They didn't serve me any papers and surely if I would of defaulted with anyone it would have been WFS and they should of updated my credit report.

 

I'm soooooo confused

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can i clarify things please:

 

this 'debt' only shows ONCE on your cra file

MKRR are just updating the old wfs entry yes?

 

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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no such thing as default satisfied.

 

it cant have both WFS & MKRR listed either.

 

can you scan up the page?

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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Share on other sites

Can't scan anything at the moment unfortunately.....

... I'll try and explain better til I can.....

 

. the credit agreement with WFS shows as satisfied in 2009,

they updated this according to my file also in 2009.

WFS never registered any default with me.

 

MKRR then "bought" the debt in 2010 (no papers to confirm this, which I've requested)

and have registered a new entry on my credit file August 2012 stating the account was defaulted in 2010.

 

Hopefully will be able to scan docs up tomorrow

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you cant have two OWNERS named for the same account on a cra file.

so thats not what it says.

 

either WFS own it or MKRR do. they cant both.

 

i would suspect WFS defaulted it before they sold it.

 

MKRR would then have their name against it all.

 

why can you not use a mobile phone or digi cam?

 

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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Share on other sites

all that shows is is 'someone'

defaulted the account in 02/01/10

 

 

and that MKDP LLP own the debt.

 

wheres the eveident about welcome had settled before.

 

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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Share on other sites

  • 3 weeks later...

Settled agreement 09 is the first entry om ,y credit report which showed the matter as settled, then when MKRR bought the debt in 2010 a further entry was placed on my credit file (agreement10).

 

I queried this with MKRR and they said they would investigate, see pdf letter, the timeframe has now passed for them to respond, im not sure what my next step is

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can we have the full file

page 2 shows other relevent entries.at the bottom.

 

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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Share on other sites

Without wishing to sound like a broken record - have you made a formal CCA request - which will not only give you the answers to your questions, but if they fail to respond with the correct information, you are then protected by the fact that a court can not enforce the debt untill they do.

 

I did do that... and their reply was the uploaded document titled letter

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can we have all the agreement

 

and all the CRA file

 

on page no 2 the PDF in post 35

 

at the botton it shows another MKRR record.

 

we need to see ALL the entries relating to welcome/MKRR

 

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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Share on other sites

ok so to compile things the cra file states:

 

19/04/06 HP Loan - £229*49=£11,221 settled 02/02/09 Welcome

31/10/08 Loan - Defaulted 02/01/10 £6,609 - bal £5624 20/08/12 - MKDP

23/02/09 HP Loan - £121*64=£7744 settled 05/03/10 Welcome

23/02/09 HP loan - Query 20/08/12 Bal £7410. MKDP

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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Share on other sites

in conclusion:

 

you need to complain to the cra's

 

the last 2 entries are for the same debt

 

it should not be listed twice.

 

mkdp shout all they like that you owe money

 

they have NO AGREEMENT, no proof of payments or not.

 

ignore them you owe now to no-one.

 

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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Share on other sites

in conclusion:

 

you need to complain to the cra's

 

the last 2 entries are for the same debt

 

it should not be listed twice.

 

mkdp shout all they like that you owe money

 

they have NO AGREEMENT, no proof of payments or not.

 

ignore them you owe now to no-one.

 

dx

 

Hi there

 

Was having problems for a while posting replies, dont kno what happened.

 

I have put in a complaint to the CRA re the double entries, but then to top it all I receive a call from MKRR today from a patronising lady named Amanda demanding i set up a payment plan with them for the outstanding amount of £7k.

 

The advisor also went on to say that they have sent a letter out today with copies of what i requested in my SAR, the documents they were supposed to send by no later than August 2012. Then I received a further call from an advisor named Abi who states that the letter generated today is a standard automated letter demanding payment.

 

They are doing my head in..

 

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STOP TALKING ON THE PHONE.

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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Share on other sites

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