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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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L-TSB... Wescot... numerous other DCAs... and now Iqor!


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We had an agreement with Wescot...

made two payments and then they passed it on to another DCA...

who passed it on again...

wrote and complained to L-TSB;

asking how they expected someone to stick to a payment agreement if they kept selling the debt on...

 

 

they ignored us - twice!

 

 

Now the debt has moved on to Iqor.

.. who sent a threatogram

... not really bothered by it,

 

 

but after reading your article http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

 

can we use this?

 

Thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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I doubt it has had any thing to do with LtTSB

for a while.

Have you checked on your credit files

to see who owns the debt??

When was was the last payment or

acknowledgment of this debt??

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I would say yes, if you have been attempting to maintain the payments and you keep having to change the payee.

 

Perhaps in the first instance you should start with an official complaint to LTSB, stating the situation as clearly as possible.

 

I am assuming that the account is just being passed on for collection and that no assignment has taken place - eg the selling of the account to a new owner.

 

You MUST ensure that they are aware you are making an official complaint because they are bound to comply within a timescale, whereas a letter not identified as such will be treated as a general enquiry and there is no time scale for those.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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Check the credit files asap it will get nowhere

until we know who owns this debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thanks - I will check the credit files... the two payments were made (I think without crawling through the filing) last year... tried to make a third and Wescot told us that they were no longer responsible for the debt and to wait until we heard from X...

 

Feel like a performing seal with all the hoops we have to jump through!

 

Thanks again!

 

Hi; the account is still owned by L-TSB - so I wrote Iqor the same letter I wrote to three other DCA's "I wrote an official letter of complaint to your client on xx/xx/xxxx, they have received it, so until they treat me with some respect I won't be discussing this with you or anyone else" The letter of complaint was sent twice in 2010 and received twice... and yet the silence is deafening!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 3 weeks later...

Well, reciprocate the banks lazy attitude and ignore them.

In the meantime, get making as many complaints about LTSB and their corrupt practices and that of using deadbeat third party numpties to all you can think of.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi; the account is still owned by L-TSB - so I wrote Iqor the same letter I wrote to three other DCA's "I wrote an official letter of complaint to your client on xx/xx/xxxx, they have received it, so until they treat me with some respect I won't be discussing this with you or anyone else" The letter of complaint was sent twice in 2010 and received twice... and yet the silence is deafening!

 

 

If you identified the letter as an official complaint, they have 8 weeks to respond. If they dont then you can use their silence (and the proof of receipts) as a final response from them and take your complaint to the the Financial Ombudsman :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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Hi and thanks for all of the advice. We have now had a "You have failed to pay this overdue amount, if it is not at our office within seven days of this letter then we MAY obtain a county court judgement against you, send baliffs in for your goods, intercept your wages, sacrifice your firstborn etc etc..."

 

We have had zero response to our letter to L-TSB, and it seems as if the Iqor amoebas (sorry amoebas) cannot read... must get on with contacting the FO...

 

Do I write to Iqor and tell them that I have contacted the FO... what is the likelyhood of this threat-a-gram coming to fruition?

 

Have just referred it to the FO... BRING IT ON!!!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No, you dont have to let Iqor know.. however, it sometimes works to see them off.. just send them a copy of your FOS complaint.. send it 2nd class post with a free proof of posting obtained from the Post office and keep the PoP with your correspondence..

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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  • 7 months later...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 4 weeks later...

Hi; we appealed and we got shot down again... so later on today I will be sending them this:

 

I am in receipt of your letter dated the 26th October 2012 and, to be perfectly honest, I am not disappointed at your decision, but I am more than a little stunned at how you reached that conclusion.

 

An agreement was reached with Wescot Credit Services Limited on the 31st March 2010. As I have stated on previous occasions; they requested payment on a date when it wasn’t physically possible; and so the first payment was made on the 20th May 2010.

 

 

We then received a letter from Debt Managers on the 24th May 2010 stating that they now held the rights to collect on the debt.

After numerous and somewhat threatening communications from them I wrote to them informing them that we had an agreement with Wescot,

and when the next payment was due.

 

 

At this point we had received no notification from L-TSB that the debt had been moved to them;

we only had their threat-o-grams to prove it.

 

 

More threat-o-grams followed; and my mother (obviously to my mind) decided that she was not prepared to risk sending a payment to Wescot

if they were no longer collecting the debt.

 

 

I don’t know about you; but throwing £20 notes into the ether, not knowing where they are going

or if they will be credited against the account is not an action we were prepared to undertake (and still aren’t).

 

We wrote to L-TSB, asking them to please explain how someone was supposed to make payments against a debt when they were playing “musical debt collection agencies”

and weren’t following the proper procedure by notifying us of the change.

 

 

Anyone can ask for money; it doesn’t mean that they have a legal right to have it.

L-TSB completely ignored this letter; in fact the only letter we had from them was threatening legal action themselves!

 

By your response it appears that it is perfectly acceptable for banks and debt collection agencies to send out threat-o-grams,

ignore correspondence from people trying to do the right thing by asking for clarification; and expect people to negotiate on numerous occasions while throwing money in random directions in the hope that some of it sticks to and begins to clear their debt.

 

 

If this is true then I fear that there is no hope for the man on the street. We can never win; can we?

 

Please will you arrange for our case to be reviewed by the ombudsman as per the final paragraph in your letter.

 

Yours sincerely

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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At this point gather all the data you have resend and request that the matter is put before an Ombudsman for review, as you disagree with th adjudicators decision.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Letter sent, with a few minor tweaks (I told her that I want all evidentiary correspondence to be passed to the ombudsman for review)... will see what happens... which I am sure will be a big fat zero!

 

:|

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 1 month later...

Case has been passed to an ombudsman for review.

.. and funnily enough the debt has been passed back to Wescot.

.. and they are threatening legal action!

 

 

Emailed them a "being investigated so kiss my xxx" using a disposable email to both their addresses

and a hard copy in the mail (do I need a proof of posting for this?).

 

 

.. FOS called and asked if we had contacted them as I have been forwarding on all correspondence received to be added to the file...

 

:|

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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It is in your interest to obtain at the very least a Free proof of posting for any letter sent to a creditor/DCA.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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  • 1 month later...

Wescot have written today asking why they have not heard anything from us with regard to the debt and the ombudsman. That could quite possibly be because we haven't heard word one from the ombudsman... do I have to reply to them.

 

On a side note - the place I work at has been receiving recorded messages for an ex member of staff to call Wescot - I took great delight in calling them back today to inform them that the ex employee has done a runner back to Morocco!!!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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As they have been threatening litigation - I think you do need to respond.

 

Just a quick word advising that the complaint is still with the Ombudsman - Ref 1234567 - if they want any further information, they should contact the Ombudsman.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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  • 2 weeks later...

We have the ombudsman's response and they have not found in our favour. We have to sign a form saying whether or not we accept the decision, and if we don't then neither party will be bound by it. The finding are as follows:

 

I have considered all that XXX and L-TSB have said and provided, in order to decide what is fair and reasonable in this complaint.

 

While the debt remains outstanding L-TSB is entitled to instruct different recovery agents. The delay in making payments following the agreement with Wescot was unfortunate because it resulted in Debt Managers being instructed which understandably cause XXX some confusion. But I do not consider this merits an award of compensation.

I understand that XXX has not made any payments since May 2010. I urge XXX and L-TSB (through its agent) to work together to agree a mutally acceptable payment plan. If XXX is experiencing financial difficulties, I remind L-TSB of its responsibility to respond positively and sympathetically.

 

I am currently spitting feathers at this because they seem to have completely ignored the whole point of us contacting them; and that was because we had an agreement with Wescot, we couldn't pay on the date Wescot wanted because we didn't have the money then, we made the payment on the date the money was available to us; they moved the debt on, first to Debt Managers and then to others. We were not prepared to "throw money into the ether and hope that it stuck to the account"... we wanted L-TSB to stop playing "musical debt collection agencies" so that we could make the payments to one company and know that the payments were going to clear the debt... is that unreasonable???

 

Any ideas on where I can go from here. Obviously I am not going to accept the decision; and I want to write to the ombudsman and tell them exactly what I think of them... but as they have ignored and misunderstood what I have already said *throws hands in the air in frustration*

 

All help will be gratefully received

 

Thanks

 

Mo

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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You do NOT have to sign the form that they sent you, Do as I did do not ,send response to their idiotic comments. . leave it at that.

 

Their responses are getting more and more Template d with minor adjustments, gone is the Individual dealings.

 

Shows another waste of time area of responsibility. = Utter Contempt of this cover up service.

:mad2::-x:jaw::sad:
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