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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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I agree, their responses are idiotic... it is like they are talking about something completely different...

 

I know we have to pay, and we accept that as we have been down the documentation route; I just don't see why we have to negotiate, negotiate and renegotiate... we made an agreement; they picked a date, we told them we couldn't pay on that date but we could pay on X date... we paid on X date but they moved it on down the line of idiots anyway! :-x

"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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The FOS are supposed to take into consideration all the guidance and regulatory laws.

 

One of those is from the OFT in that they should not instruct multiple agencies. Not only is it confusing but intimidatory.

 

Was this decision from the Ombudsman or one of the tea ladies ?

 

If it was first stage adjudication then you ask for it to be shoved up the ladder to a proper ombudsman.

 

 

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. - Rubbish there is nothing fair or reasonable in this decision, especially as it doesnt address the complaint made !!

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. - If you knew who the damn agent actually was then you would be happy to make payments - it is not and never has been your intention to avoid paying what is genuinely due.

 

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

 

IMHO, you should indeed reject the decision and give your reasons why - make it quite clear what your original complaint was and that you believe that the decision fails to address that complaint.

 

You should quote from the decision and point out where you believe they have either deliberately mis understood or simply not taken the time to read and understand what you have said.

 

If you want to draft something up and pop it on the thread, then we can fine tune it for you.

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Thank you for your help CitizenB... this is the response from the actual ombudsman, we already rejected the first effort from a minion lower down the ladder!

 

I will work on something and post it here later.

 

Thanks again

 

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 can still reject the Ombudsman's decision and ask them to have a rethink.

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That was my point the Ombudsman sides in most cases in original judgment, waste of time in most cases asking to re look at it but always worth a try, but as for sending acceptance or not well, the contempt in their responses in most cases , I did not respond either way.

Edited by Old Cogger
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OK, this is what I have so far (and I borrowed a lot of your comments so thank you)... but I am not sure what to say to close the letter (as I may end up being rude)... or whether I am to return the form they asked us to sign... I want to send this but what, realistically am I asking them to do; revisit their final decision or am I escalating it to the head honcho??? Sorry for being a bit thick :-)

 

I write with regard to your “Final Decision” dated the 1st February 2013 and received by us on the 4th February 2013.

 

I have to say that once again I am staggered by the contents of your correspondence. You say that you have “considered all that XXX and Lloyds TSB have said and provided, in order to decide what is fair and reasonable in this complaint”, a statement that is truly astonishing as the complaint made has not actually been addressed.

 

“While the debt remains outstanding Lloyds 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 caused XXX some confusion. But I do not consider this merits and award of compensation.” I would appreciate it if you would provide me with proof as to where in any of my correspondence with Lloyds TSB, its agents or yourselves compensation is requested. I would also like to bring to your attention the following paragraph, taken from the Office of Fair Trading 'Debt Collection Practices':

 

PHYSICAL OR PSYCHOLOGICAL HARASSMENT

- multiple businesses attempting to collect the same debt at the same time can cause harassment, where more than one party is engaged with the collection of the same debt (and this could include the creditor and their agent debt collector as well as multiple agencies), actions will need to be carefully coordinated and the timely communication of accurate data about the status of the debt and the circumstances of the debtor is key.

 

“I understand XXX has not made any payments since May 2010. I urge XXX and Lloyds TSB (through its agent) to work together to agree a mutually acceptable payment plan. If she is experiencing financial difficulties, I remind Lloyds TSB of its responsibility to respond positively and sympathetically.” It has never been the intention to avoid paying what is genuinely due, but it is certainly not realistic to expect payments to be made a) on a date when the money is not physically available and b) when the initial lender keeps changing their agent and expecting renegotiation to take place on each occasion.

"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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OK, this is what I have so far (and I borrowed a lot of your comments so thank you)... but I am not sure what to say to close the letter (as I may end up being rude)... or whether I am to return the form they asked us to sign... I want to send this but what, realistically am I asking them to do; revisit their final decision or am I escalating it to the head honcho??? Sorry for being a bit thick :-)

 

I write with regard to your “Final Decision” dated the 1st February 2013 and received by us on the 4th February 2013.

 

I have to say that once again I am staggered by the contents of your correspondence. You say that you have “considered all that XXX and Lloyds TSB have said and provided, in order to decide what is fair and reasonable in this complaint”, a statement that is truly astonishing as the complaint made has not actually been addressed.

 

“While the debt remains outstanding Lloyds 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 caused XXX some confusion. But I do not consider this merits and award of compensation.” I would appreciate it if you would provide me with proof as to where in any of my correspondence with Lloyds TSB, its agents or yourselves compensation is requested. I would also like to bring to your attention the following paragraph, taken from the Office of Fair Trading 'Debt Collection Practices':

 

PHYSICAL OR PSYCHOLOGICAL HARASSMENT

- multiple businesses attempting to collect the same debt at the same time can cause harassment, where more than one party is engaged with the collection of the same debt (and this could include the creditor and their agent debt collector as well as multiple agencies), actions will need to be carefully coordinated and the timely communication of accurate data about the status of the debt and the circumstances of the debtor is key.

 

“I understand XXX has not made any payments since May 2010. I urge XXX and Lloyds TSB (through its agent) to work together to agree a mutually acceptable payment plan. If she is experiencing financial difficulties, I remind Lloyds TSB of its responsibility to respond positively and sympathetically.” It has never been the intention to avoid paying what is genuinely due, but it is certainly not realistic to expect payments to be made a) on a date when the money is not physically available and b) when the initial lender keeps changing their agent and expecting renegotiation to take place on each occasion.

 

 

 

 

I am therefore requesting that you revisit your decision based on the further information I have provided, despite this a) already being in your possession and b) based on comments that were never made !.

 

I look forward to receiving your early response.

 

Etc, etc..

 

Other than that.. perfect :)

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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

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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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:thumb:

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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  • 2 weeks later...

Thank you for your letter of the 5 February 2013, your comments have been noted.

 

However, please note that our complaints procedure has now come to an end, as the ombudsman has issued a final decision. Therefore, we will be unable to enter into any further discussions about the merits of your complaint.

 

We need to know whether you accept or reject our final decisions by 1 March 2013. If we do not hear from you, in writing, by 1 March 2013 then neither you or Lloyds TSB will be bound by the final decision.

 

If you do decide to accept our final decision, you should sign, date and return the form enclosed with our letter of 1 February 2013.

 

Comments... suggestions... ideas... I have a few of my own but they would fill the swear box!

 

:-x

"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 think I agree with the FOS in this instance. They have made a final decision and that is the end of the process. There is no point wasting printer ink in trying to change their minds. It is a case of whether you accept the decision of the FOS or not. You still have the option of using the courts, if you think you can present a case.

We could do with some help from you.

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I think I agree with the FOS in this instance. They have made a final decision and that is the end of the process. There is no point wasting printer ink in trying to change their minds. It is a case of whether you accept the decision of the FOS or not. You still have the option of using the courts, if you think you can present a case.

 

 

 

Do as I did just do not respond to them, and then the O.C. cannot state that you have made a decision, you do not have to inform the FOS at all, it is voluntary response if you wanted to accept.

:mad2::-x:jaw::sad:
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I would have thought that our letter telling them that they hadn't answered our complaint but invented one of their own was a good enough hint that they could take their "final decision" and whistle dixie!

 

:wink:

"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 would have thought that our letter telling them that they hadn't answered our complaint but invented one of their own was a good enough hint that they could take their "final decision" and whistle dixie!

 

:wink:

inventing one = sounds familiar!

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I'm just fecking furious that we have to negotiate all over again... and who's to say they won't start the music again once we have? Is there a complaints procedure for the FOS... I mean; can I complain about them and the decision...

"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 can't complain about the FOS decision. You can complain to them about their handling of the complaint, but it won't have any affect on the decision. I think you would be wasting your time writing to them.

 

Have you looked at what other complaint you can make about LTSB ? The FOS have looked at one issue, but this is not to say that you cannot find another issue to complain about ? Have you sent an SAR to LTSB to see what other issues you might be able to find ?

We could do with some help from you.

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Shame, as I really don't see why we should continually have to negotiate a payment plan with one DCA, make a payment only for it to be moved on to another and another and another... They need to man up! I also don't see why the FOS should get away with ruling on a complaint of their creation rather than the one we asked them to look at. Sorry, really really really angry with the FOS and L-TSB right now... red mist descending! :-x:x:-x

 

And yes, we did SAR them and there is about three tonnes of paperwork to go through.... I do know that with another debt (they have gone quiet on) they couldn't produce the CCA and used the money included with the request as a payment against the account!

"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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That's the whole problem BB;

 

 

we had an agreement with Wescot but we couldn't pay on the day they wanted.

 

 

We told them this, made a payment and were due to make another when Debt Managers contacted us about the debt,

we wrote to them saying we were confused,

then L-TSB wrote and said DM were now handling it, we complained and L-TSB ignored us,

then Iqor contacted us and now Wescot again..

 

 

. The FOS invented a complaint because they didn't answer the one we raised;

and now we are left no further forward and having to negotiate again..

. and probably again and again and again...

 

I am still so very angry

"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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Do LTSB still own the account ?

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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Kind of tried that and they shot us down in flames with their last letter... so infuriating that they can invent a complaint and say tough luck we're done!

"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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Quite possibly... but I'm a bit "dog with a bone" about this as I feel we're getting shafted from all sides when trying to do the right thing...

"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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