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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.
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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.
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Motormile and quick quid please help,very worried!!


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Hi everyone

Been reading the forums for a while now and the advice is amazing,i have a problema and looking for some advice,i have a loan with Quick Quid originally for £600,i defaulted and the debt went up to nearly £900.After several emails back and forth trying to get to an arrangemant with them that i could afford to no avail and payments were on and off.

Not heard anything now since before xmas but last week recieved a letter from Mackenzie Hall who had been dealing with the debt telling me they had assigned it to Motormile finance and all dealings now should be made with them,now i looked them up and OMG IM PETRIFIED!!! they say they can come round top your house knocking on doors etc at all hours and by the sounds of it they actually do this,i tried to contact them via their site to see if i can set something up but so far they havent answered,im dreading them turning up and scared stifft as there are other people in the house who will go ballistic if they did.Can anyone advise what i can do or if they hacve dealt with them please.

Thankyou x

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Hi and welcome to CAG

 

Should anyone turn up at your door, you do not have to talk to them. Once you tell them to 'Foxtrot Oscar', they must leave and if they refuse to do so, you are well within your rights to phone your local plod and ask for assistance in removing a person harassing you.

 

If you have a look in the library (top left) you will find a plethora of letters to help you deal including a 'doorstep letter'. You could always send them that.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi angel!

 

Don't worry.

 

I have had dealings with MMF.

 

Yes - they probably will send their overweight doorstep collector round to you if you ignore them. They did to me.

 

You are not ignoring this debt though are you?

 

To be honest they were pretty quick to respond by email to me. I deserved to be visited to be fair, I buried my head in the sand and assumed the threat of a visitor was just a threat.

 

I wish I'd have found cag sooner. Taught me a valuable lesson (many in fact)

 

You could always write to them advising them that they are only allowed to visit you at home by appointment and that you won't be making any appointments!!!

 

They do like to haggle with you. Whatever you offer them, they'll want more. If you can afford to pay £40 per month offer them £20 per month. They'll probably write back saying £20 is not enough and they'll accept £30 or £40.

 

I emailed them asking for the CCA, just to make sure everything was above board. They did provide me with this.

 

I pay them now through my dmp.

 

Just remember this. These 2 bit DCAs like mucky hall and MMF are a lot easier to deal with over quickquid!

 

Let us know how you get on x

It never rains but it pours...

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While it may be good to haggle, I don't think this is necessarily a good idea, especially if you are not at all comfortable haggling.

 

You work out what you can afford and tell them that. If they refuse, what can they do? Send a goon around to harass you. Not if you instruct them not to call.

 

If you happen to fall into one of the vulnerable groups too, they have to treat you differently.

 

If I came to your door and told you to give me money you would tell me to go forth. Same applies to MMF

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks for the advice,i think it was around September when i stopped paying,Mackenzie hall kept trying to get me to pay more and threatened court action so i stopped the direct debit,i suppose though 4 months is a long time not to pay,i just want to set something up but dont want people coming to my home!!

Do you think if i keep emailing them it will stop them from coming around?

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Silver fox what do you mean by falling into one of the vulnrebale groups?

unemployed

elderly

single parent

disabled

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have various outstanding loans due to PDLs. In respect of Motor Mile they were collecting for a debt that I owed to Quick Quid. On checking through what I owe presently I went through my emails with QQ and realised that the debt was from as far as 2009 and not long after I took out the loan I lost my job. Normally I don't deal with debt collection agencies, I certainly don't take their phone calls but over time Motormile offered me a good deal which was that I was offered the chance to pay half of what I owed to QQ in full and final settlement of the debt and that my credit record would show that this bill had been satisfied. My debt to QQ was £422.75 and I settled it at £253.65 some 2 years after taking out the loan. I never received anybody on my doorstep and even if I did it would have been a wasted journey for them because my door would have remained locked. So yes I have settled one payday loan but have more to sort out. One thing that I did do to ensure that they do not get any money from my account is to inform the bank that my card was stolen - it's no good saying you have lost it or have it cancelled as some banks don't actually block the card for a set amount of days just in case you do find it, if it is reported as stolen everything at was being paid from it will be blocked. I have entered into a repayment agreement with Lending Stream and informed them that due to my dire financial circumstances I do not have a debit card therefore to provide me with their bank details to set up a standing order, that way they do not have access to my bank account. McKenzie Hall will bully you if you allow them - I don't allow any debt collection agency bully or threaten me with court proceedings/bailiffs and I also inform the payday loan companies that I will not be dealing with the collection agencies as I did not take out any business with them and if they really want repaying that we come to some sort of agreement. I also do not enter into any telephone conversation with them as I am unable to keep an accurate record of the conversation and will only discuss the account through email. Anyway good luck with your case but do not allow these people to bully you.

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