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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cabot and Citi Card debt


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It is important to stress that many DCA's will threaten actions in the knowledge that merely the threat will get results. They will use key phrases and words that are intended to frighten, such as; court action, attachment of earnings, bailiffs.

 

In the circumstances where they have sent a blank agreement, I would write to them saying that they have failed to provide a properly signed agreement, and that they are now in default. If they take any enforcement action before providing a signed agreement then you will contact Trading Standards. No further correspondence will be entered into on this matter unless the original paperwork is provided.

 

 

 

 

 

 

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phew, thanks for that alan. i will now write to them and advise them that they are wrong and am taking letter to trading standards(?). will also ask them why they are responding to request for CCA when i never wrote to them or had any knowledge of them and why was i not informed that they were managing my account. thanks again

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hi, just had another thought (and it's getting lonely!). This debt was originally with JD Williams, and I have discovered that First Credit Ltd are at the same address. I have had contact from JD Williams, Connaught Collections, Robinson, Way & Co, Debt Help Services and on looking up JD Williams i discoverd they have exact same address as First Credit. So I sent CCA requests to all 4 of them (put JD Williams/First Credit on address of 1st one). 2 of them responded immediately saying they had handed debt back to First credit. Then out of blue came this letter from Reliable collections(never heard of them before) saying all that crap about the consumer credit regulations and also saying that debt had been passed to outside agency, First Credit and all future correspondence should be with them.....confused or what!!!!! I have now done a CCA request and sent it to Reliable and one to First Credit, even though JD Williams one was addressed to First Credit as well. Are they deliberately being obtuse and making this increadibly confusing? and how can i make sense of this?

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Don't get sidetracked. If a company chases you then request the information, and if it is faulty deal with that. If you try to follow the debt back to the original creditor yourself you will just end up going round in circles.

 

 

 

 

 

 

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so sorry for barging in this forum, have had something posted in general but no replies and am getting stressed. i'll try an be very brief, DCA called scott and co, claiming council tax, i've been paying it back and forth when i can, when i've been working etc, is a joint debt but as the ex has moved to englad scott and co say they cant enforce their scottish law on him! nice eh, i'm thinking of moving! anyway, they did an earnings arrestment, which suited me actually as i never noticed i was paying it, but as my work is seasonal if stops for a few months every year, so it stopped in jan, so their payments stopped, they phoned and i agreed to pay £6.00 per fortnight!! wow! well i wasn;t earning anything and not entitled to benefits, didn;t pay owt, then i get a letter last sat saying they've issued a funds arrestment and i might not have access to my bank account!!:eek: totally out of the blue, no reminders etc, been a bit frantic, then i got out letter to re read it and noticed it says to contact them to prevent further action blah blah, i only contact them by email as i refuse to sit on the end of a phone all day, not getting anywhere with them, dont know if its been executed or not, dont know much really, thought they have to send a default notice first? not sure...can some clued up expert please give me some advice? all i get from them via email is that i'm to wait for my bank to send me a mandate? any help will be sooo much appreciated. thankyou

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so sorry for barging in this forum, have had something posted in general but no replies and am getting stressed. i'll try an be very brief, DCA called scott and co, claiming council tax, i've been paying it back and forth when i can, when i've been working etc, is a joint debt but as the ex has moved to englad scott and co say they cant enforce their scottish law on him! nice eh, i'm thinking of moving! anyway, they did an earnings arrestment, which suited me actually as i never noticed i was paying it, but as my work is seasonal if stops for a few months every year, so it stopped in jan, so their payments stopped, they phoned and i agreed to pay £6.00 per fortnight!! wow! well i wasn;t earning anything and not entitled to benefits, didn;t pay owt, then i get a letter last sat saying they've issued a funds arrestment and i might not have access to my bank account!!:eek: totally out of the blue, no reminders etc, been a bit frantic, then i got out letter to re read it and noticed it says to contact them to prevent further action blah blah, i only contact them by email as i refuse to sit on the end of a phone all day, not getting anywhere with them, dont know if its been executed or not, dont know much really, thought they have to send a default notice first? not sure...can some clued up expert please give me some advice? all i get from them via email is that i'm to wait for my bank to send me a mandate? any help will be sooo much appreciated. thankyou

Marciag

 

I think this is one of those situations where emails don't work, unless they reply with exact answers to your questions how do you know what is happening behind the scenes, things could be getting worse because they think you are ingoring them??

 

In your position I would call them immediatley and get the exact position off them, once you have done that report back here and we can advise you accordingly, but without all the facts it is hard to give proper advice.

 

Also read my thread it has a lot of relevant info on Council Tax and Bailiffs etc HERE

another thread worth reading is Bailiffs and Sherrifs

 

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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okay, next instalment of the farce. (from above postings) received a letter from 1st credit (i believe the original creditors). In it was a with compliments slip with "as requested" written on it, in response to CCA request. The letter was a computer printout about 12 lines in total. stating my name and address with "legal report-creditsolve-live. PreSue"" at top of page. it has the total they say i owe £200 and have taken the £1 postal orders off as payments. should i reply to this?

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okay, next instalment of the farce. (from above postings) received a letter from 1st credit (i believe the original creditors). In it was a with compliments slip with "as requested" written on it, in response to CCA request. The letter was a computer printout about 12 lines in total. stating my name and address with "legal report-creditsolve-live. PreSue"" at top of page. it has the total they say i owe £200 and have taken the £1 postal orders off as payments. should i reply to this?

 

If that is all they have sent you then that is not what you asked for. I would not bother replying at this stage. However, should they send a letter demanding payment, then would be the time to state that they have failed to provide a copy of the original agreement and therefore you do not acknowledge that this money is owed. Any further attempts to enforce this debt will result in a complaint to Trading Standards.

 

 

 

 

 

 

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If that is all they have sent you then that is not what you asked for. I would not bother replying at this stage. However, should they send a letter demanding payment, then would be the time to state that they have failed to provide a copy of the original agreement and therefore you do not acknowledge that this money is owed. Any further attempts to enforce this debt will result in a complaint to Trading Standards.

 

Except that if they've treated the £1 as a payment towards the debt it restarts the clock for Limitation Act purposes. They may not be a problem right now but if the matter remains unresolved and the debt is sold on ecobabe may have the devil's own job in arguing that the payment was a misapplied CCA request. This is a favourite and particularly nauseating DCA dirty trick.

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The problem that I have found with DCA's is that they will argue with everything. If you sent them a letter saying that "the sky is blue" they will reply with a denial, and a threat that if you dare to suggest that again they will come round and break your legs!

 

Silence often sees your file gradually getting pushed back behind other cases to be forgotten in favour of easier targets - however, you have to be ready to assert your legal position when necessary.

 

 

 

 

 

 

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I actually managed to get a £200 refund from Drakes after I was over-charged for collection on a parking fine. If anyone wants a copy of my correspondence, let me know and I'll post up the contact names and fax numbers I used together with my fax/letters when I am back in the office (where I have everything saved on my work PC) on Monday.

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I sent 2 Dca CCA requests and neither have replied.Reading the other forums this usually gets them backing off......I want to report them but am unsure as to the specific legs anyone know here.......I know the complaint is to the Oft and local trading standards but have been unable to find the non compliance to produce a true copy of agreement bit.

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I sent 2 Dca CCA requests and neither have replied.Reading the other forums this usually gets them backing off......I want to report them but am unsure as to the specific legs anyone know here.......I know the complaint is to the Oft and local trading standards but have been unable to find the non compliance to produce a true copy of agreement bit.

 

Was the CCA request to the owner of the debt? What did you write? If you sent the CCA letter to the DCA and they don't actually own the debt, then it all comes a bit unstuck - and you really need another letter for that.

 

Just written a rather snotty letter to a DCA who now owns a debt from someone else, they've failed to produce any of the info I asked for and are now in breach. Will post it tomorrow when I get a sec..

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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I have sent the exact same letter above, they cashed the £1 cheque last week, I've heard nothing yet, they can take as long as they like given the circumstances. I bet the caseworker has kicked his or herself for picking up our files, LMAO. :D

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Hi,

 

My son has received a letter from Lowell Financial stating they have bought his debt from the HSBC, and they are demanding he repay the full amount.

 

I sent a Data Protection Letter to them and they returned a signed copy of the original agreement but nothing else.

 

I have read somewhere on the forum that these debt collecting agencies buy the debt for 10-12% of the original debt amount. Been looking for this information but can't find it.

 

Anyway, can my son refuse to pay the £1100 they are asking for and offer to pay the amount they bought the debt for.

 

Also have read that as my son is not party to the contract made when selling the debt that he can do something about it, again been looking on the site but can't find the information.

 

Not sure what steps to take next and would appreciate some advice.

 

Thanks

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Anyway, can my son refuse to pay the £1100 they are asking for and offer to pay the amount they bought the debt for.

 

Also have read that as my son is not party to the contract made when selling the debt that he can do something about it, again been looking on the site but can't find the information.

 

Not sure what steps to take next and would appreciate some advice.

 

Thanks

 

Did you send the Consumer Credit Act letter - this asked for a copy of the deed of assignment as well. If you sent a DPA request then that would not be supplied.

 

On the other point, no, it makes no difference how much they paid for it, they are entitled to claim the full amount.

 

However, they will usually settle for a reduced amount in full and final settlement - start at about 10%, and you may find they will settle for somewhere between that and about 50%.

 

 

 

 

 

 

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Thanks for that Alan,

 

I did send the Consumer Credit Letter (have pasted copy below to confirm). They did not send a deed of assignment, and I don't know what one is or what it does. Should I write and ask for it? What do I do if I receive/don't receive it?

 

Thanks

 

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number ………………………………..

 

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

 

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Yours sincerely,

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The deed of assignment shows that they have the right to be collecting the debt. It should show the date of assignment, and who it was assigned from. It may be worth contacting trading standards to say that you have requested this, and that they have failed to provide it.

 

Are you aware of any unlawful charges applied to the account before it was sold, if so then you can claim those back from HSBC.

 

 

 

 

 

 

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Was the CCA request to the owner of the debt? What did you write? If you sent the CCA letter to the DCA and they don't actually own the debt, then it all comes a bit unstuck - and you really need another letter for that.

 

Just written a rather snotty letter to a DCA who now owns a debt from someone else, they've failed to produce any of the info I asked for and are now in breach. Will post it tomorrow when I get a sec..

 

No I didnt use any of the temps letters.I basically said on checking my credit files that I had become aware of defaults on my file and they were listed as being the collector.

I asked for a copy of the agreement.

I also said I had not been given a copy of any default notice nor details of the account transfere from bank to them.I quoted the cca legislation and sent them a quid p.o. I reminded them as the accounts were the subject of current dispute any recovery action should be suspended.

I also informed them to confirm it was/was not them who had the default entered and told them I would at a later stage be challenging them as to the legality of entering the dispute.

The 14 days expired on July 5th. I am a little concerned at reading that the OFT and local trading standards are not acting as they should.

I am wondering if it would have been better now to send a S.A,R instead as they would have faced certain wrath for not replying to that !

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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