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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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RBS credit card debt & wetcloths


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I have one search done by Wetcloths , but I am suprised I haven' t been searched on before,

 

 

How long does a search stay on credit file changed address, Equifax notified, if some one has done a runner isn. t Equifax the first place a dca would look?

 

I have one search done by Wetcloths ,

but I am suprised I haven' t been searched on before,

 

 

How long does a search stay on credit file changed address,

Equifax notified, if some one has done a runner isn. t Equifax the first place a dca would look?

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Unrecorded searches have no impact on ''credit rating''

You credit report details how long and how much effect

searches impact.

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Previous addresses, linked addresses, fiancial links(joint accounts).

electoral roll.

Basically looking for you.

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Are you checking just one CRA or all 3 major agencies,

Experian and Call Credit as well may have entries not

all DCAs/Creditors use just one agency.

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NO sharing of data, also there are many ways of tracing

individuals other than CRAs.

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If they are not chaing you why not just keep a low profile.

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In two minds, had a phishing letter from wetcloths if I reply and tell them I havent got a clue , who what when, am I opening up a can of worms? or keep schtum

Un;less Westcott have stated clearly what they are chasing ignore until they do.

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If you want a free credit report get it here. I filled out their application form on line last night. very straight forward, even if you are not computer savvy. What is important is it is so easy to read very simple format. unlike Equifax , Everything in front of you easy to navigate.EQUIFAX told me that wetcloths had put a trace on me, not a problem, but with noddle they gave me the date and on what property.You do get adverts on their website,some for financial products, but with my **** poor credit rating they certainly wont be targeting me !:!:

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The problems I have found with Call Credit products are

that their services are not used by many major lenders,

and so their records are sometimes misleading as full up

to date information is not available.

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The problems I have found with Call Credit products are

that their services are not used by many major lenders,

and so their records are sometimes misleading as full up

to date information is not available.

It had my gas bill which suprised me but that was up to date

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I have been with Noddle since the very beginning and while it is easy to use, not all creditors use Call Credits services and as such, Noddle files can be a bit short of info

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It had my gas bill which suprised me but that was up to date

Never seen a utility bill on CRAs unless there has been a problem, perhaps CC are desperate for custom.:madgrin:

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It does need reading with the covering notes an explanations.

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Part of the site team ''job'' checking on threads subscribed to:madgrin:

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Yes, apparently I 've gone away, gone where on holiday!!

 

That's a nasty marker to get stuck with.

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Never seen a utility bill on CRAs unless there has been a problem, perhaps CC are desperate for custom.:madgrin:
Yes that really suprised me. also I am in dispute with a car ins company, which has been passed onto a dca, that was'nt on either report
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