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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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small claims summons capquest


grifty
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As dx says, counterclaim for the PPI, any late payment charges plus the interest they have changed you on both. THEN put interest in restitution on top of the lot.

 

Actually, looking at the form on page 13 of the link I sent - you don't need to admit the claim or actually produce a defence. Just fill in box 3 "DISPUTE THE CLAIM (or the amount due) and attend at court" and enter "I intend to state a counterclaim"

 

Look at paragraph 2.17 on page 23 and the example on page 24 - that should be enough to get you going.

 

When do you need to get your defence in?

 

 

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I have just 2 weeks to submit a defence, so i'll go through all my paper work over the weekend and fill out the ppi spreadsheet (am I right in saying I should use the second one listed CIsheet v 101) and do I add their late charges to the same sheet.

 

I'll reply saying I will state a counter claim and appear in person. Do I send a copy of the full counter claim to the court and capquest or just some bullet points regarding what my claim is about.

 

grifty

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You will effectively need to do a POC with the spreadsheets as attachments. In box 3 write " I intend to state a counterclaim, particulars of counterclaim attached" Then set it out as in the example on page 24.

 

 

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you need to do TWO SOC's one for PPI one for PENALTY charges.

 

 

thats the correct sheet yes.

 

use the highest APR you can find or it might be 24.9% [ not sure on restitution claims]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Rightbeen through all the paperwork from shop direct and found they owe us just under £2000 for the PPI and around £252 in charges applied. The intrest charged on the account was 26.42%, so that is what I put in the spreadsheets. Do I just leave the end date as the current date or should i put in the date they sold the account? With compound intrest the PPi is just shy of £6000 and the charges £500. I just need to write my particulars of claim now.

 

grifty

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end date current is ok

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is just a very small point but it will save you a bit of money upfront on court fees.

 

If you make a counter claim you also have to pay a court fee.

 

However, if you say that, as part of your defence, you have the right of equitable set-off of these charges against the amount claimed then you are counter-claiming the charges but you don't need to pay the fee

 

 

 

If anybody is interested here is a bot about the different types of set-off:-

 

The 1958 Court of Appeal decision in the case of Hanak -v- Green is regarded as one of the key decisions defining the modern law of set-off. It may now be said there are four forms in which a set-off can arise: 1) Mutual liquidated debts (sometimes called legal set-off). A cross claim can be set-off as a defence if the amount of the debt is known or can be readily and without difficulty ascertained. 2) Equitable set-off (sometimes called transaction set-off). The test as to whether a cross claim can be relied upon as an equitable set-off is whether it is so closely connected with the claim that it would be manifestly unjust to allow the claim without taking into account the cross claim. 3) Contractual set-off. The contract may dictate certain procedures that must be observed to preserve the right to apply a set-off 4) Statutory set-off. For example, under rule 4.90 of the Insolvency Rules 1986 an employer can set-off any claims it can prove against monies owing to an insolvent contractor.

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Quite True havinastella but what if your defence is struck out, so does your set off, I personally would submit a Part 20 CC separately that way your CC is protected and you are given all the rights of the Defendant Part 20 Claimant, including costs.

 

Regards

 

Andy

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I think I need help with wording the POC for the counterclaim. I'm worried about how much information I need to put in, i'm also a bit worried about how to word it tbh I'm a bit nervous about it getting thrown out because I'm not used to legal jargon.

 

grifty

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can we check your spreadsheets for you too?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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for security reasons i'd print as PDF and attach those

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thats great

 

as a point

 

are there ppi/penalty charges

 

[ps i'd rename your charges SOC PENALTY charges

and refer to them as PENALTY chrges in ny ref. docs

they do not truely reflect their admin costs re:FSA guidelines]

 

that go back further

it might be an idea to include additional / alternate SOC's, as that could be a very good 'persuader' too.

 

also be prepared to include/show copies of all the staetments they come from.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Thats us been to court.

 

Other side had appointed a local solicitor there.

 

His brief seemed to be to see if we turned up and what we had to say.

 

Sheriff asked what our response was I said I disputed the debt was owed as the ppi meant my wife was owed a greater amount by the other side.

 

Their solicitor then suggested capquest had only bought the debt and were not responsible for the ppi.

 

The Sheriff raised an eyebrow at that and commented "that is an interesting concept".

 

I explained to the Sheriff that as Capquest had intimated they had purchased the debt and had full assignation they also were responsible for all other liabilities in respect of the account.

 

He seemed to agree this was normally the case.

 

The other side then requested a sist to allow them to look into the ppi.

 

The Sheriff asked if I was happy with that.

 

So for the moment it's all suspended pending further contact from them.

 

Grifty

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i'd get the PPI/charges claims IN to the OC.

 

there are no recorded PPI reclaims that i know

whereby the purchaser f a debt has been held responsible for the PPI/charges refund.

 

its always the OC

 

nice stall though

 

thats got Crapest thinking!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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