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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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Debt with capital one and mbna


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Hi, I'm new to the site and looking for some advice, I stumbled across the site whilst searching for advice.

 

I have two credit cards one with mbna and the other with capital one I owe about £5000 in total.

 

I am currently receiving benefits due to health problems.

 

I have been paying money to capital one on a reduced payment plan for a while and currently pay £7 per month.

Every six months they get me to send a current bank statement plus copies of my benefits letters.

 

I have been paying the minimum monthly amount to mbna up until now as my savings have now run out.

I spoke to them yesterday and they have asked me to work out my income and expenditure and to call them back and they will tell me what I can do.

 

Can anyone advise me on how to handle the situation and whether I should just do as they tell me or do I have the right to turn down their offer.

 

I have also read that I should not provide bank statements etc. But I always have as I wanted the problem to be dealt with amicably when dealing with capital one.

 

I haven't contacted any debt agencies and don't really know anything about how I should proceed with the problem.

 

Any help would be gratefully appreciated I look forward to your responses.

 

Thank you

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you are under no legal obl to supply ANY pers details esp financial ones

 

you TELL them what they are going to get as a GOODWILL gesture [£xx for xxmts]

 

as a reciprocal goodwill gesture, you require them to freeze interest and refrain from levying any PENALTY charges

 

should they refuse to help as they must with due regard to the published guidelines

 

then you will have no alternative other than to drop the payment to £1PCM till you die

 

 

what about reclaiming PENALTY charges & PPI?

 

dx

  • Confused 1

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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Thank you DX

I will be brave, bite the bullet and call them armed with your wise words.

I will post again with an update as soon as I have spoken to someone.

I have never and would never pay for PPI, I have always turned it down.

Thanks Again

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No no no no no - do NOT call them, only do it in writing. Always write and have an audit trail. If you call you will get pressure and maybe even forced into something that is totally unsuitable for you.

 

Never talk to creditors, always do it in writing.

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I'm certainly no expert, far from it in fact, but have read a lot of good info on here over the last few days.

 

From what I gather, the best thing to do is to write to them explaining that you are suffereing financial problems, attaching an income/expenditure record accompanied with an offer to pay a reduced amount of £x (whatever you can realistically afford) and a request that all interest and charges are stopped. Send this letter by recorded delivery and ensure that you retain a copy for your records. Also make sure that you commence payment of the amount you have offered straight away and don't stop paying, even if they reject your offer initially.

 

Like I say, I'm no expert and what I say is from my own experience and what I have read on here over the last few days. Someone who has a better knowledge of things may well be along shortly and I stand to be corrected on anything.

 

Best of luck with it.

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wrong..

 

 

benefits are for those that they are paid too

 

NOT for some debt to some unhelpful creditors

 

the benefits are YOURS TO LIVE ON - not for debts - end of!

 

taking control of your finances is YOUR responsibility NOT for a creditor to dictate what you do with YOUR money.

 

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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Share on other sites

Thank you all so much I have taken on board all of the advice offered and I have sent them a letter from a template found on this brilliant site.

 

I have asked them for all correspondence to be by mail as I would like to have a copy of it,

I have also offered them token payments and given them a copy of my income and expenditure.

 

I have set up the payments by standing order so they will commence immediately.

 

This site is amazing, the amount of information and advice on offer is mind boggling and you have restored my faith in the human race.

Many Thanks

x

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I have to say Capital One are one of my pet hates. I sorted them out once and for all and posted it on here a while back, but basically I owed them £3000. I paid them a measly some each month but they completely ****ed me off with their carry on so I sent a cheque to their accounts department along with a letter stating that this cheques is in full and final payment for the above account. By the way the cheque was a for £5.00 (five quid) I deliberately avoided sending it to their collections department and sent it to their accounts department instead. The idiots cashed the cheque....lol Thereby accepting my terms and final payment. They had no choice but to write off the remainder. I bet they dont fall for that one again

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  • 5 weeks later...

After sending off my letters including my income and expenditure and after taking advice from this forum no bank statements, I have finally had responses from both companies accepting my offer of a £1 token payment per month for the next 12 months or until my situation changes whichever is sooner. I am so pleased that both companies have responded to my offer and they were both very understanding. Not what I thought was going to happen at all, I thought I would be in for a battle but nothing of the sort. I almost felt like calling to thank them and then realised that would be a step too far LOL.

Once again my thanks to all of you who took the time to reply to my plea for help it really worked and it's one less thing I have to worry about for the time being :whoo:

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any PENALTY charges or PPI to reclaim now?

 

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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Share on other sites

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