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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  
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FOS PPI investigations - how long


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Have sent several PPI claims to FOS in September / October of last year and received correspondence saying it would be 12 months before hearing anything so I put it out of my head till then.

 

But I received the latest newsletter and saw the article about the 64k offer (well done ! ) and when I read the thread it said that he had put the claim in to the FOS in late Jan and had a reply in June; so of course I am now wondering what is happening with my claim ?

 

Can anyone give me an idea of actual timelines for FOS decisions for real claims rather than FOS estimates ..............

 

Thanks

GS

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Depends on their work load and how quickly a company

responds to the FOS enquiries.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HI - thanks for the quick reply - no I haven't chased at all - took them at their word that it would take that long; received a couple of holding letters - I will dig out the file tonight and perhaps do some chasing tomorrow.

 

Waiting to here from these in the hope that I will get enough to pay off my overdraft with the bank if need be and then I can go after the bank loan I had a few years ago - don;t want to do anything before in case they withdraw the facility ! I know they shouldn't .........................

 

Hi Brig - how are you hope you and the family are well :-)

GS

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My PPI complaint with Barclaycard went to FOS last September. I hadn't received any update letters since January this year, so just emailed them last week asking for an update. They told me that they had received all the information they needed from Barclays and were just waiting to allocate an assessor to my case. So I just keep my fngers crossed now for a positive outcome. Hopefully, your situation is the same.

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Hello all

 

Have phoned and all the claims are in the process of things being looked at : further paperwork has been received from the various organisations. One appears to be ready to be assesed but is waitng to be allocated;

 

They said that one has been allocated to a specialist team as the underwriters were not members of ? at the time ............................does anyone have any idea what that means ? This one goes back to 1998 with a Debenhams Store card PPI.

 

I am not holding out much hope for any of them to be honest - my luck is not that good.....my partner and I sent oout exactly the same letter to MBNA - he got an immediate offer; I got refused !!

 

Thanks

gs

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the old store card saga rears its ugly head again!! Like many of us with store cards the response that the ppi we paid on them is not covered because of the type of credit licence and that the underwriters of the ppi policy shpould be approached , ,My Laura Ashley card falls under this, My understanding id that FOS are looking at a trial case against the underwriters of these policies to see if PPI can be recovered ths way,Sit back and think of England SIR as i fear we are in for a long wait for resolution ,,,,,,,,,,, if at all !

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