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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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The Lewis Group & vanquis card 'debt'


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If i offer to pay them £1 week/month do they legally have to accept it?

 

im a single mum of 2 kids under 3 and on benefits,so money is tight.

 

initially they hounded me for about £53ish a month i agreed to shut them up and managed 1 payment and then realized how short it would leave me every month.

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tell us the full story

 

lewis are a dca they have NO legal powers to demand any money from you.

 

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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i had a vanquis card april last year,with a £200 limit (i think)

maxed it out and

from what i was away from the info on their website minimum payment was 5% of the balance or £5 if it was under a certain amount.

 

on the premise of having a £200 bill and 5% of that works out around £10 but it started showing on my account they wanted 50 odds a month minimum payment.

 

i had phoned (i know now i shouldnt have phoned) to ask where they were getting this figure from

and every time they just kept saying something about it running over from the previous month.

 

i gave up trying to contact them and buried my head in the sand for a few months,

i had ended up ill and had really bad anxiety from being ill. (i had a close call with swine flu back in 2009 and ever since anxiety of being ill has consumed me) so i dealt with that.

 

i then had a letter from the lewis group saying they were in charge of the debt now and get in touch with them.

 

the agent i spoke to said they would accept the £53ish per month which i could not agree to at the second without going away and seriously thinking about it.

 

was getting 2-3 phonecalls a day on my landline and on my mobile and 1-2 letters per week

 

so i just gave up and agreed to it simply because i couldnt be bothered with them harassing me anymore.

 

i managed the first months payment and was left pretty short for gas&electric and groceries.

 

heard nothing from them til this morning saying that their client had instructed them to offer me a significant discount instead of paying 364 i could pay it off for£182.

 

i wish i could afford it but they way things are i cant.

 

i just want them off my back until i am in a better position to pay a little more so i thought the £1 would do this.

 

i want it paid off cause im trying to rebuild my credit report

,i would like a mortgage one day,

or if i finally decide to learn to drive id like to be able to get finance for a car.

 

after reading to many horror stories about dca's on here i didnt want to contact them without double checking things

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something wrong here

 

they are offering a discount

 

prob loads of unlawful PENALTY charges

or

PPI

 

to reclaim.

 

if you've not got all the statements

 

then you need to SAR vanquis

 

and get relaiming

 

as for paying 'something'

 

if vanquis are still shown as the owner of the debt on your cra file

 

then just pay £1 by your internet banking portal

 

no need to bother with the dca at all. ignore them

 

and stay off that phone!!!

 

 

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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i know there are some dodgy charges on it just not sure how many,i tried to log in to my online account to see if i could get an idea of what they were but i cant remember any of the details.

 

is it just a £10 postal order i stick in the with SAR request?

 

i never even thought about PPI as i didnt think i could claim cause it was with a DCA.

 

silly question,can i send a handwritten SAR or would it have to be typed up? my printer packed up a while ago and our local library is closed for months to get refurbished into some sort of community hub so cant even go there.

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neighbour relative?

 

better to print it

 

yep just a £10 PO

 

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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you dont need any account numbers for an sar.

 

that address 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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Share on other sites

Sent off today,first class recorded delivery.

 

Eager to know what the statements etc say,finally maybe get an explanation where the £50 minimum payment came from.

 

Should i send an account in dispute letter to the dca?

 

At least i dont have to worry about their fake baliffs coming to my door.

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they'll come anyhow i bet.

 

i wouldn't send anything to the DCA

 

a SAR cannot put an A/C into disput sadly.

 

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dont you believe it

 

they'll farm it out to one of the locals

 

just remember, film them and get them to identify themselves

 

then its gameover as they know they should not be doorstepping in scotland

 

you'll get what my mrs got.

 

2 doorcalls, would not id themselves

just wanted money.

 

it was not until i pulled an old string from my ex works

and got the owner of the cars reg number i found out who it was.

 

had parked 3 streets away on a main road superstores carark

 

looked funny with me walking down the road filming him!

 

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dont you believe it

 

they'll farm it out to one of the locals

 

just remember, film them and get them to identify themselves

 

then its gameover as they know they should not be doorstepping in scotland

 

you'll get what my mrs got.

 

2 doorcalls, would not id themselves

just wanted money.

 

it was not until i pulled an old string from my ex works

and got the owner of the cars reg number i found out who it was.

 

had parked 3 streets away on a main road superstores carark

 

looked funny with me walking down the road filming him!

 

dx

 

Anyone could turn up at ur door and demand money so if they won't id themselves how do they expect to get anywhere.

 

I'm half expecting someone to turn up for the people that used to live here,got fed up returning to sender to about 20 different company's a week so I just ignore them now.

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just to clarify something, that know you know

but others might not......

 

wherever you are NEVER EVER pay ANYONE money on your doorstep

 

regardless to WHOMEVER they are.

 

EVEN A REAL BAILIFF with a warrant or LO.

 

...end off!!!

 

 

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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  • 4 weeks later...

SAR arrived today,loads of interest and late fees i'll list what they show up as

 

default fee plan interest

unpaid item charge

default fee interest

 

adds up to 138.71

 

there are also cash interest and purchase interest (these continue to show after i haven't used the card?) can i claim these?

 

what can i claim back and how do i go about it?

 

Oh and should my cca agreement have been in the SAR?

Edited by flynnsmum123
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default fees [£12] ones only

 

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

below link 3

 

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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