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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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Direct Legal & Collections


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Hi, I was hoping for some advice if possible?

 

I have had a debt with DLC for some time now and have been making a payment of £30 a month and have never missed a single payment. Around a week a go a received a letter asking me to call them which I stupidly did. After a long battle and getting no where when they started to demand the balance (in excess of £8k) which I just cant afford to pay I decide to end the call and just continue to pay.

 

Today a had a letter from them stating their intention to issue a County Court Claim and seek a charging order on my house.

 

The letter shocked my a little so I called them only to go through the same process of them demanding more money from me and in the end I have agreed to up my payments to £70 a month, change to DD form standing charge and have another review in December.

 

To be honest I just cant afford £70 a month and I think their threats may be bullying tactics and a little empty. Moving to DD concerns me but its the only way they would agree.

 

My concern is have a done the right thing and can I lower the payments if I cant manage them. What action can they take as I am willing to make payments, but only ones I can afford?

 

Thanks for reading and any advice appreciated!

 

J

Edited by jon24chris
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Hi and Welcome to CAG

 

Firstly, NEVER set up a Direct Debit, if you have, cancel it NOW

 

Second, you decide what to pay, not THEM.

 

Third, never talk to these people on the phone, there will be no record of the conversation and as you have found out, they will bully you to pay as much as you can.

 

Can you give us a brief history of the debt?

 

Jogs

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It dates back years to be honest, I had a loan offer from Halifax when I just turned 18 and being young and stupid I jumped at the chance as I had no outgoings at the time. Things started to mount up, I missed payments and around 2008 DLC bought the debt and I have been paying £30 a month ever since. Not really given it much thought until recently.

 

If I cancel the DD can they just reset it up straight away?

 

Couldn't agree more about not speaking to them, wish I had found this site before I did!

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Have you ever asked for the Credit agreement? What year was the loan taken out?

 

Did it have ppi/charges on it?

 

I would send a quick email to them saying you have cancelled the DD and remove any right they have to collect using it!

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NO, cancel the DD immediately and inform your bank NOT to reinstate it EVER.

 

Keep everything in writing from now on and keep a diary of events, especially with regards to DLC and any harassment they might decide to use.

 

Check your credit file, you can use the free 30 day trial with experian, but be sure to cancel it within the 30 day trial period.

Alternatively there is Noddle which is free.

 

When did you take this loan out, are there any charges on this which you can reclaim?

 

Are you 100% certain that this is SOLD to DLC or are they merely the clowns collecting it for shallowfax?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Advice taken on thee DD, cancelling it now!

 

The loan would have been taken out around 2003, I have no idea it it had PPI or what charges have been applied as I haven't seen a statement for many years.

 

I have never asked for the credit agreement either.

 

I am certain it has been sold to DLC.

 

Thanks for taking the time to reply!

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If this was me, I'd send the CCA request to DLC

 

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

And the SAR to Original creditor and DLC

 

http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

 

May be the best £21 you ever spend.

 

Jogs

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I am doubtful they have purchased it from shallowfax...

 

However checking your credit files should show who this is with.

 

Asking for the CCA is a good start also, if you have not been receiving a 'Statement of account' which is a legal requirement to be sent to your annually then your standing order should be reduced to £1 a month (the legal minimum token payment) as you have absolutely no idea if this is going towards the debt, or in their pockets.

 

Did you receive a default notice sent by Halifax?

 

Were you sent a notice of assignee sent from the bank informing you that they were passing this to DLC?

 

You've got a lot of ammo to bring them to their knees, BCOBS is going to be your friend here I feel....

 

Do what Jogs said....(sorry Jogs, I just love bashing this particular bank)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I am doubtful they have purchased it from shallowfax...

 

However checking your credit files should show who this is with.

 

Asking for the CCA is a good start also, if you have not been receiving a 'Statement of account' which is a legal requirement to be sent to your annually then your standing order should be reduced to £1 a month (the legal minimum token payment) as you have absolutely no idea if this is going towards the debt, or in their pockets.

 

Did you receive a default notice sent by Halifax?

 

Were you sent a notice of assignee sent from the bank informing you that they were passing this to DLC?

 

You've got a lot of ammo to bring them to their knees, BCOBS is going to be your friend here I feel....

 

Do what Jogs said....(sorry Jogs, I just love bashing this particular bank)

 

No probs, I love bashing lloyds, but any bank will do!

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Thank yo so much! I have sent both letters off with standing orders. The letters they have been sending state they own the debt. Will post back on my progress.

 

Once again thank you so much, wish I had found this website years ago!!!

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  • 1 month later...

Hi Guys, hoping you can follow up with some more advice please?

 

So far I have done exactly as you suggested, I have requested a copy of the agreement and they have failed to be able to provide it. The wrote and advised it should be with me by the 14th of August but still nothing. I also requested all the information they have on file for me to which they sent just what they (DLC) had on file which wasn't a great deal. I have since responded with a request asking them to direct me to where I can obtain statements letters from Halifax etc and again no response.

 

During all of this is still hasn't stopped them constantly calling and writing asking for more money and I have kept up my payment of £30 per month via standing order. To be honest it feels a lot like harassment now! Every phone call is greeted with "put it in writing" and every letter is greeted with a response stating that I am making payments and I am waiting for the paperwork I have asked for.

 

Not quite sure what the next step is and hoped I could be pointed in the right direction, anything to get them to stop the constant harassment would be great!

 

Thanks in advance guys, you have helped me so much

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Hi,

 

Because they have failed to supply you with a copy of the CCA within the time-scale, then the account is now in-dispute.

 

Send them this...http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

You can legally with-hold payments until such times until they comply with your CCA request.

 

Ignore the usual threatograms that a printer churns out, once again do not ring them and if they ring you, refuse to go through any security questions, just say "in writing only" and hang up.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Yes send them this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Are you still keeping a diary of events?

 

Instead of telling them 'Put it in writing' which is clearly too difficult for them to understand, simply laugh at them and hang up, repeat the process every time they ring.

 

Take the diary of events regarding their harassment to your local police station and lodge a complaint against them for the criminal offence of harassment.

 

Inform the OFT &TS also, plus Ofcom.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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With a similar DCA i got results with...

1. a letter stating "in writing only" and they were to remove all phone numbers under the Data Protection Act. Calls continued...

2. logging all phone calls (number, date and time) for a week.

3. making an official complaint to them which included the log of calls. Calls stopped... Haven't had one since. Had a "complaint upheld" letter from them with an apology.

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