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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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Capquest Letter


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@renegadeimp : The crapquest letter says that they have bought this account from OC

 

@zoeturner : I will report the letter to the OFT but should i call crapquest first to argue about this ?

 

@CitizenB : I can do the SAR to the original credit card company but they might pass on my details to the debt company and i might end up automatically acknowledging the debt ? Please suggest

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@renegadeimp : The crapquest letter says that they have bought this account from OC

 

@zoeturner : I will report the letter to the OFT but should i call crapquest first to argue about this ?

 

No...do nothing with CQ until you are sure of your dates

 

@CitizenB : I can do the SAR to the original credit card company but they might pass on my details to the debt company and i might end up automatically acknowledging the debt ? Please suggest

 

You have already been advised that a SAR does not acknowledge a debt

 

 

ims

 

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thanks for the advice ims21 .

 

i am doing the SAR to the credit card company. Anyone knows the postal address for M&S money for the SAR request and whom should the Postal order be addressed to ? I found this link posted back in 2009 - http://www.consumeractiongroup.co.uk/forum/showthread.php?235780-M-amp-S-Subject-Access-Requests .

 

One thing i really want to focus on is to try and clear off this debt, i dont want to delay it anymore. Please feel free to make any suggestions on this. I am not sur ehow this SAR from credit card company is going to help me out! I really need to be talking to the current account holders i.e. debt collectors isnt that right?

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If it is SB (which is what you want to find out) you won't need to pay anything.

 

The SAR to the card company will give you the details on when the last payment was made.

 

At this point you really should not be entering into anything with the DCA.

 

Your SAR should be addressed to the Data Controller at their registered office address, Kings Meadow, Chester CH99 9FB.

 

Postal Order made payable to M&S money with a note on the back saying that the payment is for SAR purposes only and is not to be used for any other purpose.

 

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thanks for your quick reply 'ims21'

 

going to the Post office this evening to send the SAR out to the credit card company. will keep you guys posted. Thanks a lot again to everyone who has given me the suggestions to handle with this. I understand its only the beginning of my case but you advice has really helped me to absorb the shock and stress of this. With you support and advice, I really want to deal with it this time and no more temporary escapes.

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  • 3 weeks later...

Guys, i am back :)

 

I had sent the SAR to the credit card company a few weeks back. They sent me a letter confirming my address to which i replied back. So, i guess it will take 40 days from my last correspondence to the credit card company.

Now, As expected, Crapquest has sent me another letter threatening me the legal action, Its from H L legal saying that if i dont pay the full amount by xx date, they may start court proceedings against me. They are also saying that more cost will be added to the debt i.e. court cost and solicitor costs etc.

How do i handle this now? Just stay quiet until i hear back on my SAR request from the credit card company. Then i can be sure of when exaclty i paid my last money to them i.e. whether the debt is SB or not !

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And I bet that threat letter is full of "May", "Could", "Might" etc....not "Will"

 

you are abs right 'ims21'

i think i should just wait for the reply to my SAR right! and not engage in any correspondence with Crapquest

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  • 2 weeks later...

hi guys

i am back here :)

i have received another letter fom crapquest offering me around 24% of discount if i set up payment arrangement with them within two weeks for the debt in question. I have ignored their last two letters. So, i am not sure why they are keen on offering me this discount.

Apart from that , i am still waiting for a reply to my SAR from the credit card company.

Please suggest what should i do?

I guess just keep waiting and ignore this crapquest letter ! ?

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Discount means a bad debt. End of.

 

Now you have a ton of negotiation power to use.

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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Whatever you do with this, your credit file, if you came to a full/final discount offer would still show but satisfied you could ask for it to be removed but you would be unlikely to get them to do that., so which way you go is up to you, they might as they have done in the past sell it on very soon if you do not come to an agreement with them, until its statute barred.

:mad2::-x:jaw::sad:
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Like the guys say ignore shatquests threatograms. The sar will be ammuntion to the latest phantom payment tactic that some dca's are fabricating to try to stop the debt from hitting statute barred. You will have proof that what they claim is lies of which will do them no favours

If i help feel free to click star on my post. cheers

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How much longer do the Original Creditor have to comply with the SAR ?

 

Have you checked that the letter was delivered (RM Website) that your Postal order or Cheque have been cashed ?

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks for your replies everyone

yes i have checked the RM website, my SAR letter was delivered to the credit card company. However, i have not checked whether they have encashed my Postal order or not yet. I will go to the post office this afternoon to see if i can check this. I do have all the receits with me. The credit card company has about another 20 days to comply with my SAR request.

 

In the meantime, any suggestions on how should i deal with crapquest letters or not at all !

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You will probably end up having to telephone the Post office to find out if the PO has been cashed. The number is now.

 

08457 22 3344 (option 5)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks 'CitizenB' . Yes, the Postal order has been encashed by the credit card company. I have just rang up 08457 22 3344 (option 4, then option 5) and they confirmed it.

So, shall i just hang on to it for a little while....i guess my first priority should be establishing whether the debt is SB or not!

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Yes, if they have 20 more days to comply then there is little you can do.

 

How did you use to pay the account - if by direct debit or debit card, are you able to check old bank statements !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Sounds like a sar is in order.

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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  • 8 months later...

Fellas

 

Need some help here.

 

I have rec'd a 'Pre Action Conduct' letter from Crapquest. Letter is basically saying that if i don't contact them to settle the amount, they will take the matter further into court. They have sent letters to me in the past but i have kept ignoring them.

 

  • Type of debt - Credit card

 

  • Last Payment made - Dec 2006

 

  • I have never made any payments nor accepted the debt (verbally / in writing) with any collection agency since i made the last payment.

 

  • I did SAR August last year from original credit card company and they sent me a whole bunch of documents containing all the transactions etc.

This crapquest even offered me a discount in their last letter which they sent me last year around Sep/Oct time.

 

Last time i checked, this debt doesnt even appear on credit report. Please suggest me a company where i can re-check my credit status just for reassurance.

 

Please suggest what should i do now ?

 

As always, i appreciate your time and advice.

 

Regards

Steady

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I don't quite think that is the purpose of the "Pre action" protocol.

 

Have a read for yourself.

 

 

http://www.justice.gov.uk/courts/procedure-rules/civil/protocol

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If the last payment was Dec 2006 and there has been no acknowledgement inb writing since then it is Statutory Barred which is an ultimate defence to any court action.

 

Does their letter say "Will" or is iot full of "May", Might", "Could" etc.?

 

Capquest will almost certainly not be the owner of this debt. Who are they acting for?

 

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The credit reference agencies are..

 

Equifax

Experian

Call Credit.

 

It is my understanding that Noddle has an overview and is probably not as accurate as the others.

 

Do you know when you made the last payment to this account? If it doesn't appear on your files, then 6 years have passed since the default date. However, statute barred runs from the first missed payment which is generally around 3 months earlier.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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