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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Debts & Creditors - Please help


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Hi

 

I'm new to this so I apologise if I'm posting in the wrong place.

 

I have 2 outstanding unsecured debts

- one originally from the halifax and one was a barclaycard

 

- I started to struggle to repay the debts in 2004

 

in 2005 I started a re-payment plan with both companies.

I got married in 2007 but the debts are solely mine and nothing to do with my husband.

I made the repayments with both companies until I started on Maternity leave in 2010 and could not afford to continue with the payments.

 

After returning to work in May this year i have lost my job and have started to claim benefits, my husband also claims benefits as he lost his job in 2009. we claim as a couple and for our child.

 

what I want to know is

- I have received a budgeting plan from one of the creditors but am unsure how to complete it as we claim as a couple and our household bills are for both of us

- but the debts are only mine

- do I include all the money we receive or split it to show just my income??

 

Thanks

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yes fire off a couple of CCA's

 

poss an sar to each as well

i bet you've got PPI and/or PENALTY charges to reclaim

 

i per would NOT send any pers financial details

only a judge can demand that.

 

what does your CRA file say about these debts?

 

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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Thanks for the replies

 

Yes they did have PPI on them but after speaking to a couple of the PPI Claims companies they said any refund would just be taken off the debt and I would have to pay the PPI claims companies for the collection so I have not started any claims.

 

What is a CCA??

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Thanks drop47

 

I wouldn't know where to start with the PPI claim but will definitely look into it.

 

Will the collection agencies have the original agreement as the debts have been passed over to a few since they were with the halifax & barclaycard

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good well done.

 

the PPI

 

well i'm surprised a reclaim company actually said that!

 

better than most.

 

it might not be the case

esp if the debts have been SOLD.

 

pull my chain on the PPI

dont loose +30% to a company

 

its easy.

 

now these CCA's

send them to whomever is shown as the owner on your cra file for each debt or

whomever you are/were paying [if a dca]

or the LAST company to chase the debt.

 

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

  • 4 months later...

Hi all

Just an update on the above.

 

I sent off the letters and got replies -

 

Halifax Debt - got reply at the end of September stating the debt had been passed back to HSBC and I should receive a reply from them

 

Barclaycard debt - I received a letter stating the info i needed had been requested from another collection company

and as soon as I receive the info I need to pay off all the money owed (this was the 11 October)

 

Since then I have not received any letters or calls from either company!!

 

Does this mean I don't need to do anything more (to be honest I was just glad to have some breathing space)

-or should I chase them up for the info (as i dont want things to spiral out of control again)

Thanks

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fire off the failure to comply letter to anyone that has not supplied a confirmed enforceable CCA within 12+2 days

 

stop any paymnts to those people

 

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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