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    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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statutory demand under section 268 1st credit finance


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i have been served today with the a statutory demand, by 1st credit,

trading as connaught collections, and given me 18 days to reply to the notice sent recorded delivery,

and demand for payment of £3800 ,

 

this is a credit card debt, which was placed in legal dispute with bank of scotland 2 years ago,

after i had the account audited by a claims management company,

 

it would seem the bank of scotland have sold the debt on yet again,

But this is first time i have been issued with this,

my problem is i can no longer get any contact from the claims management company

and i am in a real panic over this, and i really not sure what to do next,

i would be very grateful for some advice,

 

as some say the statutory demand is another form of a threat,

but i am taking this serious, as they advise me i have to apply to the courts,

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hi there really need some help and advice,

recorded delivery today given me 18 days to reply to a statutory demand under section 268(1)(a) of the insolvency act 1986

debt for liquidated sum payable immediately,

 

this was issued by 1st credit finance ltd, trading as connaught collections,

 

its in relation to a credit card debt for £3800, t

 

he debt was with the bank of scotland,

 

and has been in legal dispute for some 18 months,

since i had the account audited by a claims management company regulated by minstry of justice,

its quite clear bank of scotland have sold the debt on,

 

my concern is i have not been able to get any contact from my claims management company,

and i have 18 days to respond to this,

 

i would love some advice on how to go forward with this,

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what were the CMC doing ??

 

investagting PPI reclaim or one of these spoofers that told you the CCA was un-en?

 

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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hi there,

i have had this account for some 15 years or more,

i had the accounts looked into for ppi as well as over charging,

 

the cmc found that i had been over charged from interest rates to, late payment charges etc etc, and over a long period of time,

 

so the dispute started with asking for copies of orginal agreement etc,

and to be honest i have had 18 months or so of non stop harrasment from the bank of scotland,

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well dump the CMC as you can do what they do for free!!

 

anyhow.

 

you'll need to set aside the SD.

 

ideally and under current laws the SD must be attempted to be served IN PERSON to you?

 

had any doorsteppers?

 

not par chance got all the statements going back to its birth have you?

 

i've alerted you thread

 

me thinks this is a case of an SD beig used as a debt collection tool which is not on

 

however you'll still need to set it aside.

 

i've moved your thread to the legal forum

 

plenty of SD threads here to read or type in set aside SD

 

in our search top right.

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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hi many thanks for the info,

 

and yes i had all the statements and original agreements, going back to the start,

 

these were given to the cmc, and reason for the dispute, the stat notice was send recorded delivery via courier,

i have had some door knockers but they were warned off ages ago,

as i never made or agreed to an appointment,

as they got the standard warning letters to this fact,

i agree with you

 

i will have to get this set aside,

and i assume at the court they list,

i was just not sure what to say,

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ok francis the troopswill pick this up in the morning

 

you say you 'had' all the statements...still got them?

 

they could be useful for reclaiming and a counter claim i think

 

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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hi,

in regard to the statements,

 

the cmc company has all the paperwork, and i am chasing the company to find out whats going on,

 

i assume i have 18 working days to submit the set aside with the court,

would you advise seeking a solictor to word the set aside

 

my other concern is that is states i need to reply to this within 18 days,

and also reads like i have to advise 1st finance to what i am doing,

 

is there a legal requirement that i have to advise 1st finance ,

or just the court, as far as i am concerned i am still dealing with bank of scotland and not 1st finance,

as i have not even been advised by bank of scotland of selling the debt,

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i have downloaded yours forms to have this set aside, your site is superb, i am just really not sure what to say in terms of defence,

 

ok francis

 

the w/end will be a bit quiet

 

but if you hit an issue

just click the report triangle below your msg

 

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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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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1st Credit were well known for issuing stat demand and got a warning back in 2009 for the way in which they did it....more recently at the slightest hint of a dispute (which you clearly have and hopefully have documented) they normally step away and withdraw the demand. Although I detest this practice, if you contact them (and I would only suggest you ringing them if you can record the calls) I would state that this has been the subject of a dispute since XXXX which has NOT been resolved. IF you apply to set aside the demand in this situation then they will withdraw, to save you some time, you can either call the person named on the demand (but record the call) or drop them an email stating this.

 

Dear Sir / Madam

 

I have on (date) been served with a statutory demand.

 

It is my intention to set this aside at my local court, What I find most disconcerting is that it seems the original creditor have NOT made you aware of a major dispute that was highlighted back on (date).

 

If I do not hear from you within 7 days of the date of this (letter/email) I will have no hesitation in producing both this correspondence and details of the dispute when the issue of costs arises.

 

I trust this makes my position completely clear and I await your reply which should be dealt with in the most timely of manners.

 

Yours faithfully

 

(don't hand sign if writing by post and do send recorded)

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hi there many thanks for the help, i think i will e-mail your letter in, and take your advice, my major concern is that the cmc who have been acting on my behalf have all the details and records in relation to this, i have now made contact with the minstry of justice as i can no longer seem to get

any contact from this cmc company, can i also check with you with the wording below,

 

It is my intention to set this aside at my local court, What I find most disconcerting is that it seems the original creditor have NOT made you aware of a major dispute that was highlighted back on (date).

 

is the date above the date that 1st credit took over my account from bank of scotland, as stated on the stat demand, or the date i started the disbute with bank of scotland,

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hi i have the form, and going to start filling in tonight, first time for me, i am sending the letter you posted on here me them via recorded

delivery, thank for the court list very helpful, i will come back re the form if i run into trouble, thank you so much for the advice and help

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Hi Francis,

 

I emailed the letter above from 42 Man, last Monday and got this letter through the post from Connaughts:

 

"I write further to your XX October 2012 electronic Mail in realtion to the above matter.

 

The contents have been noted, and we confirm that we formally withdraw the XX September 2012, and would advise that we are not aware of any dispute in the mattter.

 

I would be grateful if you could forward me details of your dispute so in turn I may make enquiries of the origional creditor.

 

We confirm that no further action will be taken against you by us until the matter has been resolved.".... and the bad grammar is not mine.

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