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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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Experto/Varde now Arrow/Shoos Claimform - old MBNA card debt


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MBNA send out defaults 2nd class mostly UK Mail and their defaults are mostly wrong, they have been proven I understand in a court case to be sent 2nd UK mail? and in a lot of cases quoting the full amount and not the arrears, the time allowed usually incorrect.

 

sure others will respond for you.

:mad2::-x:jaw::sad:
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was that not in harrison?

 

UKMAIL big S on the env is second class

 

it takes 5 days to enter royal mail

 

then 4 days to be delivered as its S . 2nd class = upto 9days

 

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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Did you not keep the envelope ? When was your DN mailed to you, or did you not receive one at all ?

 

According to robcag in an earlier post - it is irrelevant whether it was sent 1st or 2nd.. the DN was short on service time anyway..

 

Umm, time for submitting a defence.. have you agreed an extension, because you say you received the Claim on 11th October.. when was the issue date !! I think you might have missed the submission date !!

 

Unless you have agreed an extension of time - then the date to submit is 33 days from date of ISSUE.

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The solicitors stated that I had until the 19th November to submit a defence. I have done so by submitting an embaressed defence.

 

No I did not keep the envelope for the default but I do remember it was UK Mail. I received this on the 14th October, date of issue 9th October.

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  • 5 months later...

Received a letter from the court and Arrow. They have now sent a copy of the default notice, claiming the full amount. I understand that this is defective. A copy of the application form, no t@c's, a note that they are unaware of any proof of postage required for when the debt is sold to another lender and that is that.

 

Have been asked by the court to submit a defence by 29th April if I have any issues with what they have supplied.

 

Any quick advice would be great, especially regarding there default notices, application form and so on.

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Ok, well the DN is definitely defective - they can only ask for genuine arrears.

 

I will alert andyorch re your defence.

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

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A further defence is only required if you have issues with what they have disclosed Roy.

 

Perhaps scan in( less any identifiable data) for posters to view and comment.

 

Regards

 

Andy

We could do with some help from you.

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This is the default notice and application form. I orginally submitted an embarressed defence. Does this mean I have to amend this. Had no t&c's or anything else. The amount in the default notice was the full balance. I read somewhere they can ask for full amount after 6 months, which this is for.

mbnafullbof.pdf

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They can only ask for genuine arrears in a Default Notice.

 

In the terms and conditions - is there a clause 8f which they refer to in the DN ?

 

If they wish to call in the whole outstanding balance, then they have to proceed in a different manner. They tried this in Harrison v Link. They suggested that they would be able to simply request the full amount.

 

The Judge disagreed with them, having gone down the default method of s87(1) then that is the route they had to go. They couldn't "change horses midstream" so to speak.

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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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Received a letter from the court and Arrow. They have now sent a copy of the default notice, claiming the full amount. I understand that this is defective. A copy of the application form, no t@c's, a note that they are unaware of any proof of postage required for when the debt is sold to another lender and that is that.

 

Have been asked by the court to submit a defence by 29th April if I have any issues with what they have supplied.

 

Any quick advice would be great, especially regarding there default notices, application form and so on.

 

So you have been advised to submit a supplementary defence by the 29th April, based on information you might have been supplied with AFTER the original defence was submitted, yes ? I don't know whether you would need to do this by way of a Witness statement or not. You will need to wait for andyorch/donkeyB to comment on this.

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Uploading documents to CAG ** Instructions **

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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.

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You dont use a form if its the DJs Direction...simply file and serve on the defendant.You wont get costs for submitting a particularised defence.

 

Regards

 

Andy

 

PS You need to switch off your caps lock.

We could do with some help from you.

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You dont use a form if its the DJs Direction...simply file and serve on the defendant.You wont get costs for submitting a particularised defence.

 

Regards

 

Andy

 

PS You need to switch off your caps lock.

 

Off!.

 

So I just fill out in the standard format Me V Arrow Global and so on. Do I title it witness statement.

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Yes and no....you have to submit it manually as opposed to the one you did on MCOL so it requires an header /Court name/Claim number and headed as as Particularised Defence and finish with a statement of truth.

 

Its not a Witness Statement...that comes further into the process.

We could do with some help from you.

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  • 1 month later...

My defense went in as ordered by the court. The judge then ordered Arrow to submit a defense too. The deadline for this to be in was almost three weeks ago and neither the court nor myself have been served with anything. The court now has asked me to write to them. Can anyone suggest a letter and can I now get this struck out on the basis that they have failed to comply with a court order. (Can I get costs too?)

 

Want to get this in asap.

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Will leave a message for andyorch for you.

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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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Roy, I asked andyorch what you would need to do.. could you please advise whether there was a General Order from the court as asked below..

 

 

recent changes to the CPR has tightened the sanctions for not complying with orders...I would of assumed that the Court could do it of their own initiative....was there a General Order issued containing the above order with further info on none compliance?

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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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I sent an embdaressed defense. They then ordered Arrow to send the default notice, and credit agreement over to me. When received I was ordered to submit a new defense which I did. They then asked Arrow to send in one. This has never been done.

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I think you misunderstand.. you said the court has asked you to write to them.. Did they say this to you on the telephone or have they sent you a letter (General Order) from the court asking to you do this.

 

If so, can you let us know exactly what was on the General Order.

 

Also, you had a letter advising that you had to send a defence, AG had to send you a default Notice and they also had to send a defence as well. That would have been conveyed to you on a General Order. Did it say there would be any penalty for non compliance ?

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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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Righto.. so no sanctions.

 

In which case I imagine the court is asking you to either write or make an application to have the claim against you struck out as the opposition have not complied with a court order.

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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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