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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.
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    • 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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BW/Lowell SD for old BC 'debt'


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Wouldn't be best to SAR Lowells as they have purchased the debt therefore all paperwork etc should have been passed to them upon the purchasing of the alleged debt?? I don't want to spend 2 lots of £10 if i can help it.

 

If I SAR lowell's then can i ask them to release all info they have from the original company and BWlegal - especially as BWlegal are acting as Lowell's representatives?

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Sadly the debt purchaser would have been given.. your personal details and the account details.. and that is that. Anything else they would need to obtain from the original creditor.. statements, communication log etc.

 

You will see all over the forums, where the new owners are saying.. "We will have to refer back / obtain information from the original creditor.

 

Methinks if the Debt sale were to include ALL the data concerning the account - a lot of debts would not get sold on !!

 

If the account has been in Lowells' possession for more than 18 months, then it might be worth sending them a separate SAR to see how they have managed the account. But for the main info, it will need to be the original creditor.

 

 

Wouldn't be best to SAR Lowells as they have purchased the debt therefore all paperwork etc should have been passed to them upon the purchasing of the alleged debt?? I don't want to spend 2 lots of £10 if i can help it.

 

If I SAR lowell's then can i ask them to release all info they have from the original company and BWlegal - especially as BWlegal are acting as Lowell's representatives?

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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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Sadly the debt purchaser would have been given.. your personal details and the account details.. and that is that. Anything else they would need to obtain from the original creditor.. statements, communication log etc.

 

You will see all over the forums, where the new owners are saying.. "We will have to refer back / obtain information from the original creditor.

 

Methinks if the Debt sale were to include ALL the data concerning the account - a lot of debts would not get sold on !!

 

If the account has been in Lowells' possession for more than 18 months, then it might be worth sending them a separate SAR to see how they have managed the account. But for the main info, it will need to be the original creditor.

 

If this is correct ( and I'm not doubting it ) it makes me wonder how they often start a claim just before statute barred sets in. How do they know when they haven't got details of the account ?

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If this is correct ( and I'm not doubting it ) it makes me wonder how they often start a claim just before statute barred sets in. How do they know when they haven't got details of the account ?

 

They can get information of payments from Credit Agencies. You can sign up for a free one at Noodle to see the sort of information they can gather.

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  • 2 weeks later...

I've received a letter from the court, but nothing else. Nothing fom BWlegal or Lowells.

 

I have to admint (please administer slapped wrist to me!) that I had forgotten all about the SAR - can anybody point me towards the template and instruct me on how to get a postal order and the OC??

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I have received a letter from the court and a hearing isset for the 1st Feb. I'm not sure what happens now and what I have to do andwhat do I need to say?

 

I guess I turn up and argue these points:

 

that the original company (Barclay card did not respond to my CCA request andhave never sent me anything but a copy of their term and condition, they havenever supplied an application form or an agreement with signature on - in factthey haven't sent me any application or agreement, blank or otherwise) I thennotified BC that I wished to raise a dispute against the company, which hasnever been resolve, so BC should never have sold/passed the alleged on.

 

When BC passed the debt on to another DCA when I informed them of the disputethey sent the account back to BC because of the dispute.

 

Lowell’s/BW said that they would obtain the info but again they hadn't compliedwith my CCA request (BW said they would request the info from Lowell’s but itstill hasn't been sent to me).

 

Lowell’s listed the wrong court on the stat demand (does this make the statdemand enforceable?) and point out that Lowell’s have issued several statdemands to people within this geographical area and should be aware that thatthey had stated incorrect information on the stat demand and they have a dutyto ensure the information on the stat demand was correct.

 

Lowell should have taken other routes to pursue the alleged debt - i.e. applyfor a CCJ before instigating bankruptcy process.

 

Lowell’s have gone against the guidelines set out by OFT and have abused theirpower and have used the stat demand to intimidate me.

 

Is there anything I have missed or could add to this list?

 

Is it best to write the above out as bullet points and take it to court or do Ido another witness statement listing the above in a more formal way and presenta copy to the judge and the other party - if so do I need to do this prior tothe hearing or just take it along on the day.

 

All and every suggestions and advice is very much appreciated and desperatelyrequired!!! Thank you for your wonderful help, support and for sharing yourknowledge with me xxxx

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You are there to fight your corner....with regards to the wrong court, then it can possibly be an abuse of process, but this does depend on the judge as they can vary wildly. If they haven't supplied a full portfolio then you can argue the high court cases/relevant parts of the Consumer Credit Act which hopefully you will have read off these forums. The judge will have your 6.5 already, so you may not be able to add a further witness statement. Do you have any statements at all ? you could check if the statement interest matches to the terms and conditions (read Kotecha vs Phoenix)

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I'll have to try and dig out the old statements.

 

I have read up about the CCA side of things, but i'm not geting my head completely round it all. Can you suggest a good thread to read through that could help me inderstand things and know which points are the most relevant to push in regards to getting this Stat Demand set aside?

 

Thank you for your help - i really appreciate it.

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the thread #19 was re the wrong court which the judge didn't seem to like. also, there was mention by j of any cca request/communication prior which i believe in your case you have an outstanding cca request prior to the sd? so, mention the wrong court, dispute prior re cca request, and anything else re any disputes and any poss counter claim.

there are quite a few sd threads, have a read around.

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  • 2 weeks later...

My court date is Friday and I am obviously very concerned and frightened about what is or isn't going to happen.

 

Please could anybody offer any advice on what I need to take and what I should do to make sure i prepare myself properly for Friday please?

 

These are the points I intended to argue to get the stat demand set aside - all thought/suggestions are extremely welcomed and deeply appreciated.

 

 

Barclay card did not respond to my CCA request made in 2009 and have never sent me anything but a copy of their terms and conditions, they have never supplied an application form or an agreement with signature on - in fact they haven't sent me any application or agreement, blank or otherwise)

 

I notified BC that I wished to raise a dispute against the company, which has never been resolved, so in accordance with OFT debt collection guidelines BC should never have sold/passed the alleged on until they had resolved the dispute.

 

When BC passed the debt on to another DCA when I informed them of the dispute they sent the account back to BC because of the dispute, so a dispute with BC has been recognised by other DCA.

 

Lowell’s/BW said that they would obtain the info but again they hadn't complied with my CCA request BW said they would request the info from Lowell’s but as to date I have not received any information regarding the alleged debt from either Lowell’s or BW

 

BW/Lowell’s listed the wrong court on the stat demand. Lowell’s have issued several stat demands to people within this geographical area and should be aware that that they had stated incorrect information on the stat demand and they have a duty to ensure the information on the stat demand was correct. I felt this lack of care and mis information was negligent on their side and caused me a great of confusion as I had to research which was the correct court. As solicitors I feel they should have ensured correct information was used.

 

Lowell have not taken or discussed any alternative options with me in respect of settling this alleged debt. Why did they apply for bankruptcy procedures when other options were at their disposal first – such as an application for a CCJ before instigating bankruptcy process?

 

Lowell’s have gone against the guidelines set out by OFT and have abused their power and have used the stat demand to intimidate me and have not given me the opportunity to resolve this issue.

Barclay card did not respond to my CCA request made in 2009 and have never sent me anything but a copy of their terms and conditions, they have never supplied an application form or an agreement with signature on - in fact they haven't sent me any application or agreement, blank or otherwise)

 

I notified BC that I wished to raise a dispute against the company, which has never been resolved, so in accordance with OFT debt collection guidelines BC should never have sold/passed the alleged on until they had resolved the dispute.

 

When BC passed the debt on to another DCA when I informed them of the dispute they sent the account back to BC because of the dispute, so a dispute with BC has been recognised by other DCA.

 

Lowell’s/BW said that they would obtain the info but again they hadn't complied with my CCA request BW said they would request the info from Lowell’s but as to date I have not received any information regarding the alleged debt from either Lowell’s or BW

 

BW/Lowell’s listed the wrong court on the stat demand. Lowell’s have issued several stat demands to people within this geographical area and should be aware that that they had stated incorrect information on the stat demand and they have a duty to ensure the information on the stat demand was correct. I felt this lack of care and mis information was negligent on their side and caused me a great of confusion as I had to research which was the correct court. As solicitors I feel they should have ensured correct information was used.

 

Lowell have not taken or discussed any alternative options with me in respect of settling this alleged debt. Why did they apply for bankruptcy procedures when other options were at their disposal first – such as an application for a CCJ before instigating bankruptcy process?

 

Lowell’s have gone against the guidelines set out by OFT and have abused their power and have used the stat demand to intimidate me and have not given me the opportunity to resolve this issue

Edited by yourturntopay
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Very bizarre - i've just received through the post this morning a letter from BW, which states here are the enclosed doucments as requested and attached is copy statements from March 2009 to August 2009 - nothing else!! No statements from when the account was oppened, just the 6 months of statements. I can't even rememe when i openned the account, so there might be PPI on the earlier statements but as i have never received them I can't tell.

 

What use is 6 months worth of statements to the Stat demand application - both from ther point of view and mine?

 

They show a lot of £12 charges, so i don't know if that's of any help but I still have nothing connected to the CCA request - no application form or agreement, and nothing showing my signature.

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I am sure someone will be along to help soon.

 

You will need to take all the paperwork you do have in connection with this claim/petition. Take an extra copy with you as well just in case the opposition or the Judge have misplaced their copy ?

 

There have been one or two major successes just recently where Lowells and their stat demands are concerned. It might well be worth your having a read of the summaries to see how those were set aside :)

 

I will go and find some links for you.

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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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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You need to puff up your chest, find your resolve and not be bullied.....know your stuff as best as you can, if they want to talk to you before the hearing, be warned, say you will just listen.....it has often been the case where conversations in the waiting room have been carried over to the court room, and you see a different side of a solicitor in a court room....hopefully you will know more about the Consumer Credit Act than they will....call the judge sir/madam, don't interrupt, but get your points across firmly and speak a little louder than normal if you have to....remember to refer to High Court cases if needed eg Kotecha vs Phoenix, Jones vs Link

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I've jut realised that i've screwed up and I really need some urgent help please as I'm not sure how this affects things for today's set aside hearing and I'm in an absolute panic. My hearing is at 2pm today and I couldn't sleep through anixiety, fear and dread of what will hapened today.

 

This account was never a sky card but a normal barclaycard. I had a sudden memory moment and realised that i had confused the two.

 

I have now found the original paperwork regarding the dispute to Barclaycard and I had i took the account in April 2004. They sent me a letter on 26 March 2009 stating that they had met the CCA requirements by

 

Sending a copy of your originl BC agreement at the time you opened the account.

What my balance was

What the credit limit was

Next miniumum payment

and state that the T&C will will be sent under a seperate cover.

 

However what they atually sent was a photocopy of T&C which is headed as Barclarycard Conditions - credit agreement regulated by the CCA 1974 but the application form/credit agreement was never attached to the letter on the T&C (which do not give a date on them, so I have no idea when these T&C were actually in force and are relevant to the time I tok out the card. There is a blank cancellation box on the bottom of one of the T&C pages, but there are details in there, no accoutn number, name etc. The T&C make no reference to me, my name isn't on them anywhere, nor is there a account number, credit limit - they are just T&C's and I can't believe that they think that consitutes a credit agreement

 

In reponse to their letter I sent a further letter on 31 March 2009 stating that they defaulted on the CCA request 21 March 2009 and that i still required a copy of the credit agreement as there was not one included in the paperwork they sent me. The acutal phrase I use was

 

"My request remains outstanding, the supplied documentation does not consitute a true copy of a cedit agreement (as no credit agreement was enclosed) and that which you did send doesn't even contain all the prescribed terms and is not properly excuted.

 

I have a letter that i sent to them that informed them that they also had not sent a default notice to me.

 

A further letter from BC was sent to me on 30 September stating that as far as they were concernd that they were "satisifed that the documents already provided to me have discharged out obligations under the CCA act and are not obligation to provide any further information to me in this regard." The T&C's included wg

 

In October 2009I received a letter from calders which claimed they were authorised to act on BC's behalf to collect the alleged debt. I sent them back as Dsipute letter and they sent the account back to BC.

 

In August 2010 they sent yet another copy of terms and conditions, which are undated and totally different to the ones previously sent! They also say that they were satisifed that the documents altready provided to me have discharged out obligations under the CCA act and are not obligation to provide any further information to me in this regard.

 

This was thr last I heard from them until Lowwlls joined in.

 

I've never had a defalut notice, nor a NOA.

 

My argument today is basically BC never complied (not have lowells to that matter) met the required obligations under the CCA request and therfore the enforceability of this debt is in question as the required dcumentation has never been sent to me

 

I have not receivved a default notice of asginment and therefore ask if the clamiant has the authority to request payment

 

That the stat demand listed an incorrect court therefore has failed to to comply with the insolvency rules

 

Lowells are abusing their power and not following OFT guidelines in respect of debt collection. Lowells should have explored alternative procedures 9suchbas applying for a CCJ) before resorting to insolvency as a first choice.

 

That i respectful ask the judge to consider settig the stat demand aside and award costs against the claimant as the applcation of a stat demand was uncessary and has caused me time and money to defend - i.e cost of attending court twice (to drop off paperwork and attend the hearing) Time off work for hearing, photocoping and time spent researching my defence and preaprign for the hearing.

 

If the courts agree with me and do dismiss the stat demnd and entertain the request of costs what costs would be reasonable to ask for?

 

Now considering the other side of the coin, what hapens if the judge does not dismiss the stat demand - what should I do and what is the best way forward?

 

Thank you so much, I really appreciate your advice, support and wisdom - thank you very much for helping me.

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