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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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Refresh my memory did you entitle the letter LBA or Formal Complaint?

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Corrections, I am going to move the last few posts to your main thread.

 

Remember, ROP is not PPI and if you recall, the charges claim and ROP are two different claims.

 

I'll respond more fully when I have moved these posts.

 

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So, ROP is not PPI although you can reclaim it of mis-sold. If you are planning to get fos involved with this then you are going down the regulatory route and they will have 8 weeks to investigate before you can get fos involved.

 

For the charges, fos will not be interested. Accordingly the route you should be considering is the court route which is the way nearly everyone who wants to claim their charges back has to go. For this you set the timescales, not them.

 

dx gave you the preliminary letter for charges above which I assume you sent off. If they do not reply within the 14 days then you send them a 7 day lba and if they still don't cough up then you sue them.

 

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The lba will be for the charges and not the ROP.

 

It is basically the same as the prelim with the figures updated to reflect an updated spreadsheet with the "claim to" date set to today. The changes to the text will be that you head it "Letter Before Action" and put a final paragraph to the effect that if they do not pay within 7 days you will issue in court without further recourse to them.

 

As always, only threaten court of you intend to go through with it and are prepared to argue your case before a judge.

 

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ok thank you ims21

 

Obviously im apprehensive about going to court. But if it means getting my charges back I certainly will. They still have 6 days to respond until my 14 days are up. Guess Ill just wait. Cant see me getting a response though

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Nope...they will not refund the charges without a fight. I hope I'm wrong though.

 

If you do end up issuing, they may cave in before court but you should certainly work on the basis that you will have to appear in front of a judge.

 

Have you done your reading around the forums to see how others have got on with the various banks? If not you might like to do so as there is wealth of information here on how to go about it, how to prepare etc. etc.

 

Have a look at the success threads to give you a boost.

 

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http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**

 

and link 3 below too

 

ask if you want help

 

dx

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

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1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

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- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

 

 

 

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RIP Martin3030

rant.gif

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 all (again)

 

I had a letter today from Vanquis with regard to my PPI/ROP claim.

 

Personally I cant make head nor tail of their reply.

 

Ive had the account since 2009. And, after stopping payments it was sent to Lewis Group DCA.

 

I calculated that I have paid £308.43 in ROP and £204.07 in interest with a total of £512.50.

 

I sent the template letter dx gave me and this was their reply:

 

OPT OUT OF REPAYMENT OPTION PLAN

 

We confirm that your request to opt out of the plan has been actioned.

 

No plan charges will be made to your account.

 

If you opt out of the plan within 30 days after receiving the information on the plan, any charges that you have paid so far will be refunded to your account.

 

I dont have an account with them, because it has been closed and passed to Lewis DCA.

 

And I have not asked to opt out, I have told them I was mis sold the plan and want my money back?

 

Can anyone help with this one?

 

Thanks

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Ok are Lewis acting on behalf of Vanquis or has the account been sold.

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Ive had numerous threatograms from lewis. But ive put the claims direct to vanquis and also informing lewis that account is in dispute.

 

Could be Lewis has passed the account back to Vanquis, so I would write to VANQUIS and ask what this is all about having not made such an application.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I wrote to vanquis with the ppi claim. i had a reply from vanquis a few days ago saying they have 56 days for the investigation. Then i received this from vanquis today. I dont understand it?

 

I agree it does seem odd.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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#41 on this post is the letter (PPI one) I wrote. It does not answer my letter in anyway shape or form. It basically says I have opted out, which I did not ask. Any idea on what my next move should be? because Im totally lost now.

 

Thanks

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#41 on this post is the letter (PPI one) I wrote. It does not answer my letter in anyway shape or form. It basically says I have opted out, which I did not ask. Any idea on what my next move should be? because Im totally lost now.

 

Thanks

 

Hi C34 I'll read all the thread again and see what I can suggest, so will get back to you later.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I would suggest that this is a side event of your reclaim.

 

obv you don't want it anymore.....

 

await the result of the reclaim

 

your cra file will tell you who own 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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That clarifies and makes it all a lot clearer, as dx says wait for outcome of PPI claim.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi guys

 

Sorry i dont mean to sound stupid but ive never done anything like this. So what that is, is a generic letter saying ive opted out. And I should now wait upto 56 days for an answer on my claim. If i do not then take action from there?

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