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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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advantis credit limited for lowells - old cat debt


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This morning i have just recieved a letter from advantis credit limited.

 

The letter states that "theit client" has instructed advantis to undertake debt recovery action against me.

 

There client is "lowell group"

 

this is a debt i have let get buried quite some time.

The actual debt is from a shop direct catalogue from some time ago, but can't remember the exact details.

 

The letter goes on to say

" if we do not hear from you within 7 days they may take further action against me"

 

then the letter goes on to say we'll apply for a county court judgement and it will harm my credit in the future.

 

Can someone give me a bit of advice on what to do with these?

 

they have started phoning me up but only leaving a message as i'm never really in to answer the phone.

 

 

I know the next time they ring and i answer the phone i should tell them not to phone and only contact me through letter.

 

can anyone direct me to what letter i should send back to them?

 

by reading through the forum i assume i can claim back charges from shop direct,

not sure what charges are on there but... i know there is quite a few.

 

this is the first letter from advantis, i have had letters from lowell but i've always just binned them. (they never contacted me by the phone, just through letter)

 

Help is appreciated.

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nevr talk to a fleecing DCA

 

if its an old cat account

it'll be 90% PENALTY fees

 

is this on your cra file?

 

see below

 

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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oh and read the threat-o-gram PROPERLY

 

it does not say WILL

 

every word but.

 

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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nevr talk to a fleecing DCA

 

if its an old cat account

it'll be 90% PENALTY fees

 

is this on your cra file?

 

see below

 

dx

 

 

No, i can't seem to find it on my credit file. Just checked it.

 

i'm subscribed to the checkmyfile credit report.

 

What would be the way forward?

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Trouble is check my file uses 2nd hand data and can be out of date.

 

When was the last payment or written acknowledgment made on the account please?

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

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Would be checking on the age of the account, the Qs asked in post 5.

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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Trouble is check my file uses 2nd hand data and can be out of date.

 

When was the last payment or written acknowledgment made on the account please?

 

I'm not actually sure, when the last payment was made. but i know i've never made a payment to lowell or these ever. i've also never acknowledged to them in writing, this account is old, i'd say around 4 years old. could be even older, but i'm not sure.

 

what would the best way be, to find out how old the account is?

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I would suggest checking on of the proper credit reference agencies Experian ( Credit Expert) and Equifax have 30 day free trials, if this in not on those it a more than fair chance the account was defaulted more than 6 years ago and possibly may be statute barred.

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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just found on equifax that this account was actually closed on the 4th of january 2012, it also tells me that the default balance was £184, and now the balance is £400+ when it was closed.

Sorry posts crossing.

 

Closed by the creditor, and taken over by Lowell?

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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ok time to get an sar off

 

whos the cat company.

 

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

Sorry posts crossing.

 

Closed by the creditor, and taken over by Lowell?

 

Figured that.

 

Nope, all it says that is was closed "Closed 4 January 2012 (balance £412)" and the actual default balance was £184, there is nothing regarding lowell or anyone else.

 

Is there any template for a cca to send to advantis?

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ok time to get an sar off

 

whos the cat company.

 

dx

 

I think it's littlewoods or additions, i cannot remember, all i have on my credit file is "mail order agency" going through my paperwork i cannot find any reference for who the debt belongs to! I think it's additions though.

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Yep in the Cag library CCA Request.

 

As dx said also a SAR to the catalogue company Is needed, there us also an excellent template for this.

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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The Loan Company

 

Company House,

 

Church Street,

 

Newtown,

 

Kent,

 

R1 7HG

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 4563210025897412

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

............

 

 

cca request

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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