Jump to content


  • Tweets

  • Posts

    • 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.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Idem Claim form - Lloyds Loan -***Claim Discontinued***


Tiredngrumpy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3260 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

as soon as you get a claimform

 

theres no harm in sending another CCa request

either

even though it might not be applicable

or you've sent one before the claim arrived

 

as theres a doubt here it IS a bank account

 

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... 

Link to post
Share on other sites

  • Replies 106
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks DX,

 

Regarding the doubt over the type of account here,

 

I'm 99% certain this IS in connection to loans.

 

The SAR info suggests so and so does the PPI paperwork.

 

"Oleg" also picked up on this point in an earlier post

 

and point 3 of their statement of particulars rather shoots them in the foot if they think otherwise wouldn't you say?

 

Does a new CCA request go to the dca or the solicitors address at this stage please?

Link to post
Share on other sites

sols

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... 

Link to post
Share on other sites

The claim has now been acknowledged on MCOL with my intention to defend all.

 

I've sent off a new (2nd) CCA request and CPR disclosure request to the solicitors via special delivery yesterday.

 

My main/first line of defence is a lack of agreement and their failure to respond to my CCA request at this stage BUT there's still this grey area over the type of debt. (I'm 99% certain this is for loans but they say it's for an overdraft.)

 

Is there anyone with insider knowledge of how the banks "package" defaulted loans? Could it have been that they used my current account overdraft to accumulate the defaulted loans onto? - I'm only speculating here and trying to cover why they may think this is linked to my current account.

 

When I still had a repayment plan with Lloyds/BLS the statements were always for one large amount which was the sum total of the 3 seperate loans added together. I don't have any paperwork to suggest this is in any way linked to my current account .

 

Can anyone assist me with my defence please?

 

Thanks

Link to post
Share on other sites

Is not unusual to amalgamate loans and overdrafts...but it makes life simpler for the claimant to plead its a current account as the paper trail will be minimal and easier to get judgment on the balance of probabilities.

 

If you are sure that they are consolidated loans then you must fight it as that and request copies of the agreements etc.

 

Regards

 

Andy

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

Link to post
Share on other sites

It's now been 7 calender days since submitting a request to disclose (CPR 31.14) to their solicitors. We've obviously had the Easter Bank holiday during this time so I'm not sure if this affects things?

 

Baring in mind I now have a week left in which to submit a defence, what would be a suitable course of action? - Embarassed defence?

 

Thanks

Link to post
Share on other sites

No such thing as an embarrassed defence you submit a defence that puts them to strict proof.

 

Regards

 

Andy

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

Link to post
Share on other sites

Sorry andyorch, Please can you explain a bit more?

 

This is all new to me and I thought I'd read posts where the claimant had not responded to disclosure requests and the defendant included a section within the defence stating they are embarassed into defending with a lack of information?

 

Is there a draft defence that 'puts them to strict proof' please?

 

Thanks

Edited by Tiredngrumpy
spelling
Link to post
Share on other sites

There are defences as such but I have no idea what it means or who came up with the idea and are not CPR compliant who ever drafted it.

 

Most of the threads surrounding yours or at least on page 2 of the Legal Forums contain defences that put the claimant to strict proof to disclose.

 

Regard

 

Andy

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

Link to post
Share on other sites

Thanks for clearing that up.

 

I assume the correct action is to apply for a directions order to the court to "force" disclosure or strike out?

 

This may seem a daft question but is the cost for an order added to the case costs or payable up front by the defendant?

 

Thanks

Link to post
Share on other sites

No thats not the correct approach again that idea was dreamt up by the person who devised the " embarrassed defence "

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

Link to post
Share on other sites

Oh ok,

 

It seems I'm not achieving anything from the posts I've been reading as everything is incorrect.

 

I'm not sure what you mean by "post 2 of the legal forums"? Do you literally mean the 2nd page of peoples cases or is there a sticky?

 

I'm finding this rather hard going as everything I seem to have read is wrong. :sad:

Link to post
Share on other sites

Page 2 of the legal forums not post 2 will contain ongoing threads were posters have already submitted their defences..their are some on this page.

 

Evereything you refer to is old..times have changed.

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

Link to post
Share on other sites

It's not that I've done this before in days of old or anything. I've just been using the site search tool at the top of this site.

 

Sorry "post 2" was a typo.

 

So to be clear, I don't apply for any orders, write to anyone else, just submit a defence using info from page 2 here?

Link to post
Share on other sites

Yes thats the procedure...obviously you edit any defence to suit your situation ...once you have submitted your defence then their will be plenty for you to do. look at the dates of the threads you are viewing...obviously if it 4 years old look for something fresher.

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

Link to post
Share on other sites

Unfortunately I'm still struggling to find anything of relevance to support a defence in my case within the first few forum pages. :|

 

I've been thiking about the letters I have from Lloyds and Idem stating no CCA exists..

 

A) Can these be included as evidence in my defence?

 

B) Would Estoppel apply if they try to argue the debt is for an overdraft. (I have no clue how Estoppel works at this stage, just some brief reading.)

 

Thanks

Link to post
Share on other sites

I've started working on a defence now which I will post up in due course.

 

How do I go about including some background details to the case please?

- I was thinking of including the covering letter I received from Lloyds with my SAR info which clearly states

I had 3 loans and no agreements are available for these.

 

I don't know where or under what heading this should be in my defence?

 

I could also include some of the other SAR info which shows the loans ad up to the same amount which is then shown in statements

(proving a link to this debt and the fact it IS for loans and therefore should need a CCA or 3 in fact.)

 

The only downside I can see to this is that I will be disclosing original account numbers which could help them with forging CCA's?

 

Any assistance please?

Link to post
Share on other sites

you have until the 2nd of may?

 

the DQ is where you go into details

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... 

Link to post
Share on other sites

you have until the 2nd of may?

 

the DQ is where you go into details

 

Thank you for the response dx100uk.

 

Yes, 2nd of May sounds about right I think but not sure if you were questioning the cut off date or my timing? - You've worried me now. :???:

 

DQ = Directions Questionnaire, yes?

Link to post
Share on other sites

  • 2 months later...

Hi,

 

I haven't posted for a while..

 

I submitted my defence before the deadline, I also wrote a letter to the sols asking for disclosure of the docs metioned in the PoC under CPR.

 

They replied saying they required 14 days and could I ask for an extension. - I ignored their request as I'd covered non disclosure in my defence.

 

I checked that the defence was with the court on the Royal Mail Tracking Website and it was.

 

All went quiet so I called the court after about a month and was told it was still waiting to be looked at.

 

Today I have received a letter from Arden stating that my debt will be passed to Wescot within 5 days of the date of the letter which is dated 27th June, so basically it's happening today. It doesn't say it's been sold, just passed to Wescot to be collected on their behalf.

 

WTF?? :!:

 

I'm guessing Wescott are still under the Paragon umbrella?

 

Surely they can't do this while my account is in dispute with pending court action?

 

Any pointers on a course of action here please?

 

Thanks

Link to post
Share on other sites

Ignore them they cant do anything...as you state its now a matter of litigation.Shows you how competent they are they dont even realise they are in the middle of suing you.:-)

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

Link to post
Share on other sites

Thanks Andyorch!

 

Just phoned the court to make absolutely sure nothing else was happening and

 

they said that the case is STILL being processed,

 

it went to the DJ about a month ago so they're not sure what the hold up is

and have put a query note on my file to find out what's going on.

 

I mentioned the latest letter to the court assistant who told me there was a bar on any action being taken by the claimant until the DJ had commented.

 

- Not sure what that's all about?

Link to post
Share on other sites

If you have not received a directions questionnaire N180...its going nowhere ..the claimant has not responded to your defence if your submissions exceeds 28 days.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...