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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.
    • 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  
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Kensington SPO ***Resolved***


markez78uk
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I'd go to the FOS and tell them that Kensington are trying to change the payment the court ordered which you are maintaining.

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and complaint about poor compo for your complaint...

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 guys

i dint think they are trying to change the payment as such , i feel if i send and income and expenditure and if it shows more affordability they will demand i pay more than whats been fixed by the court

 

haven't a clue were the 3 months review has come from tho i think thats from when i agreed to make higher payments back of last year and they stated they would monitor it for 3 months .

 

i haven't any extra magical income so they wont be able to grab any more

 

as you guys have said and i really appreciate the help

- im paying as in line with the court order ,and to be mega honest im not to sure why they have awarded a £50 refund ?

 

but i will try and get a letter done to send to the fos over the weekend

 

Thanks Alot

Regards

Mark

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They wouldn't be asking for I & E information if they weren't thinking of trying to increase your payments ! they will assume you don't know that you only have to pay what the court ordered. I'm surprised they're still banging on about it after you sent them a letter saying you were only required to pay what was agreed in court.

 

 

Let them stew for a bit, if they threaten to take it back to court - let them get on with it - at some point their legal team would come to their senses.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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  • 4 weeks later...

Good afternoon - update

so i havent sent the income and expenditure and i have been paying the cmi + £200 and heard nothing (blessing)

 

however the BIG BOMBSHELL - i have just received a letter today stating the following

 

we are contacting you withing guidance issued by FCA

The guidance which was issued in april 2017 ,clarified that after june 2010 mortgage lenders should not have automatically included any payment arrears balances in calculation of the regular monthly payment ,whilsy at the same time asking customers to repay the payment balance separately .

 

The fca expects this practice to STOP & where this resulted in customers being over charged or otherwise unfairly treated ,action taken to correct the account and if appropriate compensation paid !.

 

kennys reply with the following :

 

following a review of my account we can confirm that your account has been impacted and that your contractual payments was previously calculated including the payment arrears balance.

 

we acknowledge this was not in accordance with the fca guidance and as a result the amount we requested you to pay each month was incorrect and you may have been incorrectly charged fees and expenses.

 

please accept our sincere apologies for this and our assurance that changes have been made to our systems,procedures and controls to prevent happening again .

please see below what steps we have taken to put this right and how this has affected your account

 

1. we have corrected your payment arrears balance and account balances to what these would have looked like had your contractual monthly payment been calculated without including your payment arrears balance .

 

2. refunded any payment arrears fees and charges that we have charged you were these would not have been due based on the correct payment arrears balance .this correction includes a recalculation of the interest charged to you .

 

3.Where applicable , compensate you where you have overpaid each month as a result of your CMI Being higher than it would have been had we not included your payment arrears in the calculation of your monthly payment.

Compensation has been calculated at a rate of 8% per annum less 20% for basic rate income tax ..

 

 

Your account correction is as follows

 

Adjustment to payment arrears balance -£8443.01 taken off the arrears was £28k now £20k

 

compensation at 8% simple interest per annum £0

 

less 20% income tax on the 8 % £0

 

refunded charges including historical interest £0

 

so here my issue >

£0 compensation

 

when the 6 years came up to renew the suspended possession order kennys won it on 1 thing the size of the arrears - of which i stated in court wasn't correct so they liedk

 

i also have a letter when i complained to obundsman stating the arrears balnce wasnt included in the cmi payments - again they lied

 

i question why my cmi payments kept rising each and every other month - they explained due to the libor rate - again a lie

 

The total balance on my account last month is exactly the same this month ?

the initial mortgage was for £97k

i hade arrears of £28k and the im on interest only and the outstanding balance was £133k

 

after they have just knocked off £8k the balance outstanding is still £133k ?

 

They also stated above the cmi payments were high because of this error and now have been corrected ????k

 

3 months ago the cmi was £540 last month £545 and now this letter STATES

 

Going forward the repayment of any missed monthly payments,future fees,charges and unpaid insurance costs will no longer be automatically included in your monthly Payment so we have changed your monthly payment to reflect all the above and account changes !!!!!!

 

Your new monthly CMI Payment will be £589.84 from 1st of july !!!!!! going up again another £40

 

Please can somebody help drafting a letter to send to get compensation ?

 

as i have sufferd,anxeity,depression,,relationships and work issues all because of their demanding higher payments and harassment since 2007

 

also how can the cmi payment be even higher again now they have removed all the above arghhhhh

 

Thanks for reading

regards

markez

PS DX I havent even been on the phone to them :)

Edited by dx100uk
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Scan it up topdf

You pay what thejudge ordered

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 dx

bit confused scan what to pdf ?

also confused that my cmi was 545 thus month and now after kennys admitting they where charging for extra stuff in my cmi and they have now corrected it the cmi is going upto £589 even after wipping £8000 off my arrears yesterday .

can some please help draft me a letter to send to complain and seek compo - as I have to send to them before I send complaint to fos

 

Regards

markez

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The letter in post 595....

Read upload

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

I think you should write to them advising that you find their letter confusing and ask for a detailed calculation showing how they have arrived at the new figure, with an explanation at each stage of payment change. If you don't get a satisfactoty response then go straight to the Ombudsman to see if they can work it out.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Good Morning ,

sorry been away from the computer over the weekend ,

struggled the other day to upload the letter i will try again today

thanks ell

i will try and draft a letter later today .

Regards

markez

 

I think you should write to them advising that you find their letter confusing and ask for a detailed calculation showing how they have arrived at the new figure, with an explanation at each stage of payment change. If you don't get a satisfactoty response then go straight to the Ombudsman to see if they can work it out.

 

with an explanation at each stage of payment change.? do you mean the cmi payment that kept changing from month to month ????

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with an explanation at each stage of payment change.? do you mean the cmi payment that kept changing from month to month ????

 

 

Yes, you want to know what the reason is for any change

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Carefully read upload use pdf only

Ignore kennys

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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ok thanks

i will have another go over the weekend

Cheers

Markez

 

best i could do Pics saved as pdf

as couldn't get my scanner to work :(

 

also one last thing - the letter states they are correcting may cmi payment accordingly

but in July 2018 it will be going up by £40 ?? anyone any ideas - as the balance has gone down and now the arrears are down by £8000

 

Thanks

mARKEZ

 

ps DX Have a look at page 4 they are obsessed with phone contact ... they have called me 7 times in the last few days :0

Corrected Payments.pdf

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But you're doing what Uncle dx said about keeping off the phone, aren't you? :) From what you say, they don't want to put things in writing so they can't be proved wrong later on.

 

 

I think there's a wording you can send them to say you only want to deal in writing, hopefully someone will be along to advise on that.

 

 

HB

Illegitimi non carborundum

 

 

 

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they have shot themselves in the foot big time here

and you should sue them for unwarranted harassment.

 

you have the written documentation to prove they continually forced you to pay more and harassed you on almost a daily basis.

they knew they were wrong to do it

you knew they were wrong to do it.

 

this could be worth £1000's statint that they have deprived you off too of all the extra money and

 

they ARE entitled to compensate you for the 8% statint that they have deprived you off too for all the extra money they've charged

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

Hi Everyone,

 

I have never posted on here however I would just like to say that the information here is invaluable. I was saved today by getting a suspended possession order by following the information in these threads and I am sure there are many more people reading whilst not commenting.

 

I am very thankfull for having found this

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Kenny's?

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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