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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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BW /lowelll - SD coming - cap1 card debt


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Have just received a letter through the post today from BW Legal stating that they have tried to call at the house on 2 occasions

(both times I was here and no-one knocked at the door)

and that they will call again on 4th December to issue a Statutory Demand and will post it if we don't keep the appointment.

 

Firstly,

I have never heard from this Company before and other than there reference number,

it doesn't tell me who the debt is for?

 

 

There is a telephone number,

should I call it to find out?

 

 

Can I try to agree a repayment plan?

 

 

I'm scared witless that I will suddenly lose everything when I thought I was starting to get back on my feet......

 

If anyone can help me, advice is greatly appreciated.

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Hi there,

 

I would normally say that you shouldn't talk to debt collectors, but there isn't too much time bearing in mind the weekend.

 

Is there an email address on the letter? You could try emailing if there is.

 

If not, I think you may have to call them because even with recorded/signed post it often does take more than a day to be delivered and you may not be able to check online for the signature before the 4th.

 

DD

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Have just figured out which debt it is and it's one, to be honest, that I've ignored.

 

 

Have had the usual letters from them but it's been passed from pillar to post so I assumed it would keep doing so.

 

 

The debt is 5yrs old so not yet SB.

 

 

Can I contact them to agree a payment plan?

 

 

Will they accept at this late stage?

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Have just figured out which debt it is and it's one, to be honest, that I've ignored. Have had the usual letters from them but it's been passed from pillar to post so I assumed it would keep doing so. The debt is 5yrs old so not yet SB. Can I contact them to agree a payment plan? Will they accept at this late stage?

 

Send an urgent CCA request to Lowell by recorded delivery and see if they can provide it. This is presuming the debt is covered by the CCA. Would not be relevant to an overdawn bank account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974&p=4384118#post4384118

 

Did you ever raise any dispute with the original creditor or debt collectors about this debt ? Any PPI or excess charges to claim back ?

 

The problem with not setting aside a statutory demand, is that at any time you miss a payment, Lowell could proceed with bankruptcy provided the debt was still over £750. BW Legal or whoever is dealing with this at the moment, will want the debt to be paid off in a period of less than 24 months, going by what has been said on here previously. So if you want to look at a repayment arrangement, this would need to be negotiated. Personally I would suggest that the CCA is sent off now and see what you get back. You have 18 days from the date the statutory demand is received, to apply for the set aside.

We could do with some help from you.

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what is the debt all about?

 

 

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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It may do. We'd need to see it, so do get the CCA request off today.

 

The ones from the very early 2000s aren't enforceable. It depends when Capital One actually changed the wording of their agreements.

 

However as it's 2005 they would need to produce the agreement to enforce if they went through the County Court and this is why SDs are currently their favourite form of trying to get the money. :mad2:

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April 2005, does that make a difference?

 

Yes for account taken out pre April 2007, creditors need the original CCA, if this is requested by the defendant in court. So it makes sense to send Lowells a CCA request urgently by recorded delivery.

 

There appears to be an assumption in your posts that the statutory demand has something to do with the courts when issued. This is not the case. It is simply a letter issued by your creditors, which if you don't deal with within 21 days, they can provide it to the court, along with a bankruptcy petition. Normally going by reports, it can be many months after the SD is issued that any attempt is made to use bankrupty. You don't need to enter into a payment arrangement as soon as the threat of a SD being issued is made. You have a chance to set aside the SD if you wanted to try this.

We could do with some help from you.

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Also send a copy of your CCA request letter to BW Legal saying that you trust that they will not be issuing a Statutory Demand before you receive a response to your CCA request.

 

They may or may not do this, but if they do proceed it makes them appear unreasonable if they serve it while you are waiting for information you are legally entitled to. Send that RD too.

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Is an SD shown on my credit file even if it's set aside?

 

The SD is purely a letter from your creditors. Has not touched a court and appear nowhere. It can be used later, if the creditors wanted to proceed with bankruptcy, hence importance to set aside if you can. To set aside the SD, does not require you to pay any fee to the court.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Ok, please no shouting at me but I was really worried.

 

 

Have rung BW and in a nutshell:

I offered them a payment of £100 pcm but they said I need to provide an official I&E account before they will consider such a proposal.

 

 

They also said it's related to 2 debts..

..an old Vodafone account.

 

 

Now I haven't received a letter about this for quite some time and I certainly never signed a credit agreement.

 

 

It's only for £224. Now.....

 

 

....if I send off the CCA to Lowell and they can and do provide it, is it likely to **** BW off

so they don't accept my payment proposal?

 

 

Could they then pursue through the courts and take my house off me?

 

 

I believe there is enough capital in my house to cover anything I owe.

 

 

If I do send the CCA and it doesn't come back before the 18 days has expired,

what would I do?

 

Part of me thinks I should just try to set up the payment and ensure I can make payments so I can sleep easy between now and xmas!

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CCA is not relevant to a mobile phone account, but would apply to a credit card.

 

Lowell/BW Legal have done what they have done to others. Group several debts together to look to make someone bankrupt.

 

Up to you what you do.

 

1) Send the CCA request. Look to set aside the statutory demand

 

or

 

2) Send a payment to BW Legal, with offer for further payments, with some basic income and expense details.

[EDIT REMOVED]

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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nope phonecalls do not count

 

 

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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SD for 2 debts!!

 

 

I think you need to get lee at Vodafone onboard here and confirm this voda 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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