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    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
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Court papers received from SIP parking. - ** DISCONTINUED **


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Hello all, I'm posting this for a neighbour as I told him to ignore the original threats.

 

Firstly he received a ticket on his works vehicle (numerous drivers) for overstaying in a SIP car park by 5 or so minutes after the driver got delayed, he had payed the car park fee but overstayed, then the usual notice to owner, final notice and final reminder.

 

The Claim form is from Northampton (CCBC) County Court and is signed by Natasha Sarwar.

 

The details on the Particulars of claim are as follows.

 

PCN was received on 18/04/2013

A valid NTO sent on 16/07/2013

Final notice 14/08/2013

Final reminder before commencing court proceedings 04/09/2013

Evidence consists of photographs taken of the vehicle on 18/04/2013.

 

Now it seems a long time to me, from the original ticket being issued and the first correspondance, as it is a works vehicle it will be difficult to remember who was driving, secondly can a defence be lodged on the fact that the parking charge was payed and the overstay was not intentional and an offer of £5 will be made to SIP to cover the additional 5 minutes.

 

Is it best to write on the court forms and send them off or use the online service.

 

Thank you.

Edited by benny46
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So how do we prepare it well, yes the car was parked there, yes the parking was paid for and yes it overstayed, but, to then 3 months later to ask the registered keeper for driver details seems a bit unfair, if your vehicle is used by more than user could you remember who used it 3 months ago.

Can we not defend the case on the fact that we payed for 2 hours not knowing we would be 2 hours and 9 minutes due to unforseen circumstances and offer to pay for the 9 minutes extra?

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The defence we are looking at giving is that the registered keeper knew nothing about the original parking ticket until 89 days after the parking ticket was attached to the screen, that was when the first demand arrived in the post.

By this time as it is a shared vehicle with other workers it was unable to clearly ascertain who was driving at the time.

When the first notice to owner arrived it was thought to be a spoof letter which is why it wasn't responded to.

The original ticket that was attached to the screen was later found in the vehicle but after the first notice to owner was received.

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Thanks for those pointers, firstly I have just been online to register and that was simple enough, I have put we are going to disagree with the whole of the claim while we formulate a defence.

Do I now have to wait for them to issue papers as to when and where the case will be heard or do I have to submit my defence within a set period and wait events?

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I'm going to read this later when I get home from work, it seems to be quite helpfull, then I will go to the car park concerned tomorrow to take pictures just in casr it helps any although I would think the signage might have changed since April.

http://www.consumeractiongroup.co.uk/forum/showthread.php?390479-REceived-Court-Papers-From-A-Private-parking-Speculative-invoice-How-To-Deal-With-It-HERE***%284-Viewing%29-nbsp

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There are excellent sticky posts on the top of this forum and they will give you the majority of the information you need.

 

Before you enter your defence you need to make sure what was the reason for the 'ticket' being issued - check that and come back

 

If it is simply for an overstay then your basic defence will be that the PPC must show their claimed amount to be actual loss and not a punitive amount

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There are excellent sticky posts on the top of this forum and they will give you the majority of the information you need.

 

Before you enter your defence you need to make sure what was the reason for the 'ticket' being issued - check that and come back

 

If it is simply for an overstay then your basic defence will be that the PPC must show their claimed amount to be actual loss and not a punitive amount

 

It is just a basic overstay of 9 minutes and it does state on the court form that "the time on the ticket displayed was exceeded"

I will find the correct sticky, formulate the wording of our defence and post it here before going any further, thank you for your reply.

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Go through their claim step by step and rebuke it.

 

Firstly the claim is issued to the keeper, SIP have not met the criteria for keeper liability under POFA so the claim can only be against the driver. This wont be a strong defence as a court would expect you to know who was driving especially a company vehicle. However it will give you the opportunity to argue that any alleged overstay could not be checked.

Secondly have SIP got the relevant authority to issue a charge, you need to question on what grounds do they bring the claim, as the landowner or with the landowners authority.

Thirdly the charge is not a genuine estimate of any loss, their only loss would be for the cost of 9mins parking, arguably they can add DVLA and admin costs.

Finally without seeing the car park or the signs there could be further valid points for a defence with them.

You need to add as many points as you can and add plenty of meat to the bones and make your argument.

Another point find out who this Natasha Sarwar is and find out under what authority does she bring this claim.

 

SIP have dropped cases where a strong defence was put up, and where they never met POFA criteria.

 

Oh and here is a sticky!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?395511-REceived-Court-Papers-From-A-Private-parking-Speculative-invoice-How-To-Deal-With-It-HERE***

Edited by esmerobbo
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Go through their claim step by step and rebuke it.

 

Firstly the claim is issued to the keeper, SIP have not met the criteria for keeper liability under POFA so the claim can only be against the driver. This wont be a strong defence as a court would expect you to know who was driving especially a company vehicle. However it will give you the opportunity to argue that any alleged overstay could not be checked.

Secondly have SIP got the relevant authority to issue a charge, you need to question on what grounds do they bring the claim, as the landowner or with the landowners authority.

Thirdly the charge is not a genuine estimate of any loss, their only loss would be for the cost of 9mins parking, arguably they can add DVLA and admin costs.

Finally without seeing the car park or the signs there could be further valid points for a defence with them.

You need to add as many points as you can and add plenty of meat to the bones and make your argument.

Another point find out who this Natasha Sarwar is and find out under what authority does she bring this claim.

 

SIP have dropped cases where a strong defence was put up, and where they never met POFA criteria.

 

Oh and here is a sticky!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?395511-REceived-Court-Papers-From-A-Private-parking-Speculative-invoice-How-To-Deal-With-It-HERE***

 

I will be going to the car park concerned later today to take pictures of the signage and will post in this thread.

 

How do I find out who and whether this Natasha Sarwar is, do I just ask the court or SIP?

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I don't see her here! Put Sarwar into the surname box.

 

http://www.lawsociety.org.uk/find-a-solicitor/?view=solsearch

 

No me neither, it states at the bottom of the form, "The claimant believes that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement" it is then signed Natasha Sarwar (Claimant) ( Claimant's Solicitor) with a row of xxxxxxxxx under the words (Claimant's Solicitor)

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