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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
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Vinci PCN - Cardiff


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Hi,

I'm hoping for some sound advice please regarding a parking notice (PCN) issued on my vehicle at Adam Street car park, Cardiff.

 

On 17th Jan, the required amount was paid and the ticket left on the dashboard as usual.

On return, there was a PCN notice stuck to the car with breach code 01 "parked without displaying valid payment",

asking for £100, reduced to £50 for early payment within 14 days.

Unfortunately the ticket was face down on the dashboard.

 

I appealed the notice with Vinci,

who rejected as expected,

and they provided me with photo evidence of the reverse side of the ticket.

 

The basis of my appeal is that the tickets are flimsy and feather-like, non-sticky, risking that the ticket has overturned (possibly even by wind in closing the door).

 

I have the ticket, and on receipt of their response,

I re-appealed to them, advising that my ticket number

(which I believe to be a unique code on the front and reverse of the ticket) agrees to the number on their photograph.

 

they are having nothing of it and have issued me with a standard response,

not disputing that I have paid,

but saying there is a failure to display,

thereby breaking the terms and conditions.

 

They have provided a POPLA form and I have a few weeks to get the POPLA appeal sent in.

 

Shall I pay the £50, ignore the letter or take this to Popla?

 

Many thanks.

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Hi, I'm hoping for some sound advice please regarding a parking notice (PCN) issued on my vehicle at Adam Street car park, Cardiff. On 17th Jan, the required amount was paid and the ticket left on the dashboard as usual. On return, there was a PCN notice stuck to the car with breach code 01 "parked without displaying valid payment", asking for £100, reduced to £50 for early payment within 14 days. Unfortunately the ticket was face down on the dashboard.

 

I appealed the notice with Vinci, who rejected as expected, and they provided me with photo evidence of the reverse side of the ticket. The basis of my appeal is that the tickets are flimsy and feather-like, non-sticky, risking that the ticket has overturned (possibly even by wind in closing the door). I have the ticket, and on receipt of their response, I re-appealed to them, advising that my ticket number (which I believe to be a unique code on the front and reverse of the ticket) agrees to the number on their photograph. Anyway, they are having nothing of it and have issued me with a standard response, not disputing that I have paid, but saying there is a failure to display, thereby breaking the terms and conditions.

 

They have provided a POPLA form and I have a few weeks to get the POPLA appeal sent in. Shall I pay the £50, ignore the letter or take this to Popla?

 

Many thanks.

 

Why did you expect them to reject?

You paid for a ticket.

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Don't pay it !!!!! Was the car park attendant Stevie Wonder or Ray Charles, either way an idiot because he would have been able to se the serial no. on the ticket and know that it was issued on that day. Appeal to POPLA . You have paid.

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They are wrong, their claim must be for a breach of contract,

of which the conditions form the majority of that contract.

You paid and displayed the proof of payment and as you say there is a unique number that identifies when that receipt for payment was issued.

 

This means that you have paid the prescribed fee to park and fulfilled the important parts of the contract

and you did actually display a valid permit, just not in the way that makes it easy for them to read

but nonetheless the receipt was displayed.

 

there is case law on this so Vinci would be foolish to continue to press on with this matter.

 

however, if you want to take it to POPLA then use the ref code they are obliged to have issued to you when they rejected your appeal

and state quite simply that you paid the prescribed fee and that the receipt for payment was displaid with the receipt number clearly visible.

 

If the car par is local to you have a look at the conditions and see if there is one stating that it is a breach of the conditions to display the receipt upside down.

It should be the first one on the list of terms otherwise it cannot be breach of 01.

 

they have invented their codes to give themselves a cloak of pseudo-officialdom by masquerading their parking notices as having some legitimacy.

They might not like what you have done but they wont win a battle over it.

 

look up the case law by googling PATAS decisions reached on appeal to the high court

and you will find at least one on tickets that were placed upside down.

 

As this is appeal procedure is an ACOP then POPLA will have to consider the precedent or run the risk of being sued themselves.

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Good advice, thanks for the replies. I will check the car park terms re: breach code 01. The number on the front and back of my ticket is presumably a sequential number spewed out by the ticket machine, and hence as I have the ticket and it matches to their photo, this proves I paid. I challenged on this basis but Vinci rejected with the following:

 

Thank you for your letter regarding the above mentioned Parking Notice which was issued to your vehicle on the 17th January 2014 whilst parked at the Adam Street Car Park.

 

The Adam Street car park is managed by Vinci Park Services Ltd on behalf of our client Land securities we manage the site as per the terms and conditions set out by the client.

 

On the date and time on question the enforcement officer had cause to issue a Parking Charge Notice as he believed that your vehicle was parked in breach of contract code 01 - parking without displaying a valid payment.

 

The main stipulations for parking at the Adam street site is to park you vehicle correctly within a marked parking bay, purchase a valid payment ticket and display said payment ticket on the dashboard / windscreen area of your vehicle.

 

As with any pay and display car park, the terms “PAY & DISPLAY” are both equally important and both have to be honoured in order for parking to be authorised.

 

Purchasing a valid ticket doesn’t automatically cover your parking; it also has to be displayed clearly in order to be deemed as valid.

 

It is the vehicles owner / drivers responsibility to ensure that a payment is clearly on display in the dashboard/ windscreen area prior to leaving the vehicle, so that it can easily be observed by our enforcement officers.

 

Having reviewed the circumstances surrounding the issuing of the above Parking Charge Notice, I am in agreement that the parking notice should remain and am in full support of the original decision to uphold this parking notice.

 

I have attached the photographic evidence in support of my decision to uphold the parking charge notice.

 

Payment at the reduced rate of £50:00 for the parking notice, will be accepted if received within 14 days of the date of this letter.

 

Should you remain dissatisfied with this decision, you may refer this matter to the Parking on Private Land Appeal Service (POPLA) details of which can are available upon the enclosed appeal form.

 

Please note that should your appeal to POPLA be unsuccessful, Vinci Park reserves the right to pursue the full amount outstanding as stated on the PCN, and will look to recover any associated costs in relation to the PCN in accordance with our terms and conditions of parking.

Edited by Mjhlraggett
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They say "deemed as valid" Deemed by whom? and how valid is valid or not if it is the receipt issued? the ticket is a receipt of payment ane is itself proof and their claim about deeming it to be valid is a load of cow droppings. Go and buy something at Argos and you get a little collection slip. Can you imagine the uproar if they suddenly decided that showing the slip wasnt proof of purchase but had to show the person behind the counter a photocopy of the banknotes you have just paid with. Where I live the stores have been burnt down for less than that.

by the wya, if you want a good laugh look up Vinci Parking Services accounts and cashflow since nov 2012. When yo have do it to any other parking co except PE and you will soon know why they are so keen to get you pay

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They say "deemed as valid" Deemed by whom? and how valid is valid or not if it is the receipt issued? the ticket is a receipt of payment ane is itself proof and their claim about deeming it to be valid is a load of cow droppings. Go and buy something at Argos and you get a little collection slip. Can you imagine the uproar if they suddenly decided that showing the slip wasnt proof of purchase but had to show the person behind the counter a photocopy of the banknotes you have just paid with. Where I live the stores have been burnt down for less than that.

by the wya, if you want a good laugh look up Vinci Parking Services accounts and cashflow since nov 2012. When yo have do it to any other parking co except PE and you will soon know why they are so keen to get you pay

 

Cheers, a good spot and will refer to it in my POPLA appeal.

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  • 3 weeks later...

VINCI , Adam Street Car Park.

 

The Appellant appealed against liability for the parking charge.

 

The Assessor has considered the evidence of both parties and has

determined that the appeal be allowed.

 

The Assessor’s reasons are as set out.

 

The Operator should now cancel the parking charge notice forthwith.*

At 13:34, on December 31 2013, a parking operative observed the Appellant’s

vehicle parked at the Adam Street car park.

 

The Operator’s case is that the Appellant breached the car parking

conditions by parking without displaying a valid payment.

 

The Appellant made representations stating his case. He raised a number of

points and one of them was that the entirety of the charge has to be a

genuine pre-estimate of loss.*

 

The onus is on the Operator to prove its case on the balance of probabilities.

Accordingly, once an Appellant submits that the parking charge is not a

genuine pre-estimate of loss, the onus is on the Operator to produce some

explanation or evidence to tip the balance in its favour. The Operator has

produced a statement which it submits justifies the charge as a pre-estimate

of loss; however, I am not minded to accept this justification.

 

The Operator must show that the charge sought is a genuine estimate of the

potential loss caused by the parking breach, in this case, the Appellant’s

failure to park without making a valid payment. The Operator has produced

a list of costs; however, these appear to be general operational costs, and

not losses consequential to the Appellant’s breach.

 

Consequently I must find that the Operator has failed to produce sufficient

evidence to demonstrate that the parking charge is a genuine pre-estimate

of loss.

 

I need not decide any other issues.

 

Accordingly, the appeal is allowed.

 

 

OP- All you need is genuine pre estimate of loss.....

This was a recent POPLA win on MSE.

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Well done with that.

I an interested in the line "I need not decide on any other issues"

I read this as POPLA want to avoid making deliberations on anything when GPEOL is put before them as it could cause confusion as to whether a "loss" can be tied into the other evidence, in this case the display or otherwise of a ticket.

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