Jump to content


  • Tweets

  • Posts

    • 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
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
  • 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
  • Recommended Topics

Off topic posts from "Getting them to Reveal their Vitals"


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

Thread Locked

because no one has posted on it for the last 4095 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

Can I ask a daft question - I wrote to HSBC for a copy of my original PPI application as I was challenging the £80 a month they were taking (even after they suspended the account on my credit card) I got a nice letter back telling me that, due to the passing of time they could not find the document (as the PPI was attached to the application would this mean they couldn't find either or with the PPI part missing from the original contract would it invalidate the lot) having this letter, and reading this forum this seems like an HSBC booboo by admitting it in writing - is it worth pursuing this 'cos it would be handy to get shot of £4500 worth of credit debt (£1200 of that has been made up of the PPI insurance payments)

 

Cheers

Gaz the Jock (living in Engerluuuuunnnndddd) :grin:

 

Sounds like its saved you a quid for the CCA requey anyway mate ;)

 

It might be worth an SAR initial (£10 plus recorded del) but always bear in mind if you are actively paying, you're saying loud and clear that you agree that you owe them. On that basis, they could *probably* turn up in court with a beer mat for an agreement and you'd still have to pay. You might however find an angle that could substantially reduce the overall debt - charges, penalties and the like, so it could well be worth a punt.

In knowledge lies wisdom

 

Mo - not even a bar-stool lawyer, but I'll help where I can...

 

 

Link to post
Share on other sites

  • Replies 458
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Vespa, it might be worth asking your question in the PPI forum. There will be people with more knowledge over there:D

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Okay, just a little input here as I (kind of) bank with HSBC. If they call you, untill you give the answers to security questions they cannot see you 'history'. This is in fact exactly what happens in the cases of an internet service provider.

They ask you after confirming the most silly questions unknowing that you have a history. This also works when you communicate by snail mail. In a way 'stupid' but there again these are people employed to ask/get information. I dread to think how many people are employed in these areas - hopefully someone here can give us all a clue? One needs to understand that the average HSBC operative caller in the UK gets circa 15k pa and in the Phillipines (if you are on their collections daily phone call section) considerably less. You are not speaking to the people who get the inflated rates of pay here and they have 'no' authority whatsoever to credit you or give back anything..

AFAIK when you send a (snail mail) letter it's dealt with by a basic admin. assistant (remember that circa 15k pa!). Nothing more and nothng less. When you get a reply you can call but they only give you their public number and it's doubtful who you speak to will know who signed the letter you got. In fact you'll probably be told that the person who signed the letter is not contactable by phone (aka they do not exist).

In the eyes of any Financial Institution you are merely a number. That's not me being my cynical self but simple reality. If you have loads of cash then it's a different matter (and different numbers too!) but usually eveyone here does not fall into that category.

Banks such as HSBC can drag their heels on everthing they do. They know they have financial power and everyone will wait for them. Again reality and not me being cynical. This is why so many people take such companies to court and either win or lose because all these companies concerned consider themselves very special. We all know the truth in these times but they have not 'quite' realised yet. Consider next time you go to the supermarket that it is no different to a bank - Eek those banks would cringe at the pure thought!

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

Link to post
Share on other sites

Hi all

 

UPDATE

 

CPR 31.14 REQUEST to N244 APPLICATION HEARING to COURT ORDER

 

I used the CPR 31.14 request letter detailed in this thread in response to a N1 claim from Northampton CCBC, for a Credit Card debt assigned absolutely to a DCA.

 

The POC mentioned the Agreement, the Assignment and the Default Notice so I requested the Solicitors to disclosure all of these documents.

 

Solicitors replied saying that they are not obliged to provide the information requested, and that the POC is sufficiently detailed.

 

Following X20’s advice I then filed an application using N244.

 

HISTORY

 

October 2008…..N1 from Northampton CCBC

 

November 08…..Acknowledged service on line

 

November 08…..CPR 31.14 Request to Solicitors by Special Delivery allowing 7 days to reply.

 

November 08…..Reply from Solicitors ‘we are not obliged to provide……’

 

November 08…..N244 Application to extend time of service of Defence + Unless Draft

Order + £75 to Northampton by SD.

 

November 08…..Letter from Court, fee should be £40, balance to be refunded.

 

November 08…..Phoned Court. Application to be referred to a District Judge at Northampton. A ‘Bar’ has been put on case which means that Judgement can not be entered until the Judge has ruled on the Application.

 

December 08……Court Order from Northampton CC

 

1. The Application to extend the time to file a defence must be heard on notice to the Claimant. Transfer to the Defendant’s local court.

 

2. Any application for Judgment in default shall be Stayed pending the outcome of this application.

 

February 2009…..Court Order from local court.

 

Upon considering the Court file an Application Hearing will take place in March

 

March 2009…..Application Hearing at local court. Claimant did not turn up.

 

Unless by 4pm on (14 days hence) the Claimant complies with a request made by the Defendant on xxxxxxx pursuant to CPR 31.14 by the provision to the Defendant of documents mentioned in the POC, namely (1) the agreement (2) the assignment and (3) the Default Notice then:

 

1. The claim shall stand struck out without further order of the court.

 

2. The Claimant shall pay the Defendant his costs of this case to be assessed on the standard basis and pursuant to the provisions of the Litigants in Person (costs and expenses) Act 1975.

 

3. In the event that the Claimant shall comply with this order, the Defendant shall file and serve a Defence by 4pm on xxxxxxxx.

 

4. In any event the Claimant shall pay the Defendant’s costs of this application in the sum of £150.

 

 

RESULT

 

 

THE CLAIMANT HAS NOT COMPLIED BY THE DATE STATED.

 

 

But what do I do now?

 

How does the Strike Out work?

 

Do I have to inform the court, does the court have to write to the Claimant?

 

 

Regards

SC

Edited by StayingCalm
correction
Link to post
Share on other sites

Hi staying Calm

 

Looks like its a result, but other caggers on here with more experiance that me on this will advise you.

I'm just a little behind you with this, as i've put in a 31.14 to the Solicitor on the 12th March and still had no reply. Must be the same Solicitor as yours lol. i'll will need some advice when the time come as well in what to do next.

Good luck hope this is a good result for you.

 

 

gaz

Link to post
Share on other sites

You can ring the court as Jonesey said and then follow up in writing, either email or fax, if they will accept that. This is what I did with mine to get them struck out. The court should automatically strike out a claim, but from experience, I think it is better to ring and check on this and then follow up. Well done, seems to be going your way. Magda

Link to post
Share on other sites

Hi all

 

RE UNLESS ORDER

 

I phoned the Court yesterday as advised on here and was told that there was a diary entry to check my file and then they would automatically issue an order to strike out the claim. Due to work load this is not always done on the date the Unless Order expires and could take a week or so. However, as I had now phoned and she has checked my file, she said it would be done straight away.

 

So it’s looking good, fingers crossed. Just waiting for the postman now.

 

Regards

SC

Link to post
Share on other sites

Hi all

 

RE UNLESS ORDER

 

I phoned the Court yesterday as advised on here and was told that there was a diary entry to check my file and then they would automatically issue an order to strike out the claim. Due to work load this is not always done on the date the Unless Order expires and could take a week or so. However, as I had now phoned and she has checked my file, she said it would be done straight away.

 

So it’s looking good, fingers crossed. Just waiting for the postman now.

 

Regards

SC

 

Fingers crossed here for you as well :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Everything possibly crossed for a good result SC,,,,keep positive laters angel x 8-)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites

Thanks everyone

 

We are away for a short break to see our daughter at a holiday cottage from early Thursday morning :D:D, so wont get any post now until at least Sunday :!::(:mad:

 

No internet either, so see you all later.

 

Regards

SC

Link to post
Share on other sites

I have just used the excellent letter produced by X20 and have received a copy of CCA and t's and c's for my agreement, they are illegible as the print is so small and fuzzy on the t's and c's that they are impossible to read and the agreement although containg all prescribed terms has areas of fuzz that makes some of it totally illegible. The lawyers comment ''if you are unable to read the copy supplied we cannot comment further''

However, they say the following

 

''Your reading of the CPR is correct in relation to CPR PD16 para 7.3 however, as this case was issued out of the Bulk Issue Centre, it is provided by CPR 7 PDC 1.4(4) so that the rule you refer to does not apply

 

We have under cover of a previous letter supplied you with a copy of the agreement together with terms and conditions, copy representation of the Notice of Assignment and copy statements.

 

If by the word assignment you are in fact referring to the debt sale and purchase agreement we can confirm that a request has been made to produce a copy of it''

 

 

Could someone advise as I have no idea what they are on about and it appears they may well be trying to baffle me!

Link to post
Share on other sites

I have just used the excellent letter produced by X20 and have received a copy of CCA and t's and c's for my agreement, they are illegible as the print is so small and fuzzy on the t's and c's that they are impossible to read and the agreement although containg all prescribed terms has areas of fuzz that makes some of it totally illegible. The lawyers comment ''if you are unable to read the copy supplied we cannot comment further''

However, they say the following

 

''Your reading of the CPR is correct in relation to CPR PD16 para 7.3 however, as this case was issued out of the Bulk Issue Centre, it is provided by CPR 7 PDC 1.4(4) so that the rule you refer to does not apply

 

We have under cover of a previous letter supplied you with a copy of the agreement together with terms and conditions, copy representation of the Notice of Assignment and copy statements.

 

If by the word assignment you are in fact referring to the debt sale and purchase agreement we can confirm that a request has been made to produce a copy of it''

 

 

Could someone advise as I have no idea what they are on about and it appears they may well be trying to baffle me!

 

 

They still have to produce the documentation.

 

If it is illegible then they have a problem

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

Hi, not been here for a couple of weeks, decided i had to try to save my credit file from default notice due to personal circs. had already tried cpr pre court disclosure part 31.16 without avail.

I really need some no mincing words advise here, I caved in to mercers and mbna and paid them the backdated amounts that i had stopped whilst account was placed in dispute by ME following in my opinion non compliance with sec 77 (they didnt agree of course)

I dont want to sit back 6 years and wait to be taken to court eventually, by which point i would have a diabiolical credit rating

My intention was always to go through the process of requesting cca

disputing account

stopping payments

sar request

then cpr request

 

and finally taking it to court for a pre action disclosure and then assuming that if they could not supply the signed agreement they would not be permited to enforce the terms pursuant to section 142 of the act and i would be entitled to seek a declaration of unenforceability from the court.

 

However somewhere down the line someone knowledgeable on here told me that if I were to take it to court I was taking a HUGE risk as it was up to me to prove the unenforceability of the agreement

 

Since then I have taken a bit of advise from a solicitor who has said that if you can proove the trail of letters trying to get a true copy of your signed agreement then you are forced to take it to court it would show that you have tried everything you can.

 

MY QUESTIONS IS

Where do I go from here.... iv paid them all the amount that I had stopped and they were slapping 12.00 charges every month for late payments, they were then slapping over my limit charges and finally they were trashing my credit file with 3 x late payments and close to a default

 

Please can someone give me their view

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

Hi, not been here for a couple of weeks, decided i had to try to save my credit file from default notice due to personal circs. had already tried cpr pre court disclosure part 31.16 without avail.

I really need some no mincing words advise here, I caved in to mercers and mbna and paid them the backdated amounts that i had stopped whilst account was placed in dispute by ME following in my opinion non compliance with sec 77 (they didnt agree of course)

I dont want to sit back 6 years and wait to be taken to court eventually, by which point i would have a diabiolical credit rating

My intention was always to go through the process of requesting cca

disputing account

stopping payments

sar request

then cpr request

 

and finally taking it to court for a pre action disclosure and then assuming that if they could not supply the signed agreement they would not be permited to enforce the terms pursuant to section 142 of the act and i would be entitled to seek a declaration of unenforceability from the court.

 

However somewhere down the line someone knowledgeable on here told me that if I were to take it to court I was taking a HUGE risk as it was up to me to prove the unenforceability of the agreement

 

Since then I have taken a bit of advise from a solicitor who has said that if you can proove the trail of letters trying to get a true copy of your signed agreement then you are forced to take it to court it would show that you have tried everything you can.

 

MY QUESTIONS IS

Where do I go from here.... iv paid them all the amount that I had stopped and they were slapping 12.00 charges every month for late payments, they were then slapping over my limit charges and finally they were trashing my credit file with 3 x late payments and close to a default

 

Please can someone give me their view

 

Muffintop, I'm no expert but if you've tried the CPR route then it may be best to try a N244 disclosure request as per the "why its best...." thread. This way you have asked a judge to help you obtain a copy of your agreement, got to be 10 times more valuable than just a letter trail in my humble opinion. Dont forget there are a couple of cases I believe due at the end of this month so hold off on putting the request in if you go for it.

 

S.

Link to post
Share on other sites

I can see the N244 form but dont know in what context i would use it?

I cannot find the why its best thread could you kindly give me the whole thread name for me to search it. thanks for your advise.... any one else who can add grateful, I dont want to sit around 6 years.. cannot. I want to push this forward now and just dont know how

Wouldnt I have had to done a lba and lodged my case before submitting a N244

SAMPLE FORM N244

NOTICE OF APPLICATION

Delete Above Here Ù

 

 

Plaintiff / Defendant's Address

* (

Your Address

* (

State nature and grounds of application to have the judgement to be set aside.

I wish to apply for…

The reason being that (for example) I did not receive the summons

Signed: ……………................

Sign here: ……………............... Plaintiff / Defendant

Dated: ……./…….../20……

Address for service

Your Address .................................

Edited by Muffintop
EDITING

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

Muffintop, I'm no expert but if you've tried the CPR route then it may be best to try a N244 disclosure request as per the "why its best...." thread.

S.

 

Did you mean 'why you shouldn't...' shadow?

 

If so, this is the link muffintop:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

thanks guys I will read right through, does a claim have to be lodged prior to the n244?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

  • 2 months later...

Wow.... just when I thought I was starting to get my head round this, I find this thread!:D

 

I have started my own thread previously, http://www.consumeractiongroup.co.uk/forum/legal-issues/202646-cabot-financila-vanquis-cc.html

 

and have received lots of helpful advice, resulting in me sending CPR 18 on followed by CPR 31.14 to the DCA's solicitors., but after reading this thread, I'm a little concerned about the wording on the CPR 31.14 as my particular POC are very vague.

 

the Claimant is part of the cabot financial group and has purchased the debt(s) scheduled below. Despite requests for payment the defendant has failed to pay the sum of XXXXXX in relation to the defendant's Vanquis Bank Limited Credit Card Account number xxxxx And the claimant calims the sum of XXXXX together with interest under section 69 of the County courts act 1984 and costs.

 

It's a moot point. CPR 31.14 requires a document to be 'mentioned' and a common example of a document being mentioned would be for example, the phrase 'agreement in writing'.

 

However where a Claimant expressly mentions in his Particulars of Claim a reference to a regulated agreement or to one which would plainly be an agreement regulated under the Consumer Credit Act 1974 (for example 'credit card agreement'), it seems to me that a case can be made out that mentioning the agreement in such terms is 'to mention a document' for else if it were not embodied in a document it would not be regulated and would fall foul of the provisions of Part V of The Act and Regulations thereunder.

 

That would not necessarily apply to other documents for example a default notice or notice of assignment. Again a default notice and notice of assignment will be in writing but the Claimant may not expressly mention these in the Particulars of Claim.

 

The point is this - seek the document under CPR 31.14 but be careful about applying for an order compelling disclosure of the document unless you are confident you can show the document you seek disclosure of is a 'document mentioned' in the Particualrs of Claim.

 

x20

 

There are no documents mentioned.

 

I sent off the CPR 31.14 with only no. 5 deleted.... I don't know if I've done the right thing now.:confused:

My fight so far:

 

hunni2006 V Halifax Bank: Charges £963.11 refunded nov 2006:D

Cabot financial V hunni2006: defending court summons, ongoing... July 09 :-x:-x:-x don't even get me started about them....grrr still battling

 

hunni2006 V Capital One: SA request & CCA issued, ongoing.. July 09 OC 'checking the archives...' Sept 09, no agreement, files closed!:D

<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< please feel free to tip my scales if I've been helpful!

:DLearning more, every day.....

 

I have No legal training, any opinions and advice posted are entirely my own opinion, and based on life experiences and knowledge gained on this great site. Ultimately, what you do is up to you.

Link to post
Share on other sites

oh, and what does bump mean/do please?

My fight so far:

 

hunni2006 V Halifax Bank: Charges £963.11 refunded nov 2006:D

Cabot financial V hunni2006: defending court summons, ongoing... July 09 :-x:-x:-x don't even get me started about them....grrr still battling

 

hunni2006 V Capital One: SA request & CCA issued, ongoing.. July 09 OC 'checking the archives...' Sept 09, no agreement, files closed!:D

<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< please feel free to tip my scales if I've been helpful!

:DLearning more, every day.....

 

I have No legal training, any opinions and advice posted are entirely my own opinion, and based on life experiences and knowledge gained on this great site. Ultimately, what you do is up to you.

Link to post
Share on other sites

oh, and what does bump mean/do please?

 

people will "bump" your thread if they see your question hasnt been answered. If they are unable to offer advice themselves it will just move your thread to the top of the pile:D

 

Even though you POC were incredibly vague if you read it carefully, they mention the account so you can ask for a copy of the agreement and they mention having purchased the account so you can ask for the assignment note.

 

Theoretically supporting documents would include the statement of account making up the sum they say you owe, T&cs, etc. So you are well covered. :D

 

You are a LiP (LItigant in Person) so you will be cut some slack.. either way, they cant do very much about it, :D

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4095 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...