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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  
    • 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.
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Capquest/? claimform - LLoyds Credit card 'debt'


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IF that what the CCA request states then yes...do you really need to ask?

 

(DELETE THIS BELOW IF YOU ARE SENDING THE LETTER TO THE ORIGNAL CREDITOR AS OPPOSED TO A debt collection AGENCY)

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Your debt has been assigned to CQ so its no longer with the Original Creditor

We could do with some help from you.

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hi

 

 

I posted the cpr31:14 to HL and the CCA to CQ and a SAR to Lloyds all recorded delivery yesterday morning. just not sure what happens next or what to do

 

 

many thanks

 

There is info provided on this thread and on the court claim form. You have to acknowledge the court claim online within 19 days of the date the court claim was issued. You will say that you will defend in full when you acknowledge, as otherwise a default CCJ will happen. Once acknowledged, you have a further 14 days to submit your defence.

 

Wait for them to respond to your requests for info.

 

Here is a thread about the court claim process. click here

We could do with some help from you.

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hi

 

 

yes, acknowledged and forms sent. I will probably be back as all the legal jargon is hard to take in. I will continue reading up on it

 

 

ive registered for a credit report so hoping this sheds some light on the debt

 

 

many thanks

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hi

 

 

.... just not sure what happens next or what to do

 

 

many thanks

 

 

waiting for abit, see if they respond, but stick to court deadlines.

you mentioned wanting to avoid an ccj. see what if anything they come back with in time. if all seems in order and correct, then can always enter into negotiations re a settlement.

any missold ppi?

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hi ford

 

I have cchecked and all letters have been signed for today so made a note of that. ive had a loan before with Lloyds years ago so I probably did have ppi on it. I think the date for the end of acknowledgement is the 18/3 and the 2/4 for the defence. Will the court write to me before this. Its really hard not worrying about it and yes where possible I would rather not have CCJ. When I do come to put a defence together if it does come to it is there like a template form.

 

thanks for replying

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No the court do not write again ..its your responsibility now to follow the time line and submit by the dates required.

 

Andy

We could do with some help from you.

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Your timeline is

 

Issue date - 28.02.2014 + 5 days for service = 04.03.2014 + 14 days to acknowledge = 18.03.2014 + 14 days to submit defence = 01.04.2014.

 

Have a read of the link below and provide any information you havent already :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.(1-Viewing)-nbsp

 

Your timeline

Edited by citizenB
amended timeline

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

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Please note - i have amended your timeline - apparently i gave you 34 days instead of 33 - my apologies

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

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hi ford

 

..... ive had a loan before with Lloyds years ago so I probably did have ppi on it. ... When I do come to put a defence together if it does come to it is there like a template form.

 

thanks for replying

 

should check then if there is any ppi. have you previously done a sar on this?

no specific templates as such, as each would be specific to the claim. but have a read around claim threads and see what has been used in defence in similar circumstances. adapt anything to suit yr circumstances.

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hi there

 

 

not sure where to go from here. I sent the cca and the cpr 31.14 they were both signed for on the 12/3 and there has been no reply as of yet. I got my credit report and on it is the old loan from Lloyds it started 27/04/2005, default date 24/02/2010 and it was then assigned to the claimant 1/8/2013.

I have until the 1/4/2014 to submit my defence

 

 

any help would be very welcomed

 

 

thanks

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hi there

 

 

not sure where to go from here. I sent the cca and the cpr 31.14 they were both signed for on the 12/3 and there has been no reply as of yet. I got my credit report and on it is the old loan from Lloydslink3.gif it started 27/04/2005, default date 24/02/2010 and it was then assigned to the claimant 1/8/2013.

I have until the 1/4/2014 to submit my defence

 

 

any help would be very welcomed

 

 

thanks

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you wait sadly

 

time to go read a few like threads here

 

nothing much more you can do

 

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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hi

 

 

do they not have 7 days to send a reply? when do I start putting together a defence to the court, the final day is the 1/4. yes I will continue to read threads etc... just like a cat on hot bricks.

 

 

many thanks

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abit of time yet re defence. they prob won't reply to cpr request in time, if at all, but they are required to reply re the cca request. start looking into yr defence, mention any non reply within yr defence. if they don't reply accurately to yr cca request then that c/b one defence to court enforcement.

i see you have recently done the sar to original creditor, that takes up to 40 days. loyds seem to send things just before the end of the 40.

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hi

 

 

my date for defence is due very soon is there a kind of template I can follow as im at a loss of how to set it out. I have had no replies from anyone C/Q or solicitors etc...

 

 

any help would be very gratefully accepted

 

 

thanks

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hi

 

 

my date for defence is due very soon is there a kind of templatelink3.gif I can follow as im at a loss of how to set it out. I have had no replies from anyone C/Q or solicitors etc...

think the date is the 2/4/14 for the defence date

 

 

any help would be very gratefully accepted

 

 

thanks

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as post #37, have a read round similar claim threads see the defences used. adapt to suit your circumstances. post up yr draft for any comment.

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hi there if anyone can have a look at this defence ive taken bits from different defences which are similar to my case does it sound ok? im not sure how to paragraph it im having a lot of problems with my laptop and word with copy and paste so its spacing is all wrong im trying to rectify it.

 

 

thanks in advance

 

 

Mr My name & Address below

xxxxxxxxxxxx

xxxxxxxxx

xxxxxxxx

xxxxxxxx

xxxx 20

In the xxxxxxxxxxxxx county courtGetImage.ashx?Fi=SDE232BDA6842D52DF!1178&C=1__BAY-SKY-WAC-WSHI&ak=m%3Den%2Dgb&ObjectDataBlobId=%7Bc3dbf825-735c-534d-9a33-e2616de490ee%7D%7B1%7D&usid=7b8fe72c-dd14-44c4-a88c-ec8f1fb7e3da&build=16.0.2430.3024&Word=1&lcSessionId=86468C8F-0E65-4473-BDBE-E60790131310&lcMachineId=905aeb419997&lcClusterId=AM3&waccluster=AM3

Claim number xxxxxxxxxx

 

Between xxxxxxxxxxxxxxx – Claimant

 

and

 

Mr xxxxxxx xxxxxxxxx - Defendant

 

Defence

 

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

I have in the past had financial dealings with lloyds banking group .

 

it is denied I am unaware of any legal assignment or Notice of Assignment being terminated from either the Claimant or lloyds.

 

It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

 

 

 

Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in 5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default

 

the claimants Particulars of Claim and put the claimant to strict proof thereof.

3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters;

 

The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, or any default notices issued or any Notice of Assignment required for the claimant to have a legitimate right of action for the purported debt or any other matters necessary to substantiate the claimant's claim.wing matters;

b) A copy of the purported written agreement, Notice of Assignment that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought, has not been served attached to the claim form.

c) A copy of any evidence of both the scope and nature of any default has not been served attached to the claim form.

20. Alternatively if the court decides not to strike out the claimant’s case, it is requested that the court orders full disclosure of the requested documents pursuant to the Civil Procedure Rules, then I will be in a position to file a fully particularized defense

21. Having instigated these proceedings without any legal basis for doing so, having failed to provide sufficient information required under the pre-trial protocols in order to investigate this claim, or indeed to provide a reasonable time period to investigate this matter, and having failed to investigate a dispute as required by the OFT debit collection Guidelines I believe the Claimant's conduct amounts to unlawful harassment under section 40 of The Administration of Justice Act1970. Furthermore, the Claimant's behaviour is entirely vexatious and wholly unreasonable.

22. I respectfully ask the permission of the court to amend this defence when the claimant provides full disclosure of the requested documents

Statement of Truth

I xxxxxx xxxxxxx, believe the above statement to be true and factual

Signed................... ..

Date xxxxxxx

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No that's only for reference when drafting and checking nor does it require names/addresses/claimant v defendant or a statement of truth if you are submitting vis a MCOL.

 

Regards

 

Andy

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 OTHER

 

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hi andy

 

 

so regarding my case does this defence sound ok once I amend the items you say don't need to be on it and also can defence be sumitted online with the MCOL?, I was under the impression that it had to be posted. I was going to send the receipts for proof of posting etc...

 

 

 

 

many thanks

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