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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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1st Credit


Deedy
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Hi there,

I have recently received a letter from 1st Credit in connection with an alleged debt of £284 last payment made in 2009 via a Debt Management Company - they have produced a statement of account but has no reference to the DMC or original creditor.

 

The debt has been chased by 3 other DCA's from 2010 to 2012 and one produced a 16 year old credit agreement which did not contain the necessary prescribed terms for them to enforce and after I advised them of this in writing, they haven't bothered since, until now 1st Credit have picked up the baton again!

 

In their letter they have advised that they are contacting the original creditor to obtain a copy of the Credit Agreement and will be in contact again when it is received.

 

Can they proceed further with this ie can they put any defaults on my credit file or enforce the debt just on the statement of account?

 

I have not acknowledged this debt.

 

Thanks in advance for any help!

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Hi Ford and thanks for your reply and informative link!

 

The original credit agreement is dated 1998 and does not contain the "prescribed" terms required to enforce it and on highlighting this fact to two previous DCA's, this resulted in them selling the alleged debt on and taking no further action which I assume means they could not enforce it. I'm just waiting for 1st Credit to produce a copy of the agreement.

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Morning Brigadier!

 

If the original agreement pre-dates the changes made to the CCA, how can it be compliant?

 

I've already received one from a previous DCA that did not contain any of the prescribed terms which is why they did not pursue the matter or are you suggesting 1st Credit may produce something that is not strictly "legal"?

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Missed that sorry 1998?

 

 

Let's just say that such things have been tried, probably in the hope that the alleged debtor has no knowledge of the CCA etc.

 

 

Have you sent a CCA request to 1st Crudit?

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Yes Brigadier and they are currently "liaising" with the original creditor.

 

 

Hi Deedy, 'liaising' or concocting something??

 

 

As to your credit file question, the debt I would expect to have been defaulted by the original creditor and all 1st Crud can do is add their details the default date Cannot be changed.

 

 

Have checked your CRA files?

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Hi Brigadier,

 

Concocting is probably the correct term! The beauty is, I have a true copy of the original agreement that was sent to me by another DCA, so if 1st credit try a recon on me, it will be identified and I'll report them.

 

Haven't checked my CRA files but have had no problems getting credit - maybe I should check just to make sure they haven't registered anything recently.

 

The last letter I received from them was rather long winded and actually apologetic but I wouldn't trust them an inch!

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Hi Brigadier,

 

Concocting is probably the correct term! The beauty is, I have a true copy of the original agreement that was sent to me by another DCA, so if 1st credit try a recon on me, it will be identified and I'll report them.

 

Haven't checked my CRA files but have had no problems getting credit - maybe I should check just to make sure they haven't registered anything recently.

 

The last letter I received from them was rather long winded and actually apologetic but I wouldn't trust them an inch!

 

 

 

Hello Deedy,

I would be a good idea to check your credit files for this.

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The old UE agreement that they sent you, did it have your signature on it?

 

If it did then they do not have a leg to stand on even with a compliant recon because you just say to the judge, yes I did sign an agreement, here it is, as you can see it does not contain the PT's and therefore S127 applies.

 

Not that it would get that far

Any opinion I give is from personal experience .

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I'm fully prepared for anything they can throw at me Fletch and they have also been pre-warned that I am in possession of a true copy of the original agreement which will be compared to any documentation

they send me and if any changes are identified, I will have no hesitation in reporting them to the OFT!

 

I've got absolutely nothing to lose and would dearly love to be a fly on the wall when they receive my letter! :wink:

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Oh you are such a spoil sport telling them that you have a copy of the UE original.

 


Hahaha! I know but I couldn't contain myself and am more than happy to ruin their day as they have ruined countless other poor soul's days by the very nature of their job! It feels good to have the upper hand for once!
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Deedy please take care with dealing with 1st Credit assume nothing, just wait and see what they come up with.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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.. just wait and see what they come up with.

 

ditto, maybe don't 'pre warn' them of certain things atm? there are always 'ghosts in the machine'.

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