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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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      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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Uproar over student loan debt collector


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Hundreds of thousands of people with student loans outstanding from the 1990s have been sent shock letters from the company that bought the debt from the Government.

 

Erudio Student Loans was set up last year by the debt-recovery specialist Arrow Global. Credit industry insiders say the firm is renowned for “carpet bombing” potential debtors and, since taking over the loan book last November, it has been busy.

 

Several readers with deferred loans have contacted The Independent with fears that they could end up with a credit black mark or be forced to repay their loans, even though they remain on benefits.

 

They suggest that Erudio is trying to get ex-students to sign a note changing the conditions of the loan, allowing the deferral status and account to be reported on credit reports.

 

http://www.independent.co.uk/money/loans-credit/former-students-in-uproar-over-debt-collector-9240014.html

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Aha, I see Arrow Global are behind this ! We have seen one or two caggers posting regarding Erudio.

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one or two!!

 

there are loads of them in the running threads.

 

in this forum.

 

they cant change the T&C whatever people sign

 

and they certainly cannot use benefits as income

when calculating the total income.

 

its all in the org SLC T&C's.

 

Arrows are trying to pull a fast one.

 

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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as this thread is likely to get lots of viewers

let just recap a few things:

 

YOU DONT have to fill out the ultra intrusive Erudio Deferment form!

 

you can write just a simple letter outlining you circumstances.

 

you COULD use the old style SLC form questions only

 

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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This is just pathetic... AG once again trying to throw their weight around,

A simple letter should suffice.

 

Honestly, id like to see one of these letters that they have sent out...

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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One for the FCA for sure.

 

Arrow really are the pits.

 

Agree fully.

 

Until we start seeing the results of this change, we are a bit in the dark.

 

On CAGger was saying that Erudio classed her child care allowance as income which took her over the limit.

 

Nobody should sign any new agreement as then erudio are bound by the original terms and conditions. I suspect it is similar to when credit cards up the rates and you disagree, you can stop using the account and pay off the debt at the old rate.

 

As for marking credit files. If someone 'forgets' to defer by a couple of days, will this mean their credit file gets marked as in arrears?

 

Nothing like what Erudio said in their statement.

 

“This should be good news for people's credit ratings. A well-managed loan should strengthen someone's credit history.”

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I have just learned that they can 't put any mark on credit records ........only the original creditor can and since slc have now sold these loans/debts then they no longer will have any interest in doing so.

 

As for enforceablility of these debts, many have not received reply for their CCA's in the 12+2 working day limit too.

 

So! are these lemon debts?

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Arrow really are the pits.

 

also blame the govt. they gave these out under one premise, and now they've sold it without due regard to who!

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just like they did by selling earlier ones to THESIS [AKA LINK DCA}

 

this is where the money went....

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

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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  • 4 weeks later...

Arrow Global are an unusually aggressive and parasitical debt spiv, even for debt spivs. If they sniff a way they can get round the law without actually breaking the letter of it then they will do it without any consideration for their victims and regardless of how vulnerable their victims are.

 

The FCA should now build on their early promise and swat Arrow Global from the face of the earth. Arrow Global's presence does nothing to contribute to anyone except their owners. Their registered office is in Guernsey so they don't even make a contribution to the UK exchequer.

 

So, please FCA, check out those mountebanks and make the world a better place.

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