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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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Halifax Mortgage arrears and pending repossession ** Urgent **


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Hi JJ, it can be anything between 4 and 6 weeks away from the court hearing date. I would be surprised if it is sooner than that. Wait and see if the court papers arrive (sometimes they threaten the court date to scare you into paying up). We'll deal with them appropriately if they arrive.

 

Try not to worry too much - there's always something that can be done.

 

 

Thanks Ell-enn...not worried looking forward to donning my boxing gloves...was not sure if this was a pay up now type of letter ( like I have £9000 tucked away under the mattress)..

Judging by the payments I have made it's not like Halifax have had nothing for a year so really confident for the coming months..

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That's the stuff JJ ! Stay positive :)

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Hi jj69, I payments were much worse than yours ,no full payments for well over a year, of payments made they were between 50 - 65 % of contractual also many missed payments.Full payments only started just before deadline ( 60 days after court appearance).

sleepingdog

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Hi jj69, I payments were much worse than yours ,no full payments for well over a year, of payments made they were between 50 - 65 % of contractual also many missed payments.Full payments only started just before deadline ( 60 days after court appearance).

sleepingdog

 

 

Many thanks for all you help on this....same for Ell-enn as well...

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That's the stuff JJ ! Stay positive :)

 

 

Morning Ell-enn..

Got my court summons today and hearing is on 27 April.

Letter dated 18th March and got it today 23rd.

Firstly I belive I have 14 days to reply is that right ?

Should I contact the court and let them know I have just got it ?

 

Secondly most of the items seem pretty straight forward such as budget and expenditure but may need some assistance with items such as reason for arrears..( I have a few valid reasons but need to put them in correct terms)

I am certainly going to court although the nice lady on the phone at Walker Morris said they were going for sus repo there claims are the missing mortgage arrears but also showing my last three months payments , though I have to add they have not included March as a full payment ( paid £20 two weeks ago plus the contractual to pay Mar 31st which was agreed with solicitors ) so this will be a plus payment when I get to court.

One other thing I may not be able to pay Aprils full payment until the last working day then again I may get paid on the Friday when the case is to be heard..either way I can make the payment...should I note that on the document to send back ?

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Hi there, I assume you have received a Claim for Possession together with an N11M defence form? You have until 14 days before the hearing to submit the N11M but in reality courts will accept them up to a week before - so we have plenty of time to get a statement together for Q.27 of the defence form, and I can help you with that.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, I assume you have received a Claim for Possession together with an N11M defence form? You have until 14 days before the hearing to submit the N11M but in reality courts will accept them up to a week before - so we have plenty of time to get a statement together for Q.27 of the defence form, and I can help you with that.

 

 

Thanks Ell-enn..yes it is the N11M form..I am just hooking up my scanner just in case but it sounds like you have plenty of experience in this particular form anyway..I shall get back to you if that's ok..

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Hi jj69 , good luck for court case ,but I don't think that you need it as you seem to be getting on well.I will be keeping an eye on this thread but probably not be contributing much as Ell-enn has all the experiance and advice that you need.

sleepingdog

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Thanks Ell-enn..yes it is the N11M form..I am just hooking up my scanner just in case but it sounds like you have plenty of experience in this particular form anyway

 

Yep! :)

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Hi jj69 , good luck for court case ,but I don't think that you need it as you seem to be getting on well.I will be keeping an eye on this thread but probably not be contributing much as Ell-enn has all the experiance and advice that you need.

sleepingdog

 

Sleepingdog let me just say your information has been vital and brilliant at the same time.It is good that somebody else has been in this situation especially dealing with the same company and without the advice from yourself and Ell-enn I would be going around in circles looking at a repossessed house by now.

Your postition seemed to be worse than mine yet you got back on track and managed to save your house..which has made me more determined than ever to fight for this rather than just turn up at court and sit like a nodding dog..in fact I am looking at getting charges and costs removed at least if not I have all the figures in front of me plus plenty of correspondence which proves this action need never have been taken...

I shall keep you posted.

In the meantime on a slightly different note I have a few letters to send off to DCA's about reclaiming charges and plan to contribute to this excellent site after my court case...keep up the good work all..

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Hi jj69 ,thanks for the comments,glad to have been of help,my mortgage situation did seem to have been in a worse state than yours which is why I know that you will save your home. I too started on my other financial afairs after I saved my home and the battles with DCAs are ongoing , I'm sure that we will bump into each other again on the battles that lay ahead ,I look forward to hearing of your successes .

sleepingdog

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Hi jj69 ,thanks for the comments,glad to have been of help,my mortgage situation did seem to have been in a worse state than yours which is why I know that you will save your home. I too started on my other financial afairs after I saved my home and the battles with DCAs are ongoing , I'm sure that we will bump into each other again on the battles that lay ahead ,I look forward to hearing of your successes .

sleepingdog

 

Now I know you have experienced DCA's I shall be in no doubt who to come to for info...will keep you posted on the pending court case..

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Yep! :)

 

Hi Ell-enn..

I have recieved a letter from Walker Morris (dated 23 March) basically saying I have not got in touch and produced an expenditure sheet or offered a payment plan if I do not notify them they will go for order of repossession blah blah,you must attend court etc etc..

Yet I also have a letter dated 12 Mar stating that the current payment proposal was accepatable.

I spoke to the numpty's this morning and a rather helpful lady said not to worry is a standard letter sent out by mistake and payment plan was still acceptable (hello left hand and right not working )

I have kept all the documents which should look good when I get to court but I am mighty peeved that I may be getting charged for each letter coming out.

Should I get them to confirm the payment plan in writing again ?

Also do I need to inform the court I will be attending as I have not done this yet.

Re N11 form the solicitors have sent me a similar one so should I get that to tally with the courts form when asking for the reason behind the arrears ?

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Hi there, what form have the solicitors sent? you shouldn't need to fill in any more forms for the Claimant if you already have a payment plan accepted in writing.

 

Have you started to fill in the N11M yet? let me know when you get to Q.27 if you need help with a statement.

 

Ell

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Hi there, what form have the solicitors sent? you shouldn't need to fill in any more forms for the Claimant if you already have a payment plan accepted in writing.

 

Have you started to fill in the N11M yet? let me know when you get to Q.27 if you need help with a statement.

 

Ell

 

It is a income and expenditure form with a section at the end asking for reasons of arrears,but I sent that to Halifax previously..to be honest dont want to fill another form in when I have sent expenditure to the Halifax months ago...

Nearly completed N11 so will speak to you about Q27..

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Hi there, what form have the solicitors sent? you shouldn't need to fill in any more forms for the Claimant if you already have a payment plan accepted in writing.

 

Have you started to fill in the N11M yet? let me know when you get to Q.27 if you need help with a statement.

 

Ell

 

Ell-enn..on the N11M form i have a few queries on some of the questions :

Q2 - Disputing the claim...agreeing with what is said about the property and particular of claim.. should I say yes or no ?

(most of it describes what the mortgage rates have been etc)

 

Q5 - Should the court see if the original terms of the agreement are fair - yes or no ?

 

Q7 - Have you paid any money since the claim was issued.

Would this be from when the first action was taken - ie a letter in January saying Halifax are taking court action or when I recieved the court summons letter which is March.

Q27 -

The arrears were due to loss of job,contract job with irregular payments and seperating from wife in that order..

 

Not asking much am I...lol..

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Ell-enn..on the N11M form i have a few queries on some of the questions :

Q2 - Disputing the claim...agreeing with what is said about the property and particular of claim.. should I say yes or no ? If the details of the property are correct then you should tick Yes.

(most of it describes what the mortgage rates have been etc)

 

Q5 - Should the court see if the original terms of the agreement are fair - yes or no ? No

 

Q7 - Have you paid any money since the claim was issued.

Would this be from when the first action was taken - ie a letter in January saying Halifax are taking court action or when I recieved the court summons letter which is March. This is from when you received the Claim form from the court.

Q27 -

The arrears were due to loss of job,contract job with irregular payments and seperating from wife in that order.. I'll draft up a statement for you to attach to the N11M and post it on here either tonight or tomorrow. You should write in the box at Q.27 "Please see affixed sheet"

 

Not asking much am I...lol.. Not at all :)

 

Ell-enn

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Hi JJ, statement for Q.27 affixed. You just need to enter the info where there are XX's and blanks. When you print it out make sure your printer is set for A4 paper (not Letter size) and that it all stays on one page.

 

You'll need to take a copy of everything before you hand it into the court (or send by recorded delivery). You've got until 14 days before the hearing to hand it in so if you will be making another payment before then add that to the list of payments in the statement (affix proof of payment if you can).

 

Any questions, just shout.

 

Ell-enn

JJ69 Statement.doc

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Hi JJ, statement for Q.27 affixed. You just need to enter the info where there are XX's and blanks. When you print it out make sure your printer is set for A4 paper (not Letter size) and that it all stays on one page.

 

You'll need to take a copy of everything before you hand it into the court (or send by recorded delivery). You've got until 14 days before the hearing to hand it in so if you will be making another payment before then add that to the list of payments in the statement (affix proof of payment if you can).

 

Any questions, just shout.

 

Ell-enn

 

 

Fantastic..thanks for taking time out to do that...

Just as a side note is it worth mentioning the charges on this account which have no doubt occured over the last year and a half, or is that jumping too far ahead ?

To be honest getting the possession put to one side is the main priority.

 

One other thing as mentioned before I have an expenditure form to fill in for the Solicitors,should I fill in,send back and keep a copy for court ?

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Hi JJ, statement for Q.27 affixed. You just need to enter the info where there are XX's and blanks. When you print it out make sure your printer is set for A4 paper (not Letter size) and that it all stays on one page.

 

You'll need to take a copy of everything before you hand it into the court (or send by recorded delivery). You've got until 14 days before the hearing to hand it in so if you will be making another payment before then add that to the list of payments in the statement (affix proof of payment if you can).

 

Any questions, just shout.

 

Ell-enn

 

One other question..should I mention to the judge the letters recieved from solictors with one dated 12 March showing an arrangement plan and the other dated 23rd March stating if I do not pay arrears or come to an arrangement then the Halifax will go for repossession.I know these are standard letters and I have discussed this over the phone with the solicitors but it would be nice to show the judge that despite my communication they were still churning out these wonderfully crafted letters.

Or should I include these with my other documentation to be sent to the court ?

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Hi there, I've amended your statment (affixed) You need to write claim number and Appendix 3 on the two letters and affix with everything else.

 

Kind Regards

 

Ell-enn

JJ69 Statement 30 March.doc

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Subbing with great interest. I am also in arrears with the Halifax and have found this thread very informative.

Good luck JJ69.

 

Hi Pab10...

All I can say is don't give in...the guys on this forum have been excellent..up to Dec last year I was in danger of losing my house due to paying idiot DCA's instead of putting it towards my mortgage.Now I am ready to go to court tomorrow if need be....

I have paid my contractual today +£50 but I also paid about £20 two weeks ago so all in my favour.

Three months full payments plus extra on top..

I have all letters sent to and from the Halifax over the last three months including the rejection of my payment offer in Jan which strangely enough is exactly what I am doing now and have been for the last three months.

Any advice please ask but one of the most important things I have learned on here is EVERYTHING IN WRITING !!

Keep pestering the Halifax and send recorded letters to them..pay what you can even if it's only £10 every other week.

I am now tackling my other arrears with loans via the Debt collection section..

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