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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
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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.

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Can anyone tell me if a sticker obscuring part of a parking sign would invalidate the parking restrictions?

 

The image of the sign is part of Manchester City Councils photographic evidence to support a PCN against me, and part of it is clearly covered by a sticker.

 

I would post the image here but I don't have sufficient posts to do that, but there is a sticker over the time period when a driver can return - the bit that says "No Return Within 2 Hours" - although someone has covered over the "2 Hours" with a sticker.

 

Thanks for any help...

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**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

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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Well first can I say that this is not my first line of defense, I was asking in case I needed a back-up to my primary defense....

 

The offense was 'Parked for longer than permitted' but that isn't true!

 

I had moved the car, to the bay where the PCN was issued, from the adjoining street (the 2 bays are less than 50 meters apart)

so it appears to me that the enforcement officer has got his/her facts wrong

or has deliberately falsified the evidence (does that kind of thing happen?)

 

but how do I prove either?

 

I can see how it might sound as though I am just trying to wriggle out of this penalty,

but I do this every day I am at university, well within the 2 hour time limit, and have never had any problems before.

 

I have appealed the ticket by email, but

 

the city council rejected it saying their officer had noted "on their first observation the civil enforcement officer noted the positions

of the valves on your vehicle's tyres in their pocket book at 10 and 4.

This is standard procedure.

 

On their return, the valves were in the same positions.

 

This is the reason why the civil enforcement officer believed your vehicle had not left the free bay and returned to the same parking place later".

 

In my appeal I never said I'd returned to the same bay, I gave them precise details of where I had been parked and the times I'd been parked in each.

 

Any suggestions what my next step should be?

 

In the Council's letter there is no mention of further appeals,

 

just 3 options that all involving paying the fine

 

- something I don't want to do given that I didn't overstay.

 

Thanks...

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2 options:

pay the discounted penalty

wait for the NTO and make formal representation with the same grounds + the obscured sign as documented in their own photo.

 

They will reject almost certainly.

 

You then appeal to the adjudicator again on the same grounds.

 

It's possible that the council will back down at this stage since, in theory, the CEO's notes should note your car first seen in XXX street, whereas the pcn was given in YYY street round the corner.

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I think the best thing to do is get on the phone to them and speak to someone about the photographic evidence they have and the CEO notes. If they are saying he noted the valve positions, then the question is, when was that first observation made. And are there any photos from that point, which would enable you to look at the ground/pavement and see that it's a different spot. And are there any other notes which might indicate where the car was.

 

Knowing what hard evidence they have will help you decide whether to re-appeal on that basis, and hopefully win out, or change to a different line of appeal.

 

So far as the sign goes, if you were ticketed for overstaying and the sign was obscured, then that's a reasonable case too. But were there any other signs next to this bay, with the info on? If so, an adjudicator might rule that the signing was sufficient. (Again, it would be good to know what sort of photos they have of the signage on the day.)

 

By the way, they will probably be happy to email you their photos - but finding out about the notes too will help clarify the best move.

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Thanks for all your help it is really useful to hear from the 'experts' :-)

 

There a 5 images of the alleged offense, but only 1 image of any signage (the one I posted a link to in the 3rd post) - are you suggesting they might have more?

 

as I said the sign is of less importance to me than the fact that they are wrong in my case - my only interest in the sign is as a back-up in case they stand their ground and won't entertain the fact that the car had been moved. I'm not sure whether it is up to me to prove my innocence or them to prove my guilt - but if it's the former, it might prove pretty difficult to do.

 

I'm going to email them and ask them for more evidence about where the first observation was made, and request any further images they may have. Thanks for all the help so far, I really appreciate it.

 

I will update when I hear back from them...

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I have seen first observation images so there is a small chance.

 

@Ray - in terms of their photos, I was wondering really if there is a second sign there. (Do you know?) If there is, and they have a photo of it, that would weaken that particular line of appeal. If they don't, then good, especially if you know for sure that this is the only sign, and it's unclear.

 

I think you need to get all the photos and CEO notes, and let us know what's in them. It could be a lazy staff member just not bothering to look at the evidence properly - it's impossible to say. But fact-finding now will help a great deal.

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Obscured sign in their own evidence = unenforceable restriction in any case.

 

Not if there's another sign there which is OK. One damaged sign among several isn't going to invalidate the whole bay. It depends what's there.

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The signage issue is only secondary, since the OP admits he knows the 2 hr no return in 2 hr restriction because he habitually parks there and always moves his car to a different street to comply. However it's worth including because it is obscured, and yet the council have included it as primary evidence of the restriction and that that the contravention occurred.

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Obscured sign in their own evidence = unenforceable restriction in any case.

 

I hope you are right about this, although I'd also like to get them to realise their CEO's note taking needs some improvement as well...

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@Ray - in terms of their photos, I was wondering really if there is a second sign there. (Do you know?) If there is, and they have a photo of it, that would weaken that particular line of appeal. If they don't, then good, especially if you know for sure that this is the only sign, and it's unclear.

 

Not sure if there's another sign or not, I didn't check. I've left uni now until September but I'll get someone to check for me and take some photo's...

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The signage issue is only secondary, since the OP admits he knows the 2 hr no return in 2 hr restriction because he habitually parks there and always moves his car to a different street to comply. However it's worth including because it is obscured, and yet the council have included it as primary evidence of the restriction and that that the contravention occurred.

 

Yeah I'm not denying I know the restrictions in these bays, but I was under the impression that if the signage doesn't meet the regulations then the parking restrictions are suspended until they do. Am I wrong on that one, assuming there isn't any other signs that is (I don't know if they is yet)?

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What's the exact location so we can look on Google Streets?

 

Great idea I never thought of that :-)

 

It's Higher Ormond Street, Manchester - I was parked exactly where the red car is, the one in front of the illegally parked blue Corsa!

Edited by _Ray_
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I was under the impression that if the signage doesn't meet the regulations then the parking restrictions are suspended until they do.

 

That's the theory, but councils are more interested in making money, so happily ignore the regulations. Even when appeals succeed, plenty of councils don't bother to correct signage and just carry on issuing more pcn's

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