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    • Can you please also have a look at points 20-27? The sent me a remediation pack with not only statements but sums of arrears they haven't sent for 2 years, so I didn't know I was in arrears. Then they defaulted me after they apologised for their cca breach. I truly didn't understand what that pack was about. I thought it was some kind of a mistake they will make right later as SLC used to do this. Genuinely I thought that but I don't know if that's an OK defence?  
    • Thank you for posting the full sar.  So they definitely did place the PCN on your vehicle only to remove it 10 minutes later apparently because of a possible problem with the driver which seems highly unlikely [the reason for the PCN removal ]. Did the driver even see the warden at all while they were photographing the car . They did take several pictures spread over 12 minutes or so using a flash so the driver would have seen the car being photographed had they been there.   Very strange. You said that you had an onboard camera -are you able to go back and see what happened? Was the warden wearing UKPC clothing? In any event that PCN has not complied with the Protection of Freedoms Act 2012 Schedule 4.  That should be a Notice to Driver and the follow up PCN should not be sent until 28 days AFTER the day the first PCN  was given were it a postal PCN. Instead the knuckleheads have issued the follow up PCN on the 28th day of their dodgy first PCN and so totally blowing all their machinations to get over the fact that  the windscreen ticket wasn't a windscreen ticket. In neither case, even if they had been sent properly, they were non compliant. neither of them showed the period of parking which is specified in the Act. Both just show a time of issue at 20.02 but no end period. Their  "mistake" in not giving 29 days  before issuing their keeper Liability notice, makes the PCN more than just non compliant. It means that the PCN was unlawful and probably deliberate as had UKPC waited until the correct time to send that Notice, it would have delayed it until the Monday. And as they probably knew that had not received the original windscreen PCN perhaps they thought it better to rewrite the Law. Part of that is conjecture but the basic fact is correct-the Notice was unlawful. And for that there should be repercussions. My first thought was the ICO but  as it isn't really a breach of data protection it goes higher than that. Perhaps the Site Team would know. I did look at the Legal Ombudsman but they are for complaints against lawyers.  I cannot imagine a decent lawyer even countenancing such a thing though were are dealing with third rate ones when involved with some parking companies.   For reference PoFA Schedule 4 S8 and S9 [2][f] f)warn the keeper that if, at the end of the period of 28 days beginning with the day after that on which the notice to keeper is given— Their PCN dated 12/04/24 states "as 28 days have now elapsed since the Notice to Keeper was given, Parking Control management [UK] Ltd. [the creditor] are now able ...........to recover the unpaid parking charge from......... the registered keeper. The original PCN was marked by them as being deemed delivered 15/03/2024 so 28 days +1 =13/04/24. Their letter was sent one day early which means they altered or ignored the law . I have never seen that "error" on any other Notice from any of the parking companies. As the Member did not receive the original PCN which was originally a Windscreen ticket but they then changed it to a postal one for some fanciful reason the whole scenario reeks of skullduggery. I am going to ask again from Hamz why their warden might have felt scared about a confrontation with the driver but even if there was a chance the PCN was placed on the windscreen and not removed for around a minute but pictures had already been taken so why remove it? And then why produce a brand new keeper Liability Notice the like of which I have not seen before.  
    • You have not been allowed the statuary 7 days to prepare or submit your statement as you only only received the notice of hearing on Saturday   Example   Erudio Student Loans Limited V XXXX Claim No: XXXXX Witness Statement in response to the claimants application It is respectfully requested that the court allow this statement as evidence in response as I was only informed of the hearing date on Saturday 11th May 2024 and therefore denied 7 days to respond. I, xxxxxxx being the Defendant in this case will state as follows; I make this Witness Statement to oppose the claimant application dated 25/04/23 to lift the stay and Strike Out Defence/Summary Judgment pursuant to CPR 24.5 (1) a & b in view of my defence submitted to the claim dated 06/07/22. The Claimant confirms that this claim issued through Northampton County Court Business Centre on 15/03/22 and remained stayed since. I will respond to the same numbered paragraphs as the claimant’s statement as follows: 1. The claimants witness statement opening paragraph confirms that it mostly relies on hearsay evidence as confirmed by the draft’s person in the opening paragraph. It is my understanding that 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 and also be in attendance at hearing to give evidence in support of the claimant’s witness statement. 2. 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.  Background Insert your pars here   Defendants Response to claimants claim/ Application Insert your points here  Conclusion Insert your points here but finish with the following. 16.  In view of the information set out above I respectfully submit to the court that the claimant’s application be denied. The claim remains stayed until such time the claimant can comply with section 77 of the CCA1974 or in the absence of that compliance strike out the claimant claim and dismiss the claim in its entirety. The claimant has failed to evidence and justify its application to dispose of this claim without a trial where a claim or issue or a defence to a claim or issue has no real prospect of success and there is no other compelling reason for a trial. (CPR 24.2)     Statement of truth I, XXXXXXX defendant, believe 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:  Print Name: Dated:
    • Thank you @BankFodder. Apologies for not being clear. Here are some further details that might help clarify: The item in question is a replica of a movie prop. I build highly accurate movie props as a hobby and these items are machined by enthusiasts in very small runs (50-100) and once they're gone, they're gone. I missed out on one of these runs but a friend from the community had purchased two and decided he only needed one so offered to sell me his other one. I bought the replica prop from him and asked him to send it to my Stackry address in USA. He is based in USA and I am based in the UK. Had he shipped it directly to me in the UK, due to the size and weight, the shipping would have been expensive. Stackry is a service in the USA that has access to cheaper couriers. I have used it many times before without any issues. I simply sign in to my account when they notify me the package is received, fill out the customs form, and select my home address in the UK, select one of the couriers after receiveing a quote based on size and weight and pay the shipping fee. On this occasion I chose GlobalDirect. I had no idea the item would be handed over to Evri on arrival to the UK. The initial tracking was with DHL e-commerce. The second tracking number on arrival to the UK was with Evri. It was Evri who lost the parcel through negligence. Below is a complete timeline of events. The item made its journey from my friend in the USA to Stackry, USA without any problems. I was notified when the package was received. The item also made its journey via DHL/Global Mail Direct from the USA to the UK without any issues. The problem happened in the UK, with Evri.   I did not take out insurance. The price of the item was £185.01 Shipping from Stackry, USA to my home address in the UK with Global Mail Direct was £17.87. Total £202.88.  The letter of claim is below. The 14 days is not up yet but I have every intention on following through. I have no priror experience with this which is why I came here for advice, but I have found the online claim form on Gov.UK and intend to start there.   TIMELINE:   Item purchased from individual in USA on 26/3/24. Payment made by PayPal. Item shipped to Stackry, USA on the same day. Item advised received by Stackry on 29/3/24. Redirected by myself to my UK home address on the same day. Payment made and selected Global Mail Direct as the courier of choice. Tracking number generated for DHL e-commerce 02/04/24: arrived to the UK and cleared customs 03/04/24: processed at local distribution centre, forwarded to delivery agent (Evri) - new tracking number generated 06/04/24: marked”out for delivery” at 08:52. No delivery attempt made all day. At 21:21 marked “on its way back to sender”.  09/04/24: no further updates since “there’s an issue with your parcel. Contact the sender”. Customer support contact via email almost on a daily basis from 08/04/24 to 23/04/24 to no avail. Letter before claim sent on 03/05/24.   03/05/2024   Letter before small claims court claim   EVRi Parcelnet Limited Capitol House 1 Capitol Close Morley Leeds LS27 0WH   Dear Sirs   Reference: Parcel with the tracking number H01PQD0027409372 / H01PQA0027204793 lost by EVRi   As it has not been possible to resolve this matter amicably, and it is apparent that court action may be necessary, I write in compliance with the Practice Direction on Pre-Action Conduct.   I have been in contact with customer support numerous times since 08/04/2024. Your driver marked the item “Returning to sender” without a valid attempt at delivery. The package is since then stuck in limbo with no further tracking updates, and as of today 03/05/2024 still says “on its way back to sender”. I have spoken to your representatives many times and they did not offer any help trying to track down the missing parcel or offer me any option for compensation. I have explained that I am both the sender and the recipient, and I am therefore within my rights to claim compensation for this missing item. I have full records of the item from the point of purchase, to its journey with DHL in the USA, and with EVRi in the UK, until it was lost in the system. The value of the item including shipping is £202.88.   From you I am claiming £202.88 paid in full to compensate the price of the item (£185.01) plus international shipping (£17.87).    Listed below are the documents on which I intend to rely in my claim against you: Screenshots of transaction made with the original seller of the item, including photographs of the item and Paypal transaction. Screenshots of the item received by Stackry in the USA and shipping cost via Global Mail Direct to my address in the UK. Screenshots of tracking with DHL Screenshots of tracking with EVRi Email correspondence with various customer support members at EVRi     I can confirm that I would be agreeable to mediation and would consider any other system of Alternative Dispute Resolution (ADR) in order to avoid the need for this matter to be resolved by the courts.  I would invite you to put forward any proposals in this regard.  In closing, I would draw your attention to paragraphs 15 and 16 of the Practice Direction which gives the courts the power to impose sanctions on the parties if they fail to comply with the direction including failing to respond to this letter before claim.  I look forward to hearing from you within the next 14 days. Should I not receive a response to my letter within this time frame then I anticipate that court action will be commenced with no further reference to you.    
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Northampton Claim by Lowell/Vanqius *** Claim Struck Out ***


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....Then another letter dated 25/04/14 by BW LEGAL

 

..Stating

''As you are aware we represent Lowell Portfolio 1 Ltd .

You were served with the statutory demand by way of personal service on 08/04/2014 ...

( I do not have any letter dated 08/04/2014 ) ..

 

. please call xxx asap to discuss this matter further so that a settlement can be reached,

if we fail to receive a response from you by 10/05/2014,

we will send a bankruptcy petition to court to be issued. a hearing dated will be set etc etc ...

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Then this was followed by The Claim form from Northhampton Dated 08/07/2014 by BW LEGAL ..

 

. Please scroll above again for details

 

.. All these letters i believe arrived around the time when i had a baby and in and out of hospital .

 

. I think Lowell discovered that i have a property under my name

and hoped that i didnt see/ respond to this claim so as to get an automatic CCJ .

. in their favour ,

, I WON'T ALLOW THIS ! ....

 

I have just checked my my experian file and cant see anything at all on vanquis except search records,

also serch records by lowells.

 

My defence would be to demand A CREDIT AGREEMENT from them , SAR , CPR ...

 

As far i m concerned the balance of what i owed could have been cleared,

i need to see the total fees , charges , ppi elements that ihas pumped up this alleged owed balance .

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Bearing in in mind that i have a recovering 11 weeks old baby ,

how stressful might this journey be ?

 

Also , reading my above ..

 

. do you think my defence would be worth it ??

 

£3600,00 is a lot to dish out just like that !!!

 

I am up to date with all my debts and i definitely DO'NT want A CCJ....

 

PLEASE HELP ...

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Bearing in in mind that i have a recovering 11 weeks old baby , how stressful might this journey be ? Also , reading my above ... do you think my defence would be worth it ?? £3600,00 is a lot to dish out just like that !!! I am up to date with all my debts and i definitely DO'NT want A CCJ.... PLEASE HELP ...

 

First things first, Have you acknowledged the claim with the Court? You MUST do this before 26.07.14

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YES I have .

. I had problems doing it on MCOL .

.. I kept getting error reponses that the claim number or Password is wrong ..

. even though i am certain that i entered all characters correctly..

 

Eventually i had to call the courty and they provided me with an email to scan the filled out N9B form to.

. i have done this and got a receipt confirmation from them..

 

Would I still be able to access it online to monitor the Progress ?

has this happened to anyone before ?

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YES I have .. I had problems doing it on MCOL ... I kept getting error reponses that the claim number or Password is wrong ... even though i am certain that i entered all characters correctly.. Eventually i had to call the courty and they provided me with an email to scan the filled out N9B form to.. i have done this and got a receipt confirmation from them..

 

Would I still be able to access it online to monitor the Progress ? has this happened to anyone before ?

 

Once you have submitted your defence that will be the end of the MCOL access.

 

You now need to concentrate on putting your defence together and submitting it before the due date. What did you put on the Acknowledgement, that you intended to defend the claim ?

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If your advice friend is reccomending you talk to them over the phone, I would start listening to someone else. They mean well but the advice they have given re talking over the phone is tragic. It will get you in bigger problems.

 

AndyRoach is your guide :)

PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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LOL yes you Mr :p

 

Your one of the many with Legal experience that have helped many people :D

PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Apparently my friend missunderstood th whole situation, and thought I only wanted to negotiate repayment period...

 

I ticked defence on the acknowledgement...

 

. pls read the above for my discovery so far on this debt .

 

. I need your advice in how to put my defence together .

 

. SIR ANDYORCH and friends pls :)

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Apparently my friend missunderstood th whole situation, and thought I only wanted to negotiate repayment period...

 

I ticked defence on the acknowledgement.... pls read the above for my discovery so far on this debt .. I need your advice in how to put my defence together .. SIR ANDYORCH and friends pls :)

 

The best thing to do is search on the threads on here to establish a defence which matches your own defence of the claim,

post it here and ask for help / opinions.

 

Don't lose sight of the fact the defence MUST be submitted by 10th August,

if you don't submit it by that date the claimant can request a Judgment by Default

(ie you would get a CCJ if you don't submit you defence by the 10th !)

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We already have all the templates in the Legal Library tiggrae ...please do not post templates to thread in full.

 

PS no chance with your no 8. and number 1 must be made by way of a separate request with the statuary fee.

 

Regards

 

Andy

We could do with some help from you.

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We already have all the templates in the Legal Library tiggrae ...please do not post templates to thread in full.

 

PS no chance with your no 8. and number 1 must be made by way of a separate request with the statuary fee.

 

Regards

 

Andy

 

 

That's find Andy,

but you've also removed the initial comment regarding the need to send out a request for information under CPR 31-

no one is helping this lady with any advice !!

 

" One way of helping you defend a claim (but don't lose sight of the fact you need to put your defence together and submit it in time)

is to request specific documentation from the Claimant

- you can do this by sending the following letter with the attachment to them

- in most cases the claimant simply does not have the documentation necessary to support a claim in the county court

- you need to send this by recorded delivery to either the claimant

or if they are using solicitors to the solicitors address.

 

Send it recorded delivery,

 

when you submit your defence mention in it that you have Served a Request for Further Information on the Claimant / Claimants Solicitors

and attach a copy of the letter and it's attachment."

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Its in the link she completed in post #1 tiggrae

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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might it be useful to attempt to discover why previous DCA's have offered such a massive discount.?

 

ok an sar to provident [vanquis] might NOt come in time, but if it does might throw some light?

 

gotta be ROP [PPI} or penalties fees involved here?

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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Sir Andyorch .... Pls what is #1 and #8 ?? I don't seem to know what you are referring to pls ...

 

.. and Triggae Thanks !!!

" you can do this by sending the following letter with the attachment to them"

Please what letter ?? I can't see it

 

@ dx100uk ... Exactly !! That is why i am disputing it ..

. if I can't send an SAR to Vanquis now please what steps do I take ?

I am so sorry I am a lame man (woman :???:)

I have no clue in all these legal terminologies !!

I wish I could just hide behind someone to sort this nightmare out !!!

but i ve accepted it's my responsibility to clear up regardless ...

I get all sweaty realising I have ONLY got 2weeks to request information from them (lowell or BW Legal ) and also submit the defence!!

 

I don't want to shoot myself in the foot by relying on my own knowledge.....

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Vanquis do a scheme where they can freeze your account for up to a year, interest free if you are in financial difficulties.

 

Did you opt in to that when you opened the account? If not , not to worry,

 

get your acknowledgment in,

 

then get working on your defence.

 

If you can;t get it all done by the deadline (new babies and litigation don't really work well together),

submit what you can with a covering letter to the court,

copied to Lowell,

to say that further particulars will be supplied in due course and giving the reason why you have been unable to get everything in on time.

 

Small claims courts have the freedom to be fairly flexible (if it's not on that track, you could ask for it to be transferred).

 

Important though - include with your defence a request for the case to be heard at your local county court.

This may require a special form, others on here will let you know about that.

 

I'm sure it will all be fine,

but be aware - since you seem to accept that you do actually owe them some money

- that you will probably end up with a CCJ, but if satisfied within 28 days it will not show on your credit file.

 

It may be worth checking your default notice to ensure it complies with the legislation which is very particular about not only the words to be used,

but which ones need to have underlines and which ones need more emphasis.

 

also the dates by which you should respond etc.

 

If not, then the debt - although due - is unenforceable,

 

so the court cannot order you to pay it, leaving Lowell and Vanquis completely impotent.

 

Good luck - you'll be fine with all the help available here

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@ Bsjbuckler .. Thanks For understanding that "NEW BABIES AND LITIGATION DON'T WORK TOGETHER" especially when it's a seriously ill recovering infant with a more demanding attention ....

 

Honestly , i don't remember opting in or out of anything .. I can't find any default notice from them, I have checked everywhere .. I do not want any CCJ which is why i am not part admitting , I am defending the claim.

 

I have read through mostly the threads to find out how to approach my next step .. but i am just getting more confusingly muddled up !! .. at this stage, I have ONLY just acknowledged the Claim. Could someone please advise or paste a link on the template of how, who to SAR, CAA , and CPR, what other documents ?? and how many days should I request that they respond by ? bearing in mind that I should submit the defense by 07th of August 2014 ...

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Sir Andyorch .... Pls what is #1 and #8 ?? I don't seem to know what you are referring to pls ...

 

.. and Triggae Thanks !!!

" you can do this by sending the following letter with the attachment to them"

Please what letter ?? I can't see it

 

@ dx100uk ... Exactly !! That is why i am disputing it ..

. if I can't send an SAR to Vanquis now please what steps do I take ?

I am so sorry I am a lame man (woman :???:)

I have no clue in all these legal terminologies !!

I wish I could just hide behind someone to sort this nightmare out !!!

but i ve accepted it's my responsibility to clear up regardless ...

I get all sweaty realising I have ONLY got 2weeks to request information from them (lowell or BW Legal ) and also submit the defence!!

 

I don't want to shoot myself in the foot by relying on my own knowledge.....

 

Rita I have removed part of tiggs post that why it does not make sense.

 

You request information by using the following links...these were in the fist post that you was advised to read and complete.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974(2-Viewing)-nbsp

 

Have you completed your acknowledgement of service?

 

Have you worked out your defence due date?

 

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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Send the above off then asap and I will look next week at what can be offered as a possible defence.

 

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thanks so much !!!

 

I 'm breathing much more better now with your advise so far !!! ..

 

I am hoping to put this together tonight and send off recorded by midday tomorrow ..

 

. so Am I to send the CPR 31.14 request to Lowell's solicitor i.e Bw Legal

 

and also send the CCA directly to Lowell with the £1.00 postal order ?

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yes correct dont sign either

 

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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I make your def deadline midnight the 9th?

 

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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