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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI advise please


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Hello can some one help

 

i have applied to get back ppi on credit card and loan,

 

the credit card i defaulted on a few years ago and are paying it off via a debt collection agency,

 

if i get ppi back will the bank take the money off me or send me a cheque,

 

the loan i paid off years ago, but the bank i still owe monies to,

 

which are with debt collection agenies,

 

any advise would be great,

 

also i had a mortgage back in 1991 till 2005,

 

i had Mortgage protection insurance from 1991-1995,

 

which was stopped by my partner of the time,

 

the mortgage was in joint names,

 

but the mpi only in his name,

 

can i claim it back.He his now dead.

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why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

 

the reclaims goto you.

 

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

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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why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

h

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

dx

 

hello thank you for the reply,

 

the bank sold all the debts to differant DLA

 

i have had the debts for over 6 years now and yes they are on my credit file.

 

The mortgage is a strange one as they have addmitted that they have sold mpi to the person that has died,

they say as i am linked to the mortgage i can claim back,

 

i had to send death certificate,

 

i am now waiting for them to start the ball rolling,ie paper work for me to claim back,but its all rather confusing

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i'd be sending those dca's you ar paying a CCA request.

 

why did you blindly start paying them?

 

fell for the threat-o-grams?

 

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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it was all done via lloyds tsb yes we did panic as we own our own home, and i all ready have a ccj on a credit card with the same bank, my solicitor said i was lucky they didnt put a charge on our home

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you stop paying them

 

they've fleeced you

 

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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Share on other sites

hello dx

 

i have drafted letters to my credit cards thank you for template, but

 

i have been reading all about the loophole in consumer credit act 1974,77/78 and

 

it seems that loophole has been closed and banks are still taking people to courts.

 

on of my debts is with court on a cja,

 

can i still send letter or am i wasting my time,

 

thanks for your help so far

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obv the CCJ one is 'immune' from a ccj request

unless the CCJ has been sold on and you are not paying the named claimant.

 

as for the rest

simply print the CCA request AS IS

 

insert their/your details

 

get a £1 PO LEAVE IT BLANK

 

send it 1st class with free proof of posting to them.

 

you do not sign the CCA

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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because you don't want them lifting a sig to 'made up' agreements,

it has been known.

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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Share on other sites

I know you've been reading around

 

but don't fall for the rubbish they sprout in letters or the phone.

 

the original creditors sold your debts for a very good reason

they couldn't or wouldn't risk going to court.

9/10 that turns out to be mis-sold PPI

or

PENALTY charges

or

no paperwork

 

if you debts are pre apr 2007, anyone trying court will need the original agreement you signed.

 

no cca = no pay! mr fleecing DCA.

 

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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Share on other sites

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