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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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Help! Court claim from Bryan Carter/Lowells/HFC


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Hi can anyone help me please?

 

I have today received 2 letters - one from Bryan Carter and

one from Northampton Court.

 

The one from Bryan Carter says>

 

As you have failed to make repayments on the above account we have now issued litigation proceedings in the County Court. You will recieve a claim form in the next 48 hours direct from the court. Balance including interest court cost and solicitor fees is £1125

 

I emailed Bryan Carter this morning with the following>

 

Ref your letter dated 18th July 2014, with instruction to pursue through court please find below

Re:− Account/ xxxxxx

Reference Number :-xxxx

 

I do not acknowledge any debt to your company or its clients. With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

4. A copy of any other documents referred to in the agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of our credit agreement on request. Please note that under no circumstances should this payment be set aside against any alleged debt. If you are unable to supply the documentation requested.

 

I understand a copy of our credit agreement should be supplied within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you, as the alledged matter does not show up on any of my credit reports and i shall defend this in court.

 

Their reply back was>

 

LOWELL PORTFOLIO I LTD V xxxxxxxxxxx

ACCOUNT NUMBER: xxxxxxx

CLAIM NUMBER:xxxxxxxx

 

Thank you for your email, the contents of which we have noted.

 

We confirm that we are instructed by Lowell Portfolio I Ltd to act on their behalf in relation to the collection of an outstanding balance in the sum of £1,125.70. The debt relates to HFC Bank LTD account number xxxxxxx which was assigned to our client.

 

It is the original creditor’s policy to provide an agreement to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt. Our client will provide a validation of the debt in accordance with the court’s directions.

 

A Claim was issued in this matter on 17 July 2014. Please respond to the claim using the Response Pack provided by the Court. You should comply with the deadlines outlined by the Court in order to avoid a default judgement being entered against you.

 

We recommend that you seek independent legal advice in this regard.

 

Yours sincerely

 

Bryan Carter Solicitors LLP

11 De Havilland Drive, Weybridge, Surrey KT13 0YP Tel: 0845 219 8686 Fax: 01932 341 517

e-mail: [email protected]

 

I checked my credit file and i have nothing showing on my account for this debt. The last time it was acknowledged was July 2008.

 

I have had no letters from either HFC or Lowells. Nothing I have signed for by anyone. The date on the claim form says 18th July. The claim form says it was assigned to Lowell portfolio ltd on 23/10/2013 pursuant to the law of property act 1925

 

What do i do as really do not want to get a ccj as i want to move in 6 months time. Please can anyone help me :(

 

====================================================================================

What is the value of the claim? £1125.70

 

Is the claim for a current or credit/loan account or mobile phone account? Credit account for pc

 

When did you enter into the original agreement before or after 2007? JUly 2008

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser who has issued the claim

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No nothing at all. I would remember if i had

 

Did you receive a Default Notice from the original creditor?

 

I think maybe so yes but if i did it is not showing on my credit file for either experian, equifax or Callcredit for anything relating to this matter

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Nope nothing

 

Why did you cease payments:- Completely forgot about it when the now ex was pregnant and we was struggling

 

Was there a dispute with the original creditor that remains unresolved? Nonei know to - theyve never contacted me

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No never

Edited by meandbex
missed info off

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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is this another HFC debt from the one you already have a CCJ/CO on?

 

and lets try not to do a headless chicken act this time please:lol:

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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Lol....ok.

 

no.this a different one mate. The other one is now the exs problem ;)

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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ok so you never sent an sar to HFC in your name.

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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no mate - only as i forgot bout this as i hadnt heard anything from anyone

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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darn

 

what do you mean the last time the debt was acknowledged...how?

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

darn

 

what do you mean the last time the debt was acknowledged...how?

 

well i didnt acknowledge the letter itself as i forgot, i meant i guess the last time i recieved anything.

 

I have even today rechecked my credit file to make sure i have not gone nuts - theres is nothing pertaining to this debt what so ever.

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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receiving letters is not an ack of the debt

and does NOT reset SB clock.

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

so when was YOUR last payment then?

or when was it defaulted?

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

get the claim acked on mcol defend all

 

get a CCA request off to lowells not carter BY LETTER

 

and a CPR 31:14 to lowells too.

  • Confused 1

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... 

Link to post
Share on other sites

Thanks dx- what do i put as my defence? Should be it be fancy worded?

 

I have no idea when my last payment was made

I have no idea if the account was defaulted.

 

I have an old copy of my credit file from 4th January 2014 from check my credit - its shows all the credit agencies. There is NO record of the debt recorded against any of them

 

The only thing i can is is that Lowells made an unrecorded enquiry in November 2013.

 

Thats it - nothing from HFC, or Lowells itself or anyone else?

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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please do post 10

 

you don't need to enter any thing in the defance at this time

 

just exit mcol once you have acked the claim

 

and ticked defend all

 

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

ok - thansk dx :) Then sit back and wait? What happens when that form gets submitted defending it?

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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what form?

 

you do it online again.

 

but that's 33 days from the date on the for away.

 

so you have now ack'd the claim.??

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

no ive just logged in and about to start...it says

 

Did you dispute the the claim as you paid for it , yes or no

 

I selected no

It then says please state your defence in a maximum of 122 lines...

 

ive stopped and done nothing more now,,,

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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you need the AOS section

 

just ack the claim.

 

defend all exit mcol.

 

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... 

Link to post
Share on other sites

you need the AOS section

 

just ack the claim.

 

defend all exit mcol.

 

dx

 

 

forgive me for being dumb, but it only gives me 3 options....

https://www.moneyclaim.gov.uk/web/mcol/welcome

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Share on other sites

have you registered with MCOL yet

[created an account?]

 

and noted the long number you get

 

then logged in using those details.

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... 

Link to post
Share on other sites

have you registered with MCOL yet

[created an account?]

 

and noted the long number you get

 

then logged in using those details.

 

Okay - logged in then i see AOS.

 

This was issued on 17th BC said.

 

Letter from court says 18th July.

 

Have i missed deadline?

 

message says

 

 

Thank you. You have successfully submitted your Acknowledgment of Service (AOS) form to the court.

 

Acknowledgment of Service Submitted

 

Claim Number xxxxxxx

 

 

Response type

Acknowledgment of Service

 

Claimant name

LOWELL PORTFOLIO I LTD RE:LOWELL FINANCIAL LIMITED

 

Defendant name

Mr xxxxxxxxx

 

Submission date & time

23/07/2014 22:45:11

 

If your response was submitted on or before 4:00pm on a day on which the court is open, it will be received and processed on that day. Responses submitted after 4:00pm will be received and processed on the next day that the court is open.

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Share on other sites

Thank you. You have successfully submitted your Acknowledgment of Service (AOS) form to the court.

 

 

done!

 

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... 

Link to post
Share on other sites

Thank you. You have successfully submitted your Acknowledgment of Service (AOS) form to the court.

 

 

done!

 

dx

 

 

i panic too much lol.

 

so what happens now as not done this before. Ive written my CCA to Lowells. now just need to find the cpr form thing.

 

I might need cpr by the end of all this lmao...

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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top library tab legal section

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... 

Link to post
Share on other sites

on the front page of you claim form

type out the PoC

exactly as it appears

{minus your details]

 

and please don't send that other version of the CCA you emailed in post one

 

use our CCA request only

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... 

Link to post
Share on other sites

ok - will do thanks. Seems there are so many variations of forms when you select search - I keep forgetting about the Library doh!

 

So the process from here then, does that mean i still have to go to court?

Is there an acknowledgement that it gets delayed?

If it does do i need to provided evidence etc etc

If so what kind of evidence

 

How likely is it that i wont get a ccj? - massivley important i dont so i can move and be closer to my mum and my kids

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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