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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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Lowell/Cap1 2003 card - CCA return Ver 8 T+C's + default V14- correct?


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Please could I get some advice regarding an old Capital One credit card debt.

 

In 2008 I defaulted on all my credit card debt due to loss of job etc. (8 different cards).

 

I initially buried my head in the sand, but eventually I got myself back together and set up payment plans with various DCA's.

 

These are on-going, but

 

I never heard from Capital One and just left it.

 

Around six years later (last week) with no contact either way,

I hear from Lowell Portfolio asking for the balance to be repaid (~11.5K).

 

I am unsure as to the exact date I stopped making repayments or acknowledged the debt,

but I am pretty sure it must within a few months of being 6 years and therefore potentially statute barred.

 

Please could you advise as to the best course of action.

 

How do I find out when I last made a payment, and will any contact count as acknowledgement of the debt.

 

Many Thanks

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your credit file should tell you that.

 

I hope you sent CCA request to every DCA you are paying?

 

to ensure they are legally entitled to fleece money out of you?

 

don't forget reclaiming of PPI/PENALTY charges too.

 

a DCA is NOT A BAILIFF

 

and has

 

NO SUCH LEGAL POWERS

 

no matter how many automated threat-o-grams they send.

 

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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Thanks,

 

Will my credit file go back that far?

 

What should I do if it is somewhere around five and a half years?

 

Try and wait it out till it goes over 6 years?

 

Will they not try and take me to court before the 6 year deadline?

 

I haven't CCA requested them.

 

Should I do this?

 

One of them went to court when I didn't pay and a payment plan was set up via a CCJ so I know that was legit,

and I don't really want that to happen to the rest of them.

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go get your credit file and findout.

 

so someone got a CCJ on one?

 

who was this and when?

 

and did you defend it?

 

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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Is it best to pay on-line and get my credit file from there, or is there another way?

 

It was HFC (formally Marbles CC) and was in 2011 and through Restons solicitors.

 

HFC produced all the docs on request, they then got second charge on my flat.

 

Have been paying every month since.

 

Agreed on 1% of balance per month for 9 years.

 

At the time, things were very chaotic and I just re-acted to each problem as it came up and didn't have any sort of plan.

 

Now, a few years on with some clarity and in a better situation, I would like to sort out all the issues,

but there are a few lose ends like the Capital One debt that has just re-surfaced.

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noddle is free see below

 

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 I have got my credit file.

 

It makes an interesting/bad read.

 

The capital one debt is not even on there anywhere,

and I have carefully reconciled everything else.

 

There are a few other small debts from Payday loans I took out ages ago that were settled (agreement of lump sum payment etc)

but are still showing as a balance and in default.

 

The balance has been constant for at least a couple of years.

 

There is also a £5 debt to o2 that I have no recollection of.

 

Also the payments I am making via DCA are being reflected on there,

but there is one where I am making no payment,

but the balance is still going down at six monthly intervals.

 

Please could you advise the best way of cleaning this all up

and also what to do about Capital One.

 

Many thanks

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Is it best to pay on-line and get my credit file from there, or is there another way?

 

It was HFC (formally Marbles CC) and was in 2011 and through Restons solicitors.

 

HFC produced all the docs on request, they then got second charge on my flat.

 

Have been paying every month since.

 

Agreed on 1% of balance per month for 9 years.

 

At the time, things were very chaotic and I just re-acted to each problem as it came up and didn't have any sort of plan.

 

Now, a few years on with some clarity and in a better situation, I would like to sort out all the issues,

but there are a few lose ends like the Capital One debt that has just re-surfaced.

 

did you ever send HFC an sar and reclaim all the insurances and PENALT charges.

 

pestons/HFC do many people over

shame you didn't find us earlier

 

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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CCA request time then to lowells

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

To be honest,

I can barely remember what happened with regards to the CCJ.

 

I was under a lot of stress and was just concerned about not losing my property at the time,

so just went with whatever would allow this to happen.

 

I was advised by an IFA or similar that the paperwork was in order

and I had to pay (they did write a letter to HFC at the time asking for the agreement).

 

What would the ultimate goal of sending a CCA out be?

Is it not on my credit file because it is too long ago?

Will this not be acknowledging the debt?

And do you think I should send CCA requests to all the other DCA's??

 

Apologies for all the questions, but I am not really sure what the process would be to sort all this out.

 

I ultimately want to repair my credit file and settle/payback the debts that I have to,

but I obviously don't want to be shovelling money down a black hole if I don't have to.

 

Thanks again.

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any debt that is not on your credit file is not harming 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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I would suspect the account was defaulted more than 6yrs ago

so has been removed never to return.

CCA requests are your priority here me thinks

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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yes everyone you are getting fleeced by.

 

just remember bank account OD, and mobile debts are not covered bythe CCA. so no point..

 

you are assuming they'll have agreements..

 

...you are in for a shock!!

 

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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If they have no paperwork or they do not reply within the statutory timeframe, stop repayments as the account will be disputed. Dont chase them up. You send a legal request for the paperwork and they havent supplied it. Thats their problem, not yours. Although most DCA's will try and say it doesnt matter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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nope

makes no odds the debt vanishes from your CRA file on the defaults 6th birthday PAID OR NOT.

 

ok doesn't mean the debt is not necessarily 'owed'

 

but without an enforceable CCA

all they can do is ASK

 

they cannot enforce it via a court.

 

you need to start reading around like threads

 

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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Thanks,

 

I will read around,

 

but , if they don't have the paperwork,

 

it will disappear from my file after 6 years without me doing anything else?

 

Is there any point sending a CRA to Lowells/Capital One when it is not on my file already?

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nothing to do with paperwork or not re the cra / 6yrs

read my last post again please

 

yes you need to send whomever is after money a cca request regardless

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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  • 1 month later...

As a follow up to this,

 

 

I have sent off a CCA request as advised, have not received a response.

 

 

Previously the debt was not appearing on my credit file, it has appeared on my file now.

 

 

It is stating a default date of June 2009, there are no other details.

 

 

The first red D on the credit report is showing as August 2014 all other years are blank.

 

 

Please could you advise what I should do.

 

 

I don't think I have acknowledged this debt for very close to six years.

 

 

Thanks

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sar time to cap1 then.

 

 

you need to confirm when cap1 defaulted you

typically just before they sold the debt I suspect.

it has been known for DCA's to change the defaulted date, they SHOULD NOT.

 

 

 

 

 

 

if any of the CCA requests do not produce an ENFORCEABLE CCA within 12+2 working days

you should stop payment to that debt if you are making them.

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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