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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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Thanks for this.

 

 

The default date is showing as 1/06/2009,

 

 

but the record on my credit file only starts from August 2014

 

 

and the letter says that the debt was sold to Lowell on 24/07/2014.

 

 

Is it ok to send and SAR and CCA Request??

 

 

Does SAR cover everything on its own or is CCA needed as well??

 

 

Thanks

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please BE CLEAR.

 

 

a CCA request goes to WHOM EVER IS AFTER MONEY/YOU MIGHT BE PAYING.

[i'e a DCA]

 

 

an SAR ALWAYS goes to the original creditor.

 

 

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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This has been done now. Thanks.

 

 

I also have a CCJ on my file that I am paying 85 a month to.

 

 

Is it worth doing an SAR etc now for this debt, or is it too late.

 

 

I never went to court or anything with this,

 

 

I just phoned the DCA when I received a court letter and agreed a payment plan and that was it,

never checked it was legit or anything, assumed it was otherwise they wouldn't have pursued me through courts.

CCJ is on credit report though.

 

 

Can a CCJ last more than 6 years?

 

 

Also, If I have not paid all the debt off after 6 years from the default date, will it stop appearing on my credit file?

 

 

What will happen then?

 

 

sorry for all the questions, but now I have looked into this one issue,

I want to try and sort the whole thing and get an understanding of my position as have been ignoring the issue for a number of years.

 

 

AMny thanksScott

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phoned a DCA..oh dear...

 

bet they loved you ..

 

hey its that cash cow on the phoned again doug...

 

no seriously.

 

the CCJ will drop off after 6yrs paid or not

the debt will drop off on its default dates 6th birthday paid or not.

 

regardless to these two happening,

the debt is still payable

and esp so as its got a CCJ against it.

 

who got the CCJ [the claimant]

and who are you paying now

and when was this?

 

 

there is no harm in sending an SAR to the OC

sadly the time for a CCA to the DCA is long passed

the CCJ trumps that

 

 

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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CCJ is with Capquests investments Ltd.

 

 

Think it was a Halifax CC originally.

 

 

31/10/2013 is the judgement date.

 

 

Will probably just get on and pay it.

 

 

Hoping to get rid of it within 3 years.

 

 

What I would like to ascertain is,

 

 

if I pay off CCJ's in 3 years and by that time all the defaulted debt is off my credit file

(all of it goes over 6 years from default in 2015/2016 (wont have paid it all off by then though)

does this mean I will have a clean credit file?

Or will they re-apply to put all the debt back on with a new default date??

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once debt falls off - it can never return

 

 

as said before

regardless to if/what you pay on a defaulted debt or a listed CCJ in the public section listing

 

 

they will still vanish on their respective 6th birthdays.

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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are you still paying the claimant [capquest]

 

 

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 am still paying Capquest.

 

 

I am a bit confused as to why a couple of DCA's pushed for CCJ very quickly,

when there are a couple of others where the debt has not been serviced for over 12 months and no contact.

 

 

I assumed this was because they had all the correct paperwork and the others didn't.

 

 

That's why I didn't really bother to fight it and just agreed something affordable.

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can I just check these payments were detailed on the judgement of the CCJ

and you have a copy?

 

 

seems like everything is ok with it.

 

 

theres no harm mind in you sending and sar to cap1 mind

to see if theres any PPI or PENALTY charges around to get back?

 

 

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 think what happened was that I did not reply to the original court docs,

(living elsewhere and ignoring or not picking up my mail)

 

 

the judgement got made without me doing anything and in my absence I think.

 

 

I then just contacted Capquest and agreed a monthly instalment.

 

 

Don't have any paperwork connected with this really.

 

 

Sounds silly in retrospect, but at the time, I couldn't deal with any of this stuff

so just ignored everything and dealt with it in the moment if I was forced to.

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urm so you don't even know the judgement total?

 

 

you could findout from

 

 

www.trustonline.org.uk

 

 

you might want to sar HFC on the otherone too

 

 

the one with the CO?

 

 

though a sep thread is p'haps best

 

 

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 have a had a look, they are both showing as unsatisfied judgement,

but with no record of what I am paying back monthly (is this right??).

 

 

The Capquest one is for the balance on that credit card at the time,

 

 

but the other one is for more than the balance at the time.

 

 

What is strange though is the outstanding balance on my credit file for this one is less than the CCJ amount minus what I have paid back to date (by about 3k).

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Thanks. I have a had a look, they are both showing as unsatisfied judgement, but with no record of what I am paying back monthly (is this right??). The Capquest one is for the balance on that credit card at the time, but the other one is for more than the balance at the time. What is strange though is the outstanding balance on my credit file for this one is less than the CCJ amount minus what I have paid back to date (by about 3k).

Public Record data on CRA files does not show payments.

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if you have the CCJ numbers now

 

 

phone northants and either ask them to read out the judgement box for each

word for word and CAREFULLY write it down.

 

 

or ask for copies of the CCJ's to be sent to you.

 

 

might be a small fee mind.

 

 

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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  • 1 month later...

As an update to the posts above.

 

 

I have received a letter from Lowell portfolio (the DCA) saying that they have not received the Credit Agreement from Capital one

 

 

and will not contact me again until they do,

 

 

but will want full payment when they do get it.

 

 

I have received another letter from Capital one in response to the SAR saying I did not sign it (I signed using the CAG anti-copying template).

 

 

Do I resubmit with a normal signature, or try again with the pasted in image of one??

 

 

Many thanksscott

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fleecers batted off nicely..little darings aren't they..

 

 

as for the SAr you should always sign an sar

 

 

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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  • 2 weeks later...

as the sar is going to the original creditor

 

 

they are no longer interested in you.

 

 

its the dca that owns the debt now you have to watch.

 

 

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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  • 3 weeks later...

Firstly, I'd like to thank you for all your help with this.

 

 

I received a letter yesterday from Lowell Portfolio saying that the CCA is no longer available due to the length of time since the account was opened.

 

 

They are closing the account and will not make any further contact unless the CCA is produced by Capital One.

 

 

I guess this is the end of the matter then?

 

 

Should this then be removed from my credit file, or do I have to do anything else?

 

 

This has now motivated me to try the same thing with everyone else I am paying.

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little fleecers huh..

 

another one bits the dust.

 

well done

 

now go check the others you are blindly paying

 

sadly nowt you can do about theCRA file

 

there till the default gets to 6yrs

 

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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Can't the OP do a Section 10 request asking Cap1 to stop processing his data?

I dunno if this is pure FMOL stuff - guess where I heard of it :-) - but it seems logical.

 

 

If they can't establish there was ever a properly executed agreement,

how can they advise the credit reference agencies that said agreement's been defaulted on?

 

 

They have to process data to do that, and if there wasn't ever a properly executed agreement,

if I have this right, then what's Cap1 doing with his data at all, let alone telling third parties he's a bad credit risk?

 

 

I personally got Crap1 to give up chasing after me for a little over four grand and my next step,

to be taken when I feel better versed with the subject, will be to section 10 their data controller and telling him to cease and desist.

I'm not saying to go blindly ahead and do this but I'd advise the OP to check this idea out at least.

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  • 1 month later...

Hi,

 

 

As a further update to the above.

 

 

I received a letter from Lowell over Xmas, enclosing a signed CCA and a monthly balance of account (not original just reproduced on a spreadsheet).

 

 

I have had no response to the SAR request, but Capital One say it should be with me in the next 7 days.

 

 

The statement from Lowell shows that I made one significant payment 3rd Jan 2009 (which seems likely),

and one small payment on 3rd June 2009 (although I don't think I did, but cant remember for sure).

 

 

Please could you advise,

Lowell have now written to me twice since xmas chasing for payment.

 

 

I would like to wait to see the SAR from Capital One and try and establish if I made the payment in June 2009

before I start any payments to Lowell.

 

 

Thanks

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scan up the CCA return please

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (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!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

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

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T 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!!

.

 

 

...................

 

 

 

 

you need to start two new threads for each debt with the CCJ's

 

 

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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Everything they sent is attached. I have not included the monthly balance. I have blanked out one of my signatures, the other one has been scribbled out as can be seen, this is how it looks on the paperwork they sent me, I have not done this on MS paint.Many thanks

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