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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
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NewDay Ltd / Debenhams Store Card Assigned to Lowells


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Than I would send a sar requesting your statements or payments made towards the PPI, sometimes I have just sent a letter asking for redress of PPI, but you have to trust what they tell you, not always a good idea, if you have poof of payments then you know were you stand.

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always a sar before attempting any reclaim

 

gather all the info first

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 3 weeks later...

Hi - none since the last post - they haven't complied legally with my request although they reckon they have. I was going to write to them and tell them so again but then I thought why should I keep writing to them - I have it in writing from them that they are relying on an application form and current terms and conditions for a Credit Card and NOT a store card so if any DCA comes to me I shall tell them the account is in dispute until such time as NewDay can send the correct documentation. If it gets to court stage same will apply. I haven't got the time or money to keep chasing them. The terms and conditions should be the ones which were in force at the inception of the account and I would have thought a company like NewDay should know that!

Have you done anything yet?

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hi - they are a pain unfortunately as the ones I have dealt with really don't have a clue! I am thinking about sending a SAR to the original provider which was GE Money but again this would probably be a right hassle!

 

 

Good luck with yours though.

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I have been having problems with them. They are trying to collect a debt from me which doesnt exist they have now passed the debt to a debt collection agency called lowell group who are extremely rude they even laughed at me on the phone when i told them debt was paid off 2 years ago!!!!

I have been informed by others that direct debits were cancelled by Newday ltd and they forcing the blame on to customers which is a fraudulent act.

I have written to the FCA and ombudsman service and am awaiting a reply. Both newday and lowell refuse to investigate my claims that the debt was paid off and insist on trying to collect £70 for a debt that was only £5 to begin with. never received any warnings or notices about the final payment not being received, was never told it was being passed to a debt collection agency either. They are a huge headache!!! anyone else having problems?

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  • 1 month later...

Hi,

 

I have today received a letter from NewDay and one from Lowell's in the same envelope advising that NewDay have sold my debt to Lowell's.

 

As NewDay could not produce a copy of the Cca when I asked for it should I contact Lowell's and advise them of that or should I ignore them?

 

Thanks in advance for any help.

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Not an 'account in dispute' version?

 

I'm rather annoyed as well as Lowell's have sent me letters every few months over the last year re a debt which is SB and due to drop off my credit file in June this year and I have ignored them as always reduction letters so obviously probs - didn't want to enter into any dialogue with them but now I will have to..... :(

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Morning,

 

 

Would someone mind letting me know what they think on the following and whether any of it is out of date? Thanks in advance.

 

 

''Dear Sirs,

 

Account No: XXXXXXXX

 

I write with reference to the above numbered account. I would like to point out that this account is formally in dispute with **Original Creditor ** and has been since they failed to comply lawfully with my consumer creditlink3.gif Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974).

 

Being that the Original Creditor is in default of my CCA Request and OFT Debt Collection Guidelines, I consider this account to be in serious dispute, especially due to the fact that whilst my CCA Request remains in default (outstanding), enforcement action is not permitted in line with s.127(3) of the CCA1974.

 

Consequently, any legal action you pursue will not only be fully and vigorously defended, it will also be averred as both unlawful and vexatious. As such I respectfully suggest that this account is returned to the original creditor for immediate resolution prior to my seeking legal advice; due to the fact you cannot lawfully pursue any enforcement activities as the account was already in dispute at the time you became involved.

 

I have familiarised myself with the Financial Conduct Authority (FCA) consumer credit sourcebook which states the following rules:

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

 

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

 

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.

If you decide to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsmanlink3.gif Service and possible court action.

I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter and look forward to hearing from you in due course.

 

Yours faithfully''

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Just to let you know that I sent a tweaked version email to Sara De TUte, RIchenda KUllar, Andrew Bartle and JAmes Corcoran this afternoon and have received email confirmation from Lowell's and NEwDay that they are going to look into my complaint re CCA and that the account should not have been sent to Lowell's.

 

Will keep posted in case anyone may be interested in the outcome.

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account sale whilst in dispute happens all the time

 

but until Lowells can provide a compliant cca request

 

s78(6) prevents enforcement (not 127(3) as in your letter, only a court can make an order under 127(3))

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi - thank you and thanks for confirming the section as I was trying to make a point that they couldn't enforce unless a court ordered - didn't quite word it right I guess.

 

I have a reply from both Lowell's and NewDay advising they are going to look into the points I raised - will be interesting to see what they do as I am sure NewDay have offloaded this one so fast as they know it's going to be difficult for them to enforce.

 

Have sent a SAR off today to the OC as well.

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