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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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Eurido again.... Can I claim for time wasted?


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Wow. What a bunch of bullies these guys are.

 

 

I have just gone through the various threads and have a similar story with Erudio student loans.

 

 

I have supplied them everything under the sun to request a deferment and they keep on rejecting it.

 

 

My income is only 15k a year but the guy on the phone was saying that since your bank statements show an higher income

we will take that as meaning its over the allowance!

 

 

My response was that I am self employed so someone pays me for a job out which I make only 5-10%.

No we don't agree.

Send us your Tax return which I have and they want the form from HMRC which I don't get for another 2 months!

 

Supplied them my tax return documents which show my income - Not accepted

Supplied them my Tax return from my accountant - Not accepted

Supplied them my bank statements - Not Accepted

 

I have wasted a good 3-4 hrs on the phone with them and what a bunch of idiots they are.

 

I have read the threads and will fight them. What should I do next?

 

Also I want to be able to claim expenses them for the time wasted. Any suggestions?

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Watchdog had good feature on this a few weeks back.

 

As for expenses for wasted time, very unlikely, you can claim costs in a court setting and it would be feasibale to claim damages from them for time spent but would be very hard to prove and win.

 

Even then you could only realistically claim 3-4 hours of what your time is worth, this would unlikely to be much. perhaps minumum wage x 3 or the litigant in person rate of £18 x 3.

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tell us about your loan

 

 

you REALLY need to stay off the phone to these people

 

 

you'll have no papertrail and they'll screw you over.

 

 

seems like they've got you jumping through every form/paperwork request they can.

 

 

they have NO ENTITLEMENT WHATSOEVER

to see 90% of those documents you have mentioned already.

 

 

quite honestly until we get more info on your loans

I'd simply find the ORIGINAL SLC deferment form

its on here somewhere

 

 

copy it and fill it in

 

 

sign it

 

 

and end it back.

 

 

sadly I suspect you've already filled in and sent their expanded form

which is how they fleeced all the other stuff out of 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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tell us about your loan

 

you REALLY need to stay off the phone to these people

 

you'll have no papertrail and they'll screw you over.

 

seems like they've got you jumping through every form/paperwork request they can.

 

they have NO ENTITLEMENT WHATSOEVER

to see 90% of those documents you have mentioned already.

 

quite honestly until we get more info on your loans

I'd simply find the ORIGINAL SLC deferment form

its on here somewhere

 

copy it and fill it in

 

sign it

 

and end it back.

 

sadly I suspect you've already filled in and sent their expanded form

which is how they fleeced all the other stuff out of you.

 

dx

 

 

Taken out in 1996-1998.

 

 

My annual income is 16k right now and

 

 

I wanted to defer it for another year

 

 

they are saying that since the income for my self employement is 36k they will go with that figure.

 

 

Thats just silly if I get 36k in but spend 20k back on expenses on the business like buying goods

 

 

then my net income is only 16k which is what the HMRC taxes me on. Are they correct?

 

Yeah I thought they were a legit organisation and have a perfect credit history.

 

 

So to avoid any damage to it which they said that they would do with their various pressure tactics

I have given them what ever they have asked for.

 

 

Luckily everything has been done over email and only 2-3 phone calls. But all documents have been submitted over email.

 

Also since this has been going on since June to to their incompetence.

 

 

They are now claiming that they will only back date 3 months and

I will have to pay the rest once they finally agree to defer it.

 

 

Is that correct?

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You go by the old SLC rules end off

no matter what these fleecers say.

 

 

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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You go by the old SLC rules end off

no matter what these fleecers say.

 

 

dx

 

Can they put any sort of negative remarks on my credit history? Or charge me late payments fees? I have complied with the original request and sent my deferment form off within a week but it hasn't been deferred due to their new requirements.

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no-one can charge PENALTY fees

they are unlawful and reclaimable.

 

 

lowells claim they can trash your file

as your loans are old style

I don't think we have ever actually seen them do 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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I just went through some mail that I got yesterday and the letter from HMRC is here that they want. Shall I email it off to them and be done with it? I really don't want to as they have really troubled me.

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you've done the rest

 

 

might shut them up?

 

 

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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anyone chasing money etc etc

MUST hold a copy of the SIGNED loan Agreement.

 

 

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

Submitted the form that they asked for and got a call back from one their team leaders who questioned me on my income and bank statements. I advised him that I owned 3 properties through loans and he says that they will go off my income before expenses since I was a Landlord. As a LL I have various expenses which account for more then 50% of the income. If the HMRC calculates my taxes on my take home pay of 16k can these guys insist on me paying back my SL since my income before expenses is 36k.

 

He was saying that if someone gets 36k a year they can't then say they pay 1k for dinners, 4k for clothes, 3k for Petrol. My answer to that was that my expenditure does not include anything that is personal.

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or tell them when they ring IN WRITING ONLY and hang up

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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:headbang:

 

 

 

 

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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:headbang:

 

dx

 

I know... I just wanted it dealt with and had the document that they needed so spoke with them.

 

Can anyone advise if legally they are right in their claim that they go of my income before any expenses?

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in all these cases you need to refer to the ORIGINAL SLC T&C's

 

if the SLC calculated things one way

and arrows are doing in another

unless you sign a NEW AGREEMENT with arrows

 

they CANNOT change the deferment rules.

 

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 don't have these.

 

 

Is this when a CCA comes in?

 

 

yes we have blank deferment forms but I don't think the full T&C's

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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whatever they are saying pers id ignore it.

I bet they've not put that in writing have they?

 

 

you need to refer to the original SLC T&C's.

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 have thought they could only assess on your nett profit, which in your case id £16K, no matter what carp they spout

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I will ask them to put it in writing and update "if" they do.

 

They can be quick when they want to be.

 

 

someone called me last week about my earning being counted as gross before expenses.

 

 

I asked them to put it in writing and

 

 

they sent me a letter today to say that since my gross earning is over £2,000 odd a month I am liable to pay it back.

 

Thats just silly..... So say you own a sandwich shop and your turnover is 50k but you only make 10k after expenses they can't say that your income is 50k.

 

Any suggestions who I can speak to about this?

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you need to refer to the original SLC T&C's.

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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you need to refer to the original SLC T&C's.

 

See the original says that I need to be under the threshold

but it doesn't state anything about what qualifies as a income.

 

 

Interesting article http://www.theguardian.com/money/2014/may/20/student-loan-erudio-under-fire

 

It seems that they are advising credit agencies.

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