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    • OK we have various bits of a defence-even though it states 'By post and email',nothing has arrived by email and the postal arrival has been filleted down so it's more slender than it should be. I wasn't able to get them into PDF format so I'm hoping JPEG will work as well.   There are several points that I have noted straight away from their defence-    *they refer to no other correspondence apart from the SAR's'-yet I have ample evidence of correspondence with them both by mail,phone and webchat *they state that payment has not been made since November 2019-their account ledger itself states a notice of default was issued on 2/1/2020 with the default date on 3/2/2020 and yet I have evidence from my bank that DD payments were taken until February 2020 when it was cancelled. *most confusingly, their defence is dated 6 March 2021- some ten days before the claim was actually submitted!   They also include a credit agreement which goes through sections 1-6 and then lays out the pre-contract credit information and then rather confusingly hops from section 6 straight on section 11 so something has been omitted or misnumbered either accidentally or deliberately. Shall I upload the credit agreement and account ledger too or was it just the defence you needed to look over?
    • Yes I wish I had been in a position to help a few years ago but better late than never... Thanks for the updates.   PPI charged is 'No' across all months, so not relevant I assume.   There are no fees on the first detailed statement in Feb 2002, only interest (applied) charges. Is it worth pursuing this, or should I just take it in good faith that there wasn't any fees?   There are a late payment fees in September 2002 and May 2003 however both were refunded (we assume on appeal?). I assume these should not be included on the sheet. The first non refunded is May 2005.   Regarding interest rates. There are a few 'notice of default sums' letters from 2009 included they have an interest rate of 8.510% in the March 2019 and slightly lower rate of 8.010% for June, September and October. The letter states: "we are not entitled to charge you interest for the first 28 days. However, if the sums are not paid in full by that date interested will be charged at a rate of 8.010%. Since this interest rate is a variable rate, the rate which we will apply to the default sum once the 28 days have passed may be different." The interest rate of default sums from the back of the CCA is 13.9% PA. Which percentage should I use in the spreadsheet?    
    • god this blokes a piece of work... and now has to resort to dodgy car dealing... oh how things have changed for him....just to continue his like of extortion..   dx  
    • Thank you I shall. No word from them yet. I did manage to speak to a solicitor in regards their Ts & Cs. They are of the same opinion that their "blanket" terms are not really applicable to this unique situation.  Thank you for your help. 
    • I have just consulted the Spirits  aka  The Civil Enforcement of Parking Contraventions which covers the situation where the PCN is not able to be placed on the windscreen nor is it handed to the driver. "    Penalty charge notices — service by a civil enforcement officer 9.  Where a civil enforcement officer has reason to believe that a penalty charge is payable with respect to a vehicle which is stationary in a civil enforcement area, he may serve a penalty charge notice— (a)by fixing it to the vehicle; or (b)giving it to the person appearing to him to be in charge of the vehicle."                                          That was Regulation 9 so now Regulation 10 follows Penalty charge notices — service by post 10.—(1) An enforcement authority may serve a penalty charge notice by post where— (a)on the basis of a record produced by an approved device, the authority has reason to believe that a penalty charge is payable with respect to a vehicle which is stationary in a civil enforcement area; (b)a civil enforcement officer attempted to serve a penalty charge notice in accordance with regulation 9 but was prevented from doing so by some person; or (c)a civil enforcement officer had begun to prepare a penalty charge notice for service in accordance with regulation 9, but the vehicle concerned was driven away from the place in which it was stationary before the civil enforcement officer had finished preparing the penalty charge notice or had served it in accordance with regulation 9, and references in these Regulations to a “regulation 10 penalty charge notice” are to a penalty charge notice served by virtue of this paragraph.   Points b and c are effectively saying that as the PCN was not able to be placed on the windscreen either because the car was driven off before completion or the driver refused to accept the PCN when it was handed to them then the PCN can be serviced by post.  Therefore the PCN to comply with PoFA should arrive within 14 days of the alleged offence or at least within 28 days.   (3) A regulation 10 penalty charge notice shall be served on the person appearing to the enforcement authority to be the owner of the vehicle involved in the contravention in consequence of which the penalty charge is payable. (4) Subject to paragraph (6), a regulation 10 penalty charge notice may not be served later than the expiration of the period of 28 days beginning with the date on which, according to a record produced by an approved device, or information given by a civil enforcement officer, the contravention to which the penalty charge notice relates occurred (in these Regulations called “the 28-day period”).   So that is what should have happened when the PCN was not served at the time. Though the parking attendant may well deny what actually happened so we may be no further forward but we now know that they sent the ticket too late but will Parking control accept it.  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Champion soccer debt threatening court action

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Hello I have seen this a few times on here but before I send my reply to this people I wanted some advice.


Played for a 5 a side league for a few months but



recently started to have to cancel games as didnt have enough players,



the season finished and we quit the league but



now I have a letter stating that I Owe £250 and if its not paid by Feb 5th

they will make an application to Northampton county court to recover the fees and

that "in addition my credit rating with be negatively affected".


The games we couldnt play

we informed them well in advance and



on the application I have signed it only states about paying for all fixtures

but no figures are mentioned or any fees for not playing a fixture,



Do they have a leg to stand on or is this just a simpl threat to try and scare me into paying them?




Edited by parsons1985
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Ive saved it as BMP and PNG but it just uplaods as a jpeg.


All it says on the form i signed that is needed is..


" i accept full responsibility on behalf of my team to fulfill and pay for all fixtures for the season/s"

"I accept that once the fixtures have been done I cannot withdraw until a replacement team is found. I agree to abide by the rules of the competition and am over 18 years"


They seem to be threatening by saying things in the letter like.. "PLease be aware in the likely event of our application being successful, you will be liable for the court costs, in addition to your credit rating being negatively affected"

Edited by parsons1985
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Whoopsie...too much personal info on those :/

Site team will give advice on this one. I personally havent heard of any company like this actually going to court.


They will give advice on this so no rush :)


We could do with some help from you.


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Got a letter from a 5 a side league I used to play in threatening to take me to court over 250 pound owed for canceling a few games we couldn't make. I emailed them basically telling then how bad the company was and that I wouldn't pay all the debt as it's unfair and suddenly they halved the amount owed.

Is this likely to ever go to court of is it just a threat to try and scare me into paying?

I have signed something at the beginning but it's a very basic starter from that doesn't include and figures. The only bit of there that maybe considered is...

'I agree to fulfill and pay for all fixtures during the season/s and agree to abide by the rules of champion soccer'.

Would something like that hold up in court?

We cancelled the fixtures as we didn't have enough players so if the fixture never went ahead wouldn't that mean there was nothing to pay for?

they also threaten to bill me for all legal costs and give me a negative credit rating??

My friend had a similar problem with them and just igored it so I'm debating that.



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They've already given you a massive discount so they know its bogus.

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


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If it were me, i would. But it's up to you.

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


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The document you quote isnt a contract but an invitation to treat,

something that invites you to consider something else and then form a contract after due consideration.



The wording saying that you agree to abide by the rules and then not saying what they are is themain reason as to why this is so.


Did they supply a proper set of rules at the time with this or is this it?


The threats about court are most likely just that as I cannot see any advantage to them in taking the action and then losing.



How do they determine their losses as being £250 anyway?



too many inconsistencies to win over a judge.

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