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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Lowells/Carter claimform - o2 Mobile 'debt'***Settled Claim Withdrawn***


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Hi.

 

 

One of my old mobile phone accounts was purchased by lowell and bryan carter has been acting on their behalf.

 

 

I have no reason to dispute this account and I have been paying them £1 per month for a while now.

 

 

An oversight on my part meant that I missed last months payment.

Its only been a couple of weeks and today I have a county court claim form.

 

I have never had to deal with courts so I am hoping for some advice before I do anything.

 

Many thanks

 

Paul

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Please put up the claim form and also tell us the size of the debt and how long have you been making the payments.

Have you missed any before?

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Thread moved to Financial legal Issues.

 

If you could read the following and copy and paste your your responses here....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

Regards

 

Andy

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If you could read and complete the link in my above post Paul..then we can advise accordingly.

 

Andy

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Sorry andy, i didn't see your post.

 

Name of the Claimant ? Lowell Portfolio ltd

 

Date of issue 21 APR 2015

 

What is the claim for – the reason they have issued the claim?

 

 

This claim is for 239.02, the amount due under an agreement between the original creditor

and the defendant to provide finance and/or services and/or goods.

The debt was assigned to/purchased by lowell portfolio ltd. on 03/10/2013 and notice served pursuant to the law of property act 1925.

Particulars

RE O2 (UK) ltd

A/C No xxxxxxxx

And the claiment claims 239.02

The claiment also claims statutory interest pursuant to s.69 of the county act 1984 at a rate of 8% per annum

from the date of assignment of the agreement to date but limited to a maximum of 1000 amounting to 19.13.

What is the value of the claim? 333.15 (including court fee and solicitors costs)

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile phone account

 

When did you enter into the original agreement before or after 2007? after

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. debt puchaser (lowell) via bryan carter solicitors

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? yes

 

Did you receive a Default Notice from the original creditor? yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes

 

Why did you cease payments?financial difficulties

 

What was the date of your last payment? 4 March 2015

 

Was there a dispute with the original creditor that remains unresolved? no

 

 

As I said, I'm not disputing the amount or anything, I just missed the payment that was due on the 4th of April. Thanks for your help.

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Did you receive any advance warning paul that litigation would be commenced ? Letter Before Action allowing you time to get the payments back on track?

We could do with some help from you.

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Thought not....taking a step back...this payment to Lowell of £1 per month...how was this agreed and do you have written conformation of the terms of payment arrangements?

We could do with some help from you.

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I emailed bryan carter in May 2014 with the offer £1 per month.

 

 

They emailed back 'Thank you for contacting us. Our client will accept monthly instalments of £1 if appropriate in your present financial circumstances.

We look forward to receiving your payment.'

 

 

I still have the email as proof.

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Excellent...okay firstly you need to acknowledge service of the claim...you have 19 days to complete this (by the 19th May)...register to use the Gov Gateway as advised on the claim pack...this will produce a username (keep this safe as you will need it again to submit your defence and log in) so you can deal with this on line ...MCOL ...your password is already on the claim form.

 

Acknowledge service and state you intend to defend all the claim...that is all you do for now.

 

Once the 19 days have expired you have a further 14 days to submit your defence (so 33 days all in to complete this process) so you must submit a defence by the 23rd May.

 

Bump your thread nearer the time and I will draft you a suitable response that can be used for your defence.

 

Regards

 

Andy

We could do with some help from you.

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Do you think it is fair to have CCJ placed against you for 6 years because of one missed payment?

Do you think its fair that they should litigate without even notifying you or giving you chance to make up the missed payment of £1.

Are they legally entitled to bring a claim anyway....are they the legal owners ?

Did you really legally owe £239.00 to 02 initially?

We could do with some help from you.

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You wont be responding using the response pack paul...see my post #12......you can submit a full detail defence.

We could do with some help from you.

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Ok thanks again Andy. Just trying to get my head around it. Ive never had to deal with anything like this and I am a bit shaken by it. I have registered on gov gateway but it is saying that the claim number or password is incorrect. I've tried multiple times but it just wont accept it.

 

EDIT solved it. Its case sensitive.

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Ok. I have submited the acknowledgment. I just have a couple of silly questions.

Will I have to appear at the court? The court address on the form is the one in Northampton.

The standing order that I set up for this account is still active. Should I cancel it?

Is there anything else I need to doing?

 

thanks

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Just going through the acknowledgment now. I have a tick box that asks if i intend to contest jurisdiction. I don't know what this means.
No ignore

 

Ok. I have submited the acknowledgment. I just have a couple of silly questions.

Will I have to appear at the court? The court address on the form is the one in Northampton. Maybe but it usually does not get to that stage if a good defence is offered and if you did it would be transferred to your local county court.Northampton Bulk is MCOL which only issues the claim.

The standing order that I set up for this account is still active. Should I cancel it? For £1 I would leave it may be useful

Is there anything else I need to doing? Yes you need to send the Solicitor acting a CPR 31.14 request...See legal Library for template...edit it so you only ask for a document/s that is referred to in the claimants particulars.

 

thanks

 

Regards

 

Andy

We could do with some help from you.

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lol. After reading through some threads here, it seems a lot of such cases are discontinued. Obviously they do this to scare people into coughing up. I admit I had bit of a panic when I got the claim in the post. I'm fine now though. :madgrin:

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