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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  
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Hoist/? Claimform - Santander Loan 'debt'***Claim Discontinued***


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No remove the PoC that's just for cross reference when checking....may as well submit it now.

 

Regards

 

Andy

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  • 2 months later...

It means its stayed (parked/paused) louie....and will remain that way until/if the claimant wishes to proceed.

 

Regards

 

Andy

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They had 28 days to respond to your defence....otherwise the claim is automatically stayed......they can make application in the future to lift the stay...so please retain all the paperwork safe for any future developments.

We could do with some help from you.

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  • 9 months later...

Hi again,

as you know they didn't respond to my defence last year and didn't hear a peep until today.

 

I have just received a letter from howard cohen referring to my defence from last year and enclosing documentation of the agreement, transaction summary & a default notice template (nothing with my personal details on).

 

They state that as this confirms existing liability that their client will consider any reasonable offer to discharge the debt claimed in these proceedings.

They state after 14 days that they will seek their clients instructions to apply for judgement to be entered against me.

 

Help Please,

 

what does this mean and what shall I do?

Edited by dx100uk
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Basically it means they have created template versions to fit their claim...in hope that it will frighten you into withdrawing your defence and the threat that they will seek judgment.

 

Not quite that simple...they have to make application to lift the stay...if they wish to ask the court to strike out your defence and request summary judgment then then need to provide the original documents..not reconstituted versions...

 

Oh and they will have to pay further fees to proceed...so ignore them and see if they do wish to make application to proceed.

 

Regards

 

Andy

We could do with some help from you.

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Ah I see..... I was responding to following you you just stated....

 

" I have just received a letter from howard cohen referring to my defence from last year and enclosing documentation of the agreement, transaction summary & a default notice template (nothing with my personal details on) "

 

If the agreement has your signature on then they are good to proceed and request Summary Judgment...so in that instance it may be wise to negotiate with them.

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  • 2 years later...

Hi,

I know this is a real old thread but they have appeared again .

 

I have today received a general form of judgement or order that says the court will deal with the application to lift the stay without hearing and that the application to lift the stay and issue direction questionnaires is granted,

 

I have only 12 days to fill in some questionnaire and no idea what to do.

There are also copies of the agreement with signatures on,

what does this all mean and what should I do??

Please help

 

Edit - Also this is now from Hoist Finance Uk Holding 2 Ltd

Edited by dx100uk
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is this an N244?

 

and when was your last payment?

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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Directions questionnaire N180

 

Yes to mediation

Yes to small claims track

State your local county court

1 witness yourself

 

The rest is self explanatory...run 3 copies...file with the court by the date stated and serve a copy on the claimants sols....retain 1 for your file.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406099-LEGAL-N180-Directions-Questionnaire-(Small-Claims-Track)-**Correct-at-Sept-2016**

 

Andy

  • Like 1

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is this an N244?

 

and when was your last payment?

 

I don't think its a N244, its asking for form N180 to be filled out and saying that a copy of their defence has been received along with copies of all paperwork original credit agreement, payment summary, notice of assignment, default notice, direct debit mandate!

 

My last payment to them was October 2009 but i believe they started court proceeding originally before it became statue barred then the case was stayed until now

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Actually in looking again I think it is an N244 that Howard & cohen have filled in on behalf of Hoist Finance. Does this change things? Should I still fill in N180 and wait it out, what is the likely outcome?

 

I don't think its a N244, its asking for form N180 to be filled out and saying that a copy of their defence has been received along with copies of all paperwork original credit agreement, payment summary, notice of assignment, default notice, direct debit mandate!

 

My last payment to them was October 2009 but i believe they started court proceeding originally before it became statue barred then the case was stayed until now

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Already advised you what you need to do in my last post.....their application has been allowed and the claim is proceeding.If you dont complete and submit the DQ by the date stated your defence will be struck out and you will have a CCJ.

We could do with some help from you.

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  • 1 month later...

Hi, so I’ve had a message left from the small claims mediation team to ring and make appointment which I will do today. Is it worth me making a settlement offer now or leaving it until mediation? I’ve paid them nothing in 10 years, their claim is for £8500 & they’re last letter offering settlement to me asked for £5500 then I received another saying any reasonable offer would be considered.  What would be considered a reasonable offer at this stage please? Thanks so much in advance

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Hold on with any ideas of settlement for now...you can settle up until trial date or even at the trial.......go through mediation for now then we will move on to the next stage...as mediation will not happen anyway.

Andy

  • Thanks 1

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On 07/03/2019 at 12:17, Andyorch said:

Hold on with any ideas of settlement for now...you can settle up until trial date or even at the trial.......go through mediation for now then we will move on to the next stage...as mediation will not happen anyway.

Andy

 

I have mediation call

booked for Thursday, I know you don’t think this will happen but I’m worried in case it does and I’m unprepared. I have no idea what I should be saying &

not saying, whether I should admit to the debt etc the email says I will be asked to clarify my opening position that I should briefly & accurately explain my claim

or defence? Any advice would be so much appreciated please

 
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so everything is in order re the paperwork??..bar the default notice being just a template..without any proof of when the original creditor sent it??

 

urm..2nd one like that this week

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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8 minutes ago, dx100uk said:

so everything is in order re the paperwork??..bar the default notice being just a template..without any proof of when the original creditor sent it??

 

urm..2nd one like that this week

I’ve just looked through the mountain of paperwork most recently sent from them and there does now seem to be a default notice dated 2010

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would it be possible to scan it all up bar the statements for now?

one multipage PDF only please

it would give us a better idea to inform you

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... 

Link to post
Share on other sites

There are 14 pages of the application notice

 

further 25 pages attached which includes

copies of letters received from them inc.

 

copy credit agreement,

dd mandate,

statement of account,

default notice,

notice of assignment,

settlement offers,

evidence of means forms.

 

Which do you want to see please

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