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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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CP Plus - POLPA Code received - what now?


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On 26th June we parked in Wetherby Services, arriving at 0153hrs and left at 0456hrs. We genuinely didn't see the signs regarding parking regulations, 2 hours free parking etc. It was dark, we were on unfamiliar territory, the driver and passenger were both very tired.

 

 

We received a Charge Notice dated 6th July, with photographic evidence of us arriving and leaving. Charge is £60 if paid within 14 days, or £100 thereafter. On 9th July, we wrote to them, saying that the registered keeper did not believe that CP Plus had the authority to make contracts and demand monies in their own names. Posted Special Delivery.

 

 

Letter dated 23rd July received on 27th, saying amount outstanding now £100. In payment not received within 14 days an initial debt recovery charge will be incurred.

 

 

Letter dated 27th July, received today (30th) acknowledging and rejected our appeal, and providing us POPLA code. We now have another 14 days from date of letter to pay the £60, or thereafter £100.

 

 

We understand that we exceeded the 2 free hours, but £60 seems excessive, given that we were parked in a designated space, and there was plenty other spaces free for others to park if needed. We didn't actually intend to stay as long as we did, but having driven for 5 hours and encountered numerous road closures and diversions, we fell asleep for longer than planned. We did use the toilets at Wetherby, although didn't buy anything in the shops given the time of day.

 

 

Where do we go from here? Is there a template letter? Or is it a case of writing to them, outlining that we genuinely didn't see the parking restriction signs and appealing to their better natures, based on the fact that the driver stopped in the interests of road safety, as his passenger has cancer and needed to rest. All true. Todays letter gives us the POPLA code and web address to contact, also says if we prefer to correspond by post to contact their appeals office and they will send the necessary paperwork. Is it best to correspond by post, rather than electronically?

 

 

Hope someone can assist, even if it is just to say "stump up".

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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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your appeal to POLA should be on the follwing grounds:-

1 the appellant does not believe that a contract exists between the landowner and CPP that allows CPP tomake claims and take civil action for debt in their own anme and put it to strict proof that such a contract exists.

2 The appellant does not believe that CPP has the requisite planning permissions for their signs and puts it to strict proof that such permission was granted under the 2007 Act.

3 In any case, when entering the parking area at 1 in the morning the signs were not visible to the driver at all and therefore no consideration could be given to any offer contained in the signage. This means no contract was formed so cannot be said to have been broken.

4 the amount claimed does not represent the losses incurred by CPP for parking in a free car park that they have no duty to maintain so even if a contract has been created the amount claimed is an unlawful penalty charge rather than money owed as damages due to a breach of contract.

 

all that you have mentioned is mitigation and will not win the day so dont bother with it. I suggest sending your appeal to POPLA by post because if you submit online you cannot add to anything already sent when you receive CPP's submissions as it will be flagged as being too late. the ordinay post allows you to rebut their claims if they are trying to claim things that are not true such as they have a right under PE V beavis- that is still under consideration so claiming it is law is a contempt of court.

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  • 1 month later...

Morning - for info - letter received this morning from POPLA - details have now been passed to Ombudsman Services Limited who will be in touch after 14th September, to advise what needs to be done to register appeal. They say they have copied their letter to CP Plus Limited.

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Hi,

The Ombudsman service has taken over the appeals process and they are still getting their feet under the table so to speak.

 

All that happens now is that they will still allow your appeal to be heard but may take a little longer than usual.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 4 weeks later...

Morning,

 

 

I'm slightly confused now?

 

 

Further to POPLA writing to us (letter dated 2nd Sept) saying that things were being passed onto the Ombudsman, we received another letter from POPLA, saying that an Appeal had been opened, reference number supplied. Then on 17th September POPLA wrote again to say that some information was missing, and asked us to complete a form. Form completed and returned on 19th September (bit of a rush, but I was going into hospital for surgery and didn't know how long I would be in for and didn't want to miss the 28 day window)

 

 

Today, we've received an Evidence Checklist, copies of photographs of signage, witness statement from moto, copies of our letters to CPP, but it doesn't say who it is from, or what we are supposed to do with it? No contact phone numbers or details of any one to ask.

 

 

If Ombudsman has taken over, why are letters on POPLA letterhead?

 

 

Even at this stage, would CPPlus accept a nominal payment, just to make this all go away?

 

 

Any idea what we are supposed to do now?

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The Ombudsman service are acting for POPLA and as such, letters will still have the POPLA logo.

 

This is the evidence pack that CP Plus send to both you and the Ombudsman. This is what they will be relying on.

 

Just to be clear, even if your appeal was rejected, CP plus don't do court!

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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have a really good read of what you have received and post up a copy of the signage.

 

 

Is there anything wrong or untrue about what has been said by CPP and if so you send POPLA a letter of rebuttal.

 

 

Have they included authority from the landowner or just Moto,

who dont have the rigth to make the contract needed for CPP to sue for damages or loss?

 

 

If MOTO then it is worthless as far as enforcement goes so you should be telling POPLA that they dont have the authority

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Morning,

 

I have attached the evidence that we have been sent.

 

I don't recognise the signage, it could be anywhere, as I don't actually see it says Wetherby.

 

The letter is from Moto, not the landowner.

 

So do we now write to POPLA saying we have received their evidence pack, and dispute the evidence on the grounds that the letter is from Moto and not the landowner. And furthermore ask them to prove that this signage is specifically from Wetherby?

 

Thanks again

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yes.

 

Also point out this sign is not a contract but an invitation to treat as

 

it does not contain the conditions of the contract to be considered

but refers to other signs that are unseen and not given as evidence here.

 

No contract can have therefore been formed based upon this.

 

A Mobile phone is required to use the unseen payment method and no alternative arrangements are offered by this sign.

 

This is an unfair term, even if a contract could be formed.

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  • 5 months later...

Personal details now removed and re-attached

 

Evening - some 5 months on, we have a letter from POPLAicon, referring to parkingeyeicon-Vs-Beavis???? and asking for us to send information to them. However, we send everything to them on 9th October, Recorded Delivery, so they already have everything!

 

(Hopefully) attached is the letter they have sent - can you please advise what we do now? I think after 5 months, they have a cheek asking for further information!

 

Thanks in advance

POPLA - March 2016 Page 2.pdf

POPLA - March 2016 Page 1.pdf

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usual load of old bowlarks

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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yep

ignore until/unless you get a claimform

 

 

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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As I see it, the Beavis case was about ONE particular car park where they paid the landowner £1k per week to operate on the land in question. If CP+ did not do the same on this site (or very similar terms) then I don't see how they can use the case as a precedent.

 

The facts made by ericsbrother are still relevant in this case and as such, if you wish to counter them, write back and state as such however, I don't feel that it would be worth it as even if you lost the appeal, CP+ would have to take court action to get their 'pound of flesh' which is in no way guaranteed.

 

As an aside, I have parked many times in motorway service areas and never have I had to look for space, How could you cost them money at night in a mainly empty car park. You couldn't leave the site on foot. Where would you go? The fact they only allow one method of buying extra time (mobile) helps no one, especially technophobes or people that do not own a mobile (yes there are some out there). Unlit signage! Just how are you supposed to see them at 1 a.m when the headlights of a car don't look upwards?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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POPLA are now considering appeals stayed until Bevis was decidwed upon.

They are giving you the opportunity to add any more evidence you wish to so a second bite at the cherry.

 

 

obviously this applies to the parking co but as your appeal has nothing to do with Beavis

then saying nothing means that it will be determined on what you have already submitted.

 

 

I would leave things as they are and if the parking co is successful we still have some more card to lay later if needed.

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  • 3 weeks later...

You have to remember that this is a civil penalty and as such, the only way they could enforce it is by going to court. As far as I can tell CP+ took 6 cases to court last year and lost them all. This shows that a judge will not always see it the same way.

 

I do have to say that since the new team took over the POPLA appeals service, they seem to be refusing more. They are accepting what the PPCs are saying without further checks. IF what CP+ have told POPLA is different to what is true then they won't get far at court.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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POPLA have shot themselves in the foot regarding their statement about planning permission

because they say that no further appeals or evidence can be submitted to them.

So, when they make an error of law how do they avoid a judicial review?

 

The new remit for the contract to run the appeals must be pretty constrained

as POPLA is funded by the BPA membership and they obviously want the best decisions they can buy.

 

 

It looks like they believe that no-one would spend the sort of money they would have to to challenge this

and it is true that it is way beyond the pocket of most people to actually hold them to account

but that is the nature of the parking beast,

all based on knowing the costs of fighting are more than aquiescence rather then the correctness of their position.

 

Now you can look and see if they do have planning permission for their signage

and if they dont compain to the council (and the local press)

and use it a a very bid stick if they come demanding you pay up cos POPLA says so

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Looks like Moto do have planning permission for their signage, as I found the attached on their local council website. But, am I right in thinking they don't have permission for illuminated signage, and given it was dark, the signs were not readable?

 

However, returning to comments made by Silverfox earlier, the driver was a technophobe at the time of the alleged offence and did not have a mobile phone to pay.

08_01645_ADV _ Display of 32 various signs as part of signage scheme.pdf

06174126.pdf

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