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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.
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    • 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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ecashwindow / early payday loans - Statute Barred Warning


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Hi all,

although its a much discussed topic "Statute Barred"

I'd thought I share some recent communication between myself and ecashwindow otherwise known as Early Pay Pay Loans.

 

A month or so ago I received an email from ecashwindow stating that a CCJ was "being" issued at my home address.

 

 

without acnowledging anything I responded to the email with

"You will need to send me copies of any signed paperwork and documents relating to the suggested loan I have with you.

Sending me threatening emails suggesting court action will not prompt me to make any payments unless you can provide the requested information".

 

Then yesterday I received the same threatening email and replied with the same response.

I at no time sent in a letter with any personal details or form of payment requesting hard copies.

But I did get a response on email from them with a copy of a loan agreement with all my personal details on it.

 

 

However the loan was from 2008 and defaulted in 2008 so it is now statute barred.

So they are being hopeful of getting the payment with threatening emails.

 

I guess what I am trying to say is for anyone being chased by this company be sure that you ave all the facts in place

before you think about making any payment. It is just scare tactics.

 

I am also seeking advice from the people that know on this site.

 

 

The email they sent me yesterday contained personsal information such as;

Full name and address

Full bank name, account number and sort code

 

Bare in mind I have not confirmed who I am or agreed that the loan was mine,

so surely they are breaking some kind of data protection by sending out personal details such as this

. If they are then I will need help in building a case against them.

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The data that has been provided most likely came from the original application and your credit reference files.

When a credit agreement is signed you agree that the data you provide can be "Shared" with 3rd parties

including the CRA's and others.

 

Clearly the company believes it is contacting the right person and has done the usual checks to confirm your ID.

Your way forward is to confirm in writing that the alleged debt is " Statute Barred" under the provisions of the

Limitation Act 1980, and that you will not therefore make any payments.

 

To continue to press for payment (of a statute barred debt) may amount to harassment. (See FCS Handbook).

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Pretty sure it is SB as last payment made on it was 30/07/2008 - I dont have access to the original bank account for this loan as its now closed so can not confirm when the last payment was made but I suspect it was a few months after taking out the loan. So even if the last payment was made say in june 2009, giving a couple of months for a default to arise, then it shoulld now be SB right?

 

Anyway I replied to his email yesterday and told them it is SB and not had a response yet.

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Im assuming the home address for you they have is one you still reside at?

 

IF you have moved, they may still seek a default judgement and ccj against you if you do not receive the paperwork to be able to defend it.

 

If they are using the exact words you have said and that a ccj is being issued and an N1 has not been sent to the last known address, that may be misleading and worth a report to the fca

PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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Haven't lived at the stated address since jan 2009 - so I have received nothing - no phone calls and no prior emails - I don't want to ask for a statement for fear of esculating things any further - can not see anything on noodle regarding this either - I really think they are just trying it on - lets see if they respond to my last email where I stated it was statute barred therefor non enforceable in court

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Watch the spite with these people

 

I had a statute barred payday loan from 2008. Remember these are 30 day loans then terminate

 

The swines a few months ago put an entry on my credit file as a payday loan and marked as closed July this year, some 7 years later after the fact

 

A few choice words got it removed when i mentioned the ICO

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How can they seek court action if it is SB?

Im assuming the home address for you they have is one you still reside at?

 

IF you have moved, they may still seek a default judgement and ccj against you if you do not receive the paperwork to be able to defend it.

 

If they are using the exact words you have said and that a ccj is being issued and an N1 has not been sent to the last known address, that may be misleading and worth a report to the fca

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Just because the account is statute barred does not mean they cannot ask or demand payment until notified of that fact

 

Until you advise them it is statute barred and accepted that fact they can still demand and enforce through the courts

 

This forum is litered with Default CCJ judgements obtained from a prior address

 

The onus is on the debtor to inform the creditor on any change of address and/or the account now being statute barred

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[email protected] - Gary Miller-Cheevers - Director

 

Why not send a final email to the director stating your points :)

You might get them off your back!

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Sent the following email to them this morning - still waiting for a reply!!

 

"As per my email sent to you yesterday regarding the advised loan being that of "Statute Barred" under the provisions of the

limitation act 1980. Therefor your emails advising County Court action are seen as harassing and threatening causing undue stress and anxiety.

 

I repeat my request that you immediately cease such behaviour and confirm that you have removed me from you contact list as the said loan is now statute barred. If I recieve no notification from you within 5 working days then I will take your lack of response as confirmation of the above.

 

Please also be aware that by sending out personal data such as full names, bank account details and personal address details without full and due deligence as to whether you are actually dealing with the correct individual is contrary to the Financial Data Protection Act and as such I shall also be raising a complaint regarding this with the respected authorities".

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Okay now raise an official complaint!

They are subject to regulation by the FCA, ICO and any FOS ruling ... Can i See the email. Just screen shot it without your email addy...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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THIS CONCERNS A LOAN YOU TOOK OUT WITH EARLY PAYDAY LOANS. YOU SHOULD READ THIS EMAIL IN FULL

Ecashwindow is the new name for Early Payday Loans. Same company, new name.

All our reasonable attempts to ask you to settle your loan no 5956 have failed.

Therefore a COUNTY COURT JUDGEMENT at your home address is being issued.

THE ONLY WAY TO AVOID THIS IS TO PAY £166.25 OR CALL 01908 440050

Pay by Card: Log on to www.ecashwindow.com/card-payment to pay by card online

Pay by Phone: Call 01908 440050 to process your card payment over the phone

Bank Transfer to: Barclays Bank - Account No: 53271889 - Sort: 20-97-58 - Account: Ecashwindow

This is the first email

 

Always quote your loan ID 5956 to ensure the funds reach your account quickly

When we issue a County Court Summons at Northampton County Court for recovery, in all cases we apply for a Warrant of Execution to be issued and effected through a Bailiffs visit.

If you have paid this within the last few days, please disregard this notice and accept our apologies.

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this is the last email

 

Thank you for your email, the contents of which are noted.

Ecashwindow Ltd will continue with its action against the debt owed, and will only accept the ruling of the courts.

Yours sincerely

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