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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  
    • 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.
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cabot/restons Claim Form - lloyds credit card debt


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So do I deny having a Contract in paragraph 1, with Lloyds Bank, or

 

Particulars of Claim

 

1. The Claimant claims payment of the overdue balance due from the Defendant under a contract between Defendant and Lloyds Bank dated on or about June 13. 1999

 

I deny (to the best of my knowledge??????????) ever having signed a Contract between the defendant and Lloyds Bank

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There are many ways to interpret their first paragraph...read carefully..they do not actually plead that you signed an agreement...just that they claim payment of said agreement between you and

Lloyds Bank dated June 13.

 

If we knew what year and which claimant Orchid then there are many tried and tested responses to reply to that point.

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Thank you it was just the year I wasn't sure of you had referred to the cliamants name earlier in your thread....so what about....

 

1.The Claimant claims payment of the overdue balance due from the Defendant under a contract between Defendant and Lloyds Bank dated on or about June 13. 1999

 

1.Paragraph 1 is denied.The claimant remains in default of complying to my section 78 request dated xxxxxxx and is therefore prevented from requesting any relief or request enforcement of the agreement pursuant to sec78 (6) (a) of the CCA1974.

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Defence

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1 is denied.The claimant remains in default of complying to my section 78 request dated xxxxxxx and is therefore prevented from requesting any relief or request enforcement of the agreement pursuant to sec78 (6) (a) of the CCA1974.

 

2 . Paragraph 2 is denied .I cannot ever recall receiving any Notice of Assignment from Lloyds Bank or Cabot or ever having being approached pre litigation with regards this alleged debt.

 

It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

On receipt of this claim I requested by way of a CPR 31.14 request and a Section 78 consumer credit Agreement Act 1974 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 78 request and remain in default and with regards to my CPR 31.14 request.

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Agreement Act 1974.

 

By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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Copy and paste and submit ...you have just over 15 mins remaining.

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Just as a question, what about the fact I paid a £1 per month to this, will this matter?

 

Only with regards to it not being statute barred....9 mins remaining.

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And relax....

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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  • 1 month later...

Should I have sent a CCA to the Solicitor as well as a CPR 31:14.

The claimants solicitor says they cant send me the information Ive requested as they are not mentioned in the particulars of claim

and therefore the CPR 31:14 does not apply

 

The Solicitor says that although I requested documents in order to file my defence (which I did over 6 weeks ago now)

that they would like to point out that the Particulars of Claim contained sufficient information in order for me to file a defence

 

They needless to say, didn't sent me any info.

 

Ive also had a letter from Cabot saying they hadn't been able to provide me with the information I requested

and that they will continue to ask the original lender and that my credit agreement is currently unenforceable

which means they cannot obtain a judgement or decree against me.

 

However I am still obliged to repay the outstanding balance and I should contact them to set up a repayment arrangement

 

I have stopped paying the £1 monthly payment to them, and haven't paid the last couple of months

 

Is this right, or should I continue with the £1 payments

 

Whats your view on these £1's,

I suppose it means my debts will always be liable with me paying this,

and I can never reach the 7 year no contact rule?

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Should I have sent a CCA to the Solicitor as well as a CPR 31:14. No The claimants solicitor says they cant send me the information Ive requested as they are not mentioned in the particulars of claim and therefore the CPR 31:14 does not apply They always do its a template response

 

The Solicitor says that although I requested documents in order to file my defence (which I did over 6 weeks ago now) that they would like to point out that the Particulars of Claim contained sufficient information in order for me to file a defence.They would state that

They needless to say, didn't sent me any info. Theres a surprise...not

 

Ive also had a letter from Cabot saying they hadn't been able to provide me with the information I requested and that they will continue to ask the original lender and that my credit agreement is currently unenforceable which means they cannot obtain a judgement or decree against me. :-)

 

However I am still obliged to repay the outstanding balance and I should contact them to set up a repayment arrangement....dont rush to do that just yet

 

I have stopped paying the £1 monthly payment to them, and haven't paid the last couple of months

 

Is this right, or should I continue with the £1 payments...your choice...its neither here nor there...but as they are in default of your CCA request there is little they can do to you or the debt to worsen the situation

 

Whats your view on these £1's, I suppose it means my debts will always be liable with me paying this, and I can never reach the 7 year no contact rule? :-)

 

Regards

 

Andy

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  • 4 months later...

Andy Orch please can you tell me

if I filed my Defence back in Oct/Nov last year if it is still valid now?

 

 

I have received a letter from Solicitors today saying they will Strike out my Defence if I don't respond

and enter Judgement against me for the full amount together with legal fees and Costs.

Surely they cant open this up again after 6 months??

 

I thought they had a timescale their end and with the Court?

 

They never sent me the information I asked for above anyway on the Court Papers.

Instead they wrote to me in December and said they didn't know why I was asking for further information.

 

 

They say I should have received this information when I entered into my Credit Card Agreement,

and that if I want to review any of this information I should revisit my personal records

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std willy waving

I take it this is restons?

 

 

next move is theirs

pay the fee and lift they stay.

but ofcourse without any enforceable paperwork they cant.

 

 

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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" I have received a letter from Solicitors today saying they will Strike out my Defence if I don't respond "

 

What do they want you to respond to ?

 

Andy

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They want me to respond to a letter they sent me in December when they asked me to withdraw my Defence by completing and returning the enclosed N9A form within 14 days

 

Needless to say I didn't respond, or fill out their form

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They want me to respond to a letter they sent me in December when they asked me to withdraw my Defence by completing and returning the enclosed N9A form within 14 days

 

Needless to say I didn't respond, or fill out their form

 

:roll: I should hope not.....same with the above :wink:

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  • 7 months later...

Please forgive me but I cant find any old postings on this.

I was pretty sure I have received advice for this one which has surfaced again today.

 

To give some history,

this is an old Credit Card with BOS

- think it was taken out around 1999.

 

 

Think last proper payment was around July 2009,

there after have made some £1 payments. These have now ceased.

 

Back in Oct 2015 I received County Court Papers from Northampton

I applied for CCA from Crabot and CPR 31:14 from Rastoons

 

I responded to Court Papers,

acknowledged them and filed my Defence all within the time scales

 

POC were as follows:

The Claimant claims payment of the overdue balance due from the Defendant under a Contract between the Defendant and BOS dated on or about June 18, 1999 and assigned to the Claimant in July 5th 2012

Total - £9K + Court Fees

 

Received no copy of signed Agreement and have no default notice

 

On 12th Dec 2015,

received letter from Crabott saying they have not been able to provide me with the requested information within the time limit and that my account will remain on hold until they can comply with my request.

 

My credit agreement is unenforceable and they know they cannot obtain a judgement or decree against me in Court.

Blah Blah Blah

 

In May 2016 I received a letter from Rastoons saying they were disappointed I hadn't responded and please can I withdraw my Defence.

 

 

If they don't hear from me they will recommend to their Client Crabot than an application be made to Strike out my Defence and to enter Judgement against me for the full amount claimed together with legal fees and costs

 

I didn't respond

 

In October 2016 I received another

"Without Predjudice Save as to Costs" Letter from Rastoons saying that as I had not withdrawn my defence nor made any payment that their client has asked them to remind me of my outstanding debt

 

They asked for a settlement without need for litigation

 

I didn't respond

 

Today I receive another letter from Rastoons which states that as I have not responded to their previous letter they would like to offer me without delay and in a bid to resolve the matter a reduced sum of half what I owe them. This offer is valid for xxxx weeks only.

 

Depending on what I offer in terms of payment is and the length of time it will take to clear the debt it may be necessary to record any terms of settlement in the form of a Tomlin Order which will be filed at the Court.

 

 

If a Tomlin Order is agreed, the proceedings will remain stayed whilst payments are being maintained in line with that agreement and no County Court Judgement will be entered against you.

 

Please can you advise me what to do next?

 

and also, if my Defence was filed in Oct 2015

how long can this case be open for???

 

Can they just keep reapplying to me???

 

How does this work?

 

Thank you in anticipation as ever

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they are simply willy waving letters

 

 

you ignore them.

 

 

until/unless they lift the stay

pay the fee

and magic up enforceable paperwork.

 

 

they probably have had an expensive xmas dinner for all the phone fleecers at cabots and restons have been told to get some mug to cough up to fund the new year party.

 

 

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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