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Hi, I haven’t used this forum for ages but it helped me loads in the past. Im now helping an elderly friend who’s ignored a parking charge notice and now has a CC online claim against him from U.K. Parking Control Ltd. Regardless of rights and wrongs he was 13 minutes over the limit. At the time he was infirm waiting to go into hospital for an operation and various friends and neighbours, used his car to do his shopping. He’s unable to confirm if he was driving. I understand they will need to prove he was driving and if so he was aware of the contractual terms, so I get the points regarding the defence but as I haven’t done anything like this for years I would appreciate a little help in positioning a holding defence and also the time lines involved. The issue date is 13th May, I believe service is 5 days so that’s 18th . Acknowledgment is 1st June and defence by 14th June ( I’m just checking I’ve got these right, anyway we’ve filed acknowledgement so here we go. I’ve looked to see if there are defence templates but can’t see anything appropriate so any help would be welcome. Thank you
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And should APR % be shown on statements? All I can find on a couple of old ones is only monthly %? Should I also receive Annual Statements? No details amongst SAR. Thanks again.
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A couple of points. The enforcement agency are only obliged [legally] to send one Notice - the Notice of Enforcement giving you 7 clear days [most simply set it as 14 calendar days which more than covers the requirement]. In cases where a creditor places the case on hold pending the outcome of a late witness statement (appeal), it would be good practice, where it is rejected, for the agency to send a letter/text/e-mail advising they are resuming, but not a legal requirement (and perhaps too costly when thousands of cases are dealt with?). The onus would be on the debtor, knowing their challenge has failed, to resolve matters with the agent. The warrant itself does not have a 12 month lifespan, it's the process which is time barred. The agent must take control of goods within 12 months of issuing the Notice of Enforcement or 12 months from when any [compliance stage] arrangement is defaulted on. If a default happens after 6 months, for example, the 'life' of the warrant would then be 18 months. Finally, the agent/agency must 'give' notice but there is nothing which prevents them continuing to enforce where the debtor claims not to have [or really didn't] receive Notice.
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The best one-year fixed interest rate hit 2.35% this week, but savvy savers can do even better if they make the most of the cashback deals offered by savings platforms.View the full article
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The company sacked almost 800 seafarers in March to replace them with cheaper agency workers.View the full article
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