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    • receipt converted to PDF and added to last post      
    • Well I really don't know where to begin with this. I've spent hours trying to figure out what to put but it seems that every witness statement is different depending on the exact circumstances. I know that I shouldn't put all my cards on the table but I don't know which ones to hold back and which ones to get rid of altogether.   This is what I have so far...   I, XXX of XXX am the Defendant in this case. I make this statement in support of my defence again the Claimant, Civil Enforcement Ltd.   1.       CEL make it impossible for defendants to discuss PCNs with them or their representatives:              A.       On the 26th Nov 2018 I received an unexpected PCN from CEL. I immediately went onto their “Contact Us” page, which stated that operators are available to speak to during normal working hours (see appendix 1 - THIS IS JUST A COPY OF THEIR CONTACT US PAGE). I tried calling numerous times to discuss the matter but regardless of what time of day I called there was no option to speak to an operator, only an automated system to pay.              B.       When I received a debt collection notice from ZZPS (see appendix 2 - COPY OF LETTER) the letter instructed me to call them on 01932918916.                      14th Mar 2019 - I tried calling several times and have a call recording I can play for the court to show that it was impossible to speak to anyone. Instead I was played the following automated message: “The party’s call minder belonging to 01473478289 is full and can’t accept any more messages. Please try again later. Goodbye.” The call then hangs up.                     19th Mar 2019 - I tried again at several times throughout the day and this time a message played thanking me for calling ZZPS and asked me to hold. It then rang for 2 minutes before repeating the same message. This happened over and over again. I have two recording that I can play for the court showing this to be true, one that lasted 9 minutes and the other for 10 minutes before each time giving up.            It appears that there is some unreliable call routing in place meaning that I had no way of contacting CEL or ZZPS as they both advise.   2.       CEL failed to produce any of the documentation I requested in writing, which obstructed me from making a decision on how to proceed with this case:             A.       On the 3rd Dec 2018 I completed CEL’s online Appeals Form (see appendix 3 for a saved copy of the submitted form - ATTACHED TO THIS POST). CEL responded (see appendix 4) but failed to answer any question, stating that GDPR prevented them from doing so.             B.       On the 14th Aug 2019 I sent them a CPR 31.14 Request letter (see appendix 5). CEL did not respond.   3.       According to Schedule 3, Part 1, Class 13 of The Town and Country Planning (Control of Advertisements) (England) Regulations 2007, only signage older than 10 years is deemed as having consent granted.   CEL has changed its signage 3 times within the last 10 years, which can be clearly seen from Google Street mapping images:            A.       2018 – Present: Signage stating 1hr free parking (appendix 6a)            B.       2012 – 2017: Signage stating 3hr free parking (appendix 6b)            C.       2008 – 2012: Signage stating 2hr free parking (appendix 6c)   CEL’s current signage was installed at some point during 2018 but according to Stockport Council’s online planning applications search system no planning permission was granted. I believe the signage has therefore been erected illegally, which makes it impossible to enter into a contract with them.   4.       CEL has also added legal costs to their claim, which is not recoverable within the Small Claims Court.   I believe that the following facts stated in this Witness Statement are true.   Have I made a complete balls-up of this or am I going in the right direction? I thought it might work in my favour if I try to show the judge that I made every reasonable effort to resolve this without going to court but CEL purposely make appeals as difficult as possible. Perhaps none of that matters. Not sure. 🤔 Appeal Text.pdf
    • This will be ok for you to offer the final 1 month's fee you should have paid :-   Dear Harlands,   I refer to my membership at [town/city] gym.   The DD mandate was cancelled after the June 2019 payment was made and this was notice of my intent to cancel the gym membership.   I now realise I should have left the DD Mandate open to pay a final month's fee for the notice period.   Please confirm your bank payment details and a reference so I can pay you the £xx.xx to end this matter. I will not pay any admin fees added by Harlands. I will only deal with this matter in writing, not by phone.   My offer is valid for 14 days only and will be withdrawn if you demand any higher amount.   Yours sincerely,
    • seems like your payment issue is not just your error      
    • don't think there are any moriarty represented threads here whereby if the defendant turned up the defendant lost the case. moriarty never appear in court.   there is a very comprehensive mediation sticky in the homepage of this very same forum yours is in   there is also a custom google search which comes up after hitting our top squares logo   moriaty claimform   might be useful to use there.        
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ElizabethAnne

Barclaycard CCA Return Via Drydens- no signed copy provided

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I asked for a copy of a CCA agreement from Drysdens / Max Recovery recently.

 

 

A letter dated March 2016 stated that they were unable to fulfill my request.

 

A letter today from Drysden attached a "copy of the credit agreement conditions".

It has none of my details on, nor my signature.

 

The letter says " our client considers the debt due and owing"

 

What do I do now?

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regarding what type of account and when/OC/DCA

tell use the full story

we cant comment without more info


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This was a Barclaycard credit card account going back to about 2005. I have been paying a small monthly amount £1 - £6 since 2008

There is just over £400 owing

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You have been given a reconstituted version of the agreement (common with BC section 77/78 requests) which is acceptable as per compliance to a section 77/78 request.

 

Whether they have a copy of the original....which would be required for enforcement purposes is another matter.

 

Regards

 

Andy


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Thanks Andy, the letter from Barclaycard says that the debt is not enforceable, but the letter from Drysdens says it is owing.

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Thanks Andy, the letter from Barclaycard says that the debt is not enforceable, but the letter from Drysdens says it is owing.

 

:-) Well they would


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Can you answer another question please - should I be corresponding with Barclaycard or Drysdens or both? Or neither!

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Neither if the OC state its unenforceable...but its your choice.


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" our client considers the debt due and owing"[/Quote]

 

Careful use of words. The debt may well be due and owing but they omit to add "even if we cannot pursue this via court action"

 

They are 'asking' you to pay rather than threatening to 'make' you pay IMO. I would wait for more concrete threats and then refer to their client's letter acknowledging that the alleged debt is unenforceable, adding that in the light of that and until such time as a signed copy of the agreement is provided you will not be discussing payment nor engaging in further correspondence.


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Hi EA,

 

There's not much detail here for us to help you properly.

 

1. The letter you rec'd in March 2016 saying they couldn't fulfil your request - was that from BC.

 

2. Have you checked old statements to see if there were penalty charges or PPI on the a/c that you could reclaim to reduce the balance.

 

3. Have you received annual statements showing how your payments have reduced the balance over the last 8 years.

 

4. I assume no interest or penalties are still being added but please confirm.

 

:-)


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Thanks !:-)

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