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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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Returned from Republic of Ireland...debt being chased.


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Hi I wondered if anyone could advice me?

 

In 2003 we moved to ROI bought a house got jobs and all was well,

we took an additional loan to complete major renovations on our house.

 

Then the recession started, we both lost our jobs we continued to talk to the bank

but there was no help available and there was no other work and no way of making a living.

 

In 2009 my mother died suddenly and I realised I couldn't carry on in ROI.

We then moved back to the UK,

 

We had heard nothing from the bank from 2009 until yesterday

we received a letter from a solicitor saying that they had been instructed as the mortgage

and additional loan is in arrears and the interest is continuing to accrue!

 

The amount they want is 366K which they want in 7 days,

if that is not paid they are going to issue summary proceedings in the High Court

to seek judgement with costs and interest.

 

We have heard nothing from 2009 to now no letters or phone calls....

..why is this happening now?

 

When we moved to the UK we have had to start again and we have a debt management plan here.

 

I am terrified what does all this mean?

what will happen?

 

our life in the last 9 months is just starting to pick up

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statute barred.?

 

they saw the figure

and though that's worth a punt.

 

I assume the letter does not say will anywhere

if you read it properly..

and

that the bank are not 'their client'

but a DCA.?

 

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 created your own thread gillyo66 ..please continue to post here

 

 

You refer to .... mortgage and additional loan is in arrears and the interest is continuing to accrue!

 

Are both debts with the same Company ?

 

Was the additional Loan secured on your property ?

 

What happened to the property on your return to England ?

 

Andy

We could do with some help from you.

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Thank you for your replies

 

Hi

We have heard nothing at all from the Permanent TSB (mortgage) or AIB (secured loan) they didn't correspond with us even when we lived there. We had no idea about the interest accruing and felt when we left the country that the house had been surrendered to the the banks, they would sell it and that would be it..........in hindsight very naive!

 

We left ROI in 2009 but hadn't paid anything against the loan or mortgage for a year or so before that as we had both lost our jobs.

 

The letter says that they are solicitors working on behalf of Permanent TSB but we have seen no authority from TSB saying they have instructed them. Just that they are looking to secure a judgement against in the high court if we don't pay 366K within 7 days which would not be possible.

 

I think the statute for mortgages is 12 years but I'm not sure

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Yes it is 12 years...and if the additional loan was secured on the property..that also will be 12 years.

We could do with some help from you.

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I think you need to converse with the Solicitors and try to attain what exactly happened to the property.....the repossession..the sale etc...get some figures.

 

Are both loans with the same company ?

We could do with some help from you.

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Could you possibly scan this letter (less any identifiable details) and upload it?

We could do with some help from you.

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So now you need to find out what happened to property...resale value ? from Permanent TSB.

 

Time to shake that sand out of your hair:wink:

We could do with some help from you.

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Do you own any assets such as property in the UK ?

 

If you have no assets and are in a debt management plan in the UK, i think i would write back telling them this to save them wasting their time and money.

 

Once you find out more about what happened in Ireland, you might decide to get more rounded debt advice to see what options are available.

We could do with some help from you.

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Yes I own a house in the UK which is actually what i am worried about more than anything,

 

 

since the amount we owe is such a large amount I am worried that that will be gone.

 

 

This house was bought with an inheritance from my parents

and because of our ages we would prbably never be able to buy in the UK again.

 

 

The house in the UK is in my name only whereas the house in Ireland was a joint mortgage.

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If you own the house without any mortgage or loan against it, i think you might be wise to get some legal advice about protecting this asset, BEFORE any court action is started by this Irish creditor. There might be ways of safeguarding it in a way that stops it being an asset they can get their hands on.

We could do with some help from you.

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The house has a smallish mortgage 120K GBP I could cope with anything else but not this house being taken. Would the fact it is my name only make a difference considering the mortgage in ROI was joint?

How long does the high court take? and will they want 366K from us or just the cost?

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" Would the fact it is my name only make a difference considering the mortgage in ROI was joint? "

 

No because the debts will be joint and several and so both of you are liable.

 

Andy

We could do with some help from you.

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The house has a smallish mortgage 120K GBP I could cope with anything else but not this house being taken. Would the fact it is my name only make a difference considering the mortgage in ROI was joint?

How long does the high court take? and will they want 366K from us or just the cost?

 

I think you need to find out more about what has happened in Ireland, otherwise it might be difficult to deal with any UK court proceedings. Did they obtain an Irish court judgement ? If so, it might be a quick process in a UK high court to transfer judgement here.

 

It might be worth seeing a Solicitors to see whether you can protect your equity in the house against these Irish creditors. If you can do so, the complication is that the mortgage company may have to consent to whatever you plan on doing.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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