Jump to content


  • Tweets

  • Posts

    • 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.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

HPH2/Cohen claimforn - old Barclay card debt - Now CO Threat


king100
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2176 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Particulars added for cross reference

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Replies 195
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

ok so its only paragraph 3 change to paragraph 2.

 

Poc original photo is in the attachment.

 

DX did mention that its unusual to have default in same paragraph

 

Particulars of Claim

 

1.This claim is for the sum of £8600 in respect of monies owing under the agreement with the account no xxxx pursuant to The consumer crediticon Act 1974 (CCA).

 

2.The debt was legally assigned by Barclaysicon Bank plc (Ex Barclaycard) to the claimant and notice has been served.

The defendant has failed to make contractual payments under the agreement. A default notice has been served upon the defendant pursuant to s.87(1) CCA.

 

4.The claimant claims £8600...bla bla bla

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

its just the way the claimform word processes what they input into that box.

 

there are fullstops.

 

align defence to andy's one above

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... 

Link to post
Share on other sites

I have already amended the defence in post #25 King and changed the para numbers...good to go

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 1 month later...

Just received questionnaire today. What does that mean in what HPH2 replied back to the court about my defence?

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

What does what mean??

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... 

Link to post
Share on other sites

Just received questionnaire today. What does that mean in what HPH2 replied back to the court about my defence?

they have atm decided to continue, hence the DQ.

Link to post
Share on other sites

What does what mean??

 

In terms of HPH2 taking it further. What time frame are we working on. I had to file my defence within a certain time, what time frame do they have to adhere to? They would have received my defence I then got an extension letter from them.

 

I guess they are wanting to take this to trial?

 

they have atm decided to continue, hence the DQ.

 

Ok thank you. When do they have to respond to me what details they are relying on in court?

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

Ok thank you. When do they have to respond to me what details they are relying on in court?

you both do the DQ next. take it from there.

Link to post
Share on other sites

You need to research things here

You've not read any relevant threads since august....

 

We need to see their DQ too

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... 

Link to post
Share on other sites

You need to research things here

You've not read any relevant threads since august....

 

We need to see their DQ too

 

How do I see their DQ, they have not responded to the letters that I sent to them.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

sorry I read it you had received their questionnaire....

 

 

so what have you received??

 

 

its got a number on it N180?

 

 

we are guessing what you are thus describing..

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... 

Link to post
Share on other sites

You must complete and submit the Directions Questionnaire (N180) by the date stated King...simple to complete....

 

Yes to mediation

Yes to Small Claims Track

 

Name your local county court as the venue.

 

The rest are self explanatory tick boxes....1 witness (thats you)

 

Send it back to the court and serve a copy on the claimants solicitor.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 3 months later...

have received a reply.

 

In brief (I assume they are probably all the same)

 

1. Allocated to small claims court.

 

2. Date when scheduled to take place.

 

Hearing fee of £XXXX paid by XX Jan. Stuck out of not paid etc etc.

 

Its asking me for all documents that I am rely on in court. What documents, apart from a letter asking for a CCA there are no documents.

 

Will have a read up but just wanted to update the case.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

Standard Directions King which apply to most threads here...make sure you mark the date by which you must submit your Standard Disclosure and Witness Statement....the rest is for the claimant to concern themselves with.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 3 weeks later...

Andyorch

 

I have adjusted my witness statement that you provided in a post I commented on,

 

 

I have replies back from Robinson Way on back in Feb 2016 stating I dispute and they will do all necessary enquires and stop all activity on account, then next i know Im being taken to court.

 

 

I then have another when i sent a CPR 18 and received another reply stating that they are retraining the documents and that was back in Sept 2016 and no documents have been supplied, neither have i received any documents that they will be relying on in court yet and they must be received in 3 days time.

 

I have a few questions,

do I sign the witness statement which I am sending to HPH2,

or only the only sent to the court.

 

What happens if I dont receive any documents from HPH2 in 3 days time.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

IN THE xxxxxx COUNTY COURT

Claim No.

BETWEEN:

Claimant

Hoist Portfolio Holding 2 Ltd

AND

Defendant

 

_________________________________

WITNESS STATEMENT OF xxxxxxxxx

_________________________________

I , being the Defendant in this case will state as follows;

 

I make this Witness Statement in support of my defence in the claim.

 

1. The claimant is an Assignee, a buyer of defunct or bad debts which buy on mass portfolios of debt at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income.

 

As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.

 

2. On or around the 4th August 2016, I received a claims form from the County Court Business Centre, Northampton, for the amount of £xxxx.The claimant contends that the claim is for the sum of £xxxx in respect of monies owing under an alleged agreement with the account no. pursuant to The consumer credit Act 1974 (CCA).The particulars of claim fail to state when the alleged agreement was entered into.

 

3. Contained within the claimants particulars the claimant pleads that the defendant has failed to make contractual payments under the terms of the agreement and that a default notice has been served upon the defendant pursuant to S.87(1) CCA. There are no details contained within its particulars about when the alleged default occurred or date of any alleged Default Notice or the degree of default or details as to how the sums claimed have accrued. The claimant is put to strict proof to evidence details of the default and service of any Default Notice.

 

4. The particulars of claim state the debt was legally assigned by Barclays Bank PLC to the Claimant and that Notice was provided by way of a Notice of Assignment. The claimant is put to strict proof to evidence the details of assignment.

 

5. On or around the xxth August I made a formal written request to the Claimant requesting that

the Claimant provides copies of all documents mentioned in the statement of case. EXHIBIT A

 

6. On or around the xxth January 2016 I made a formal written request to Robinson Way for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974. Dont have copy of my letter but have reply.

 

7. Apart from the Notice of Assignment, I have not received any of the documents mentioned in the claimants claim form.

 

8. The Claimant replied to my first request on xxth February, [EXHIBIT B] and failed to supply any documents that I requested.

 

9. The Claimant also replied to 2nd request, and also failed to supply me any documents that I requested.[EXHIBIT C]

 

10. The Claimants pleaded case is that the Defendant entered into an agreement with Barclays Bank under account reference . I am uncertain as to which account this refers to. It is accepted that I have had banking products with Barclays in the past however I have no recollection the alleged account number the claimant refers to. Therefore the claimant is put to strict proof to disclose this agreement on which its claim relies upon.

 

Until such time the claimant can comply and disclose the agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974.

 

 

Statement of Truth

 

I, , the Defendant, believe the facts stated within this Witness Statement to be true.

Signed: ________________________________

Dated: ________________________________

Edited by Andyorch
Paras

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

Yes you can sign their copy...if the claimant fails to comply with the directions within 3 days time then you bring it to the courts attention and ask they impose sanctions and bar them from relying on any written evidence.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

ok thanks, so I will wait for post for next 2 days and send mine off recorded guaranteed next day to both the court and solicitors, just to make sure court date 24th, does that need to be with them by the 10th or by the 9th?

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

Whatever the date as instructed within your Directions King..usually 14 days before hearing.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

it says 14 days so arrive on the 10th is fine then? Or should i make it arrive on the 9th.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

You can send the courts today if you wish...and send theirs at the weekend...normal post

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

point 1 needs a bit of a rewrite IMHO the English is terrible!!

 

 

1. The claimant is an Assignee a buyer of defunct or bad debts which buy on mass portfolios of debt at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income.

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... 

Link to post
Share on other sites

Ok

 

both witness statements sent to court and hoist,

nothing as of today for their witness statements,

and tomorrow is last day,

 

I have read that they like to submit them on the day,

anything I can do to challenge this on the day?

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

Link to post
Share on other sites

No they can't do that

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...