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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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Santander deliquent complaint


salphy
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Hi,

 

 

OH did a bank switch in April though unfortunately new lender couldn't offer an overdraft to cover what we had with Santander so the account remained open with the overdraft which was £21 over the £500 limit. He called Santander and made an agreement to pay £100 in July and full payment in August. Was told this was fine and they would freeze the interest - no-one informed needed to make monthly payments or that we needed to pay £21 to be within limit.

 

 

The £100 payment was refused due to being unable to pay by card as now told the account was closed. He then agreed to pay in full in August in branch as busy with work (working full time and setting up own business on weekends unable to get in branch during opening hours.) Again told this was fine no issues with the account.

 

 

He has had 5months late markers and a delinquency placed on his account within 3 months, partly due to Santander refusing debit card payment as the account was "closed"

 

 

I sent a complaint to Santander CEO and was referred to an executive manager who has basically replied saying once certain triggers are met they can back date late payments so can place 5 months within 3 months.

 

 

He's said that everything is correct and accurate reflection and would be despite the agreement and regular contacts and updates and that an agreement of monthly payments wouldn't have made a difference of the reporting either.

 

 

He states the initial agreement was broken because the £100 in July wasn't paid. I received a letter a couple of days ago saying thanks for making the final payment of your repayment agreement.

 

 

What's the point of a repayment agreement if it won't make a difference anyway? We're being treated the same as someone who has made no effort to contact or repay the debt.

 

 

I've asked for copies of the agreement the letter refers to but he's ignored this.

 

 

My other concern is he says that the account was not closed and the reason full card payment was refused was due to being unable to accept credit card payment as legislation prevents debt being cleared by debt.

 

 

We definitely didn't offer to pay by credit card, we don't own any credit cards so would not be able to offer this payment and payment was refused four times on different occasions! That would mean 4 times customer service advisors would have to had misunderstood or assumed we wished to pay by credit card. This includes twice in branch as payment had to be made in two halves because of ATM withdrawal limits.

Why would we be able to pay in full by cash which meant two separate trips to the bank over 2 days because of ATM limits but not pay in full by debit card? It would have been much easier for us to make one payment, and even easier if they'd allowed debit card payment over the phone weeks earlier.

 

 

Like I said we don't own a credit card so wouldn't have even been mentioned for all four people to assume such thing when card payment was offered.

 

 

I have replied disputing we tried to pay by credit card which was why it was refused and payment delayed but with the previous reply I received I'm not hopeful this will change anything.

He has sent full details to forward my complaint to the ombudsman.

 

 

All I'm asking is that they remove the delinquent status and update the late payments to 3 months which I feel is fair eventhough we did have an agreement in place which they stopped us sticking to.

 

 

Thanks

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