Jump to content


  • Tweets

  • Posts

    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
  • 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

Millennium Door and Event Security/Gladstones - claimform - july 2012 PCN


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2698 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

Hi,

 

Only just come across this forum after doing a bit of research myself, so I'm partially through the process, but would like input on anything I'm doing right or wrong, or have missed anything important out.

 

History

----------------

Date of parking "event" was July 2012. PPC is a smallish one, local to me, as is the car park. I can give specific details, but I'm not sure that's wise on here? PPC I *think* was BPA at the time, but has since moved across to IPC.

 

Ticket was apparently placed on car. Any notices that were sent out (can't remember if there were any, as they were a common occurrence back then) were ignored, as was standard practice at the time.

 

Heard nothing more until January 2016, where post-Beavis they must've trawled through all their old cases and reactivated them via a letter from Gladstones.

I requested documentation - they sent me out images of car with ticket on and I *think* picture of signage. I heard nothing more for months, thought it had gone away, stupidly binned the documentation, and then in September received an really poor attempt at an LBC from Gladstones. It contained the date, the amount and a pointer back at "previous documentation sent".

 

I sent Gladstones an EMAIL (mistake?) requesting that they sent proper LBC with clear statement of facts, list of relevant documents, how the amount had been calculated and any ADR offering.

 

The next thing I got was the Court Papers. The Poc basically says nothing apart from the date, the costs and claiming the sum of the original £125 + 42.25 interest, along with the court fee and legal representative fees bringing the costs up to £250

 

Where I am with it.

-----------------------------------------

My research tells me that as the event was over 4 years, was pre-Pofa, and i have no idea who was driving, the case should never make it to court as they shouldn't be able to go after the Registered Keeper. Only the driver. There were multiple people insured to drive the car at that time (I have the old insurance certificate)

 

However I gather that it all depends on the judge - judges can be unpredictable.

 

So I'm still doing research. I'm about to send a Part 18 and a 31.14 request to Gladstones for information regarding the PPC/Landowner contract etc and also to get all documentation through so I can defend myself. I gather it's likely Gladstones will ignore my request.

 

I think it may be a good idea to send a SAR to the PPC and try and get the documentation off them too?

 

Without that documentation, without knowing exactly what they plan to rely on, I can only really use a standard templated defence, including the fact that it's pre-PofA and they haven't provided proof I was driving.

I can only hope that they don't have any further evidence (such as CCTV footage) and try and spring it on me in the hearing.

 

Is there anything else I can do, or should be doing?

 

Thanks

 

Cal

Link to post
Share on other sites

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

Name of the Claimant - Millennium Door and Event Security

 

Date of issue – 8 Nov 2016

 

Date to submit defence = - 9th dec by 4pm

 

What is the claim for –

 

DATE-XX July 2012

DESCRIPTION: MY REG

AMOUNT - £125

DUE DATE - XX AUG 2012

Total Due - £125

 

AND THE CLAIMANT CLAIMS

The Claimant claims the sum of £167.25 for Parking charges and indemnity costs if applicable including £42.25 interest pursuant to S.69 of the County Courts Act 1984 Rate %8.00 pa from date above to 07/11/16

Same rate to Judgement or (sooner) payment

Daily rate to Judgement £0.03

Total debt and interest £167.25

********************************

What is the value of the claim? £125 plus 42.25 interest plus 50.00 Legal representative costs plus 25 court fee = £242.25

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim ? the original PPC.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Don't know what this means - is that the original notice from 2012?

Link to post
Share on other sites

Have you acknowledged the claim on mcol website?

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

Hi Cal and welcome, one of the parking guru's will be along soin

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

note revised date of defence filing.

 

 

have you found the parking PPC CPR 31:14 ok?

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

have you found the parking PPC CPR 31:14 ok?

 

I haven't actually sent it yet - I may have overdone it a bit. Part 18 AND 31.14 AND my main defence. Maybe I'm trying to get everything in. Just hoping they'll drop it. Let me know if I have and I can edit it.

 

[removed]- dx

Link to post
Share on other sites

yea not a good idea that

 

 

can I remove it please

 

 

send our std one please..

 

 

to the solicitors

[Your address]

.

[Their address [solicitors]

.

[Date]

.

Dear Sir or Madam,

.

Re: (Claimant's name) v (Your name) Case No:

.

CPR 31.14 Request

.

On (date) I received the Claim Form in this case issued by you out of the (Name) county court.

.

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.

.

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

.

1. proof of assignment from the landlord to create contracts and make claims in your own name.

.

2.proof of planning permission granted for signage etc under the Town and Country Planning Act 2007

the contract between VCS and the landowner that assigns the right to enter into contracts with the public and make claims in their own name,

Planning Permission for their signage under the Town and Country Planning Act 2007,

copies of the notice to driver,

notice to keeper and any other correspondence from [insert Claimant Name] or [insert Solicitors Name} to the defendant.

Give them 14 days to comply

.

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience..

.

Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy.

.

Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

.

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

.

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

.

If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.

.

Yours faithfully

.

TYPE YOUR NAME DO NOT SIGN IT

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 don't need to write a new one its above here

copy n paste insert sols and PPC name job done

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 thanks.

 

I believe that Gladstone are likely to ignore the request, which leaves me with the option of sending a SAR to the PPC. However I'm unlikely to get that information back before I need to get my defence in.

 

So I guess that leaves me having to formulate my defence without any idea of the documents they will rely on. No signage, no ticket, no idea of whether they're trying for breach of contract or trespass or whatever.

 

And I can't change my defence afterwards? Seems a bit unfair that?

Link to post
Share on other sites

Hi,

Sorry to the others for me jumping on this bandwagon. Millenium was with the BPA at the time, they should not be able to go after the keeper as before PoFA, only the driver was liable which is why PoFA was brought in. They should also be following the BPA code of practice even though they are now members of the IPC. They only joined the IPC a year ago. Prior to joining the IPC, they took no one to court yet this year they have taken 6 cases so far on less than 1000 parking tickets. I suspect they are likely to get 'Gladstoned'

 

 

 

The IAS don't follow PoFA at all therefore technically they can only go after the driver. Gladstones work on the principle that the keeper was also the driver but you are under no obligation to confirm or deny that- even in court. The fact you have the insurance document showing any driver will suffice to show that you would be unable to remember truthfully who was driving as it was so long ago. Gladstones don't give up and court will happen although nobody from Gladstones will appear a they use local solicitors to go to court on their behalf.

 

You are going to spend some time looking at defences which will include ' No Contract', 'Little or no signage', plus many, many other things.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

How can I formulate a defence on no contract or little other no signage if I don't get the documentation on which they're going to rely?

 

I have no pictures of the signage they had at the time, or contracts, and I'm unlikely to get it before I need to submit my defence?

Link to post
Share on other sites

easy to do calibra don't panic

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'm about to send that CPR 31.14 request using your standard template, but I'm asking for the a verified and legible copy of each of the documents mentioned in the Poc.

 

The problem is, the Poc doesn't mention any documents?

 

Should I just be asking for all documents they plan to rely on?

Link to post
Share on other sites

just send it

that's a std gladdys POC

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 the 31.14 has just been sent. I don't expect to hear anything back, however if I don't get anything, I can use it alongside the Poc as evidence of "unreasonable behaviour" in the hearing?

 

I think it may be wise to send a SAR to the PPC now, starting the 40 day deadline?

Link to post
Share on other sites

no why?

waste of money and its not for you to prove the case but them.

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 need the documentation. I want to know what they're planning to use against me? It was over 4 years ago. I've lost any original documentation they sent out. I don't know if they have CCTV footage or anything? Surely that's stuff I need to be aware of when choosing a defence?

Link to post
Share on other sites

no you don't.

 

 

go read the other threads.

 

 

its for them to produce what they intend to rely upon in court

 

 

your defence will put them to strict proof to produce it.

 

 

you don't want them to have anything and you don't want to find anything.

 

 

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... 

Link to post
Share on other sites

What I'm trying to avoid, is them producing documentation I don't know about, on the day. If my main defence is pre-PofA and they need to prove that the RK was driving, I want to make sure I know they haven't got anything like CCTV, preferably BEFORE I submit my defence.

 

If I don't need the documents, what was the point of sending a 31.14 then? Just to show unreasonable behaviour?

Link to post
Share on other sites

they cant 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

Calm down, and follow the advice given. it is VERY easy to win against gladstones.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

They know that you dont have any paperwork from 4 years ago so are hoping that you panic and just pay up.

In short they have no claim against you at all.

 

There are things you can do to help defeat this,

for starters get down to the land concerned and photograph any signage there and also the entrance to the site from the public highway and the exact spot you parked ( to the best of your memory)

 

It would help us enormously if you can give the address of the place so we can google street noseyparker it as often their images are several years old and tell us quite a lot that they might not want people to know.

 

For someone to sue you over a parking on private land matter

they need to show thay are entitled to by either owning the land (they dont)

 

or have a proper contract with the landowner that assigns the rights of the landowner to enter into contracts by way of their signs with people parking there and to make civil claims in their own name.

 

For there to be any contract formed they must have planning permission for the signs and the signage must meet certain minimal requiremenst regaring wording, siting, size, tyoe of text and colour used etc.

If the current signs are poor then it is a sfe bet that any there 4 years ago were even worse.

 

Gladstones are leading this claim,

Millenium are going along with it becasue they havent had the misfortune of getting an ear bashing from a judge about the paucity of their claim and as Gladdys are charging them for doing this,

 

when YOU beat them they are paying not only your costs but their brilliant solicitors'

( who are the IPC as well but no conflict of interest there whatsoever!) charges as well.

 

So, you waste a bit of time, they lose about £500 all in.

 

The motivation for Gladdys is clear

- money for them and stuff everyone else,

even their IPC members but for a small outfit this is catastrophic

as most of them make a loss on parking activities

and rely on the unfair charges to earn their dishonest crust.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...