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    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
    • well the claim is stayed so don't panic for now.   is this the ONLY payment made and how did capquest get this out of you? by phone?   explain what caused you to make the payment and how you did it please   dx                
    • Lovely stuff.    1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   I will get this put into the defence section. Thank you again.
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tom8989revs

Athena ANPR CPCN - lidl's in lewisham

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Hi I've just received a overdue reminder from them for the same thing now demanding payment within 7 days of there reminder letter I've just been ignoring them not quite sure what to write back as also it's been way over 28 days for appeal can anyone help?

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Hi I've just received a overdue reminder from them for the same thing now demanding payment within 7 days of there reminder letter I've just been ignoring them not quite sure what to write back as also it's been way over 28 days for appeal can anyone help?

 

Please start a new thread and give as as much detail as possible


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Ok just created an account here so bare with me starting a new thread

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Hi all I'm a new user

 

I've been reading on what to do can't find the right answer so far.

 

I received a parking charge from Athena for overstaying duration over 10 mins

 

I was 38 mins parked at lidls in lewisham and didn't realise you had to give your reg to cashier

the last time I parked lidl it was just 90mins free parking

 

it happened on the 11/10/16 and

they issued it 13/10/16 charge of £90 but 45 if I pay within 14 days blah blah

 

 

I ignored it then

 

 

I received a overdue reminder issued 18/11/16 saying under schedule 4 of the protection of freedoms act 2012 I'm liable for the full charge which is overdue if I don't pay within the next 7 days it may result in debt collection or further legal proceedings where additional costs can be incurred and

 

 

now I'm worrying and stressing about what to do should I reply or ignore can anyone help???

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Thread moved to appropriate forum.


 
 

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Hi and welcome.

 

Firstly, can you copy and paste the answers to this:

http://www.consumeractiongroup.co.uk/forum/showthread.php?462118-Have-you-received-a-Parking-Ticket-(1-Viewing)-nbsp

 

Do you know if any signs were stating that you had to register within 10 minutes?

I find it unusual that Athena are stating PoFA as they are members of the IPC and they primarily work with Lidl. They don't usually take people to court (but there's always a first time)

 

I assume the first you knew of this charge was within 14 days of the visit?


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Thanks silver fox

 

No I wasn't aware of their signs stating this I can remember still seeing 90minutues free in bold and weren't aware of there new system

 

What do you mean my PoFa?

 

 

I presume this is what they send to everyone is there first steps with no response from there original letter asking for payment

 

Yes I received the original charge a couple days after they sent it out on the date of it being issued

 

Have you any suggestions on what I should do next?

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Also the other forum won't let me post you asked to reply on it says it's closed

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I have added a Lidl Twitter link to this thread so they will soon be aware of it.

 

With Athena, it's a difficult choice. According to one website I visit, they haven't taken anyone to court in the last 3 years so personlly, I would ignore them. The only time I would respond is if a Letter Before Action/Claim or court papers arrive.

As Athena are members of the IPC, the appeals system is biased in favour of the company, not what is right. If you can go back to the site and take pictures of any signs regarding parking, that would help.

It would also help if you can post up what you have received so far, in pdf format and suitable redacted to remove names, addresses, reference numbers, car reg numbers and any barcodes so that we can see what they are saying.

 

I would also complain to Lidl.


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Ahh thankyou

 

Right I was thinking would they really take someone to court over a £90 charge for which they didn't have any losses for parking in a half empty car park,

 

 

yes I will be going back to take pictures I'm sure there signs are very deceiving in small print to trick people into this money making scheme

 

I'm having a problem with uploading pictures as I'm only using my iPhone right now but will post it tomorrow from the laptop

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I can explain what it has got first letter says

 

Vehicle reg: xxxxxx

Incident date: 11/10/16

Parking charge notice no. x xxx xxx xxx

Issue date: 13/10/16

Parking charge £90

Allowed duration of stay 00:10:00

Actual duration of stay 00:38:57

 

Has two dark black n white pictures of my car entering and exiting the car park quite up close cannot see driver

 

Also says parking charge is discounted to £45 if paid within 14 days of date issued 13-10-16

 

Then it goes into them explains terms and conditions of the car park are clear on prominent signs due to photo evidence they believe to these terms a charge is due they applied to dvla for my details and I have 28 days to reply if I wasn't the driver

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Reminder letter

On the incident you were the registered keeper

 

You had the option to pay or say who was driving

 

We have no payment, drivers details or an appeal within 28 days

 

Consequently under scheduled 4 of the protection of freedoms act 2012 as keeper you are liable which is overdue

 

Failure to pay within the next 7 days may result in Athens anpr transferring your case to a debt collection company or to further legal proceedings where additional costs could be incurred

 

You may pay online telephone blah blah

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get your complaint in to Lidl and while you are at it ask them about the planning permission for Athena's signage as it is their land and they are culpable if Athena are breaking the law as Lidl will be involved in a conspiracy to defraud. The police wont take thematter up though, companies are allowed to kill people with impunity so rooking customers of £90 for having the temerity to spnd their money there is nothing.

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Right so first thing is is to write to lidl to complain about the situation I know what your saying this I will do but what about Athena shall I just keep ignoring them now? How far will they take it for this parking invoice?

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you may need to respond to athena but not yet. Post up the NTK and we can pick holes in it so you may be able to tell them to get stuffed but best wait and see what the store does.

I for one would be taking all of the shopping back and tell them why, inviting the local press to watch and telling Lidl head office that you are goping there on such and such a date to return the goods. You maight want to do somehting like this if they dont respnd in a helpful way.

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