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    • 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.
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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.
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Desperate to help stepdaughter stop Swift Group repossessing home for charges of £50k on £10k loan.


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2007 stepdaughter and her husband took a secured loan (against house) for £10k.

 

They subsequently separated and daughter was left high and dry to pay mortgage, loan and bills etc.

 

Inevitably she fell into arrears but managed in 2014 to pay off all the arrears and has continued to pay monthly.

 

The loan term ends in April 2017 and she has now been told she must pay £32k in further interest and legal charges.

If she doesn't pay they will repossess.

 

This would bring the total cost of the loan to over £50k as she has already paid them in excess of £23k.

 

Ombudsman has investigated but says her claim against them is out of time according the paperwork she has seen from Swift.

 

I was thinking of writing to the company and asking them to extend the term and freeze the charges and perhaps to offer to pay a lump sum to reduce the cost

- but we can only afford a couple of thousand.

 

Would they be obliged to accept an offer to continue payment?

 

We fear the only alternative would be for her to sell the house but she has three children of 17, 13 & 12.

 

Would paying a debt solicitor for legal advice/intervention be likely to help in any way?

 

Finally although permanently separated she and her husband are still legally married but has not even contributed child maintenance.

 

Would it be reasonable to give Swift his contact details and ask them to serve proceedings on him also?

 

As you can tell

- we are in turmoil and need advice urgently on what steps we can take to prevent my stepdaughter and her children being made homeless.

Edited by fkofilee
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Welcome to CAG Stepmum!

 

Hold out for the team, unfortunately i'm not a whizz on a secured loan, but that seems extortionate!

Either way we will help where we can.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Thats not a problem... No disrespect but Swift Bailiffs are hardly that...

Ive asked for more help from the team.

 

So how does the full amount breakdown right at this time. Who was the original lender?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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I don't currently have all the paperwork to hand.

We are going to see stepdaughter in a few minutes as we need to go through it all again with her.

 

I was under the impression that Swift was the original lender but this may not be the case and I will check. Incidentally there was PPI on the loan.

I don't know if this is of any significance.

 

It is also fair to say that we only just discovered her difficulties

- when she got into arrears she buried her head in the sand (as many young people do) as the debts around her mounted.

 

However since 2014 she has kept up all payments on her bills etc. and thought she was on top of things until this demand for a further £32k arrived.

 

Please bear with us as we gather the information to hand. I will contact you later today. Thanks

Edited by fkofilee
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Thank you very much. More info you can get the better we can sort this.

Finally, take copies of all the paperwork she has. Could be useful.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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So nothing to do with swift bailiffs..

 

Swift group were a terrible lot

100's of threads on them here

 

90% of the debt will be arrears and all manner of penalty fees all can be reclaimed

And all the insurances too

 

If she's not got every statement and the agreement

Get an sar running

 

Also scan up go PDF the last series of letters

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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Hi there, I think the first thing you need to do is ask for a breakdown of this £32k they say she owes, we can then get a better idea of how this has cone tio be.

 

You should send a letter by either recorded or special delivery so they have to sign for it - Swift are a slippery outfit so you need to be on your guard at each step. We will help you as much as we can. If you need help with a letter please let me know and I'll draft something for you to edit to suit.

 

The other thing you need to ask for is a Subject Access Request, this will give you everything they have in the file - the cost is £10 (best to send them a postal order), they have 40 days to respond so it's best to get it off to them asap - again, use a signed for delivery. If you need help with that, please let us know.

 

You should keep copies of everything you send to them (and receive) start a file and keep everything in date order. When you send anything by a signed for service, make sure you keep the receipt safe so you can print of the proof of delivery and keep with the letters.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I now have a photocopy of the original agreement and copy statements dating from May 2007 to December 2016. The totals read as follows:

 

Instalment Due Bounced Items Monies Received Arrears Arrears in Months

22,823.63 820.20 23,587.81 56.58 0.3

 

 

The loan amount is stated as £12,825 for 120 months. Current monthly instalment £195.63. (She has been consistently paying more than this since April 2013). What I do notice is that there have been periods where she has either left payment until after the due date or missed payment for 2-3 months. This will be because of the way she is paid (I believe it is a four week rota on her salary) or because she has had other bills to pay. I am assuming that this is where the interest charges have piled on.

 

 

A letter received from Swift dated 8 March 2017 states Arrears of £102.21.

 

"Further to our previous letters we are very concerned that we still do not have an agreement on your account to assist you with managing your arrears"

 

Key Information concerning your loan account:

Current monthly repayment: £195.63

Last Payment Received: £195.63

Last payment received: 23 February 2017

Current Interest Rate on Arrears: 1.230%

Additional Interest charged to date: £20,640.35

(This includes interest on arrears, all disbursements and added charges).

 

If you cannot clear these arrears immediately then you must contact us. If you do nothing then you risk losing your home. Furthermore, if you delay contacting us or making your payment then your account will continue to be subject to additional fees and interest: this will mean you have to pay more and it will make it harder for you to repay your loan within the agreed term.

 

 

If you call us we will try and help you through any financial difficulties you are experiencing. We will review your financial circumstances and agree a way forward that is both affordable and fair."

 

 

It goes on to offer a face to face visit for a cost of £110.

 

 

She has asked them to provide a final settlement figure. She also has recorded on her phone receipts for all her payments up to date. Later today she will email me every piece of correspondence she has from the company.

 

 

I'm not sure how £32K (the original cost they quoted she would owe at the end of the term) has reduced to £20,640.35.

 

 

What we need now is advice on what to say/what not to say to the company and what NOT to do!

 

 

Please let me know if you need further information and I hope all of the above makes sense.

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As said before - you need to see a breakdown of how they have arrived at the figure they are demanding to settle the account.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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too right

rathe than post up what they sent

scan it to PDF and upload their leters

follow the upload

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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  • 2 weeks later...

For what reason was the 10K secured loan obtained, at what APR?

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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