Jump to content


  • Tweets

  • Posts

    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
  • 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

CEL ANPR PCN Claimform - Hawley Retail Park Hinckley **WON using 3 line def..+COSTS**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1948 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

  • Replies 75
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

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 shoulod have acknowledged the claim a fortnight ago so you need to create an account on moneyclaimonline NOW and both acknowledge and submit a skeleton defence. this should be as follows.

 

1. the claimant has failed to show a cause for action against the defendant as they have not stated in what capacity they are suing him, as driver fo the vehicle who ebtered a contract with them or as keeper under the protocols of the Protection of Freedoms Act 2012. the defendant denies being the driver at the time.

 

2 the claimants has failed to provide a breakdonw of the claim as required under CPR 16.4. the claim for brach of contract totaks £100 and there is no explanationas to why this has now been inflated to £236 as the POFA limits anty clim to the sum set out in the Notice to Keeper.

 

3. In any case, the defendant denies that any contract exists between the claimant and himself.

 

get this submitted NOW and you may be OK but in reality you are already subject to a default judgement.

Why on earth didnt you post this up when you got it

Edited by honeybee13
Paras
Link to post
Share on other sites

Name of the Claimant ? CIVIL ENFORCEMENT LIMITED

claimants Solicitors: It looks like it’s straight from CEL, no solicitors.

 

Date of issue – 14 Mar 2018

 

Date to submit defence – 16 Apr 2018

 

What is the claim for –

 

Claim for monies relating to a Parking Charge for parking in a private car park managed by the Claimant in breach of the terms + conditions (T+Cs).

Drivers are allowed to part in accordance with T+Cs of use.

ANPR cameras and/or manual patrols are used to monitor vehicles entering + exiting the side.

 

Debt + damages claimed the sum of 236.00.

Violation date: 21/04/2017.

Time in: 16:00. Time out: 19:06.

PCN ref: XXXXXXXXXX

Car registration: XXXXXXXXXX

Car park: Hawley Retail Park

 

Total due- 236.00

 

The Claimant claims the sum of 252.86 for monies relating to a parking charge per above including 16.86 interest pursuant to S.69 of the County Court Act 1984.

Rate 8.00% pa from dates above to- 13/03/18

Same rate to Judgement or (sooner) payment.

Daily rate to Judgement- 0.05.

Total debt and interest due- 252.86

 

 

What is the value of the claim? £327.86 including fees

 

Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? Issued by the Private Parking Company.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? ---

 

Ericsbrother, I work away a lot, so I don't get to see my post on a daily basis. I have made the required online acknowledgement within the time limit stated.

 

The text in red for the “particulars”, is word-for-word of the Claim Form.

Link to post
Share on other sites

Now go back and file the defence in post 28

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 send this to CEL

 

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 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. the contract between [parking company name] and the landowner that assigns the right to enter into contracts with the public and make claims in their own name,.

.

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

.

3.copies of the notice to driver, notice to keeper and any other correspondence from [insert Claimant Name] & [insert Solicitors Name} to the defendant that they intend to rely upon in court.

.

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 within 14 days and believe that you will never be able to comply with this request please confirm in your response.

.

You are reminded that as this case is yet to be allocated to a track, CPR31:14 does apply, a refusal to comply because you 'think' at this stage you dont have too will be used against you in any filed defence.

.

 

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

  • 1 month later...

Hi everyone,

I have done as recommended and things are progressing.

 

I have received a letter from he County Court requesting that I complete a N180 form.

 

It looks simple enough, but is there anything specfic that I should or shouldn't be saying on the form?

 

...further update, I haven't received anything back from CEL in respect to the requests made in the above template.

Link to post
Share on other sites

good, that means you can put in your defence that you do not believe they have the authorisations as they have failed to produce them as a response to your CPR 31.14.

 

 

Also means that you can argue later that their actions are unreasonable and thus claim a full costs recovery which will include money for your research time.

 

 

Once CEL see this in your defence they tend to try and badger you into settling for a lesser amount and then either drop the claim or just fail to turn up

Edited by honeybee13
Paras
Link to post
Share on other sites

  • 3 months later...

...another update.

Yes, you were right again. They did badger me to settle this at a reduced cost, which I have ignored and they haven't replied to my previous correspondence (template by dx100uk, above). I have now received a Small Claims Hearing.

 

I would appreciate some advice on preparing for this as I've never been in to a Small Claims Court before (I'm a good boy).

Parking Small Claims.JPG

Link to post
Share on other sites

this means you do nothing,

their bluff has been called by the court process and they now have to either pay up the allocation fee or the claim is dead.

This is not a hearing, it is an instruction to them to put up or shut up.

 

Even if they pay htis I would happily take a bet that they will drop the matter before it gets to a hearing. So prepare your defence so you can exchange documents a fortnight before the january date.

 

Also take down this attachment as it has your name and the court left on it.

they identify you and may convince CEL to try and apply pressure on you by telling you they know you are taking advice on a forum and that is somehow wrong.

 

It isnt but they will use anything to get you to waver and settle before the hearing because they know they dont have a case.

Edited by dx100uk
spacing
Link to post
Share on other sites

so make a note on your calendar and as soon as they fail to pay the fee you get on to the court.

 

If they do pay the fee them you work on your witness statement and other evidence and show us what you intend to go with.

 

This is still a long way away but get your pictures and other evidence prepared, they will produce false images of signage and claim that is what is there.

Link to post
Share on other sites

  • 3 months later...

I have finally had a response from CEL.

 

They have provided the information that I was recommended to request (photos/all correspondance etc) in April/May.

 

As well as this, I haven't received any more concerning the court action and the deadline of 21 Dec has passed.

 

How do I find out if they paid the fees?

Edited by dx100uk
spacing
Link to post
Share on other sites

check on your moneyclaim online console or phone the court.

If you quote the case ref any court can tell you but as your local court will have the paperwork best ask them and then you can request they ask the judge to stay the claim.

 

Court officers can do quite a lot on their own initiative and some are good at helping people making enquiries and some are obstructive and may demand you use a N244 and pay £255 for what should be an automatic thing.

 

you will find out soon enough when you ask about the stay.

Edited by dx100uk
space/spell
Link to post
Share on other sites

After what must be over 100 attempts, spread over several days, I have finally got through - CEL DID pay the fees, so the case is on.

 

Being that I'm not the most organised person in the world,

I did not submit my witness statement prior to the required 14 days (the case is to be heard on the 18th Jan).

This was because the deadline for paying the court fees was just a few days before Christmas, so I had other things on my mind.

So, What can I do?

 

On 4th Jan, I received the CEL's pack with all of their evidence,

but haven't put together a pack of my open because I completely forgot about it until theirs arrived;

 

I appreciate that this is no defence.

 

That’s exactly 14 days before the hearing.

I wasn’t home, s

assume that the postman signed for it.

Is this legal?

 

When I checked the Royal Mail website, there’s a scrawl that obviously isn’t mine, so can this be considered inadmissible?

 

Without going in to too much detail,

from what I can see,

in my opinion their witness statement is flawed

- the sign I saw stating that there was 3 hours parking belonged to another parking company, not CEL.

 

Their signs state 2 hours,

but I did not pass one on the way to my parking space.

 

How was I supposed to know the difference?

I know that I was parked for 3h 7m, but isn't that within the 10min grace period that parking attendants give (or have I imagined that?).

Edited by dx100uk
spacing
Link to post
Share on other sites

you mean you've received their witness statement but you've yet to do yours?

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 had better learn to read properly and byn that I mean read things thoroughly. CEL havent submitted a DEFENCE, that is for you to do.

 

As for NOT writing an submitting your defence you should have read the court paperwork and other threads so you would know that you stick to the timetable regardless of what the other side does. If they say tey are drodping their claim you still attend court unless the COURT has told you otherwise.

 

Get your defnce writtne tonight, post it here for peopel to comment on and then get it sent to court by both letter mail and email attachment.

 

You neerd pictures of the signs, you need pland of the car park suitably anotated, you need to tell us whether they have planning and if they dont you use the document linked in the parking pranksters blogspot of dec 2017 to show why they need it and wehy thier signs are ILLEGAL and thus no contract can be formed.

 

You have had over a year to get a grip of this and still you havent doen a thing about it that can be said to be decisive so time to put it all together and produce soemthing that will knock them over.

 

Are the images in their WS the same as at the actual site or just computer mock ups? Thye usually use the latter so compare whrit evidence with the reality.

 

- - - Updated - - -

 

post up what they have sent so we can pick holes in it

Edited by honeybee13
Paras
Link to post
Share on other sites

@dx100uk

 

I'm afraid so.

 

@ericsbrother

Having not been through anything like this before;

I admit that I have been a little ignorant to what is required.

 

I have had parking tickets before that I have contested successfully,

but they have never got this far and I was expecting this to be the same.

My bad.

 

They've sent a massive pack of info.

I'll scan it all and get it up on here ASAP.

Is it acceptable to copies of their defence as my defence?

 

Attached is the CEL pack of information.

I have broken it up in to 5 sections because it was over 22mb.

I will post that up if that is prefered.

 

I will work on my pack and upload it as soon as I have completed it.

claimants WS .pdf

Edited by dx100uk
merge
Link to post
Share on other sites

stop using the word defence...they are WITNESS STATEMENTS.

 

get yours done and in.

there are numerous examples here already.

 

you are a LiP litigant in person.

and are given certain leeway.

 

to day should be well ok to submit.

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

claimant WS in post 46 sorted.

 

the court cases they mention are not applicable

there is already a WS here that blows them apart.

 

have you gone and got and CHECKED:

 

the planning permission for the signs

 

the planning permission for the cameras.

 

 

the ORIGINAL parking specs in the planning permission when the estate was granted permission...typically free parking is 3 hours, no-one can change that.

 

have they sent a copy of the current and PAID UP contract with the land owner?

 

 

whomever turns up for cohen

you check they are a registered solicitor or they cant say a word!!

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

Those cases have been rebutted before as DX indicates, and Beavis is only relevant to it;s own facts, so not applicable here,

 

Amazed they didn't trot out some other old discredited chestnuts with no relevance like Elliott v Loake and CPS v AJH Films. as Belt & Braces

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 OTHERS

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

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

well, their sign is as said a computer mock up so you had bertter takle some pictures of th real signs with you.

 

no mention of any futher costs beinmg claimed as part of that cpontract so they cant and in any case when they are claiming from the keeper under the POFA the amount is limited to what is demanded on the invoice so there usurious debt decovery fees and admin arent legal. Drive this point home so that if for some reason you do lose then they will only get the £100.

 

The plan isnt a plan so use a grab from google earth to show what it really looks like from above. Even small differences will make the rest of their evidence unrelaible. Their signs arent compliant with their Accredited Trade Association and therefore the signs dont comply with para 12 of the POFA

 

the signage piccy on page 16 of their WS clearly cant be read from a passing car and there is no evidence that the core terms they rely on are visible and as they say 2 hours maximum feee parking this indicates there is an offer to park for longer than 2 hours under other conditions. No offer for an extended period appears or any explanation as to how you pay for stopping beyond 2 hours is indicated so it isnt a fair contract.

 

clearly the actual 3 hours permitted parking period renders their contract void. The terms on that sign are totally different to the other signs so there is confusionas to what is being offered. This means that s62 of the consumer rights act applies and the whole lot are not binding. Same goes with the sign at entrance, different so the others arent a binding contract but at best an invitation to treat

 

you take copies of the POFA and the CRA 2015 with you as the judge wont be digging them out just to make you happy

 

I am not happy that you still refer to their defence when it is a plaintiff's witness statement. This is what I mena about reading things properly, you still arent doing this so you may well miss a lot of important things because you answer what you think has beed said rather than what is actually there. Pay attention and you wont drop yourself in it.

Edited by honeybee13
Paras
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...