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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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old stepchange dmp - cant afford payments now


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well once 12+2 working days have expired since you sent a cca request

you can stop paying that fleecer .....if they've not complied and we've checked it ...till they do.

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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I stopped paying stepchange

 

the 2 replies ive had back

one is 1st credit saying they are aware of dispute and will contact original lender/suspend collections activity whilst they endeavour to obtain documents.

 

The other is Idem servicing who say we endeavour to provide the requisite information within the next 12 working days.

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well done

another cash cow removed from the dca milking parlour

 

 

pigs might fly them getting enforceable cca's too..

 

 

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... 

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Share on other sites

When are the days counted from

the day I sent or the day they received?

 

do these letters buy them time ?

 

Will anything happen will this be the end of things?

 

still seems to good to be true

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well that's what the dca's said when you blindly started paying them..

this is too good to be true..free money..let go on holiday with it.

 

that's what the +2 days is for posting.

 

buy them time?? .

 

.stops you continuing to be fleeced blind

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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Share on other sites

if you get anything back, like a cobbled together agreement and the T&C's you'll need to scan them up.

go read/look at a few debt threads in the forums!!

 

 

click the main forum tab top left [scroll up]

drill down to the forum named the same as the original creditor that gave you the credit .

click that forum

read some threads

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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ok thanks

 

Hi

ive had replies from cabot stating they acknowledge the 12 day time limit.

 

However, as they have had to request the details from the original lender they anticipate that it will take them longer.

 

They hope within 40 days to comply with request , do I post this info under cabot or just continue to wait.......

Thanks

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cabot always say that

they have as already advised 12+2 working days from you posting it

if they fail to comply

you can stop paying 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... 

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Share on other sites

ok thanks

 

is there anyway legally it can go back to the original lender

 

do they have any legal grounds

 

or is that the whole point of all of this to see what they can come up with?

 

I think I'm slowly getting it,

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doesn't matter who owns it if theres no Enforceable agreement

 

 

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... 

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Share on other sites

ARRRGG made a small mistake

 

I sent the SAR to Lloyds and its joint but I only enclosed £10 po

they just called me to inform me of this and asked me what paperwork I wanted to save sending irrelevant things

I said ALL!!!

 

hope this was the right reply,

I also said I would send SAR for partner with po.

 

The 12+2 days were up today I will post a letter of correspondence later from one of the dca in the proper place

they have stated that it will be defaulted on

I was under the impression it had been as its 2009 debt

 

.I'll post it when I figure out how to scan it.

 

Lloyds at one point in our lives loaned us as a charge on our home £10k to take on a ltd business

 

not sure how relevant that is

 

we cleared it so our home wasn't at risk

 

would we be able to use relevant paperwork for anything else

 

as they freely leant us way too many loans hence the mess we are in.

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after the 12+2 days which ended on Friday

 

2 dca haven't replied at all

 

,I just need to sort my husbands SAR as I slipped up with the postal order just off me that'll be done Monday.

 

Will they all of been defaulted at the time of passing to DCA?

 

I have no way of checking as it was in 2009 off file now.

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Yes99% of the time an OC will default before sale

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've received response from SAR

they've asked if I want call data and or emails as this may take longer

 

they will advise on length of time when I reply

 

I don't recall emailing ever

 

would this be necessary or do I just need bank paper info?

 

thanks in advance

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You are in no rush

They could be the key

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

So request it all?

I feel like I'm waiting ....

 

.what might happen

 

I realise everyones circumstances are different

 

I've read a few posts and things everyone else seems to be settling debts or bankruptcy

 

was I just in a better position fleeced for longer can't quite figure out things

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No one is settling unenforceable debts here

And if they are a mug

might as well burn the money

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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  • 6 months later...

so update us upon what you did

you stopped the DMP and payments?? well done if you did!!

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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Share on other sites

yes stopped paying dmp

 

did an SAR to bank regarding overdraft

 

this was sold off to cabot too.

 

cca to all of the other loans /credit cards

 

idem and cabot keep phoning saying we need to set up payment plan or it will affect credit file

 

I have access to clearscore and have excellent rating on there

 

havent signed up to experian to see whats on there

 

dont need credit anyway,

 

how do I stop them calling or cant I?

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wow that really impressive

so in a nut shell

you've written off over £50k of debt thanks to CAG and a few simple CCA request that were all ignored.

 

your debt cant comeback on your file

so gameover for all of 'em.

 

one big cash cow gone!!

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

below

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

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