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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.
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    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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MMF/moriarity claimform - old PDL Finance Ltd t/a MR Lender PDL Debt


Jobyboy
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Hi Guys,

 

I had a Mr Lender loan a good while back, for only £184. I believe it was nearly statue barred. (Screenshot of noddle report attached)

 

However, yesterday I received from ‘Moriarty Law’ (also attached) and today a County Court Claim form (this is also attached).

 

I’m unsure how to proceed and would really apreaciate the groups advice.

 

Many thanks.

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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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Sure,

 

Name of the Claimant: Motormile Finance UK LTD (MMF)

 

Date of issue –: 04/08/17

 

What is the claim for – the reason they have issued the claim?

 

The defendant owes the claimant £171 under a regulated loan agreement with PDL Finance LTD T/A Mr Lender. Dated 15/09/2011 and which was assigned to the claimant on 27/10/2012 and notice of which was given to the defendant on the 27/10/2012 (Debt). Despite formal demand for payment of the debt the defendant has failed to pay the claimant claims £171 and further claims interest thereon pursuant to section 69 of the County Court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £13.

What is the value of the claim? £260

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Payday loan

 

When did you enter into the original agreement before or after 2007? After

 

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? It is the debt purchaser.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Possibly, I am unsure.

 

Did you receive a Default Notice from the original creditor? It was so long ago I cannot recall.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I am unsure.

 

Why did you cease payments? I had a few payday loans back at this time and they all became too much to afford so I began defaulting.

 

What was the date of your last payment? I am unsure, Noddle indicates it was September 2011

 

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

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign 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... 

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well don't await a reply

get looking at suitable defences in the success forum off this one

or here

you DO NOT

miss your defence filing date whatever happens

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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well you don't want them too...think about 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... 

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not until you defend as they don't know what you are doing till then do they??

 

plenty of like threads here already to read

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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scan it up to one multipage PDF please

click upload

 

 

did you only have one Mr lender loan or was this a chain.?

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...

Hi,

 

I have attached the cover letter and the first page of the agreement they have sent to me.

 

This does not seem to be a chain. It appears to me to be a completely different account.

 

I'm getting a little worried now, I'm getting very close to the date I have to file a defence. What should I do next?

 

Many Thanks!!!!

 

I should add, Moriarty Law have completely ignored the CPR letter. This is a good thing right?

MMF Response .pdf

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Does the agreement number match the one in their 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... 

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Share on other sites

There is no agreement number in the written POC paragraph. That is exactly as follows:

 

 

"The defendant owes the claimant £171 under a regulated loan agreement with PDL Finance LTD T/A Mr Lender. Dated 15/09/2011 and which was assigned to the claimant on 27/10/2012 and notice of which was given to the defendant on the 27/10/2012 (Debt). Despite formal demand for payment of the debt the defendant has failed to pay the claimant claims £171 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £13."

 

 

There does not seem to be any agreement numbers anywhere on the Court Claim Form (except for the Claim No.). There is however an agreement number on the letter that came directly from Moriarty Law, I included this number on my CCA. That number is not the same as the agreement number on this recent response.

 

Thanks for all your help Dx, really appreciate it!

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agreement date is diff to the date in the poc too!!

sadly they never get their paperwork right.

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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well if you were taking someone to court wouldn't you make sure the agreement you wish to enforce payment on had the correct date on it and the right agreement number?

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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Well that was exactly my thought. However as the CCA went to MMF and the CPR to Moriarty I figured there could just be some confusion?

 

 

Is my next step to create a defence? I have to submit one a week yesterday I believe and don't have a clue where to start :/

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due by 4pm Tuesday

I see you've read like threads

they have the example no paperwork/holding defence

 

 

pers i'd keep the fact that the agreement date and number don't match to yourself for now

see if they want to go all the way to court and disclose it in their WS IF it gets that far.

then you can shoot them infront of the judge in person

 

 

see what andyorch says when he passed by with 5 mins to spare.

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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Subbed to thread ...but you will have to nudge me on Monday to take a look.

We could do with some help from you.

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I've sat down this morning to have a really good read through other examples of the no paperwork/holding defence and create my own.

 

 

If I am not disclosing at this point that the agreement date and number don't match, am I right in thinking that the main basis for my defence is the fact that they have not responded to the CPR request?

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