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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
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Lowell claimform - old vanquis debt


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Hi,

 

I have received a claim from northampton county court on 31st Jan 18.

 

I have done the acknowledgement online as per the document (and help here) acknowledged on the 31st.

 

I have read some posts about similar and sent a CCA to Lowell and CPR to Lowell Solicitors signed for.

 

I had a Vanquis Card back in 2012 and came out of work and couldn't pay, stuck my head in the sand and ignored everything. Received some letters from Vanquis I think but just binned them.

Got some letters from Lowell and they ended up in the bin too. :D

 

I know it is not far off from being Statute Barred which is why I guess they have decided to try this now.

 

I've now got a claim from Lowell via the court for £2660.50

The claim is broken down as;

 

Amount Claimed £2660.50

Court Fee £105.00

Legal Fee £80.00

Total £2845.50

 

The Claim particulars are

 

1 - The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference xxxxxxxxxxxxxxxxxxxxx (the agreement)

2 - The defendant failed to maintain the required payments and arrears began to accrue.

3 - The agreement was later assigned to the claimant on 04/08/2013 and notice given to the defendant.

4 - Despite repeated requests for payment the sum of £2463.43 remains due and outstanding.

And the claimant claims

a - the said sum of £2463.43

b - interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.540, but limited to one year, being £197.07

c - costs

Since sending the CCA to lowell I have not heard anything from them at all (sent 1st Feb)

 

Lowell Solicitors have sent a copied version of the notice of assignment which introduces them as the "debt purchaser". It is not an assignment or transfer from the original creditor which is what was asked for in the CPR.

 

I have been working on my defence and this is what I have so far;

 

"The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.

 

(1) The Defendant notes the opening sentence referring to an agreement between him and Vanquis. The Defendant has in the past had financial dealings with Vanquis. The Defendant is unaware of what alleged debt the Claimant refers, having failed to adequately particularise its claim. The Defendant has not entered into any contract with the Claimant.

 

(2) The Claimant alleges that the Defendant failed to make the required payments due. This is denied.

 

(3) The Claimant alleges the agreement was later assigned to them on 04/08/2013 and notice has been given to the Defendant. This is denied. The Defendant is unaware of any legal assignment or Notice of Assignment from assignor or assignee pursuant to the Law of Property Act 1925 s136.

 

(4) The Claimant alleges “repeated requests for payment”. This is denied.

 

The Defendant is unaware of what account or contract the Claimant refers to, nor having received any default notice pursuant to the Consumer Credit Act 1974.

The Claimant has not complied with paragraph 3 of the Pre Action Protocol. Failed to serve a letter of claim, pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.

 

The defendant denies owing any monies to the Claimant and the Claimant is put to strict proof to:

(a) Show how the Defendant has entered into a legal signed agreement with the Claimant; and

(b) Show absolute proof of how the Defendant has reached the amount claimed for with the Claimant by way of statements showing all amounts levied by the Defendant; and

© Show how the Claimant has the legal right, either under statute or equity to issue a claim;

(d) To provide an original assignment in writing signed by the assignor at time of alleged assignment pursuant to the Law of Property Act 1925.

(e) On receipt of this claim the Defendant requested by way of CPR31.14 and a section 77 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to the section 77 request and remain in default with regards to the CPR31.14 request.

 

As per Civil Procedure Rule 16.5(4), it is expected the Claimant prove the allegation the money is owed.

 

On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925 and Section 82a of the Consumer Credit Agreement Act 1974.

 

The Defendant feels that in the event the Claimant does not have a right to issue claim, pursuant to the Law of Property Act 1925 it may be a contempt of court in that the Claimant brings a claim that is misleading by representing they have ownership by assignment and making that representation in their particulars of claim before the court.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief."

Any chance anyone can help me out with this?

I'm trying to get everything in the right order and such but it is a little daunting on my own.

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1st thing 1st

when was your last payment?

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 no harm in going and ringing vanquis and asking just incase it was before 31st jan

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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It was definitely after. I had enough when I finished work to pay until around end of March I know I kept paying for at least 2 months or so.

 

I used the card for business at the time and payments came out of my business account, I can probably check old statements but definitely was paid until at least March or April

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ok

 

you appear to have taken one of our defences and mixed in quite a bit of unnecessary twaddle and repetitiveness

like The Defendant has not entered into any contract with the Claimant.

 

it needs a tidy

or simply revert to CAG's original..less is more.

 

save the extra bits for your WS

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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by day 33

 

if you had the payment holiday bit ...THAT IS ROP!!

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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Date of service for the claim was 29th jan. not sure what date the defence needs to be in by. I’ve figured 3rd March?

defend by 4pm 2nd

 

as for rop

https://www.consumeractiongroup.co.uk/forum/showthread.php?481732-GET-RECLAIMING-VANQUIS-CARD-ROP-NOW-EVERYONE..

 

but that's afterwards get this claim resolved first...

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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Date of service for the claim was 29th jan. not sure what date the defence needs to be in by. I’ve figured 3rd March?

 

Friday 2nd March by 4.00pm

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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yes lots in that forum

but leave that until this debacle is over

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,

 

Just tried to tidy up the defence a little, just wondering if someone would give it a quick once over for me please?

 

The Claim particulars are

 

1 - The defendant entered into a consumer crediticon Act 1974 regulated agreement with Vanquis under account reference xxxxxxxxxxxxxxxxxxxxx (the agreement)

2 - The defendant failed to maintain the required payments and arrears began to accrue.

3 - The agreement was later assigned to the claimant on 04/08/2013 and notice given to the defendant.

4 - Despite repeated requests for payment the sum of £2463.43 remains due and outstanding.

And the claimant claims

a - the said sum of £2463.43

b - interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.540, but limited to one year, being £197.07

c - costs

 

"The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.

 

(1) The Defendant notes the opening sentence referring to an agreement between him and Vanquis. The Defendant has in the past had financial dealings with Vanquis. The Defendant is unaware of what alleged debt the Claimant refers, having failed to adequately particularise its claim.

 

(2) The Claimant alleges that the Defendant failed to make the required payments due. This is denied.

 

(3) The Claimant alleges the agreement was later assigned to them on 04/08/2013 and notice has been given to the Defendant. This is denied. The Defendant is unaware of any legal assignment or Notice of Assignment from assignor or assignee pursuant to the Law of Property Act 1925 s136.

 

(4) The Claimant alleges “repeated requests for payment”. This is denied.

 

The Defendant is unaware of what account or contract the Claimant refers to, nor having received any default notice pursuant to the Consumer Credit Act 1974.

 

The Claimant has not complied with paragraph 3 of the Pre Action Protocol. Failed to serve a letter of claim, pre-claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.

 

The defendant denies owing any monies to the Claimant and the Claimant is put to strict proof to:

 

(a) Show how the Defendant has entered into a legal signed agreement with the Claimant; and

(b) Show absolute proof of how the Defendant has reached the amount claimed for with the Claimant by way of statements showing all amounts levied by the Defendant;

© Show how the Claimant has the legal right, either under statute or equity to issue a claim;

(d) To provide an original assignment in writing signed by the assignor at time of alleged assignment pursuant to the Law of Property Act 1925.

 

 

(e) On receipt of this claim the Defendant requested by way of CPR31.14 and a section 77 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to the section 77 request and remain in default with regards to the CPR31.14 request.

 

As per Civil Procedure Rule 16.5(4), it is expected the Claimant prove the allegation the money is owed.

 

On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925 and Section 82a of the Consumer Credit Agreement Act 1974.

 

The Defendant feels that in the event the Claimant does not have a right to issue claim, pursuant to the Law of Property Act 1925 it may be a contempt of court in that the Claimant brings a claim that is misleading by representing they have ownership by assignment and making that representation in their particulars of claim before the court.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief."

Edited by Andyorch
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I refer you to post 6

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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