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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   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? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . 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 [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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Bilali8

G24 ANPR PCN - Overstay A40 Alperton Lane, Off Western Avenue, Greenford, UB68AA, Costa/KFC

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Good evening everyone,

 

A friend and I met up at the costa on the A40 in Greenford a few weeks ago, and we stayed there working on something for about 2 hours.

A couple of weeks later he gets a PCN in the post, and I don't.

 

Attached is what they sent him, apparently the max stay time is 90 minutes. Which is utterly ridiculous.. what if someone wants to sit in costa to revise, or work on something? These private parking companies do not have people's interests in mind and institute these ridiculous rules, and the business owners are utter clowns for allowing them to do so.

 

Please advise, thanks!

G24 Parking Charge R.pdf

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Can you tell us the exact date you parked, and the exact date you recieved the letter?

 

btw, that NTK.... isnt compliant ;)

 

Also, please edit out reference numbers and your reg number from it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Redacted document and approved. :thumb:


We could use your help

PLEASE HELP US TO KEEP THIS SITE RUNNING

 

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.

 

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we stayed there working on something for about 2 hours.

 

You were trying to use them as a 'free' office or workplace facility for the cost (and time) of a cup of coffee?

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Tony P the reason for stopping there is totally irrelevant. What is important is whether G24 have all their ducks in a row to be able to claim anything from any motorist. Most parking companies seem unable to do that.

Members come on the Forum for help and advice not to be pilloried.

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However, the OP said, ' apparently the max stay time is 90 minutes. Which is utterly ridiculous.. what if someone wants to sit in costa to revise, or work on something? These private parking companies do not have people's interests in mind and institute these ridiculous rules, and the business owners are utter clowns for allowing them to do so. I think this is what Tony P was replying to.

 

(My accent)

 

Whilst not siding with the PPC, I wonder what part of Costa's business plan allows for students doing their revision?


My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

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Whilst not siding with the PPC, I wonder what part of Costa's business plan allows for students doing their revision?

 

Doesnt matter one little bit, but plenty of coffee outlets allow people to stay for an hour or two an revise with a few cups of coffee


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Redacted document and approved. :thumb:

 

Thank you Dragonfly, I keep missing things!

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It is unlikely that Costa have a say on any of this, they are tenants and get what they are given.

 

in the fullness of time that is something that you will be asking- who did the parking co sign a contract with but for the moment finding out what exactly the signs say will be helpful as their NTK contains a claim for further costs recovery that doesnt apply to the keeper at all ond to the driver only of these terms were expressly notified on the signage at the time.

 

By adding this unlawful charge they may have rendered the entire contract void under the unfair contracts terms regs.

 

as for sitting in their shop and doing your homework

- well, if you had WALKED in off the street would they demand £100 to sit there after you finished your coffee?

 

If they didnt they would lose custom and all of the legal claims afterwards.

 

I must remind people, this is not about actions or parking, it is about contracts so whether your dog was ill or you wanted a 17th cup of coffee and had to spend 2 hours in the toilet that doesnt matter, it is were you offered a legally enforceable contract and did you break it?

Edited by dx100uk
Merge

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For PNC's received through the post [ANPR camera capture]

 

please answer the following questions.

 

1 Date of the infringement 07/04/18

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 13/04/18

 

3 Date received 16/04/18

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] not on the front, unsure if so on the back

 

5 Is there any photographic evidence of the event? yes, apparently

 

6 Have you appealed? {y/n?] post up your appeal] No, I don't do anything without advice from this community

Have you had a response? [Y/N?] post it up

 

7 Who is the parking company? G24

 

8. Where exactly [carpark name and town] Alperton Lane, Off Western Avenue, Greenford, UB68AA, Costa/KFC

 

For either option, does it say which appeals body they operate under.

 

There are two official bodies, the BPA and the IAS. Unsure at the moment. I will confirm when I receive a picture of the rear of ticket

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i must remind people, this is not about actions or parking, it is about contracts so whetehr yu dog was ill or you wanted a 17th cup of coffee and had to spend 2 hours in the toilet that doesnt matter, it is were you offered a legally enforceable contract and did you break it?

 

where is the like button??

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At the bottom of people's posts there is a black star. You can click on that and say thank you and leave a short message.

 

HB

  • Confused 1

Illegitimi non carborundum

 

 

 

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did they provide the photographic evidence in the NTK?

If they didnt then it isnt a legal NTK.

 

they cant say we have some pictures of your car but we arent going to show you them now, they have to provide evidence of the breach they are claiming and in this case that means timestamped piccies.

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Photos do appear in the document in post #1. Is that what you were referring to?

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yes, sorry, I was confusing this with a PE ticketed vehicle post

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Yes the only "Evidence" provided is the one on the image posted.

 

Funny thing is that I was there for longer than my friend but I have not received a PCN.

 

He worries bailiffs/debt collectors will come or that the pcn company will clamp his car.

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Oops DCA's are not bailiff s

And have ZERO legal powers

 

Bailiff s can never be involved unless it's been to court and he loses!!

 

Clamping was outlawed in 2012!!


please don't hit Quote...just type we know what we said earlier..

 

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It's what I keep telling him, he just needs to see it from you guys.

 

I've got a thread going on for a PCN from August, nothing has happened since but DRP toilet paper and fake solicitor letter headed letters.

 

Thank you Dx

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Bilal just ensure that the address the DVLA has for you is where you currently live. Otherwise G24 could be writing to you at another address and might manage to get a backdoor ccj.

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That has crossed my mind.

 

I moved properties 2 weeks ago, I've changed my details but I haven't redirected my post.

 

I moved on the 20th of April, my friend received his on the 16th. My thought was if I was to receive it I would have by the 20th.

 

Is it worth calling the DVLA to ask if anyone has requested my details for a PCN etc.?

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You should always redirect your post, that is how fraudsters get enough paperwork to create false accounts in your name.

As for asking the DVLA, well if the parking co asked for your details and were given your old address then the parking co is obliged by law to write to that address until YOU tell them otherwise.

 

we have hundreds of thrad here that w are asked to help with when people havent taken the simple action to protect themselves. you can still get a post redirect for RM, make it at least 6 months and then if you get a letter from a dca or the like you tell them that the new address for this matter is......... but you still deny any monies are owed.

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so my friend has received a few letters in between,

based on past experiences from you guys' replies on other threads we ignored.

This is the most recent however, he started panicking again.

 

Thanks!

IMG-20180818-WA0016.pdf

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std grap not a letter before claim

 

doesnt say WILL anything


please don't hit Quote...just type we know what we said earlier..

 

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So continue to ignore?

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