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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
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    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes 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.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 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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PCN issued - no photographs uploaded at all.


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Parked in a residents` or shared use parking place or zone without either clearly displaying a valid permit or voucher or pay and display ticket issued for that place, or without payment of the parking charge (shared use bay)

 

This was the reasoning for being given a PCN (hire car at the time) - wrote to them straight away stating that there were no pictures taken of the vehicle as none were uploaded on council's website - "no images were found for this PCN!"

 

council responded saying wait until you receive notice to owner but not having photos isn't sufficient grounds as they don't need photos or something along those lines. so hire company were contacted

- gave my details (this is just before Christmas) but no letter was received at my address apart from a letter after the new year stating I needed to pay £110.

 

I wrote back to them via online stating that there were no photos and I had not received a previous letter so why am I being charged £110 already

I also said I wanted to go to independent adjudicator

- they stated a letter was sent on the 19/11/2018 and I missed the opportunity to speak to the independent adjudicator as I didn't respond to the previous letter -

 

Their wording was :

 

a notice to owner was sent to you on ..... this notice provided you with the opportunity to make formal representations. as you failed to make rep a charge certificate (CC) was issued. once a cc has been issued there is no longer the formal right of appeal.

 

the pan has been reviewed and we are satisfied that it remains valid,

 

your representation has been reviewed I must advise you that we issued the pcn because your vehicle was observed pared in a resident's or shared use parking place or zone without either claeary displaying a valid permit or voucher or pay and display ticket issued for that place, or without payment of the parking charge.

 

The CEO had recorded detailed notes at the material time of issuing the pcn and can confirm the contravention has occurredl. the photographic evidence is secondary. it is the responsibility of the driver to insure that they understand the restrictions in place and follow the designated signage.

 

at this stage we have reordered 110 as a gesture of goodwill (whatever you say mate - gesture of goodwill is you not giving me this ticket) 110 payment should be made within 14days blah blah

 

what can I do now?

how do I respond to a letter I never received for adjudicator ?

how can they prove I was parked there

- what if a ticket guy has it in for me and just stuck a ticket on and not provided photos cause I wasn't parked there?

 

thanks for the help

 

oh and to top it off the car was only observed from 13:34pm - 13:34pm

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Your narrative is muddled, but I think you're saying you didn't receive the Notice to Owner in your name. Even though the council say it was sent, and you say they have now sent the Charge Certificate (where the penalty increases to £165) they are prepared to accept £110.

 

Since you don't seem to have any grounds for the pcn to be cancelled, that's proably the best outcome.

 

The alternative is you wait for the Order for Recovery and make a Witness Statement that you did'nt receive the NtO. That sets it back to the NtO stage where you can make representations and when they are rejected appeal to adjudication, where, on the basis of your non-existent grounds, you will lose.

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I have to agree with Michael, based on the information you've given. You don't deny parking in a place you weren't permitted, so unless there's more to the story which you haven't told us, I don't see any reason why the PCN will be cancelled, with or without the adjudicator. Therefore, you're now at the best outcome stage - the original, full charge, but none of the extra charges which could be added for non-payment.

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They can't prove you were there, and they don't have to. It will be your word against the CEO who issued the charge - they will refer to his or her notes, the details on the PCN, and the circumstances on the day. They have your vehicle registration, location, times, vehicle colour, make and model - and your claim to have just not been there, or not parked in contravention, without any supporting evidence, will be dismissed.

 

If you lie to an adjudicator, the cances of you being hit with a fine are close to zero, but it's a question of whether you want to spend your time and effort, not to mention the council's resources on fighting a case which is very likely to fail.

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How can you prove the ceo is being honest? Do they just believe his / her word and that’s it?

 

Well, you could prove he was lying by producing evidence that you were parked somewhere else, except of course that you can't.

 

It's odd that you question the honesty of a CEO whilst being perfectly prepared to lie yourself.

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They can't prove anything - it's a balance of probability. If the CEO says you were there, he or she will automatically be believed, unless you can prove to the contrary.

 

If you read the PCN it will say something along the lines of "the CEO had reason to believe the contravention occurred". Then it's up to you to show why his or her judgement was wrong.

 

If you think about it, were they to uphold appeals just on the basis of no photographs, then any PCN without photographs would be successully appealed with a straight denial. And then that would mean photos would have to become mandatory.

 

As photos are not mandatory, PCNs can be enforced without them, and there's no automatic get-out if there are no photos available.

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I just don’t want to pay £110 - as I’m sure 99% of people here want to get out of doing

 

Absolutely, but without sufficient grounds you are going to have to bite the bullet and pay.

 

If you don't within 14 days of their letter, it will go back up to £165 and will escalate even higher if you're not careful.

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If you cannot get them on a rock solid technicality, I have always found that coming up with a plausible reason why you were in contravention of their rules is the best tactic. A good story if you like, something which cannot be proved either way, appealing for them to be lenient on this occasion whilst apologising (local council love you to bow down) and stating you will be more careful in the future!

 

Obviously you are past this stage in this instance but I have found the above to work on a number of occasions.

 

I know others may be critical of you not being honest but we must do what we must do to prevent ourselves from being extorted.

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I for one am critical of YOU for suggesting that the OP lie! This is completely against the ethos of CAG. We offer advice to combat the lies of others and to support the innocent or confused when dealing with (in this case) officialdom. On the other threads we help to combat lying money grabbers.

Edited by Gick
typographical error

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.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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I for one am critical of YOU for suggesting that the OP lie! This is completely against the ethos of CAG. We offer advice to combat the lies of others and to support the innocent or confused when dealing with (in this case) officialdom. On the other threads we help to combat lying money grabbers.

 

You're entitled to your opinion but I do not believe what I suggest to to be against the ethos of CAG. It might run contrary to your values, and that's fine.

 

There are any number of threads on the Debt forums with posts from seasoned CAG members advocating that people bypass any moral assessment as to the legitimacy of their "debt".

 

Just as I am saying that we may need to bend the truth on occasion, bypass any moral judgement on that in order to prevent local councils and others reaching into our back pockets.

Edited by MontyIsInnocent
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