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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Lowell Claimform - old HBOS Credit card ***Claim Discontinued***


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I received a County Court summons 17 October 18, for a debt from BoS credit card 

 

the particulars of claim are as follows

 

1.The Defendant entered into an agreement for a Bank of Scotland (Credit card) under ref XXXX XXXX XXXX XXXX.

 

2.The defendant failed to maintain the required payments and the service was terminated.

 

3. The agreement was later assigned to the Claimant on 24/11/2016 by BoS PLC and notice given to the defendant.

 

4.Despite repeated requests for payment, the sum of £3400 remains due and outstanding

 

And the claimant claims 

The said sum of £3400 and costs.

 

After i received this I sent a section 77 79 request for my credit agreement dated 29th October 2018 ,

which I have not received,

I only received an acknowledgement and nothing else.

On the same day I also sent a cpr 31.14 letter to them as well.

 

I notified the court of my intention to defend the case. 

I filed my defence on 8/11/18

I have since received an offer of mediation which i refused.

 

The court has now notified me on the 14th February 2019,  that the case will be heard in court in August 2019 

 

It says that

 

1.Unless the claimant does by 4:00pm on the day of 16th July 2019 pay to the court the trial fee of £355 or file a properly completed application for help with fees, then the claim will be struck out with effect from 16th July 2019 without further order and , unless the court orders otherwise, you will be liable for the costs which the defendant has incurred.

 

what should I do now,

wait to see if they pay the trial costs on 16th July? 

Then start preparing my defence. 

Or should I be doing anything else. 

 

They havent even sent me the credit file or credit agreement, or responded to my cpr request.

 

Not sure what to do,

I cannot remember when the credit card was originally taken out, a

nd there is no dates on any of the forms saying when it was taken out,

just that it was assigned to Lowell in 2016.

 

What is the best course of action?

 

 

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Thread moved to Financial legal Issues Forum in view of the court claim...please continue to post here to your thread.

 

If you could read the following link and then copy and paste the Q,s and your responses back here so we have a history of the debt and claim.

 

Regards

Andy

We could do with some help from you.

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Name of the Claimant ? Lowell Portfolio

 

17/10/18

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) -


 

Particulars of Claim

The Defendant entered into an agreement for a Bank of Scotland (Credit card) under ref XXXX XXXX XXXX XXXX.

The defendant failed to maintain the required payments and the service was terminated.

The agreement was later assigned to the Claimant on 24/11/2016 by BoS PLC and notice given to the defendant.

Despite repeated requests for payment, the sum of £3400 remains due and outstanding

And the claimant claims 

The said sum of £3400 and costs.

 

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

Unpaid credit card.

 

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?

Yes

 

 

Did you inform the claimant of your change of address?

Yes

 

What is the total value of the claim?

£3,750

 

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 ?

November 2008

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?

No

 

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.

Account assigned from BoS to Lowel Portfolio

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

Allegedly 15/12/2016.

 

Did you receive a Default Notice from the original creditor?

Allegedly  4/7/2009

 

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

Dont Know

 

Why did you cease payments?

Financial difficulties

 

What was the date of your last payment?

I had an agreement to pay £1 pm, but stopped paying in 2015

 

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?

Yes I had an agreement to pay £1 pm

 

 

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What defence did you file please

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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The standard credit card defence which I got off here.

Defence

 

1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is noted and it is accepted insofar that I have once held a contractual relationship with(Insert original creditor). I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant given that that they are the assignee of this alleged debt and have very little knowledge of what they are claiming and do not appear to be able to disclose any further details by way of CPR 31.14.

 

3. Paragraph 2 is denied I have never received any Default Notice from the original creditor nor the claimant

 

4. Paragraph 3 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over x months ago.

 

5. On the xxxxxxxxx ( sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request and a Section 78 request. The claimant has failed to date to respond to the CPR and remains in default of the section 78 request.

 

6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show and evidence the nature of the breach and service of a valid default notice;

© show how the Defendant has reached the amount claimed for; and

(d) show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

7. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14

 

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

 

9. 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 and Section 82A of the consumer credit Act 1974.

 

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

 

Alternative finish….

 

10. On the xxxxxxxx I made a legal request by way of a CPR 31.14 request and a Section 78 request to the Claimant. The Claimant has failed to comply and therefore is in default of this request and as such is not entitled to to enforce the agreement or request any relief until such compliance.

 

11. By reason of the facts and matters set out above, the claimants claim is denied.

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nothing further you really need to do then until july 19

ring the court say the day after see if they paid.

as the court case in not until august you've not gotta do a witness statement till 14 days before

HOWEVER..no harm in researching now

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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What date are the courts directions to each party ? When must you submit your statement and disclosures by ?

 

Andy

We could do with some help from you.

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It says all witness statements and documents that are to be relied upon for the hearing should be sent to the court 14 days before the case hearing, and also sent to the other party.  So that needs to be done by 30th July, if they have paid the fee to proceed to the hearing, by the 16th July.

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:thumb: Just checking you had read that far the directions...most posters stop reading after mediation and hearing fee and then realise they have to submit a statement and disclosures when its far to late to prepare.

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

 

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  • 3 months later...

Hello, I have now received a Tomlin Order draft from Lowells, and they have also sent a blurred one page copy of a Credit Agreement that does have my signature on, curiously it has an agreement number on it but not the credit card number, it is difficult nigh impossible to read it.

 

They have also sent a standard default notice copy with no details on, and a copy of a letter for the Notice of Assignment.

 

They say I have 14 days to respond.  Just dont know what to do, can anyone give me some advice.  I dont know if I do nothing that they may continue to take this to court and pay the fee by the 16th July.

Regards

 

xxx

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ignore its a begging letter

give us something before we have to throw the towel in

  • Like 1

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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Difficult to advise as you did not provide much detail in your post #3...mostly " Don't Know ".......you still haven't checked your credit reference files. ?

 

Andy

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

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Not sure what you mean, DX100K  "give us something before we have to throw the towel in" , and what information do you need from the credit reference file Andy?  I dont know what i am looking  for.

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To see if the debt is still showing....we have nothing to go on from your responses post#3.

 

You dont know when you entered into the agreement 

You dont know if you received a default notice.

You dont know if you received a Notice of Assignment

You dont know if its still showing on your credit files.

 

You need to put a little research into this if you wish to successfully defend the claim.

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

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The agreement is from November 2008, will it still show on my credit file?  i thought  the credit files only went back 5 years.  

 

I dont remember a default notice but they say they sent one, i do not have a copy, but that doesent mean i didnt get one back in 4/7/2009 as that is when their records say it was sent. 

 

The same with the Notice of assignment they have sent me a copy saying it was sent 15/12/2016.

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No it wont show if the default was 4/7/09...but now you have provided a bit of information it helps to move  forward.:biggrin:

  • Like 1

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

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Thought so, so are they just trying to get me to pay a nominal amount each month by sending a Tomlin Order, because they will not be willing to pursue this finally through to court, I mean they have probably purchased the debt for 10 or 20p in the pound, so is it worth it for them to pay a barrister etc to take it to court?

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Tomlin Order is cheaper than a hearing fee (subject to the value of the claim) and Counsel costs...go figure :biggrin:

 

Every penny they spend to litigate and enforce it reduces their investment.

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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  • 3 weeks later...

Had a letter from Lowells sols today saying they are Discontinuing the Claim.  They enclose a copy of their Notice of Discontinuance.  This brings their Legal Proceedings to an end.

 

Just like to say thank you to DX100Uk and Andyorch again for their help on this case.

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:biggrin:   Thread title amended to reflect the outcome.

 

Result

 

Andy

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

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  • AndyOrch changed the title to Lowell Claimform - old HBOS Credit card ***Claim Discontinued***

:yo:

 

if you haven't already please consider a donation 

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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