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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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anniebattlemum

VCS ANPR 2015 PCN claimform - Berkeley Centre

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I see yes, so the defence should not mention anything that confirms the driver was actually there. 

 

Can anyone please direct me to the standard brief defence that is recommended?

 

I have been searching through the forum and have seen lots of instructions about the procedure but not the content of the standard defence.

 

Thanks.

 

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just type no need to keep hitting quote

 

use the google custom search box on the left after hitting our top cag squares logo.

 

PCN Claimform

 

dx

 

 

 


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Actually I never hit quote and I keep trying to avoid it but it just keeps coming up automatically.

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ok thanks

 

worked ok above

 

 


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I have read various brief defences and think it's time to prepare something and run it by you.

 

Am I right in thinking that:

a) It should not be submitted in advance as then the claimant will see it and have the benefit of adjusting his claim

 

b) It should be sent by email direct to the County Court Business Centre as close as possible to the final day - is that because of security, reliability of delivery or some other reason?

 

At what point does the Witness Statement come into play?

I have read "at the time of disclosure" - is that in court?

 

After the brief defence you recommend, suggesting there is no contract and therefore no breach has occurred,

does anything further happen before the actual appearance in court?

 

I have taken further steps to get land owner information from the Land Registry office,

but I'm not sure what I can do with that information,

 

unless I write to them and ask them to confirm they have given VCS the right to make charges.

 

Would that be a waste of time?

 

Thanks once again for all your helpful guidance.

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37 minutes ago, anniebattlemum said:

I have read various brief defences and think it's time to prepare something and run it by you.

 

Am I right in thinking that:

a) It should not be submitted in advance as then the claimant will see it and have the benefit of adjusting his claim- they cant adjust their claim 

 

b) It should be sent by email direct to the County Court Business Centre as close as possible to the final day - is that because of security, reliability of delivery or some other reason? no you file it via the MCOL website as you did AOS. that's what its there for!

 

At what point does the Witness Statement come into play?

I have read "at the time of disclosure" - is that in court? no. at the disclosers stage after both parties file their direction questionnaire's [N180] and then to court will allocate the claim a time/date [N157] - witness statement inc Exhibits must be exchanged by 14 days prior to the allocated hearing date.

 

After the brief defence you recommend, suggesting there is no contract and therefore no breach has occurred,

does anything further happen before the actual appearance in court? as above.

 

I have taken further steps to get land owner information from the Land Registry office,

but I'm not sure what I can do with that information,

unless I write to them and ask them to confirm they have given VCS the right to make charges.

Would that be a waste of time? - 

 

Thanks once again for all your helpful guidance.

 

what further steps?


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In response to your question, I have a copy of the title deeds showing ownership and also the leases.

No idea what to do with that info though!

 

I should be most grateful if you would review the attached brief draft defence on page 1.

The page 2 thoughts are a work in progress.

 

The POFA point is weak in my opinion, but having read a lot of analysis of the requirements, I haven't managed to come up with anything beefy.

 

I should be grateful for any ideas on that, as it seems like a failure to follow procedure would be a strong defence.

 

Also it asks for the driver's details on the PCN and then the claim states the Defendant was the registered keeper and/or driver, but I don't really understand whether there's a point of defence there. 

 

DRAFT DEFENCE

 

1)      The claimant has failed to prove that VCS had a contract with the landowner (The West London Property Corporation Ltd.) in August 2015, and therefore failed to show either a legitimate interest in controlling parking at the Berkeley Precinct, or the authorisation to make charges on their own behalf, for any overstay in the carpark, including for first-time offenders (relevant to Tesco lease). (no response to CPR 31.14 request delivered and signed for at 10.32a.m. on 9th July)

 

2)      The claimant has failed to prove that VCS obtained a planning permit from the Sheffield Planning Department under the Town and Country Planning Act 2007 (also requested in my CPR 31.14 letter) and that there were prominent signs in existence at that time, showing clearly the terms and conditions for parking and the charge payable for any breach. Therefore, the three elements of offer, acceptance and consideration required for a contract were not met, and no contract existed.

 

3)      The claimant failed to issue the PCN in the timescale required under the Protection of Freedoms Act 2012 for keeper liability and, allowing for the 2 day delivery time afforded to Royal Mail, it arrived a day later than the 14 day deadline. The parking company has not met the keeper liability requirements and therefore keeper liability does not apply. The parking company can therefore only pursue the driver. As the keeper of the vehicle, I decline, as is my right, to provide the name of the driver(s) at the time. As the parking company have neither named the driver(s) nor provided any evidence as to who the driver(s) were, I submit I am not liable to any charge.

 

 

 

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Must satisfy POFA if they want to ground Keeper Liability, so no Keeper liability, their RoboClaims always try to sue both as if they can jointly and severally, but the Courts should be looking at the was Driver or Keeper and chuck the claim out for being vague, but they don't  They might if POFA fails and they know they are onto a loser, might have a last gasp and try to rely on Elliott v Loake a criminal case so not applicable to a Civil claim, and CPS v AJH Films, again not applicable as is about employer/employee, they will do this to try to get someone to cough up before a case they know they are going to lose to salvage what they have already paid ou to go to court.  I would delete the  line

 

As the keeper of the vehicle, I decline as is my right to name the driver (s) at this time" 

That is an oblique reference to the duty to name driver in a Criminal case, and is the Elloitt v Loake scenario.

 

Others will have better ideas, but lloking decent.


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Thanks for that.

I will delete that reference.

 

It looks as though I could still do with a more robust POFA defence in terms of keeper liability, so I will revisit Section 4 asap.

 

Any further ideas on that would be greatly appreciated.

 

Sorry the quote line came up again!!

 

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on point 3 I would be careful mentioning yourself at all, just stick to the POFA bit about VCS not having created a keeper liability unless you are going to deny being the driver at the time.

 

where you say they have failed to respond to a CPR 31.14 you can state that you therefore believe they do not have the necessary contract/permission etc but no need to repeat the fact they didnt respond or waht time they get it as they are not actually obliged to respond ( though it can damage their claimby not doing so), put that in once and when you get to the next point just say

 

ALSO

same goes for the 12+2 days, no need to mention Royal mail as no-one is forced to use the post, they copuld employ a process server so you are adding unnecessary text

 

Just makes it easier to read and get the points across

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Many thanks for those helpful comments.

 

I have done a revised draft - not sure that Point 2 re signage is expressed very well.

 

Still looking for more ammo on POFA Section 4.

 

Does this look a bit tidier? 

 

DRAFT DEFENCE

1)      The claimant has failed to prove that VCS had a contract with the landowner (The West London Property Corporation Ltd.) in August 2015, and therefore failed to show either a legitimate interest in controlling parking at the Berkeley Precinct, or the authorisation to make charges on their own behalf, for any overstay in the carpark. Since no response was received to my CPR 31.14 request, I believe the parking company did not therefore have the necessary contract or permission to impose charges on drivers.

 

2)       I also requested evidence that the parking company had obtained planning permission from the Sheffield Planning Department under the Town and Country Planning Act 2007, to provide prominent signs to show clearly the terms and conditions for parking and the charge payable for any breach. In the absence of a response, I believe these conditions were not in place at the time, and therefore the three elements of offer, acceptance and consideration were not met and therefore no contract exists with the driver.

 

3)      The claimant failed to issue the PCN in the timescale required under the Protection       of Freedoms Act 2012 and therefore the parking company has not met keeper liability requirements. The claimant states that the Defendant was either the registered keeper and/or the driver, but has neither named the driver(s) nor provided any evidence as to who the driver(s) was/were. Since keeper liability does not apply, I submit that I am not liable to any charge.

 

I therefore respectfully request that the court withdraw this claim.

 

 

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you are only making bullet point to show thatyou have a reaosn for not paying/defending the claim.

All of the detail is for later

so to that end drop any personal reference s like I did this or that and just stae the facts liek "at the time they had no planning permission for their signage and it is not possible to enter into a criminal compact

 

 for point 3 you dont ask the court to do anything, they cant at this stage. Now here would be a good place to deny being the driver at the time unless you have already identified yourself as such

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'It looks as though all I need to say at this time is:

 

1) The claimant had no contract with the the landowner to authorise charges for overstaying in the car park.

 

2) At the time, VCS had no planning permission to erect signage and it was therefore not possible for the parking company to enter into a contract regarding terms and conditions for parking. 

 

3) I was not the driver at the time and, since VCS has not met the conditions for keeper liability under the Protection of Freedoms Act, I submit I am not liable for any charge.

 

If you think this is OK,

we might as well get it off and focus on preparing the evidence for the N 180.

 

However, I don't know whether the claimant had a contract or not with the landowner, so I'm not sure I should assert that they haven't?

 

Also I see that for membership of IPS, you have to satisfy the first 2 points above

- contract with landowner & planning permission, so they surely must have had those documents?

 

They couldn't just rock up and take over someone's space and turn it into a car park, so is point 1 above OK?

 

I was unable to find any planning application so I'm OK with Number 2.

 

Many thanks again.

 

Sorry, I meant the IPC terms for membership.

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you don't exchange anything at n180 time

and even so ...you don't agree to mediation either.

 

 


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You are better to say that you do not believe they have planning permission and that covers you if it is revealed that they do have PP.

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Many thanks for all your helpful comments.

 

This is the revised initial defence which I propose to submit tonight or tomorrow.

I have cut out all the detail for the next stage and would be grateful if you would just confirm this looks OK for now.

 

REVISED DRAFT DEFENCE

 

1)      I believe that, in August 2015, the claimant did not have the necessary contract with the landowner (The West London Property Corporation Ltd.) authorising them to charge on their own behalf, for any overstay in the Berkeley Precinct carpark.

 

2)       I also believe that, at the time, the parking company did not have planning permission from the Sheffield Planning Department under the Town and Country Planning Act 2007, for their signage at the Berkeley Precinct, and it was therefore not possible for VCS to enter into a contract regarding terms and conditions for parking.

 

3)      I was not the driver on the date in question and the claimant failed to meet the conditions required under the Protection of Freedoms Act 2012 for keeper liability. The claimant states that the Defendant was either the registered keeper and/or the driver, but has neither named the driver(s) nor provided any evidence as to who the driver(s) was/were. Since keeper liability does not apply, I submit that I am not therefore liable to any charge.

 

 

 

 

 

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never use word

it has all your pers details under file properties

just copy the text to a post here

as I've done with you word file above

then we can view/copy/edit it.

 

dx

 


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 Oh dear I didn't know that about Word - thanks for the tip.

 

I would be grateful for any other comments re the text.

 

Thanks for getting me to this point.

I now have a huge amount of info to plough thru to prepare for the next stage.

 

Is there any guidance as to what happens next and how long that takes, or will that be made clear once the basic defence has been submitted?

 

I haven't been able to find a clear explanation of the procedure anywhere. 

 

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defence due by Friday 4pm.

 

 


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Thank you so much for the reminder - you're really on the ball!

 

I was just reading the detail of a similar case v. VCS in 2018 which the defendant sadly lost.

One thing that shouted at me was that the judge would not allow the defendant to raise any points in court that were not included in his original brief defence.

 

This possibility has concerned me and I wonder now whether I should at least include references to those additional points in this brief defence, or just pray we get a more amenable judge!

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our std 2 or 3 lines covers all you ever need too or intimates to it.

let Eric check yours above over before you file it.


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OK if you would lease Eric. I have lots of other points re grace period, cameras and data, fairness, harassment etc. but if you think thery're adequately related to the points in the brief version, I'll leave it at that. Thanks.

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less is moe at this stage, gives the PPC no wriggle room after they stick in a RoboClaim WS.


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Can your daughter remember by any chance which company was running the car park in 2015?

 

I know it's unlikely after four years but I see there are two other threads concerning the Berkeley Centre where the car park signs show Excel as running the car park yet it is VCS who threaten court action.  One thread mentions the signs being changed in 2018/19 but it does beg the question if VCS were making the same mistake in 2015. 

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Unfortunately she has no idea.

 

However, if you look at BW Legal's letter dated 5 April 2016, the second para states

"Excel now requires full payment of the Balance...…………."

 

I was going to use this as an example of confusing, worrying and harassing the defendant, as my daughter would have had no clue who was demanding money from her!

 

It is therefore quite possible that the signage was out of order in 2015 and probably not visible and most likely illegal, but we don't have any physical evidence of photos from that time.

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