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    • Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.
    • I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters? But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf
    • OK, I will do now. I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing. Armtrak Defence documents_compressed.pdf
    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
    • Thank you all so much for taking the time to comment and help, I really do appreciate it.   Just to elaborate a bit more on the background, just because my lack of knowledge of the process might mean I've actually done things along the way that I did not know what they were and so hadn't mention it.    When they decided to go to court, I was offered mediation, which I took. I offered to pay the reduced rate, just to make it go away, but insisted it was not an admission of guilt, it was a goodwill gesture to save us all the effort of court. They refused and wanted £250.    A court date was set, but in Leeds, then a couple weeks later I received another letter saying it had been moved to London.   I was not aware I had any say in which court it would be held at, but I now understand i have good reason to request it is moved to a local one to me, which is also local to the offending place, I will call the court tomorrow and explain that. But so far I have only been told what is happening, I've not been given the choice for anything.   They seem to be going down the route of a contract breach, not trespass which is interesting. There is a document in the evidence which has the agreement between themselves which I assumed meant they can pursue me.    I am going to visit the site again shortly, at midnight the time of the offence and take pictures to build a case file of the route I took to enter the car park, how it is in the hotel grounds and no signs can be seen.    Am I right in saying, the fact they do not actually have any pictures of my car in the location they say it was in, just because all of the pictures they have were at 12/30am and it was pitch black, I am going to say my car was parked correctly in the hotel side, not on their land and it is then up to them to prove otherwise, which they are not able to do, because the burden of proof lies with the claimant I think?
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Neeta

Idem PAP LOC now claimform - 1995 MBNA Card debt

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bar the 2 pages in the last attachment

we've not seen the other doc returns you refer too.

 

 

 


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Apologies

 

Notices received from IDEM after I sent the response to the PAP LOC.

 

Debt originally sold from MBNA to Moorgate and then onto IDEM so several letters relate.

 

And the default notice dated back in 2014 after we had asked to reduce payments due to a change in circumstances which they wouldn't accept.

 

They also sent a full statement of payments since it was originally sold by MBNA (not sure if you want me to post that it's rather a large document

 

Moorgate = Britannia sorry for the confusion

 

I just noticed something I had previously missed and I'm not sure how relevant it is.

 

The Default Notice has an IDEM header  and looking at the statements they didn't buy the debt until November 2016.

 

I'm attaching the statements.

 

 

 IDEM didn't buy the debt until Nov 16 and the default was May 14

 

idem account statements.pdf idem docs1.pdf IDEM_CCA_Response_(1).pdf

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your debt was sold to the brits by MBNA and managed by Moorgate dca

Idem purchased the brits company so they thus became the owner.

sadly that's what happens with cash cow accounts.

.here you have some ...this mug has been paying nicely since 2016

 

the statements are on idem/moorgate letter head and are thus not a true copy from the OC.

the agreement is not one - its an application form. bogroll

the DN is not from the original creditor and after idem sale so is bogroll - a debt buyer can't issue a default notice.

 

they must think you were born yesterday.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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