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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Parking Perri

One Parking ANPR PCN - Llangrannog P&D Car Park

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Good morning all, looking for a bit of advise please.

 

I received a Parking Charge Notice this morning and was wondering the best course of action.

 

Their camera shows me entering the P&D Car Park at 1:50pm and leaving at 2:03pm.  I was waiting to pick someone up and didn't stop in a bay but simply sat in my car with the engine idling.

 

As I didn't leave my vehicle, I don't class this as parking and as such, was wondering what action I should take now.

 

Creditor is One Parking Solutions.

 

Many thanks

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Hello and welcome to CAG.

 

Could you give us the information requested in the forum sticky please? This will help us to advise you.

 

HB

Best


Illegitimi non carborundum

 

 

 

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Thank you Honeybee.  Please see below:

 

1 Date of the infringement 07-Sep-19

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 13-Sep-19

 

3 Date received 17-Sep-19

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes

 

5 Is there any photographic evidence of the event?  Photo of my car entering / exiting car park

 

6 Have you appealed? [Y/N?] post up your appeal]  No

 

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

 

7 Who is the parking company?  One Parking Solutions Ltd

 

8. Where exactly [carpark name and town]  Llangrannog P&D Car Park

 

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

 

If you have received any other correspondence, please mention it here  None

 

Many thanks

 

 

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so 13 mins

 

there is a minimum 10 mins to read signs etc ....no max 

might be an avenue.


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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how is the land identified on the NTK they sent to you and where exactly is it? street name, postcode etc so we can look at it for ourselves and also try and determine if they have properly identified the land they manage.

Also are there any other parking areas in the vicinity, whether marked as such or not, council or privately owned.

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