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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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You need to calm down for starters ..you dont have 2 weeks to pay the claim.....you have 33 days to deal with the claim and defend it.

 

Thread moved to Financial Legal Issues forum.....please continue to post here to your thread.

 

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Thread title amended, please read the following link and then copy and paste the Qs and your responses back here for further advice on the process.

 

  

 

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Hes not got one yet......and yes you have received a PAP

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They have issued the claim now and paid the relevant fee so I doubt they will withdraw the claim...but its your call..defending a claim is not for everyone...but I say this without any knowledge of the debt as I have not read your thread.

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  • 3 weeks later...

I was wondering what  DF meant also  :wink: 

 

Andy

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DN = Default Notice or DM = Default Marker...never heard of DF...but nevermind :wink:

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2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol

) but failed to serve a letter of claim(s) for the alleged agreement pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the Court take this into consideration pursuant to 7.1 PAPDC

 

I thought they had you stated yes in your initial response ?

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Or you could adjust it to include that the claimant did not respond within the given 30 days and proceeded to issue the claim irrespective ?

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If you read the relevant thread on pre action protocol......

 

Disclosure

 

If in the debtor requests disclosure of a specific document or information in his reply, the creditor must provide that document/information within 30 days of receipt of the response or provide an explanation as to why it isn’t available.

 

So I take it they failed to comply with your request or any of the the above procedure.

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Okay a few tweaks and additions.....it was a bit all over the place . repetitive and the particulars para numbers not following in sequence....now it flows.

 

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They will argue blue murder that they can issue a default notice if the OC has not...as they are now the legal owner/creditor.This is where it gets murky if you read section 87 (1) of the CCA1974 it states...

 

Need for default notice.

(1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,—

(a)to terminate the agreement, or

(b)to demand earlier payment of any sum, or

(c)to recover possession of any goods or land, or

(d)to treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or

(e)to enforce any security.

 

You me and everyone knows the agreement had ended before the debt was assigned...MBNA had taken the facility away and you were not allowed to use the card apart from making payments to it from yourself...so in effect it was terminated......but how can they terminate it without issuing a default notice...well IDEM didn't take over and offer to resume the facility nor was you allowed to carry on using it...it was a bad debt...thats why it was assigned.MBNA simply forget to issue the DN...but for all intents and purposes it had been terminated ...even if not officially.

 

And this is were the Judges lottery steps in......lets hope you get a decent one.

 

 

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45 minutes ago, blondiegirl said:

OK, thank you very much for that.  I will literally keep everything crossed once I upload this tomorrow.

 

So far, the advice here has been that Idem cannot legally issue a DF notice so I truly hope a CCJ isn't the outcome as I've always wanted to avoid it. It seems grossly unfair that it can be a lottery if it's against the law and there's evidence to support this.

 

Thanks for your help; it's really appreciated.

 

Well thats what the Consumer Credit Act states...so they can .......but in the same sentence....and this is the murky part.... 

 

(1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”)is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,—

 

Well you have not breached the agreement since the assignment...because you have not had use of the facility since assignment . you did breach it before assignment when MBNA had it .....but they failed to issue the DN.....now if the Assignee wishes to issue a default notice some years later that does not allow you to correct the breach because time has passed the facility has been withdrawn and therefore you then argue under Unfair Relationship section 140a of the CCA 1974...1 a/b/ or c take your pick.

 

https://www.legislation.gov.uk/ukpga/1974/39/part/IX/crossheading/unfair-relationships

 

 

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Not sure I follow...another chance ?  The court does not look at a defence until you get to your hearing.

 

If you were on reduced payments with MBNA or a payment plan...you had defaulted.....broken the agreement...you didn't maintain the minimum payments.

 

Not sure what a LOA is ?  Is that the same as a DF ?:becky:   Where do you get these acronyms from ?

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Sorry, I assumed that someone somewhere will look at this once the defence is in on the moneyclaim site, Yes the claimant...MCOL send a copy to them. because I read in this thread where 2 other caggers didn't need to go to court following their defence submission. Thats because the claimant didnt respond and claim was stayed

This may be a slim chance, but that's what I'm hoping for.

 

Does someone from idem actually go to court? Yes ..a Paralegal or rent a Soliciitor

Do we need a solicitor? No

Do most cases go to court? Depends if the claimant responds to the defence and they dont discontinue before the hearing date.

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Yes normal part of the process...Allocation.

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Use ours and complete on screen ....looks far more professional...print 3 copies.

 

 

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Just now, blondiegirl said:

Do Idem see the form with contact details on? I'd rather not put a mobile/email address if that's the case.

Your sending it to their solicitor not the claimant

5 minutes ago, blondiegirl said:

Great, thanks Andy. I'll get on that.

As I will need to go too, presumably I put 2 witnesses??

 

Why 2 ?

 

Andy

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No 1 witness the defendant...irrelevant whether your attending or not.

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Post office receipt of postage will suffice.

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  • 2 weeks later...

Claimant is entitled to request this within their DQ but only on the N181 Fast Track...not the N180...but it wont be for mediation purposes normally its down to give them time to get their act together....so a good sign for you and bad for the claimant for not complying with the the courts preferred method of ADR.

The stay would only be allowed at the courts discretion.

 

Andy 

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  • 3 weeks later...

They cant ask for more time in Small Claims Track...hence nothing on the MCOL status dashboard.Once a DQ has been filed the claimant has no say on what happens next and by what date...the court sets the timetable.

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Sound right for IDEM.....the only way to stay a SCT claim without having to make a further application to lift the stay is to make an application and attach it to the DQ requesting a months stay.....with fee £100..so rather pointless and contradictory  

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Depends  and varies by County Court. ...nothing moves fast in litigation.

 

 

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  • 3 months later...

Can we also have a good scan of this alleged agreement  ?

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