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    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Idem/hoist/lowell (2nd MBNA credit card) debt - lowell refund letter


blondiegirl
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I have received a 'notice of assignment' letter from Hoist.

This debt has been sold to Hoist from Idem who purchased it from MBNA. 

My other MBNA card has lead to legal action from Idem so I was surprised to see this.

What do I do?

Ignore it until Hoist send a claim?

Thanks.

- BlondieGirl

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they must follow the pre action protocol first.

 

I suspect this is simply a large portfolio of debts that's been shifted around as deals are done.

you are also not the only one to report mass debt sale Idem to Hoist. recently.

 

dx

 

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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  • 2 weeks later...

I've now had a letter and an email from Robinson Way trying to arrange a way for me to pay off the debt.

 

I assume this is another DCA (on top of all the others) who will now start to bother me who should be ignored?

 

The MBNA card was taken out in 2005 and for which, I *think* a signed credit agreement exists - could this be a problem?? 

 

I didn't receive a notice of assignment from MBNA to Idem, and MBNA didn't default me, only Idem did when I stopped paying.

Idem2.pdf

- BlondieGirl

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robbersway are another trading name of hoist

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 important thing for you is when was the last payment you made or when you last acknowledged the debt if ever. Even though you say MBNA didn't default you, you must have stopped paying them at some time before they passied the amount on to Idem. Do you know the timings of when you stopped paying MBNA and started paying Idem?

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payments might not in all cases

but written and signed letters.

but then again

we've never seen a case lost solely because one exists and was used.

 

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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Share on other sites

My worry about this account, is that there appears to be a signed credit agreement (attached previously).

With our other 2, there's only the application form.

 

Robinson Way or someone acting on their behalf, are calling daily now so I have blocked them.

- BlondieGirl

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  • dx100uk changed the title to Idem (2nd MBNA credit card) debt sold to HOIST

but its not complete.

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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Share on other sites

is that all they sent as their CCA return?

 

if so ignore until/unless they get cohen's or one of their other desk nearer to the bog to send a letter of claim.

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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Share on other sites

well find it then.

there should have been pages of T&C's with your name/ad on the 1st page and a statement of account.

 

 

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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Share on other sites

In response to the CCA I sent 2 years ago:

 

Idem sent the 2 pages I've uploaded, a page printed out with some addresses on  and codes (internal data not stating much), and 3 pages of 'Terms and Conditions' dated 11/04 by the looks of it as well as a statement from October 2017. 

 

On the top of page of these T&C's:

 

Terms and Conditions

Please refer to your Credit Agreement for conditions 1, 2 and 3

 

which I assume is the page 2 of the uploads which I can't really read. 

- BlondieGirl

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As you know from your other mbna threads debt buyers fake stuff

 

So do the t&c's have your correct name and address for the time of takeout

And the correct date code in the little letters at the bottom for your agreement date?

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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Share on other sites

then blank rubbish from their filing cabinet not a copy of what was issued to YOU at the time

 

  • Thanks 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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Share on other sites

  • 3 years later...

Hi all,

out of the blue, I have received a cheque from Lowell for £22 "in respect of an overpayment on this account".

£900 is showing as owed to Lowell, from idem which I think originated from MBNA.

I haven't paid them in maybe 2 years and they defaulted me 5 years ago, despite the fact that I defaulted the actual agreement with MBNA many years ago.

I am reluctant to call and ask in case any changes are made to my credit file - I desperately need the default to go and have about 12 months left.

Does anyone have any experience of this? Thanks.

- BlondieGirl

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cant change when the default and the whole account drops off on the defaults 6th b'day.

 

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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Share on other sites

  • dx100uk changed the title to Idem/hoist/lowell (2nd MBNA credit card) debt - lowell refund letter

old and new threads merged.

a dca cannot issue a default notice.

if mbna defaulted you years ago and say via an sar to mbna you could get a copy of their DN then lowells can be amde to correct the cra file Default date.

dx

 

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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Share on other sites

A dca may not be allowed to to issue a default notice, but they do, or at least they change status on a credit file.

MBNA didn't ever issue a DN otherwise it wouldn't be showing on my file (the debt started about 10+ years ago). I was on a payment plan with MBNA years ago with the debt getting sold to a dca. The dca changed my credit file to dn 5 years ago. 

The debt has been passed from one dca to another it's hard to see who's done what.   

- BlondieGirl

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