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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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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.

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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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VCS spycar? PCN Claimform- No Stopping - Bristol Airport*** Claim Dismissed***


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The airport has its own Byelaws.

The land is not covered by the Protection of Freedoms Regs so as long as you do not identify who the driver was, they cannot take you to Court as the keeper though they will threaten you into believing that they can.

 

Just ignore them altogether.

You will receive letters from unregulated debt collectors steadily escalating the so called debt.

Eventually they realise that as they have not heard from you, they start playing mister nice guy and offer you a much reduced price.

 

That would be considerate if you actually owed them any money but as you  don't it is still daylight robbery.

 

If you read other threads on here about stopping in airports  [they are all governed by Byelaws] you will see what a bunch of crooks you are dealing with.

 

Sometimes they may decide to stupidly send you a  Letter before Action

-do not ignore that but come back and we will advise you to send a snotty letter to send them on their way.

 

Just keep all their letters and scary on with your life forgetting all about VCS.

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  • dx100uk changed the title to VCS ANPR PCN Claimform- No Stopping - Bristol Airport - should I appeal?

Well they will have to show a copy of your PCN when they send you their WS but it would be better retaining documents that may be required in a trial.

 

The airport is covered by the Airports Act so PoFA does not apply as the land is not relevant land as described by PoFA.

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  • dx100uk changed the title to VCS spycar? PCN Claimform- No Stopping - Bristol Airport
  • 3 months later...

Could you please post up the other papers you recieved with their WS. The contract, your PCN which sounds as if it failed to comply with PoFA, and the signage they are using as well as a map of the area where they said you breached their T&Cs.  Quite often their case gets thrown out because of the details  they provided.

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WWW.BRISTOLAIRPORT.CO.UK

Bristol Airport is owned by Ontario Teachers’ Pension Plan (Teachers’).

Interesting that Bristol airport is  owned by a company in Ontario. It should be them who make the arrangement with VCS not Bristol Airport as stated on the contract. The only way round it is that there is some sort of confirmation from Ontarion that Bristol Airport is able to sign on their behalf. Otherwise there is no contract between the land owner and the motorist.

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Thanks for posting up the other items included with their WS. If we start with theri WS we can look at what a mess it is. If we use the numbers that they have on their WS and take it from there.

 

Point 4] here they are trying to point out that they are an outstanding upright company when nothing could be further from the truth. Time and again they take people to Court when it was their sister company who actually  ran the car park. So time and time again they lose but it still doesn't seem to stop them trying again. 

 

8] No Stopping cannot form a contract as it is a  prohibitive sign. Yet time and again they take people to court and time and time again they lose because their sign is not capable of forming a contract with motorists. Nevertheless from point 8 to point 16 they continue the charade that no stopping is a contract hoping to a] scare the motorist into paying and b] hoping to misdirect the Court.

 

17] their NTK is not PoFA compliant [ their wording does not comply with s9 [2] [f] which it MUST if they want to transfer driver liability to the keeper ]  and which they acknowledged at the start of this point but then try and mislead the court again the court by saying they they are assuming the keeper is the driver [the keeper was NOT driving] and then carrying on to state that if the keeper is not the driver then they are relying on PoFA! They cannot rely on it which they have already admitted.

 

18] is just gobbledegook. VCS has lost the ability to pursue the keeper because their NTK is not compliant.

 

22 and 23] no matter how often they say it, No Stopping does not offer a contract and in any event that are supposed to run car parks not roads that are either covered by the Road Traffic or Bye Laws which are present at the airport.

 

24] Just because Parking Eye had a proper contract in a car park with the motorist does not mean that VCS have a contract on a road. Totally absurd.

 

25] we are now in the reals of make believe. The whole point of a contract is that it does include an offer an acceptance and a consideration. There was no mutual promise because there was no offer and no consideration. The sign is prohibitive so there can be no offer.

 

{there are many items on the Forum about debunking their £60 fee and of course it falls foul of the Consumer Rights Act 2015  where they have to state the amount being charged on their signage  so it is unfair that they don't. In any event PoFA doesn't allow it especially when neither the driver is known nor the keeper is liable.

 

I think it fair to say that after a WS like that Ambreen will not be appearing in court as there are too many difficult questions that would be asked.

 

28 ,29  30.] The IPC COP is there own concoction which has no bearing in a court of Law.

 

Moving on to the contract.

 

The first thing to say is that Bristol airport Ltd is not the land owner as I posted on your thread a couple of days ago. They are just tenants. On top of that their contract is invalid. It should either be signed by two directors from each company or be signed by on director each and be witnessed by two other independent people.

 

See Law of Property Act [miscellaneous provisions ]  1989 section 1 [3]

 

 

Edited by dx100uk
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That is a very good WS. I always have taken the view that in addition to pointing the flaws in the crook's WS is to ram home where they are misleading or trying to mislead the Court and also downright lying. My feeling is that then the crooks would rather not go to Court at all when their more outrageous statements  are brought to light and discontinue or don't turn up in Court.

As it is your WS is probably too late to hammer  VCS too much now. However in court you are depending on the Judge lottery so you do need to get as many strings to your bow as possible. So while it may be too much to amend your WS wholesale, I think that you should include the fact that both of their Notice to keepers are non compliant.If the Judge accepts that, you don't need to convince the Judge about no stopping being unable to form a contract. Or the contract itself is invalid and signed by the wrong company. 

And of course it follows on that if the PCN is non compliant it means that there can be no transfer of liability on the keeper as you were not the driver.

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I am sorry I missed this on your first draft but reading it again on the new draft it occurs to me that you are using "I" rather than the "defendant". Nor would I say that I was with the driver in the car.

 

All you have to say is

that the driver, [you have already avered that you were not the driver] arrived at the airport and the person being picked up said that they had seen the car and was only a short distance away.

 

The driver found a place nearby, off the road so as not to cause disruption to other road users, and picked up their passenger and left within a couple of minutes. 

 

You can then go on to say their was  no contract etc etc . It is not necessary to identify who the passenger was all you are doing is admitting that the driver ignored the No stopping sign which was the important part of the action. Then you rubbish their whole scheme as you have done.

Edited by dx100uk
added A few blank lines only..dx
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  • 2 months later...
  • AndyOrch changed the title to VCS spycar? PCN Claimform- No Stopping - Bristol Airport*** Claim Dismissed***

I am pleased that you won and beat those scammy *****s.

 

You were probably right when you decided to omit your father's illness in your WS especially given VCS were involved.

 

However to all new members on a No Stopping claim should now include an illness reason  as it will apply under the new CoP coming out later this year.

 

e) a vehicle that has been driven onto controlled land due to an emergency which could not be avoided due to the exceptional nature of an incident outside of the control of the driver, e.g. illness or vehicle breakdown;

 

I realise that it is not in force yet but any reputable parking company having read the new Practice would be bringing the new regulations into their practices now. And of course when pointed out to a Judge it would certainly provide guidance for them when there may be conflicting results from past cases. And for those companies who are blithely ignoring the new Guidance, it gives you a chance to give them a kicking by pointing out that they are the rogues that the Government are trying to remove if they don't modify their behaviour.

 

And for any member it is well worth a read if you have an upcoming Court case since they have quite a number of changes to be introduced. Few if any will be to the liking of  of rogues like VCS.

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