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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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CEL MNPR PCN - no permit - appealed - The Albert Social Club, Albert Stress, Fleet, Hampshire


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Hi all, 

I’m brand new here and someone on another forum instructed me to come here for advice. 

I lost my job due to Covid and have been trying to make ends meat by doing a delivery job. Unfortunately in my first week of doing it, I parked somewhere I shouldn’t have. 

I just got a letter in the post saying I have a £100 parking charge that’s reduced to £60 if I pay within 14 days. 

I parked in the car park at a social club for about about 15 mins not realising I couldn’t park there. I’m 99% sure it’s a council car park (says PCN).

It says at the bottom that failure to pay the amount due within 28 days of issue may result in Civil Enforcement LTD (the creditor) forwarding my account to a debt recovery agency and I may incur additional costs. 

As I say, I didn’t realise I couldn’t park there. If I didn’t pay it, are they “empty threats” or would they pursue this and I get charged more and have a debt agency come round?

I really don’t want to pay it if I don’t have to as I don’t have any money as it is.

But at the same time I don’t want the price to go up and I pay more as well as it affecting my credit. 

I’d love it if people could help.

Let me know what other info you need and I am happy to provide it.

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A few things first.  Civil Enforcement Ltd are a private company so this means it isn't a fine, as a private company doesn't have the power to fine anyone, it's an invoice. 

The con artists call their bits of paper a Parking Charge Notice which is completely different from a council Penalty Charge Notice, yet both have the same abbreviation, wonder why? 😉  It'll be the social club's car park.

Debt collection agencies are just paper tigers who can't do anything as it's not their debt, so I wouldn't be worried about them becoming involved.  I've never heard of one "coming round".

Similarly your credit could only be affected if you were taken to court, lost the court case, and then defied the court by not paying within the 30 days given.  So something else to not worry about. 

Can you read our upload guide and put up the letter you got (suitably redacted)?  It would be very useful to see what they've reckoned you've done wrong and how we can fight it.

Plus, will your work take you to the area in the near future?  Photos of CEL's signage would be good to have.

Can you also fill in the forum sticky please?  It'll help us to see if CEL have been bothered to follow the law.

 

We could do with some help from you.

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Yes, please redact the PCN number, reg no, your details, etc.  Best to keep the fleecers guessing.

 

We have loads of CEL threads on the forum and they have been seen off many, many times.

We could do with some help from you.

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I've converted the images to PDF so only registered Caggers can see them - as I say, best to keep the fleecers guessing.

 

Excellent news!  "Permit Holders Only" means that you could never, in no case, have been allowed to park there.  In law that's a Prohibition.  It makes you a trespasser, and only the landowner (not CEL) can sue you for trespass, which is unlikely as your vehicle did about £0.01 damage to the tarmac.

 

Don't expect CEL to see it that way though, they've got their hands on your address from the DVLA and will destroy half the Amazon in the coming months with standard letters which are supposed to be threatening, demanding payment.  These will all be "empty threats" to use your phrase. 

 

 

We could do with some help from you.

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Thanks you think I shouldn't pay it?

What's the next step?

I assume I'm going to get more letters coming through my letter box that I'll continue to post on here but likely to just ignore?

 

Should I also fill in that form you sent me?

If so should I be filling it out from where it says

"For PCN's received through the post [ANPR camera capture"? 

You did say it's a different sort of Parking Notice so I'm not sure if I still need to fill that in?

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The thing to remember is that CEL (and similar companies) don't give a damn about the law.  Their whole vile business model is based on threatening motorists into coughing up money they don't owe.

 

So yes, don't pay, and ignore their letters which will indeed pretend the amount has somehow increased even though they have no right to add extra amounts.

 

After their initial wave of tripe they may give up, or they might send a Letter Before Action on a fishing exercise - that is the time to give them both barrels and make it quite clear they would get a good kicking if they did court.  But that is months away yet.

 

Yes, please fill in the ANPR capture sticky.  This will  let us see if they've followed the law regarding timescales of sending the NTK out.  It may also be that the car park is already known to the forum.

 

Anything else you can do to undermine CEL's case is always useful.  Photos of the car park signs if you go near there.   Sussing out from the council if CEL have planning permission for the signs (they won't have).  Etc.

 

 

We could do with some help from you.

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Ok thanks.

Am I able to private message you?

Currently I haven't written enough messages to be able to do that but there's something I wanted to ask in private.

 

Also it's a very small car park (about 15 car park bays maybe?) in a very quiet area

I highly doubt anyone's had the same issues in that car park since there's so little traffic and cars that park there but happy to write it.

 

I'm just wary over the fact that it might be easy to work out who I am from the date/time of parking and the car park it happened in? Based on this, is it ok to say the name of the car park? 

 

All of the information I have is on that letter I uploaded so when I fill in the form, I'll just be taking the info from that letter anyway.

 

Lastly, is it worth me speaking to the community club and say I'm very sorry for the car in my name being parked there (not mentioning I drove it). I can they say it was night and the driver couldn't see any signs about not being allowed to park there.

 

Then I can politely ask if they could let the designated driver off this time and in future when they see the car driving around doing deliveries (that is a popular road for deliveries), the driver will make sure not to park at the community club. Is that worth a go? Would the community club have the means and power to "cancel" my parking charge?

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Yes could you please complete the questions.

There may be other mistakes on the PCN that will lessen their chances of getting any money from you.

 

On another matter, was your stop at the Social club anything to do with your job -like doing a delivery etc?

 

Yes you will get more letters from them and unregulated debt collectors and their dodgy alleged debt will increase.

 

A few months later when they have heard nothing from you they then start playing MR Nice Guy and offer you a price reduction. That would be good of them were it not for the point that you don't owe them any money.

 

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Yes I stopped at the social club because I had 2 deliveries on that road.

I decided parking in one of the bays there was easier than on the road.

 

Once parked there I went to the first house to deliver (took a while to find so my car ended up sitting in the car park for maybe 10-15 mins) and then onto the next house to deliver.

 

I've done some research on Civil Enforcement Ltd online and it does seem they go all the way and take people to court.

 

Honestly, should I just pay up?

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To answer your questions.

Yes, the social club do have the power to call CEL off. 

Whether they will as you weren't a genuine customer, who knows.

If you fill in the sticky we will see the dates that CEL sent their demand out. 

These are important for them to create keeper liability or not (remember they don't know who was driving the vehicle). 

I'm happy to help if PM is strictly necessary but the forum policy is for advice to be publicly available, as it could help other motorists in the same car park in future.

do you think the signs weren't illuminated? 

Yet another reason for CEL's demand being pants. 

How the hell could you enter a contract with them by reading their signs if they were in the pitch black?!!!

Yes, CEL do take people to court. 

And they regularly get a good hiding in court (plenty of examples on our PPC Successes thread at the top of the page, and on the Parking Prankster's blog). 

That is why the forum strategy is to ignore all their initial hogwash (so they don't think you're a mug who takes their crooked appeals procedure seriously and will cough up). 

Then if they send an LBA the strategy is to give them both barrels (again to show you're not a mug who doesn't know the law or might ignore court papers, and they will be left severely out of pocket if they did court). 

The strategy generally succeeds. 

They don't like motorists who are trouble. 

But of course there are no guarantees. 

Up to you if you're up for the fight. 

Yes, you could pay £60 that you don't owe and have an easy life. 

Or you could pay £0 (which is what you do owe), have to put a bit of work in, but have the satisfaction of seeing off these crooks. 

But as I say, up to you.  

We could do with some help from you.

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1 Date of the infringement 27th September 2020

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Firstly I'm not sure if the letter I received is an NTK as it doesn't explicitly say "Notice To Keeper" anywhere. It says "Issue Date" 1st October 2020 although I only received the letter today (5th October 2020).

3 Date received 5th October 2020

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N9

5 Is there any photographic evidence of the event? No

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

Have you had a response? [Y/N?] post it up No

7 Who is the parking company? Civil Enforcement LTD

8. Where exactly [carpark name and town] The Albert Social Club, Albert Stress, Fleet, Hampshire

For either option, does it say which appeals body they operate under. cs-service / POPLA / BPA

I'm not sure if the signs were illuminated.

I didn't see them but wasn't really looking.

I was in a rush so quickly parked my car and jumped out of it.

I can possibly have a look this Wednesday to check.

I'm happy to put up a fight but only if I'm likely to win.

It would be horrible to lose the fight and end up paying more.

I've never been to court and I probably wouldn't be able to argue my case in a clear and articulate way.

But if it did get to that stage I hope i could have a spokesperson.

Before that stage, I'll always go with the advice given on here!

On another note I've just realised it does say the time I was parked in the car park and it was much longer than I realised.  

28 mins 48 seconds "apparently".

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urm..

this cant be a ANPR capture as no pictures on the PCN.

 

something is fishy here

how can they know exact time without Video evidence 

 

me thinks this is one of these MNPR jobbie

with the details taken from CCTV footage and the CCTV operator dobbin people in for a backhander to CEL.

which is against GDPR .

 

do not appeal to CEL whatever you do.

 

 

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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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  • dx100uk changed the title to CEL MNPR PCN - no permit - The Albert Social Club, Albert Stress, Fleet, Hampshire

If it is someone from the club, club might also be liable jointly & severally for the breach with CEL.  that would be for later if they were very silly.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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So, reasons so far that CEL's claim is pants

   - a prohibition, so no contract to break

   - no photographic proof of vehicle entering or leaving

   - no keeper liability (probably)

   - no planning permission (probably)

   - signage not illuminated at night (probably).

 

You could even, if you want, sue CEL for misusing your personal data.

 

 

We could do with some help from you.

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I've done some research and there would've been an ANPR system taking snaps of the driver's numberplate entering and exiting.

Whilst they can't prove the exact period of parking, nor what the driver did in the intervening period the court would likely conclude, on the balance of probabilities, the driver was 'parking' in breach of the signs. But CEL's PCN's are bad and they don't have to put photos on there is what I've read.

Also, called the social club and went to voicemail.

They open at 3pm so trying again then.

Called via a private number.

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you need to prove the ANPR system exists

and where are you doing this 'research' 

your conclusion is also flawed.

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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I actually asked this same question on another forum but I was reluctant to mention that in case the two forums are competitive: 

The advice on that forum was a bit different and at times contradicted what I was told on here.

For example, someone recommended sending a letter to them as no PoFA compliance, saying:

Dear Sirs,

I have just received your Notice to Keeper xxxxx for vehicle VRM xxxx

You have failed to comply with the requirements of Schedule 4 of The Protection Of Freedoms Act 2012 namely, but not limited to, failing to give notice of keeper liability as prescribed by section 9 (2) (f) of the Act.

You have also failed to give the invitation to keeper in the format prescribed by section 9 (2) (e) of the Act.

You cannot, therefore, transfer liability for the alleged charge from the driver at the time to me, the keeper.

There is no legal requirement to name the driver at the time and I will not be doing so.

I do not expect to hear from you again, or your debt collectors, except to confirm that no further action will be taken on this matter and my personal details have been removed from your records.

Yours etc

First class post with a free certificate of posting from a post office

What do you think of this idea?

Also I hope you don't mind me posting on another forum too.

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we never recommend entering into pointless letter tennis until/unless you receive a letter of claim.

 

simply tells them you are a mug that will crumble should they keep on at you.

 

can you get photos?

 

 

 

 

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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just type no need to hit quote

 

all their signs, their text inc any small print and the view from public highway

you must be able to see them before turning in

 

their positions

the cameras

their positions

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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we said Do NOT to appeal

 

can you pop all the photos up one to each page of a multipage PDF please

read upload carefully.

 

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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Who did you appeal to the club or the flrrcer's, The fleecers would likely have invoiced you even if you had been delivering to the club.  drivers of liveried vans delivering for likes of DPD get tickets but  they don't get very far trying to chase them delivering isn't parking

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • dx100uk changed the title to CEL MNPR PCN - no permit - appealed - The Albert Social Club, Albert Stress, Fleet, Hampshire
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