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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. 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 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 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 ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Capital Car Park/DCBL claimform - Chandlers Avenue, Barge Walk, Greenwich Peninsula SE10 0PE


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Driver or Keeper looks like not compliant with POFA,  either or can't try to sue same person as both.

We could do with some help from you.

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I just phoned Greenwich London Borough council. They confirmed the Greenwich Peninsula is NOT owned by Port of London Authority and it is within their borders.

I also tried calling the Port of London Authority to confirm but this went straight to answer machine after the switch board transferred me over.

 

i have uploaded the PDF again. Please check this one.

 

Thanks

 

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I'm posting very quickly, first of all to say that we've received a generous donation from you and I've replied by email to say thanks.

Second thing – I haven't done more than scanned very briefly through the thread – is that I understand that you are being sued for more than £600.

Just to warn you – as I did in the email to you – that a judgement over £600 can entitle the judgement creditor to transfer up to the High Court and have the judgement enforced by sheriffs. Sheriffs fees can be quite extortionate and can easily add thousand pounds to the judgement some.

I really hope that you don't lose the case – but if that happened, then you should ask the judge for instalments immediately – and you should do everything you can to reduce the sum – and paid off if at all possible. You do not want to have High Court enforcement fees added to it.

I'm sorry if this unsettles you or puts the frighteners on you – but I think it's important to warn you, and anyone else who happens to look at this thread about what can happen if a judgement for more than £600 is transferred up to the High Court.

Thanks very much indeed for the donation and good luck

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Thank you for your reply admin. Win or lose I wanted to contribute towards this site.

 

I've been stuck in some horrible sticky situations in the past. When i had no where to turn to for advice, this site has always helped me pull through.

 

I will fight this claim. If i don't win, i will settle by instalments. 

It seems to me they added one of the PCN twice to get it over the £600 mark. What a awful thing to do for profit.😠

Edited by chinoky
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I hope it doesn't come to that – but if you do lose then you will have to ask the court to order instalments. If they're not ordered by the court then there is quite a chance that DCBL will simply decide to crush you in retaliation for the trouble you have course them by going directly to the High Court enforcement officers.

So if you do lose, make sure that you speak up and point out to the judge that you are unable to pay immediately and you would be grateful if an instalment order could be made – and then you should suggest instalments of, say, £50 per month – if you can manage it.

The other side won't like it, but the judge might think that there is a reasonable proposal and go along with it

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13 hours ago, chinoky said:

my partner told me a car park but she meant parking bay.

 

By this do you mean you weren't driving that day, but your partner was?

 

Also BF has quite rightly pointed out the dangers of you being sued for over £600 and what to do were you to lose in court.

 

That said, these thickos have already done so many things wrong with their inflated claim that I can see a judge being very, very unimpressed by their abuse of the court procedure, and the odds of your losing are tiny.

 

This does of course depend on your putting the work in & building up a case against the crooks - and you're doing superbly so far  👏

We could do with some help from you.

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If they are suing the Keeper, and your Partner was driver, and they haven't complied with POFA  they are opening a whole world of pain  for themselves with the admin charges aka Unicorn Feed tax that magically helps to put it above the £600, as if suing Keeper, those charges are inapplicable as can only apply to driver, so are as per OPS Judgnment abuse of process. just needs a look at the events as they unfolded, and what was said and done, up to the claimform.

We could do with some help from you.

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Good morning all,

 

Thank you all for your replies. It is very helpful.

 

The driver wasn't me that day and I am the keeper. I have been spending a lot of time reading through other people's thread regarding county claim forms and trying to get familiar with the process.

 

When i receive a response from the CPR31:14 letter i sent. Will it have all the chain of events leading up to the claim form?

 

 

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I wouldn't wait on the CPR, they might not comply in time for your response to the claim, you need to formulate a 3 line defence that casts doubt on their action the WS goes into the detail of the hows & whys their POC is pants.

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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Less is more at this stage, just simple rebuttal, like if no Pofa suing as keeper a no no can't imply keeper is/was driver if keeper can't include the "DCBL admin charges" in the claim, plenty in other threads, and the Team will help direct you.

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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1 hour ago, chinoky said:

The driver wasn't me that day and I am the keeper

 

Excellent news.  Yet another own goal from Capital.  If it actually gets to court you can point blank deny being the driver.  They're suing the wrong person, have been too lazy to use POFA to establish keeper liability and as BN said are now even deeper in the mire re the Unicorn Food Tax.

We could do with some help from you.

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Its good to know their legal team haven't been too diligent in this process. 

 

If there are any particular threads i should focus on reading, please forward them my way.

 

Thank you all again, i really can't express enough how grateful i am.

 

 

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If you want to see how judges consider these inflated charges, and also have a good laugh at the PPCs' expense, have a read through the attachment in the first post at

 

 

We could do with some help from you.

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Especially from Paragraph 66 of that Judgment regarding the Administration charge, 2 of which are in the claim against you as Keeper.

 

The Admin charge is £70 per letter so unfair and abuse of Process as per para 68.

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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Afternoon all.

 

Today I received the response back from their legal team.

 

I'm not sure what to make of it.

 

Response:

We write further to your request pursuant  to for CPR31.14 dated *****.

 

CPR 31.14 (1) (a) allows a party to inspect a document mentioned in the statement of case 

However, nowhere in the claimants PoC are the documents listed in your email mentioned. Accordingly, the provisions of CPR 31.14 do not apply, and you are not entitled to inspect the document requested.

 

Should you be insured of your legal position, you may wish to seek independent legal service.

 

Any advice on what to reply (if I need to). 

 

Thanks everyone.

 

 

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std reply in many threads here already get reading up.

pcn claimform

 

how have these muppets got your email?

you should NOT be using email!!

 

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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CPR is a request it's not legally binding, though failure will of course be mentioned in your witness statement IF the claim gets that far.

 

their WS will have to include copies of all documents the claimant intends to rely upon .

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've never replied to any of their letters and definitely didn't email them. It must be a generic template.

 

Should i pursue this CPR 31.14 in another letter or leave it for now if it counts against them later on?

 

Thank you all.

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its only a request they are not legally obliged to respond......

said this twice now.

 

 

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...

Hello all,

 

I have started a draft defence. I tried to keep it simple and after much editing, i've ended up with this. Any suggestions would be warmly appreciated.

 

1. The registered keeper was not the driver on the dates provided by the claimant.

 

2. It is denied that the registered keeper parked at Chandlers Avenue, Barge Walk, Greenwich Peninsula SE10 0PE  at the times mentioned in the Particulars.

 

 

3. 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."

 

 

4.  It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 to establish keeper liability.

 

5.  The Defendant has added additional amounts to the claim to try to circumvent limits on legal costs in an abuse of court procedure.

 

 

 C

 

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Looks good to me.  Point 3 is very generic and covers just about everything, and that's the way to go, less is more for the time being.

 

This car park company will be in for the shock of their lives when you fight back, suing for the same ticket twice and all the Unicorn Food Tax will seriously rile a judge. 

We could do with some help from you.

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