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    • I'm not sure on the best option here, I'm happy to go with Tomlin, however I can afford to pay this one in full if needed and wonder whether I should be trying to get a reduced amount, perhaps in the court hallway before going in? that would require submitting a WS of some sort. What I 'like' (strong word) about TO in this instance, is that it allows me to keep my savings to hand for further accounts needing attention in the near future and I would hope gives me some control over the pcm amount.. I've read a number of TO threads now (fell to sleep at the keyboard last night ) but have a few questions please: - Do I specify the payment arrangement in a TO or the claimant? I'm thinking 20% lump upfront plus 96 months of circa 60 squid. - Who decides repayment amounts if CCJ is granted? if the judge, then do I submit I&E at any point? Given the amount of total debt across all my claims, I need to ensure anything I commit to is future proofed. I wouldn't want all my disposable income sent to this one debt, only to have another one in a month or two.
    • I'm sure I've said before that it's fine and dandy bringing in rules that favour you or your party, but you have to consider how it would play out if your opponents get in and want to use the same rules...
    • Its Gaelic celebration and bonfires today - Beltane Quite fortuitous for tomorrow lets hope
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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
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CEL ANPR PCN Claimform - Tily Carpentry Yate Bristol ***Discontinued***


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a reply to his CPR not a WS LFI..

 

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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Good Morning,

there is nothing on the reverse of any of the paperwork sent on the 17th January and that looks like all the paperwork that came with the case file, I am more than happy to scan every sheet but it only contains "Ways to pay" or "Financial Statements".

I did not see any paperwork on appealing the PCN.

 

 

pdfjoiner (2).pdf

 

 

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The reason I asked for a look at the back of the PCN was because there was nothing on the front that allowed them to transfer the liability from the driver to the keeper as there should be to comply with PoFA.

As it was one of your sons who was driving you are in the clear and cannot be liable for this PCN. All you have to do is not to divulge who the driver was.

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As you are not liable for this PCN I think that we could try and head this off at the pass to coin an old wetern film cliche.

To save the time of yourself,  CEL and the Court you could send a Cease and Desist letter to CEL. basically saying that you are not responsible for paying the PCN as you were not the driver and there is no keeper liability involved. You are not prepared to divulge who was driving so if they want continue to go to Court not only do you have a complete defence to their claim but you will be expecting the Court to add exemplary damages to your costs.

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Amazing work and thank you very much for the time and effort you have put into this, but I think there maybe some confusion or cross wires as I'm doing this on my sons behalf because being a halfwit he buried his head in the sand hoping it would go away. My son is the registered keeper and also the owner of this particular car (which is now written off) So they haven't tried to palm this off on me, I really sorry if this is how its come over and my good intentions was not to mislead anyone.

 

 

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Filling out the defence but stuck on this one:

 

3. It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 [set out the specific ways in which the requirements of the paragraphs mentioned above have not been met].
Only include the above paragraph if you have checked the POFA and can refer to the specific paragraphs which have not been complied with. Otherwise delete it. Do not forget to renumber the remaining paragraphs.

 

Have they complied with PoFA 2012?

 

 

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Simple fact is we don't know because your son has binned the documentation.

 

If you're uncomfortable with this clause, then just leave it out.

 

The more generic the defence is the better anyway.  Just use the standard short defence that is on most claimform threads here.

We could do with some help from you.

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And a cautionary tale.

 

We recently had someone on the forum (not PPC, another section) who put masses of work in on behalf of his son-in-law, who was being sued.

 

Once the son-in-law found himself in a court setting, he got pretty much trounced.

 

This was because the father-in-law had educated himself about the legal position, but the actual person being sued hadn't.

 

If CEL do continue all the way to a court case it will be your son, not you, who will have to face them.  It would be much better if he dealt with his own case and educated himself about where he stands legally, sharpish.

We could do with some help from you.

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Wooops!  Missed that, sorry.

 

It's debatable if they have complied with POFA.  They seem to have sent out the documentation in time, but then have hidden in miniscule writing that your son could name the driver if he wasn't driving.  Plus they haven't even said what he did wrong!

We could do with some help from you.

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Dont tip rhem off..keep it totally bland and generic.

 

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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They haven't complied with PoFA as far as keeper liability is concerned.

This part of what the NTK should say 

"

warn the keeper that if, at the end of the period of 28 days beginning with the day after that on which the notice to keeper is given—

(i)the amount of the unpaid parking charges (as specified under paragraph (c) or (d)) has not been paid in full, and

(ii)the creditor does not know both the name of the driver and a current address for service for the driver,

the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;

 

Instead they just said this.........................so absolutely there was no notice of them transferring the liability from the driver to the keeper.

                                            pdfjoiner-1-2-pdf.png.8e46d1478481574ac8bca7a6232e5d1c.png     "

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just read it thank you. The signage is hidden besides a wall which cannot be seen by the driver because its to his left and its a floor standing notice not a wall mounted notice and its clearly visible only when you leave. Have a look and see if you agree with me

15-01-2020b.pdf

 

 

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Certainly if your son could only see the sign when driving out it would make it impossible for him to enter a contract with CEL.

 

I've just reread the thread and seen the deadline for his defence was 16 April, so he needs to deal with this quickly.  How about -

 

 

1.  The Defendant is the recorded keeper of XXXXX.

 

2.  The Claimant was 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.  The proper Claimant is the landowner.


3.  In any case it is denied that the Claimant entered into a contract with the Defendant.

 

4. 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.

 

 

Point 3 is a catch all and covers the rubbish signage and any other reason a contract wasn't entered into.

 

See if anyone suggests tweaking this afternoon, then this evening file it via MCOL, if MCOL is working.

We could do with some help from you.

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I filed this already on the 16th April:-

 

1. It is admitted that Defendant is the recorded keeper of the
Mini Cooper

2. It is denied that the Defendant parked in Grooms House Car Park Stanshaws Court Drive Yate Bristol at the times mentioned in the Particulars OR the Defendant is unable to admit or deny the precise times he was parked in Grooms House Car Park Stanshaws Court Drive Yate Bristol as he has no recollection of this. The Claimant is put to strict proof of the same.

3. It is denied that the Claimant entered into a contract with the Defendant. 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 carpark 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. The proper Claimant is the landowner.

4. 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.

Edited by webbscatering
grammer

 

 

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and where did you get 2 from?

you ideally should never file an embarrassed style of defence using OR 

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

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