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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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Domestic Violence now left with Major debt - all in my own name


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doorstep collectors (as with any DCA) are powerless and not bailiffs

no DCA has any legal powers on ANY debt no matter what its type.

 

pop along to the 

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

 

start a new thread

and list all your debts please.

for each one:

 

original creditor

type of credit

when taken out

how much is outstanding

defaulted date from credit file

who owns the debt now if a dca

last payment date and to whom

 

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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In addition to my site team colleague's advice above, if you get any further visits from any body on the doorstep, be very calm but have a notebook next to the door and asked them immediately for their name, who they're working for an sight of any ID. Take the number of the ID.

Try and take a photograph of them – and tell them that they are not to visit again and if they do then the matter will be reported to the FCA.

If you get any visits from these people then come back here and tell us all about it including identifying the person and the organisation involved.

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'they' cannot do ANYTHING of the sort!

wherever did you get that idea from...

 

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 dont know - i think ive watched too many of those programmes 

 

Hi All 

 

I am posting here as I have two major life issues on the go at the same time.

 

so i have £52k of unsecured debt.  i own my own home - help to buy mortgage and have recently been advised by a one of the adverts to go into an iva to protect my house 

 

But i understand that i dont have to do that?

 

i need to sort out the following info

 

original creditor

type of credit

when taken out

how much is outstanding

defaulted date from credit file

who owns the debt now if a dca

last payment date and to whom

  • Sad 1
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An advert advised you to take out an IVA???

 

You're right NOT to take an IVA out.

 

As you have already stated, what is the debt, who owns it, rough figures, and when did you take it out and last pay towards it.

 

Have you informed any of your creditors that you are in financial difficulty?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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scammers united.

they take 99% of your £PCM for fees every month and then fwd maybe £5-£10 to each creditor.

then when the xx (5?) yrs is almost done they come up with some BS story to make you extend it.

don't ever do an IVA esp if 99% of debts are consumer credit.

 

get your list up please

 

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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What are the debts please?

 

Who owns them?

 

How much are they?

 

Who is chasing you for them?

 

Have you informed your creditors you are in financial difficulty?

 

Who is your mortgage with and are they aware of your change in circumstances?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Your mortgage is your priority, you must keep a roof over your head, this is why we need to see what the debts are and whether they are priority debts or not.

 

You MAY be able to take a payment holiday with the mortgage, to give you a bit of breathing space.

 

Get everything in a list,

Name, Amount, Due, last paid, 

 

Nothing is insurmountable, it can all be dealt with very easily, years ago I had circa 60k of debt when I was made redundant so I understand the sleepless nights and foreboding.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 months later...

Hi All 

 

Please can i have some help. 

 

So, I am 6 months out of a domestic violence relationship, including financial abuse (and physical & sexual).  i am thousands in debt thanks to him (over £55k), its taken me months to even start to look at it.  My first hurdle, is that my council tax now has a liability order.  Bristow and Sutor are asking me to complete a 'details' form, address, dependants, age, employment details, salary etc. 

 

can someone tell me what information i need to give them?  I owe £400 from last year and £750 from this year so far.  

 

i am not sure what the heck i am doing. 

 

i suffer severe anxiety and depression, not to mention PTSD and am afraid of my own shadow.  Before I fill in any forms, i need some help and advice please. 

 

there is more to come with my other creditors.

 

to top it off, my ex partner (who I threw out, has had a variety of debt collection letters and CCJ's come to my house, he hasn't changed his address (i dont know where he is) and its causing me sleepless nights.  I just cannot cope with anymore, no amount of returning these letters works, they just keep comming) 

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I have flagged this up to my site team colleague @dx100uk who I am certain will be keen to get his teeth stuck into the debts.

I think you will have to start off by giving us the details of all the various debts – creditors et cetera.

I understand that the council tax is your first hurdle. I expect that my site team colleague will ask you for details about this as well.

What assets do you have?

 

Well done on come out on this and reaching out to us. You been here long enough that you know that we will be extremely supportive and do our best to help you.

Have the police had been involved at all?

Have you been in contact with any abuse agencies? I think that you may find that their help and advice will be very useful – not only in terms of being supportive emotionally but also being supportive in terms of corroborating any letters that you may have to write to any of these creditors in order to try and deal with situation.
Have you told the local council about your situation? Which local council is it? I would have expected local councils who understand what is going on to be pretty sympathetic in their handling of these matters.

All the debts in your name alone? Or are they held jointly?

I certainly think that you should be writing to the credit reference agencies and dissociating yourself from your ex-partner's name at that address.

What are you doing with all the correspondence that you are receiving which address to your ex-partner?


 

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the Police were involved yes, he was arrested (but not charged) for ABH - and in the usual victim mentality i didnt make a statement, however, I can go back to that (or so i am told).  The last time he assaulted me I ended up in A&E in Oct 2020 and ended up requiring surgery in March 2021, this is on my medical file, there are photos etc of the assaults previously, and as you know from before my children witnessed far more than they should have.  

 

Shropshire Domestic Aid have now allocated me a case worker, and yes I have advised the Council, its been very difficult as I feel very uneasy and anxious about it all.  

 

my ex was very clever, and the debt was all in my name.  he used my credit cards to pay for his car finance etc, i told him I couldnt afford it and that all he was doing was transferring the debt to me, he promised to repay it, but he never did. he did the same to his previous wife, and left he with a lot of debt.  this isnt his first time - sadly.  i have been financially coerced and abused. 

 

I have my own home, mortgaged that i live in with my daughter, and it is a HTB mortgage.

 

with regards to his post, i just keep sending it back, but i can tell he has had at least two Ccj's, one of which from the previous house as he hasnt changed his address with some of his creditors.  this is a real mess and coming to my door.

 

i have had a couple of conversations with him to redirect his post - but so far no joy.  he had asked for me to forward to his dads house, but that doesnt get it away from my door, and just leaves me with another task to sort for him on a regular basis. 

 

 

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Frankly I suggest that you start opening all the post, copying it and then sending it back.

I think I would also write to the senders and informed them about his change of address – to his father's house.

Presumably all the creditor correspondence is addressed to you because the debts are in your name.

 

I would certainly go back to the police and make the statement and try to complete the process. I think it's quite shameful that the police didn't deal with it anyway once you  were in hospital.

If you have a caseworker and the council is fully aware then why are they being so hard-nosed about chasing you for this money?

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Please start reading this

 

I think there has to be an approach to this on several levels.

I think I direct communication with Bristow as well as with the council and also to your local MP will be a good starting place.

Simultaneously I think that there should be a campaign to deal with the debts and you may well find that some of the creditors when they understand may even write off the debts.

As I've already said you to start listing out the creditors and we may ask you to start separate threads for some of the more all of them.

As already indicated my site team colleague @dx100uk will most likely be along at some point and he will help you take control.

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Frankly I suggest that you start opening all the post, copying it and then sending it back.

I think I would also write to the senders and informed them about his change of address – to his father's house. - OK 

Presumably all the creditor correspondence is addressed to you because the debts are in your name. - that is correct - he didnt work for a 3 years and ran up his own credit card debt as well as mine.  as soon as HIS son turned 18, the Child Benefit and Child maintenance stopped, he was barely paying his way - he then just stopped paying anything 

 

I would certainly go back to the police and make the statement and try to complete the process. I think it's quite shameful that the police didn't deal with it anyway once you  were in hospital. - if it was that easy I would - he once threatened to pour petrol in his ex-wife's letterbox, and on the basis i dont know where HE is I am afraid to do anything 

If you have a caseworker and the council is fully aware then why are they being so hard-nosed about chasing you for this money? - I don't know.  but all I know is that for months i couldnt even process paperwork let alone do any banking because he was at me constantly

 

I don't know where to start - i have now sorted all of my papers into piles so that i know whats what, and it sickens me.  

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Hi ya.

 

one quick question

the home is solely in you name?

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

You say there are ccj's...have these your name on them or his?

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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Please slow down..

I know all of this seems mind boggling and very scary and confusing.

just get me through a series of basic questions and all will become clear.

 

can i just say..ignore the bailiffs...there is no right of forced entry on ccjs nor ctax debt....to date you have not let them in correct?

and youve signed nothing.. just had a notice of enforcement ?

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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Lets wrap this ctax stuff up for now.

you said the council know all the domestic history but does the ctax unit know??

 

since you got the noe have you directly contract ed them?

and all this domestic stuff happened some many months ago??? When?? and this noe is as a result of ignoring ctax prior and since then?

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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shropshire domestic violence know - yes 

and i have told the council and bristow sutor 

 

the last attack was october last year - i threw him out in december and i had surgery (to allow the damage from october to repair) in March 2021 

 

yes the noe is as a result of not being capable of dealing with anything.  my last payment to c./tax was oct /nov last year 

 

bristow have given me until 6pm tomorrow night to fill the form in and contact them.

 

i'm petrified 

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