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    • Absolutely for the agreement they are referring to.... puts them on notice that this is going to be a uphill fight.   Andy 
    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
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      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.

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NPE/BW ANPR PCN PAPLOC now claimform - wrong reg - MJB Winelodge, Bridge Road, Lowestoft, Suffolk NR32 3LR


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My first draft attached is based on a post half way down the link from FTM Dave. However, I would like to find info referring to mistyped reg numbers and how it's not acceptable to fine motorists for a mistyped entry.  Any ideas how to find this info or proposed info so I can quote section and para to back up the info in the letter would be really appreciated.

 

Many thanks.

 

 

WWW.GOV.UK

We are consulting on new measures to improve the regulation of the private parking industry.

 

Others have said how the new

Reply Letter of Claim - BW Legal.pdf

Edited by SCDH
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Well done on finding the snotty letter on Happy54's thread, that is exactly the sort of thing you should be sending.

 

You also link to the government consultation document.  What you are looking for is in "Chapter 4: The level of parking charges".

We could do with some help from you.

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Good work.

 

We'd probably have made it "snottier"!  However, the important thing is you've shown you know the law and the PPC know they are on a hiding to nothing if they do do court.

 

There are no guarantees, but we've seen them recently back off virtually always in these cases.

 

Write on the bottom of your letter COPIED TO NATIONAL PARKING ENFORCEMENT LTD.  This is because crooked solicitors like BW Legal are infamous for egging on their clients to go to court, even if the case is pants.  After all, they get paid either way.  Let the PPC know directly you've sussed their sordid little game.

 

Obviously quote their PCN reference number on the letters.

 

If none of the other regulars disagree, invest in two 2nd class stamps tomorrow and get two free Certificates of Posting from the post office.

We could do with some help from you.

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Thanks for taking a look. I just didn't want cause confrontation for the sake of it but I take your point and I appreciate there are no guarantees.  

 

Good advice about copied to COPIED TO NATIONAL PARKING ENFORCEMENT LTD and quoting the PCN reference number on the letters.

 

I was going to ask if the letters needed to be registered post but you've answered my question by getting certificates of posting.

 

I'll update the thread on the response or lack of when their cut off date to reply has passed.

 

 

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  • 2 weeks later...

Dear all,

 

I've just had a letter from BW Legal (attached) which is in response to my letter after receiving their LBC.  As you will see, they quote Parkingeye V Beavis in the fact that they don't have to consider loss as a relevant factor.

 

While they state a full and correct reg must be entered to avoid becoming liable for a PCN, they obviously don't mention that it's a demines offence but are happy to discuss it in court.

 

I would also value opinions on their view that once I left the carpark to receive payment for the meter the offence was complete.

 

Thanks in advance again for all your help.

Snotty Letter Response.pdf

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what witness statement with the snotty letter did you send?

 

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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why did you send that, you were not advised too nor told us you were??

 

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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well we didnt say send that but no matter. next time stick to the advice please don't play your cards early!!.

 

yours is not the next move

wait and see if they issue a letrter of claim, they have 6yrs, don't move without informing them.

 

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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  • dx100uk changed the title to NPE/BW ANPR PCN PAPLOC - wrong reg - MJB Winelodge, Bridge Road, Lowestoft, Suffolk NR32 3LR

Thanks DX, 

 

While your communications are direct, I do appreciate your knowledge and experience in these matters and genuinely value your input.  As far as I see it, the facts are the facts and I'm certainly not going to commit perjury in court by saying anything other than what the statement says.  I know you weren't implying that, I'm just saying that the statement tells the truth and I can't deviate from it. However, I do take your point about not playing my cards early. 

 

While they might have a technical point over a breach by leaving the carpark to get the money for the machine, I would counter that with the point that it was very dark and the machine had no lighting.  Also, the street lights were facing away from all signage resulting in poor lighting to read.  As a result, it's hard to be responsible for an accidental breach if you aren't aware of the terms when first entering the carpark.  However, I respect your advice if you think otherwise.

 

Can you confirm that I need to receive another Letter of Claim before having to respond?

 

Many thanks.

 

 

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I was in a timewarp there. Sadly not firing on all cylinders for a good while to come yet..

 

youve had the paploc so what they might do is leave it till near statute barred date and send another paploc years down the line or raise a court claim...who knows..

But safe to say yours is not the next move unless you move...

 

Its also worthy to note they cant intimate they can enforce reverse trespass. They cant even enforce trespass on the land they might manage, let alone leave the site and enter another site and say thats not allowed.....

 

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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Your letter to them did admit that you were the driver. That isn't fatal but in situations where there is no transfer of liability from the driver to the keeper then there are occasions when the Court will not allow the assumption that the keeper is automatically the driver.  So a driver can win the case if there is insufficient evidence to prove they were driving at the time.

In your case the result probably hangs on the reg.number and good luck with winning that DCBL and NPE. 

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No real harm has been done but the thing to remember is that rogue solicitors like BW Legal who are in cahoots with the PPCs are simply conmen.  They're solicitors, they know the law, they know about "de minimis", they know the money isn't owed but carry on regardless.

 

That's why forum regular lookinforinfo prepared the snotty letter you found to show their sordid little schemes had been sussed and it would have been better to send them the whole thing.

 

Once you start discussing evidence with them they will come out with every lie imaginable to try to get you to pay.  It's complete nonsense to say the grace period ended because you went to get a quid from the chippy, what you did was no different to going back to your car to get some change, for example.

 

You've been through PAPLOC now, they sent the Letter of Claim, you told them where to get off, relax now, yours is not the next move.

 

 

We could do with some help from you.

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Thanks gents,

 

I've obviously made mistakes with the statement of payment confirming me as the driver but it also helps to confirm payment was made, bit of a double edged sword but lesson learnt.

 

Point taken about not discussing points of law and yes, I can't see the difference between getting a quid from the chippy or anywhere else.

 

Also, good to know they can't enforce trespass or reverse trespass.

 

As advised by all of you, I'll let them make the next move.

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Still plenty to send them packing .

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

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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  • 2 months later...

Just received the Claim Form from the County Court Business Centre. 

Defend in writing on NB9 or pay within 14 days after date of issue. 

 

If I ignore then I'll be found guilty by default and a CCJ if I don't pay within a month. 

 

According to CAB, the court can decide to strike out a defence claim with no hearing if they don't see it as a valid defence. 

 

If it goes ahead the claimant can add further costs.

  Looks like it's decision time!  

 

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Many thanks honeybee13,

 

As requested, my answers are as follows:

 

Please answer the following questions for ANPR.

 

1 Date of the infringement 23rd February 2018

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 28th February 2018

 

3 Date received Can't remember - approximately within a week.
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes it does.
 

5 Is there any photographic evidence of the event? Yes, a photos of my car entering and leaving and the registration number
 

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

Have you had a response? [Y/N?] post it up N/A
 

7 Who is the parking company? National Parking Enforcement

 

8. Where exactly [carpark name and town] MJB Winelodge, Bridge Road, Lowestoft, Suffolk NR32 3LR
 

For either option, does it say which appeals body they operate under. Independent Appeals Service www.theias.org

 

 

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Name of the Claimant : NATIONAL PARKING ENFORCEMENT

 

Claimants Solicitors: BW Legal

 

Date of issue – 18th nov 2021

 

Date for AOS - 6th dec 

 

Date to submit Defence -  20th dec

 

 

What is the claim for 

 

1.The Claim for the sum of  .... being due from the Defendant in respect of a Parking Charge Notice (PCN) for a contractual breach which occurred on .... in the private car/park land at ..... 

 

2.The PCN was issued as the driver failed to comply with the terms and conditions , as displayed . 

 

3.Despite demands, the charge remains unpaid. 

 

4.The claim also includes statutory interest pursuant to section 69 of the County Courts  Act 1984 at the rate of 8% per annum (a daily rate of £0.02) from .... to ... being an amount of ... 

The claimant also claims £60 recovery costs as set out in the Terms and Conditions  and in the ATA AoS Code of Practice. 

Edited by dx100uk
dates corrected.
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As the above sticky says, you must acknowledge service on the MCOL website, you may need to set up an account.

 

With a court, claim, you need to be more proactive than you might think, so it's up to you to work out the deadlines for AoS and your initial short defence. If there's anything you aren't sure about, please ask. :)

 

HB

Illegitimi non carborundum

 

 

 

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Thanks Honey Bee,

 

I've tried to set up an account but it's not accepting the defence password in the Important Note box on the bottom right of the first page.  I'll have to ask them for support.

 

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