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    • 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 so 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. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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CPM ANPR PCN Claimform - -THE ATLIP CENTRE EALING ROAD ALPERTON WEMBLEY LONDON HAO 4LW


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std N180

follow any PCN claimform thread 

you should be vanishing for 3 weeks without reading up 

i have advised you aboutt his before..:frusty:

 


https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track-correct-at-sept-2016/#comment-5088148

3 copies

yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket)

1 wit you

Suitability for determination without a hearing? no

the rest is obv

1 to the court

1 to sols (omit phone/sig/email)

1 for your file

 

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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I have had a look at the contract you posted which pose a number of questions for CPM.

 

1] the address of 197 atlip road and the post code do not match should be HAO  4G SOMETHING NOT 4LW . So the contract has been wrongly drawn up and so does not represent the actual area which CPM say they control.

 

2] the contract does not give them permission to pursue through the courts

 

3] the contract does not comply with the BPA Code of Practice  13.1 or 13,3 since the signage in Atlip Road states there is no Grace period. [the Contract point 2  states "Signs will comp[ly with BPA guidelines at all times"].

 

4[ breaches contract point 4 since they do not have planning permission for their ANPR signs

 

5] Contract point 8 is wrong.since there is no alternative to applying to the DVLA for keeper information.

 

6] at the moment it cannot be assumed that the contract is valid as signatures etc have been redacted.

 

I have already stated that the PCN is not compliant which means that the alleged debt cannot be transferred from the driver to the keeper. The keeper cannot be pursued and they cannot assume that the keeper and the driver are the same person.

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@dx100uk It was a work trip, I have been reading threads, however there are many jargon words and I am dyslexic, it take me a little longer to get there ... thanks for your patience. 

 

I will say No to mediation because its private land parking, 

Suitability for determination without a hearing? no, 

Reason: There are factual disputes that requires a hearing (no need for more details?)

 

I will make 3 copies 

1 for Court/ 1 for Solicitor/1 for my file

 

@lookinforinfo That is invaluable, thank you so much for the contract analysis. 

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  • 10 months later...

nor theirs!!

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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Share on other sites

Apologies 

Here is my defence so far:
 

[Name] [Address] [City, Postcode] [Date]

The County Court [County Court Address]

Case No: [Case Number]

In the matter of: UK Car Park Management Limited (Claimant) v. [Name] (Defendant)

DEFENCE WITNESS STATEMENT

I, [Name], of [Address], hereby make this witness statement in response to the claim brought by UK Car Park Management Limited (hereafter referred to as "CPM") against me in relation to the alleged parking charge incident at The Atlip Centre ANPR Ealing Road Alperton Wembley London, on the Contravention Date of 8th July 2019.

  1. I confirm that I own multiple cars, and the vehicle registration number (Reg), in question, is not my daily driver.

  2. The parking incident occurred at my local gym, which is frequented by my family and friends, and any one of them or their friends could have been the driver on the Contravention Date. I have reached out, however, I cannot definitively identify the driver responsible for the alleged breach of parking terms. 

  3. Furthermore, I want to bring to the court's attention that I have previously received a parking ticket on my daily driver at the same gym location, which was later cancelled by the manager after providing evidence of my presence at the gym during the stated time. This demonstrates my willingness to address parking-related issues when I am indeed the driver.

  4. It is essential to highlight that the address of 197 Atlip Road and the post code HAO 4LW mentioned in the claim do not match. The contract, as described by CPM, appears to be wrongly drawn up and does not represent the actual area they claim to control.

  5. The contract provided by CPM does not grant them permission to pursue legal action through the courts.

  6. Furthermore, the contract is not in compliance with the BPA Code of Practice 13.1 or 13.3. The signage at Atlip Road explicitly states that there is no grace period for parking. This discrepancy demonstrates that the contract is not consistent with the BPA guidelines.

  7. CPM is in breach of contract point 4, as they do not possess planning permission for their ANPR signs.

  8. Contract point 8 is also erroneous, as there is no alternative to applying to the DVLA for keeper information. Their claim of having alternative means is unsubstantiated.

  9. I challenge the validity of the contract as certain essential details, such as signatures, have been redacted, making it impossible to verify its authenticity.

  10. The PCN provided by CPM is non-compliant, which means that the alleged debt cannot be transferred from the driver to the keeper. There is no basis for assuming that the keeper and the driver are the same person.

In light of the aforementioned points, I respectfully request that the court considers these issues when making its judgment. I believe that CPM's claim lacks sufficient evidence and is based on a contract that does not hold up to scrutiny.

I hereby declare that the facts stated in this witness statement are true to the best of my knowledge and belief.

Signed: __________________________ [Name] Date: ___________________________

 

Edited by dx100uk
upload removed not redacted properly
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This is the defence submitted to money claims.gov.uk
 

Defence

I contend that the particulars of claim are vague and are generic
in nature which fails to comply with CPR 16.4. I will accordingly
set out its case below and relies on CPR r 16.5 (3) in relation to
any particular allegation to which a specific response has not
been made.

1. Paragraph 1 is denied. It is denied that I ever entered into a
contract to breach any terms and conditions of the stated private
land.

2. 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 only contracted 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.

3. The claimant has yet to evidence that their contract with the
landowner. Further it is denied that the Claimant’s signage is
capable of creating a legally binding contract.


4. Paragraph 2 is denied. It is admitted I am the recorded keeper
of the vehicle. The Claimant is not in a position to state if I
was the driver at the time.


5. Paragraph 3 is denied, there are no contractual costs and
interest cannot be accrued on a speculative charge.

6. Not withstanding the above on 09/08/2021, I made a request
pursuant to CPR 31.14 for the Claimant to disclose the necessary
evidence in support of their claim. To this date the claimant has
failed to respond to said request.
 
 
Do I have to submit another defence or do I just print and take it with me to court? 
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To repeat my question, have the court and Gladstones seen your WS?

This is very last minute for everyone, it's a shame you didn't come on here over the weekend when there was more time. Before that would have been better still.

HB

 

Illegitimi non carborundum

 

 

 

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What date was you advised to file and serve your statement on your Notice of Allocation N157 ?

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So, you've also let them use email to serve documents...

Exactly when did you receive their bundle?

Also, new dates for submitting documents would have been on the notice of reallocated hearing date?

We could do with some help from you.

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claim number on page 3

your name on page 31 +34 

note they say they are not attending..play this right and yu'll win if you go.

 

they also say their ws and the relisting was served on you 5th july...its now 8th aug..why did you not come here sooner>>>>>:frusty:

 

 

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 got the bundle on the 31st July . They sent it via email. I was away, I came back 2 days ago. 


I did get the re-listing letter but it did not have an action attached to it … atleast that’s what I understood. 


Honestly, I’m so sorry, I know I must be very frustrating but I’m so swamped and my mental health is none existing. 

I have noticed that they’re not attending, so do I still go even if I havnt served them with my defence? 
does my defence look good to you?

bundle Redacted

DEF TB 2_Redacted_compressed_Redacted_compressed.pdf

Edited by dark.knight.10
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its not a defence its a witness statement .

oh well you didnt file ...water under bridge now

@FTMDave and the other exprts will help with the ws

print off 2 copies and take them with you.

just hope the judge accepts it one the day.

you go see the judge.. you should win ok as they are not attending so they know they have something wrong they dont want questioning in person

forget the contract stuff not really important who signed it 

but.. have you checked land reg site to see if Makita? whom they say they signed the contract with IS the landowner? might be an idea.....

 

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

Thank you all! 

Okay, I didn’t know you can do that. There are 3 or 4 address with the same address on the Land reg site. How can I tell which is the Atlip centre. 
197 Ealing road, Wembley, HA0 4LW

Shall I pay to view all of them? 
 

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43 minutes ago, dx100uk said:

print off 2 copies and take them with you.

just hope the judge accepts it one the day

Might be an idea to take 3 copies, just in case they send a locum?

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