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    • Which Court have you received the claim from?  CIVIL NATIONAL BUSINESS CENTRE, NORTHAMPTON Name of the Claimant?  LOWELL PORTFOLIO LTD How many defendant's joint or self?  SELF Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  03 MAY 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  THE CLAIM IS FOR THE SUM OF £6000 DUE TO THE DEFENDANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER ACT 1974 FOR A LLOYDS BANKING GROUP PLC ACCOUNT WITH AN ACCOUNT REFERENCE OF (ACCOUNT NO. 16 DIGITS LONG). THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL PAYMENTS REQUIRED BY THE AGREEMENT AND A DEFAULT NOTICE WAS SERVED UNDER S.87(1) OF THE CONSUMER ACT 1974 WHICH HAS NOT BEEN COMPLIED WITH. THE DEBT WAS LEGALLY ASSIGNED TO THE CLAIMANT ON (DATE) NOVEEMBER 2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. THE CLAIM INCLUDES STATUORY INTEREST UNDER S.69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8% PER ANNUM FOR THE DATE PF ASSIGNMENT TO THE DATE OF ISSUE OF THESE PROCEEDINGS IN THE SUMBE OF £0.00. THE CLAIMANT CLAIMS THE SUM OF £6000. What is the total value of the claim? £6500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES, NOTICES OF CLAIM.  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?  NO 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?  BEFORE   Do you recall how you entered into the agreement...On line /In branch/By post?  I DONT RECALL   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  NO   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? THE FIRST I RECALL WAS A LETTER FROM LOWELL SAYING THEY NOW OWNED THE DEBT.  Did you receive a Default Notice from the original creditor?  NOT THAT I RECALL OR BEEN PROVIDED WITH THROUGH CCA REQUESTS.AT LAST REQUEST THEY SAID THEY WERE AWAITING THE DEFAULT NOTICE AND NO ACTION WOULD BE TAKEN UNTIL RESPONDED WHICH TO DATE I'VE NOT HAD OR SEEN.  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  NO, I RECEIEVED LETTERS OF CLAIMS   Why did you cease payments?  I WAS UNDER MEDICAL CARE WHICH CAUSED ME NOT TO WORK. AROUND THAT TIME LOWELL HAD WANTED ME TO INCREASE MY PAYMENTS AS IT WOULD TAKE TOO LONG TO CLEAR THE DEBT. I HAD BEEN PAYING THEM WHAT I WAS PAYING THE BANK. I EXPLAINED MY THEN HEALTH & FINANCIAL POSITION AND THAT I WAS UNABLE TO DO SO. THEY PUT A HOLD ON MY ACCOUNT FOR A FEW MONTHS SO I CANCELLED MY DIRECT DEBIT. I MADE A FULL AND FINAL OFFER WHICH WAS REJECTED. WHEN THEY WANTED PAYMENTS TO RESUME I EXPLAINED I WAS IN A WORSE FINANCIAL POSITION, STILL UNDERTAKING TREATMENT AND NOW UNEMPLOYED SO COULD NOT START PAYMENTS AS THEY WANTED. AFTER SENDING MY FINANCIAL SPREADSHEET THEY KEPT SENDING LETTERS ASKING WHAT I WAS GOING TO DO. I COULDN’T SEE A WAY FORWARD I FELT STREESSED AND UNDER PRESSURE SO WROTE THAT I WOULD NOT BE CORRESPONDING WITH THEM ANYMORE.    What was the date of your last payment? NOVEMBER / DECEMBER 2018   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? I COMMUNICATED MY FINANCIAL PROBLEMS WITH THE CREDIT CARD COMPANY, WE MADE A MONTHLY PAYMENT AGREEMENT WHICH WAS KEPT FOR SEVERAL YEARS UNTIL DEBT WAS SOLD.  
    • Perhaps you would care to read this and reflect on your continuing comparison of Israel to Nazi Germany Jugg    ALEX BRUMMER: How grotesque of pro-Palestine protesters to besmirch Auschwitz, the place where my grandparents died WWW.DAILYMAIL.CO.UK As the son of a refugee from the horrors of the Holocaust, I can feel nothing but contempt for the ignorance, gross... My elderly aunt Sussie and cousin Sheindy had been teenagers at Auschwitz and Belsen but survived and are alive to this day. What they will make of the protesters who waved flags, heckled and chanted as Israelis took part in the March Of The Living – the annual walk from Auschwitz to Birkenau – I cannot imagine. The images now circulating of the protesters are indescribably disturbing. They can only bring back memories of those final moments Sheindy shared with my grandparents when my grandmother Fanya squeezed her hand and told her to lie about her age to avoid the gas chambers. Claiming she was older, and could work, meant that Sheindy lived, not died. The outrage perpetrated by Hamas on October 7 has brought back the most terrifying memories for these two women – memories of pillage, mutilation and starvation. The Holocaust, or Shoah to use the Hebrew word, was the deliberate, industrial-scale killing of Jews.  It is bad enough that pro-Palestinian and pro-Hamas sympathisers have chosen to steal the language of the Holocaust.  Any comparison between Israel's retaliation and the monstrous genocide of the 1940s is odious and anti-Semitic
    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
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CPN Vanishing windscreen PCN now PAPLOC - University of Brighton


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There's a fair bit involved...

 

They will effectively be relying on contract law.

They wrote stuff on signs that you apparently agree to by parking.

 

The first thing that occurs to me is that this is not ANPR.

Did they leave a ticket on your vehicle?

 

But first can you follow the instructions in the sticky to help the guys...

 

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  • dx100uk changed the title to CPN Vanishing windscreen PCN - University of Brighton

PDF sorted

you'd left ALL the ref/pcn numbers AND your name showing.

 

so a vanishing windscreen PCN 

they've already got things wrong by sending that

await the notice to keeper

read that sticky carefully upon time limits for the NTK too

  • Like 1

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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yes acknowledged, correct this is not an ANPR and no ticket was left on the screen.
incident took place 07th October, issue date 31st october 2022. so 24 days had elapsed.

Will have a look for what the time limits are for NTK

Regards

CPM PCN received through the post

1 Date of the infringement : 07th October 2022

2 Date on the NTK 31st October 2022

3 Date received Thursday 03 November '22

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? NO

5 Is there any photographic evidence of the event? yes 2 photos

6 Have you appealed? NO

7 Who is the parking company? CPM UK car park management

8. Where exactly: University of Brighton Falmer campus

here is the reverse

cpm reverse .pdf

does anyone here recommend I email the university directly they have an email address [email protected] and ask them to cancel the non enforceable ticket as they have no one on the phones I can speak to...

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I'd await for further advice from the guys on here.

 

The usual is to ignore everything until/unless you get a letter of claim from them.

 

Communicating with them may throw away useful legal protection.

 

As you will have read in the sticky, they've sent their notice too late for ANPR and too early for a windscreen ticket.

 

read a few more threads to get the gist of what happens...

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The idiots haven't respected POFA so that already puts you in a great position.  Don't communicate with them at all.

 

If you want, yep, get on to the university, can't do any harm.  But don't write "I parked", always in the third person "the driver parked" as there is always the risk the university shares the correspondence with the fleecers and your POFA protection gets chucked away.

We could do with some help from you.

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  • 1 month later...

Laugh at this bilge and ignore it.

 

If you don't pay - oh no - they will engage a debt collector - hell's bells - a completely powerless third party - how can you live with this threat?!!!

 

Basically, if you don't pay, we'll get our mate to send you another letter, which you will have to open.  Mind you, it'll be a big letter and it'll take ages to open.  Not really something to keep you awake at night 🤣

  • Haha 1

We could do with some help from you.

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  • 5 months later...

Hi Caggers, so the registered keeper at the time is receiving Debt recovery letters on behalf of the university and I was wondering what Caggers think of Sending the Vice chancellor of the uni a letter asking to cease and desist with the threatening and intimidating letters....

Thanks for any guidance and input, much appreciated

 

Professor Debra Humphris
Vice-Chancellor
University of Brighton
 
Subject: Cease and Desist Request Regarding Threatening and Intimidating Letters from Debt Collectors
 
Dear Professor Debra Humphris,
 
This letter is to bring to your attention a matter of concern regarding the receipt of threatening and intimidating letters from debt collectors on behalf of Brighton University. The sender kindly requests your immediate attention and intervention to address this issue.
 
On [07th October 2022], the car registration visited the University of Brighton's Falmer campus and parked their vehicle in accordance with the parking regulations provided. However, on [03 November '22], the registered keeper received a Notice to Keeper (NTK) from CPM UK Car Park Management, alleging a parking infringement on [07th October 2022]. While it is understood that the university may have contracted CPM UK Car Park Management to oversee parking enforcement, the subsequent actions of the debt collectors have caused distress and concern.
 
Despite the absence of a ticket on the sender's vehicle, they received threatening letters from debt collectors, which included language and tone that can only be described as intimidating. The impact of such communications on individuals can be significant, causing undue stress, anxiety, and potential harm to mental well-being. As an esteemed institution of higher learning, it is believed that it is essential to foster an environment that promotes respect and supports the welfare of both students and visitors.
 
In light of this, the sender kindly requests that you intervene in this matter and take the necessary steps to ensure that all threatening and intimidating letters from debt collectors on behalf of Brighton University cease and desist immediately. It is important to maintain a fair and reasonable approach in dealing with parking infringements, one that upholds the principles of justice, fairness, and respectful communication.
 
It is trusted that you hold a commitment to the well-being of the university community and a dedication to fostering an inclusive and supportive environment. The sender would greatly appreciate your prompt attention to this matter and a response addressing the steps taken to rectify the situation.
 
Thank you for your time and consideration. The sender looks forward to a positive response.
 
Yours sincerely,

xxx

DR+ letters.pdf

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waste of time, and the letters are nothing to do with the uni.

 

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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As DX said the letters from DR- are nothing to do with the University.  Your letter is a good one apart from the the Cease and Desist part of it .If you  add that they are unlawfully adding £70 to the charge you might get  them to cancel the charge. Point out that you are sure that the University would not want themselves to be involved in anything unlawful and doubtless the extra charge was not included in the contract with CPM.

Many Judges have condemned the charge and thrown the case out as being "an abuse of process". Include the letter from DR-  pointing out the £170 charge that is not included on the University signage [I expect that sign says £100 or pretty close to that sum.]

If you weren't the driver say that despite that fact CPM are still pursuing you even though you are not liable as the registered keeper . Their original PCN was not compliant with the protection of Freedoms Act 2012 so they will lose in Court as they cannot transfer the liability from the driver to the keeper.

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  • 1 month later...

hi there,

so sorry that I have only just seen your message, and yes I think is a good idea to email the Dean/ VC and request to get this cancelled as no it it is getting silly as Debt Collection Gladstones are now involved.

Best wishes

update:

17th of June received a Letter before Claim from Gladstones , addressed to the registered keeper of said vehicle.

Regards

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funnily enough yes this has been done before, the strange thing is....that Gladstones sent a text through to the registered keeper and of course how did they get the mobile phone number to text through

Professor Debra Humphris
Vice-Chancellor
University of Brighton
[[email protected]]

Subject: Concern Regarding Threatening and Intimidating Letters from Debt Collectors

Dear Professor Debra Humphris,

I am writing to bring a matter of concern to your attention regarding the receipt of threatening and intimidating letters from debt collectors on behalf of Brighton University. I kindly request your immediate attention and intervention to address this issue.

On [07th October 2022], the car registration visited the University of Brighton's Falmer campus and parked their vehicle in accordance with the parking regulations provided. However, on [03 November '22], the registered keeper received a Notice to Keeper (NTK) from CPM UK Car Park Management, alleging a parking infringement on [07th October 2022]. It is important to note that the registered keeper was not the driver of the vehicle at the time of the alleged infringement. Despite this fact, CPM UK Car Park Management is still pursuing the registered keeper, even though they are not liable for the alleged infringement as the registered keeper.

Furthermore, the registered keeper received threatening letters from debt collectors, which included language and tone that can only be described as intimidating. Additionally, it has come to my attention that CPM UK Car Park Management is unlawfully adding an additional £70 charge to the initial parking infringement charge. This unlawful addition raises serious concerns about the fairness and transparency of the parking enforcement process. I am confident that the University of Brighton would not want to be involved in anything unlawful, and it is highly unlikely that the additional charge was included in the contract with CPM UK Car Park Management.

The impact of such communications on individuals can be significant, causing undue stress, anxiety, and potential harm to mental well-being. As an esteemed institution of higher learning, it is believed that it is essential to foster an environment that promotes respect and supports the welfare of both students and visitors.

In light of this, I kindly request that you intervene in this matter and take the necessary steps to ensure that all threatening and intimidating letters from debt collectors on behalf of Brighton University cease immediately. Additionally, I urge you to investigate the unlawfully added £70 charge and work towards cancelling the parking infringement charge altogether. It is important to maintain a fair and reasonable approach in dealing with parking infringements, one that upholds the principles of justice, fairness, and respectful communication.

It is trusted that you hold a commitment to the well-being of the university community and a dedication to fostering an inclusive and supportive environment. The sender would greatly appreciate your prompt attention to this matter and a response addressing the steps taken to rectify the situation.

Thank you for your time and consideration. The sender looks forward to a positive response.

Yours sincerely,

xxx

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sorry it that a letter you've sent already to the uni?

its not a snotty letter to the sols.

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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REPLY FROM THE UNIVERSITY DEAN'S MANAGEMENT TEAM,

2ND PIECE OF CORRESPONDENCE AND IS LIKE A BROKEN RECORD KEEPS ASKING FOR THE DRIVER AT TIME OF ALLEGED PCN

 

Many thanks for your reply.

 You mention in your first email that the registered keeper on November 3rd 2022 received a NTK from UK CPM, but in your last email you state that the first they became aware of the PCN was via a text message from Gladstones Solicitors, so I am struggling to understand the events that have occurred here. 

 To clarify, PCNs are sent to the registered keeper, as per the details kept by the DVLA. The driver is not contacted as records are not kept of this, and it is the responsibility of the keeper to manage their vehicle and in the case of this, pass information onto the driver if needed.  

Unfortunately, it’s unclear who was driving the vehicle and if they were a university student, staff member or visitor. Can you clarify this please? It is also our policy, as detailed on all signage, that an E-Permit is required to park on campus. There are no records of an E-Permit being in place for vehicle registration XXXXX. 

Blue disabled badges are issued to the person requiring the badge and not to a vehicle so again UK-CPM would have no knowledge that the person using the vehicle was a blue badge holder as the badge was not on display. 

Without an open dialogue between UK-CPM and the registered keeper of the vehicle, UK-CPM as per their terms and conditions that would have been on the NTK would continue to peruse the PCN and escalate the costs accordingly.

Additional costs associated with any further action that UK-CPM have taken or instructed a third party to take are in line with industry guidelines.

 As previously mentioned in my first email, I have asked UK-CPM for their comments and once they have responded I will of course come back to you with any solutions that may be able to help the situation, but this is currently very difficult without knowing the full details and understanding who was using the vehicle.

From the information I have available, it would appear that the PCN has been issued correctly as there was no E-Permit in place and the blue badge was not visible. 

 Mark Burkill Parking and Transport Officer 

Moulsecoomb

University Of Brighton | Estates and Facilities Management


 

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You need to send a snotty letter to Gladstones & UKCPM to put them off taking you to court.

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

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send snotty letter anyway.

so was/is the driver a student at the uni?

and is that person the RK?

if not who is the RK in relation to the driver?

 

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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