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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the fine dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, so I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant   1 Date of the infringement 24th May 2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024   3 Date received 5th June 2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N   5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land.   6 Have you appealed? [Y/N?] post up your appeal] N   7 Who is the parking company? MET   8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE   For either option, does it say which appeals body they operate under. POPLA Anyway, I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No 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? I believe I sent a letter by registered mail of a change in address to abroad in 2021. 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 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) 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? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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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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UKPCLtd/DCB legal ANPR PCN claimform - McDonalds Baguley 1062 673 Altrincham Road, Wythenshawe M23 9AA.


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The sign is totally prohibitive...

 

"Private Property - No Unauthorised Parking"

 

With no indication of how to become "authorised".

 

And further down... "for the use of McDonald's customers", but still with no instructions on how to become "authorised".

 

We could do with some help from you.

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Think the Authorisation is implied by the fir use of macDonalds customer's, however how do they know if someone goes off site, if not an attendant and is CCTV that's a whole other GDPR can of worms they have opened for themselves.

We could do with some help from you.

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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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There are three pictures sent by the solicitor of the same signage at various points in the car park. Can’t confirm if there is specifically one at the entrance. Is that a huge deal if they are prominent in the car park? 
 

Based on what the solicitor has said does the proposed defence need amending? Has to be submitted this week. 

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no you file the std defence, dont play any of your cards giving things away.

 

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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The driver has to be made aware before entering the car park that it is private land and terms and conditions are to be observed. The sign should include who the ATA is so yes the Entrance sign is important.

 

BPA Code of Practice

"19.2 Entrance signs play an important part in establishing a parking contract and deterring trespassers. Therefore, as well as the signs you must have telling drivers about the terms and conditions for parking, you must also have a standard form of entrance sign at the entrance to the parking area.

 

Entrance signs must tell drivers that the car park is managed and that there are terms and conditions they must be aware of. Entrance signs must follow some minimum general principles and be in a standard format.

 

The size of the sign must take into account the expected speed of vehicles approaching the car park, and it is recommended that you follow Department for Transport guidance on this. See Appendix B for an example of an entrance sign and more information about their use. A standard form of entrance sign must be placed at the entrance to the parking area.

 

There may be reasons why this is impractical, for example: • when there is no clearly defined car park entrance • when the car park is very small • at forecourts in front of shops and petrol filling stations • at parking areas where general parking is not permitted"

 

AND

"19.7 You should display the BPA’s AOS logos at all sites. This will help the public to see that you are a legitimate operator, and show that the site is run properly".  

 

No sniggering at the back.

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defence to file is further down in the Q&A sticky you filled out 

don't file early mind..

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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Defence proposed below will be submitted tomorrow (33 days will be up this weekend).

 

The Defendant contends that the particulars of claim are vague and generic in nature and fails to disclose any offence and which fails to comply with CPR 16.4.  The Defendant accordingly sets 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.  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 the landowner and the terms of entry are 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.  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.

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  • 1 month later...

Ok,

we’ve received a letter now stating after reviewing defence they intend to proceed with the claim.

 

They also in the letter state their client maybe prepared to settle and to call within 7 days to discuss.

 

They’ve also sent their completed directions questionnaire saying they’re willing to mediation and they’d like it to be at their claimants home court. 
 

Thoughts?

 

Bear in mind my brother probably won’t fancy attending a court hearing 

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std letter everyone gets if you go read a few pcn claimform threads 

doesnt mean they are going to send it to the court and progress the claim.

 

go look at the claim status on mcol

 

i bet it says nothing about the court sending DQ's out yet.

 

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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Ok, so on mcol nothing has changed since defence submitted on 1/12/22. Does this mean that as 28 days have passed that the claim should now be stayed? 
 

Assume then advice is to do nothing yet? 

Edited by prestton
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we know there are huge delays at northants bulk, always is this time of year.

 

give it a week or two.

keep an eye on mcol for dq sent to claimant .....date

dq sent to defendant ..date.

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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Their idea of a settlement is a tenner off the claim if that probably.

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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1 hour ago, prestton said:

Bear in mind my brother probably won’t fancy attending a court hearing 

To be blunt - tough.

 

If he didn't fancy court then he should have paid the fleecers their £50 in September 2021.

 

He needs to concentrate on winning the court case.

We could do with some help from you.

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Point taken.

 

But this is civil court, not criminal.  None of the intimidating figures in wigs.  More like a job interview with a person in a suit (the judge) asking both parties to state their case and then making a decision.

 

It just seems bizarre that the fleecers have given him the chance to make this go away when it was £50 then £100 then £160 - and now the figure is £270 he suddenly wants to negotiate with them.

 

I recently had to work out CAG court victories over the last two and a bit years with one of the PPCs, and it was over 80%.  So he has an 80%+ chance of winning in court if he prepares his case properly.

 

Alternatively he can negotiate with the fleecers, presumably they'd drop the interest part (also because the judge would never allow most of it) so that'd £25 off so £245 at a guestimate.

 

His call.

We could do with some help from you.

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I’ve been to civil court in the past with debt collectors so it doesn’t phase me. But he’s not the same.

 

I’ve advised him to hang fire for now.

 

It was just a question on whether it was worth it?

I didn’t think it would be but felt worth asking, I’ve advised ignoring it all until the claim was received.

 

We’ve done everything so far advised (procedure took me back 10 years to debt collector times) , AoS, defence at the appropriate time etc but still not gone away yet.

 

Will see what transpires next 

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  • 2 weeks later...

Ok, so DQ now received from the court. I assume the answers are as follows 

 

A. Yes to mediation 

B. Complete contact details

C. Yes to small claims track

D. ? to Determination without a hearing (not sure on this one) 

E1. Local court

E2. No to written evidence 

E3. No to witnesses 

E4. Complete dates not available 

E5. Nobody vulnerable. 
 

Copy to court and claimants solicitor 
 

Advice gratefully received 

Edited by prestton
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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 (read all the posts in N180 link above for the reason)

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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It is for a private parking ticket so what is the reason for saying no to mediation in that specific case, might the court look upon that badly?


Similarly in Andy’s note it mentions saying no to suitability for determination if you have witnesses etc to dispute factual matters but I’m not sure that applies here?

 

Might it be easier for my brother (who’s not too well) and might find even civil court intimidating to present the arguments remotely? 

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