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    • Oh yeah... So there is. ..    Hopefully it won't try to upgrade 😂😂
    • There's the ability to download origin for macOS Mojave and older right on the EA Website. www.ea.com/origin-for-mac      
    • Hello All, I was hoping for some help with a  Claim Form received yesterday 15h May 2024.  I have read lots of threads but I just want to check what I am doing. I have acknowledged service noting my intention to defend all of the claim and I have left the contest jurisdiction un-checked. I will today/tomorrow issue a CCA request with a £1 postal order to the claimant and a CPR 31:14 to the solicitor.  For the CCA which section should I use? I am not sure which section Paypal Credit would come under. If the claim was issued on the 9th May am I correct with my defence filing date of the 11th June? Is there anything else I need to do? Thanks in advance   Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? Lowell Portfolio I Ltd How many defendant's  joint or self ? Self (just 1) Date of issue –  9th May 2024 Defence filing date: Tuesday 11th June?? Particulars of Claim What is the claim for  The claim is for the sum of £255.69 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a PayPal account with an account reference of xxxxxxxxxxxxxxxx)  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 has not been complied with. The debt was legally assigned to the claimant on 15-09-21, notice of which has been given to the defendant. 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 £0.00. The Claimant claims the sum of £255.69 What is the total value of the claim? £340.69 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PayPal credit account When did you enter into the original agreement before or after April 2007 ? After April 2007  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, shows as defaulted.  Registered when it was bought by Lowell 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? Cant find a letter that say so Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Not sure Why did you cease payments? Financial difficulties and mental health issues What was the date of your last payment? ? Mid 2019 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
    • In addition to the advice and questions asked by my site team colleague above, where did you get the template from which you used to reply to the letter of claim?
    • should have come here first really. What you requested was a load of irrelevant twaddle. What was the original debt? Have you moved since taking it out? If TM Legal are chasing, that should means that Perch own it now? Did you get the letter of claim by email or post? You should kill the emails immediately.   
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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It's difficult to advise what to do because there are so many ifs and buts.

In the majority of cases where a PPC start a court claim they go all the way to the final hearing.

However, in a minority of cases, and by no means a tiny minority, they have no real intention of going all the way to a final hearing. They know their case is rubbish and they know it will cost them a hefty wad to send a solicitor to court (remember solicitors' costs are capped at £50 at small claims).  They pretend they are going all the way to court to intimidate the motorist into giving in.  Yes, the pretence often includes paying the hearing fee.  Yes, UKPC often do this.  And no, they haven't produced a WS (so far).

I suppose it depends on how much you have spent on flights (and accommodation?) and if this is refundable v the approx £250 at stake if you lose the case.

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

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I am sorry about getting your status mixed up. 

I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable.

So on your No keeper Liability section 

You may prefer  to alter 13 to 

  . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails.

See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.

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With LFI's change your WS is good to go.

E-mail the court theirs.  In the subject field put the claim number, the names of the parties, the hearing date and "Witness Statement".  Click on Return Receipt.

Send UKPC theirs by 2nd class post - all they are worth - and get a free Certificate of Posting from the post office.

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We could do with some help from you.

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Don't do anything hasty re the travel plans.  I'm at work now but have a break in an hour and a half's time so will scribble then.

We could do with some help from you.

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1 hour ago, wv600 said:

If PPC decide not to go to the final hearing, will I only find out on the day?

We can never be 100% certain, as we're outguessing the other side, but it's highly likely that over the next couple of days something will pop through your letter box.  Either -

1.  their Witness Statement, and you'll know you'll be in court on 16 May, or

2.  their Notice of Discontinuance.

If you able to I would hang on a couple of days before changing your travel plans.

We could do with some help from you.

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Thanks FTMDave, I'll hang on for now and post any updates.  

WS has been posted to UKPC, 2nd class with certificate of posting.  

Will email the court now.  Do I also need to post a copy to the court?

 

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I am sorry about getting your status mixed up. 

I have noticed one thing. On their claim they are only pursuing you as the keeper-I think it is  on their Point C that the driver did not pay , so the keeper is liable.

So on your No keeper Liability section 

You may need to add 8a after 8.

 8a  . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  pursuing the keeper . when the PCN does not comply with PoFA must mean that their claim fails.

 

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So, just an update...

Received the WS pack from UKPC in the post on Friday, so looks like I'm going to court on 16 May.   I shall scan and attached the documents a bit later

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Please see below for the Witness Statement from UKPC received in the post on Friday, 3 May.  The letter is dated 1 May 2024.

I am also including Exhibits 1, 2 and 3.   The remaining exhibits relate to the PCN's and other correspondence already posted on this thread.

The most glaring mistake for me is in Exhibit 2 (UKPC's OWN copy of their signage), NOT SHOWING that parking is not allowed between 22:00 and 08:00.  Note that this restriction IS showing on the draft sign approved in the contract between UKPC and their client.

Also, the site plan in Exhibit 1 shows signs against the wall of the building (depicted by a "W"); whereas the picture in my witness statement clearly shows no signs visible on that particular wall.

I look forward to hearing everyone's feedback on this!

 

 

Claimants WS.pdf

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12 minutes ago, wv600 said:

The most glaring mistake for me is in Exhibit 2 (UKPC's OWN copy of their signage), NOT SHOWING that parking is not allowed between 22:00 and 08:00. 

That would be the sign for Rom Valley Reatil Park :-)

We could do with some help from you.

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Bethany seems a new kid on the block, I hadn't read her stuff before.

I will applaud her for keeping her WS mercifully brief.  Generally we have to plough through pages & pages of waffle.

It all seems quite simple.  She says there were signs (para 7) yet your WS shows these signs were not there. 

Then her para 8 mentions your "offence" which is absent on the signs she produces.  One of these signs limits your stay to two hours, the other one to three hours, and you obeyed these regulations.

BTW, what have you decided about court attendance?

We could do with some help from you.

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FTMDave, I have decided to go to court....was hoping I wouldn't have to but haven't come all this way to give up now....

The flights are costing a fortune to change, so holding off on that for now in the hope that UKPC may still withdraw.   Not holding my breath though....

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1 hour ago, wv600 said:

The most glaring mistake for me is in Exhibit 2 (UKPC's OWN copy of their signage), NOT SHOWING that parking is not allowed between 22:00 and 08:00.  Note that this restriction IS showing on the draft sign approved in the contract between UKPC and their client.

"Draft" is spot on. They didn't actually manufacture that sign.

The pics of actual signage you posted from Google spyview earlier are exactly the same as their exhibit 2.

 

Depending on the OP's stamina and hate level, I can see a good GDPR claim looming.😆

We could do with some help from you.

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54 minutes ago, wv600 said:

The flights are costing a fortune to change, so holding off on that for now in the hope that UKPC may still withdraw.   Not holding my breath though....

I forgot about this.^^^

Guys, I know it goes against the grain, but is it worth a letter to UKPC pointing out their lack of signage as a gentle nudge to discontinue?

It could save the OP some grief and expense...

We could do with some help from you.

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Just thinking out loud.

You could e-mail a Supplemental Witness Statement to the court and to UKPC specifically ridiculing the signage and adding that you will request an unreasonable costs order including your preparation time at £19 for five hours.  In the hope they might throw in the towel.

Normally we would never advise such a thing as you would be playing your cards far too early.

But then, thinking about your flights ...

Just an idea.

 

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We could do with some help from you.

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I think playing cards early in this case is not a problem Dave.

The idiots have referred in their WS to a sign that does not have the out of hours restricion on it.

AND that signage is actually in place.

There is no way they can refute that evidence.

We could do with some help from you.

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Another part is para 13 where they try to go behind Beavis as the £100 was judged to be inclusive of debt recovery and the extra £70 is a Penalty in all but name, but as stated by other's the signage is pants.

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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Posted (edited)

Thank you all for your replies.

I am really interested in getting this claim thrown out due to my travel plans, so have drawn up the following supplementary WS in word format (personal details removed) for easy editing.

I would appreciate any advise/guidance on if/how it can be improved.

many thanks in advance

 

Supplementary WS.pdf

Edited by FTMDave
Personal details removed
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