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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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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G24 ANPR PCN - appealed - Robin Retail Park, Wigan


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Do as suggested write  keep a digital copy of the letter and post it at Post office and get a free proof of posting take a picture of that as well and file it safely

 

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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The PCN you posted would not be worded the same as yours. they were late obtaining that driver's data so they could not apply the rules of the protection of freedoms Act 2012 to that PCN. your PCN was posted within the 14 day limit so you would be subject to PoFA 2012 other than they may not have complied with the Parking Period requirement. 

Uner the Act the PCN should include the period of parking on the notice. they have not done that although they have shown the times you entered and left the car park on their photos. but that is not he same as entering them on the PCN . In any case driving from the entrance to the parking spot and then from the parking spot to the exit could not be described as being parked so if your PCN was worded the same as that one you posted it would be compliant with PoFA and so you as the keeper would not be liable for the debt.

If you cannot locate your PCN it would be best to sand ham an SAR to resolve that problem since if you are not liable for the charge that means you can relax a nd ignore all the rubbish they will send to you.

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  • 2 weeks later...

Just received the following response from them after telling them I wasn’t the driver.

 

Thank you for your recent correspondence.

You have stated that you were not the driver of the vehicle at the date and time of the breach of the contractual terms of the car park, however you have failed to inform us who was. 

Judge Ackroyd, 2008, Oldham Court, Combined Parking Solutions versus Mr Stephen Thomas, in the case where Mr Thomas claimed not to be the driver, but did not state who was, ruled that on the balance of probability he was the driver and ordered the Charge to be paid plus additional court costs.

If, at the end of the period of 28 days (beginning with the day after the date on which this correspondence is issued), you have not complied with the above, then we have the right to take recovery action against you.

You received a parking charge because the driver breached the terms and conditions of parking - and is therefore liable to pay the amount of a parking charge stated on our signage.  We also refer you to Schedule 4 of the Protection of Freedoms Act, which sets out the legal basis upon which we may demand payment from the vehicle’s registered keeper if the driver fails to pay us the parking charge.

We have taken into account your appeal and requested additional information from you to investigate further. Your appeal will only be re-considered if you provide this information within 14 days, otherwise no further investigation will be undertaken.

You now have one of the following options available to you:

1. Pay the outstanding Parking Charge. Payment of your Contractual Parking Charge Notice can be made via the payment line: 0333 733 3000 or by sending a cheque or postal order to G24 Limited, PO Box 3320, Gerrards Cross, Buckinghamshire, SL9 8WT.

2. If you believe this decision is incorrect, you are entitled to appeal to The Independent Appeals Service (www.theIAS.org), The Independent Appeals Service provides an Alternative Dispute Resolution scheme for disputes of this type. As you have complied with our internal appeals procedure you may use, and we will engage with, the The Independent Appeals Service Standard Appeals Service providing you lodge an appeal to them within 21 days of your first rejection.

3. If you choose to do nothing, we will seek to recover the monies owed to us via our debt recovery procedures and may proceed with Court action against you.

 

 

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I've just done a search for G24 threads on the forum.  I stopped reading after the first 50.  In none of those 50 threads have G24 had the gonads to take the motorist to court.  There are no guarantees of course, but they rarely do court.  This surely is the most important thing.

Writing to G24, indeed to any private parking company, is a waste of time - at best.  They will never accept your arguments and will continue to pursue you for £££.  Ar worst it will encourage them to refute your arguments in the hope you will give in and means you are more likely to end up in court!

Stop the communications with them.

But come back here if they ever send a Letter of Claim.

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We could do with some help from you.

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They are stuffed if they did do court as that 2008 case is no longer relevant due to POFA 2912  in any case there is no legal duty on a Keeper to name a driver for a Parking Charge Notice and the case many fleecers relied on  Elliott v Loake Criminal so inapplicable to Contractural cases and CPS v AJH Films, employer/employee so again not applicable have been kicked ouit as proofs many timesw.  They really have nowhere to go with this.

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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  • 2 months later...

An idea.  Have you still got receipts or bank statements for purchases you made that day at the retail centre? 

We could do with some help from you.

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No, unfortunately not. I went with my mother though and my 2 year old son. We went to the pharmacy, did some shopping and had lunch.

I’m a little bit worried that they seem to be naming me as a driver even though the driver has never been identified in any of my correspondence.

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Why are you worried?

If this goes the distance they will need to show the evidence that you have been named as the driver by the RK.

Has the RK actually named the driver?.. Ermm, that'll be... Nope!

They can still carry on calling you "the driver"... Doesn't mean nowt!

Maybe you should henceforth call them "idiots", because they have now been named... by me!😅

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Yes they will keep on doing that even though they have to prove it they use it as a frightener, thankfully the Jusecond is criminal so again inadmissible if they try them if they have messed up on POFA its an  almost automatic fail for them.

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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5 hours ago, Dadbod1 said:

No, unfortunately not. I went with my mother though and my 2 year old son. We went to the pharmacy, did some shopping and had lunch.

OK, I had tracked down the owner of the retail centre and I was thinking you could have pushed them to have the charge cancelled - if you had lots of proof of spending dosh there.

We could do with some help from you.

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The wording of your PCN compared to the previous one is totally different. Both wrong, but totally different. Do you have the other side of your PCN? If so could please post it up.

At the moment both PCNs do not comply with the Protection of Freedoms Act 2012 so you as keeper are not liable to pay the charge. Only the driver is. As long as there is nothing on the back of your PCN to contradict what I said.

I know they quoted a case where they won in which they say the keeper said he wasn't the driver but the Judge  declared that he reckoned he was the driver. However in that case it wasn't a two hour free car park but a permit controlled  Church land. The keeper admitted that he and several drivers had used his car to park there so couldn't be sure if he was the one who parked on that day. He also said that he had not seen the signs.

If he had been there several times then it is reasonable to surmise that he had seen the signs and understood them So the Judge doubted his veracity . As he was aware that the ground was permit controlled and had made no attempt at obtaining a permit the JUdge took a dim view of his behaviour and found him guilty. 

Yours case is nothing like his and as you are definite that you were not the driver it is highly unlikely that you will be found guilty. But I think you should go in at them strongly demanding that they provide the evidence that you said you were the driver since you have always maintained hat you weren't and would like to have a record for the Court that what they declared is wrong.

You have never stated that you were the driver and would like them to withdraw that statement or produce the evidence. Should it get that far as Court you do not want the Judge to think you might have been the driver so you have to tackle it head on straight away so the Judge knows the situation.

By adding the  piece about Judge Ackroyd they are trying to get you worried that you could lose because your Judge might not believe you and also a nudge to your Judge that it is possible the the keeper and driver are the same person.

This is confirmed by Judge Ackroyd in that case-

"The first issue to decide is the issue of identity. The claimant, of course, has to prove its case on the balance of probabilities. It is not to be proved beyond a reasonable doubt; it is on the balance of probabilities, which is the civil standard of proof and the court has to be satisfied on that standard whether the defendant was the person who parked his vehicle. There is no identification evidence, nobody saw him park, he parked early in the morning when in all probability it was dark. He was not seen to drive away his vehicle. The minister cannot provide identification evidence."

The Balance of Probabilities. They have to provide something that helps prove you were the driver.  And it may be that from your phone for instance, you could prove that you were nowhere near the car park at the time of the alleged breach.
 

Confront them and point out that Courts do not believe that the keeper and the driver are the same person 

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On 12/06/2023 at 08:24, Dadbod1 said:

Judge Ackroyd, 2008, Oldham Court, Combined Parking Solutions versus Mr Stephen Thomas, in the case where Mr Thomas claimed not to be the driver, but did not state who was, ruled that on the balance of probability he was the driver and ordered the Charge to be paid plus additional court costs.

also is this via an email?

dx

  • Thanks 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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well you need to kill that email comms going forward else they'll abuse it if this ever goes to court. well revisit this if it does..

13 hours ago, lookinforinfo said:

And it may be that from your phone for instance, you could prove that you were nowhere near the car park at the time of the alleged breach

google location servs etc? can you?

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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8 hours ago, Dadbod1 said:

So, lookinforinfo has suggested that I contact them, is this the best course of action or should I continue to ignore?

Well, it's up to you.

However, as G24's MO is to come out with lots of threats but eventually give up, I don't see any point in poking them with a big stick.  Personally I'd let sleeping fleecers lie.

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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There is nothing on the back of your PCN that relates to making the PCN compliant. Therefore as keeper you are not liable. The driver of course is still liable.

If you are not going to confront them about Judge Ackroyd now, then please it make the point in your WS. It is kind of rare for Judges to say that the keeper and driver are the same person. So by them sating that case it is designed to scare you  but more importantly it might encourage the Judge to come to the same conclusion in your case. Whereas the Court normally take the stance that the keeper and driver are not the same person as Judge Ackroyd stated in post 40. Please reread and repeat in your WS what he said as it is important that your Judge gets the picture.

 

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Thanks! I though it was that but couldn’t be sure.

So, I think I’m ok here. I have never named the driver so they don’t know who it was, and their original letter arrived out of time to take action against the keeper. I’m starting to worry a little with the mention of court and a judge, but I don’t think it will get that far without any evidence surely?

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