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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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Link/Kearns Claimform - old Barclaycard debt - Now N244


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eh?

how can they have a judgement? theres been no hearing?

unless you didnt file that defence on MCOL by the 18th?

go check claim history.

 

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 think kearns have made a mistake if thats the case.

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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This is my MCOL history so far:

Recent Transactions for Defendant

 
Claim Status

A claim was issued against you on 18/04/2023

Your acknowledgment of service was submitted on 04/05/2023 at 19:38:50

Your acknowledgment of service was received on 05/05/2023 at 08:05:19

Your defence was submitted on 19/05/2023 at 06:35:57

Your defence was received on 19/05/2023 at 08:05:31

 

Could it be down to the fact it wasn't served to Kearns in time? I'm assuming it goes by the above receipts date and time.

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i doubt it, and them not getting it by the minute is immaterial.. you are a Litigant in person (joe public against the system) a certain leeway is always given,. if there were judgement, it would show.

i think kearns (as they do) are pulling a fast one to scam you. 

they can see mcol too. so..

nothing unusual for link/kearns...worst scammers/ fleecers out there,

if you wish you could ring northants bulk and check.

 

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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Quite clearly states....

Your defence was received on 19/05/2023 at 08:05:31

Impossible for them to have judgment ...ignore or save to attach to your statement and refer to their intimidation and bring it to the courts attention.

  • Like 1

We could do with some help from you.

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I’ll call Northants Bulk to see what they’ve recorded. Then best to add a thread on my MCOL records? 
I know if I did pay it off within a month the CCJ is taken off the record so how do I play it from here? 
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see what they say 1st eh?

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

Today, after 4 wasted lunch-hours (Why does HMCTS only open normal office hours when we are all trying to earn money at the same time to pay off the debts?!!!) I finally got through.

They confirmed no such action has been entered against me, no CCJ and all I have done so far is above board and recorded.

Kearns have yet to respond to my defence.

So, scammers/fleecers they seem to be then.   

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And to day is the 28th day since you submitted your defence ...the claim is now stayed.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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:pound:oh that was so unexpected...

thats Paul and Selina Burdell, for 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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  • 3 months later...

Open

 

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  • 2 weeks later...

Hi All, 

Hope everyone is well. It's been a while, but just had an A4 envelope thud on the doormat today. 

Looks like the game's up and I will have to sort out a repayment of some sort.

Kearns have considered my defence which I 'filled' (and they spelled that wrong twice!) and their client "does sympathise with my situation", but they have kindly "offered me the opportunity to settle the matter without the need for further court action"

In response to me requesting copies of the original documentation, they have also sent those. I don't seem to have the original Notice of Assignment which is unusual as I am careful with filing my documents. 

So, short of paying the full amount owed, plus costs accrued so far, is there any other avenue I can explore?

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why do you keep thinking your game is up everytime you get a threat-o-gram.:noidea::nono:

have you not been reading up during the quiet periods so you get an overview of how low Link will go to frighten you and their tactics...we are sELF HELP TOO.

 

what you have is a very std letter sent for every claim.

scan up everything to one mass PDF let US decide NOT YOU. 

the claim is stayed  and will cost them upto £275 to lift the stay....

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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  • 3 weeks later...

they say they enclosed:

a Credit Card Application and Terms and Conditions  - NOPE they have NOT.

all they have done is included 2 sets of Terms and conditions with your name and address (is this the correct address for 18/07/2006?) at the top.

there's no dates on either of them, no signature from you on either and no signature or stamp from BC accepting the agreement on either  even if they were agreements...

they could have come out of Links filing cabinet and they inserted your details themselves . but eitherway neither are an enforceable Consumer Credit Agreement.

from page 12 there are two 2 pages of the well known 6620000000 T&C's which lost Hoist Uk lost SOOO many court claim over, that are well documented here , 30+ pages are missing but that is irrelevant.  type in 66200000 or claimform hoist barclaycard here and you'll see why.

Hoist UK are another DCA that raised so many BC claimforms that failed that their main group owner sold the uk branch off to another DCA as they lost so much money for the group in buying a portfolio of old BC debts they could never win on as NO paperwork ever existed. BC do not keep signed agreements and never have. 

see. PRA Letter of Claim - now Fast Track claimform - old barclaycard debt - now n244 - Page 6 - Financial Legal Issues - Consumer Action Group

.....

just like the below stunt.  

On 06/06/2023 at 20:41, Newdogg06 said:

"Dear Mr Newdogg06,

Thank you for taking the time to contact us regarding your previous Section 77/78 request, as part of the Consumer Credit Act (CCA) 1974.

Following a further review of the account in question, I can confirm that a County Court Judgement (CCJ) has been obtained in May 2023 and therefore the account is considered enforceable.
As such we are not required to comply with your more recent request.
If you have any further queries, please do not hesitate to contact us.
Yours Sincerely,
Brinda Mauree Complaint & Dispute Resolution Team"

i see they've included their already filled 'confession letter' to try and convince you even further they are the almighty...sorry Paul Burdell you are NOT. 

.............

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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  • 6 months later...

Hi All,

I've just had the inevitable N24 and other paperwork arrive. I've read other examples on here and I think I understand the steps to follow. I have until the 28th May to return the N180 Small Claims Direction Questionnaire, I also have an N244 Application notice copy.

I read an update on a case you kindly put a link in for me to read. Turns out they lost in court and are now struggling. I really don't want to get to that stage and am thinking mediation may be the way forward? Thoughts please?

Pretty sure I've missed the 7 days to have the order set aside

For reference, this is what I received:

Dated 8th May

Before Deputy District Judge Baker sitting at the Civil National Business Centre, 4th Floor St Katharine's House, 21-27 St Katharine's Street, Northampton, NN1 2LH

 
The Court will deal with the application to lift the stay without hearing under CPR 23.8(c)
 
It is ordered that:
 
The Application to lift the stay and for direction questionnaires to be issued is granted.
 
Because this Order has been made without a hearing, the parties have the right to apply to have the Order set aside, varied or stayed. A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this Order. If the application is one which requires a hearing, and
 
a) the party making the application is the Defendant; and
b) the Defendant is an individual,
 
then upon the filing of the application the claim will be transferred to the Defendant's home court. In all other cases requiring a hearing the claim will be transferred to the preferred court.
 
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we need the full n244, their witness statement and ALL exhibits to one mass PDF please

we do not need statements or blank forms or info leaflets.

that case you refer too was a case of judge lottery. means nothing toward your good chances

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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On 15/05/2024 at 19:54, Newdogg06 said:

Pretty sure I've missed the 7 days to have the order set aside

You cant really oppose an application to lift the stay only be stayed for 11 months....claim is proceeding.

 

 

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 OTHER

 

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FYI I've had a copy from Kearns arrive today of the DQ from the claimant agreeing to referral to the Small Claims Mediation Service and without a hearing.

I am a bit wary of the two replies above from you both.

Which is the most relevant and most urgent to action?

I'm away from Sunday the 19th to Wednesday 22nd working abroad and am conscious there's a bank holiday the day before the deadline so it doesn't give me much time to collate and post relevant paperwork either to you or the parties involved.

Do I just fill in the N180 and post? 

Apologies for my ignorance, It's out of my comfort zone!

Also my case seems to be over the £10k barrier?

 

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Need to get your DQ in - it's your opportunity to have a say in what happens next!

It should then transfer to local court, who will look at the DQs and determine next actions.

Fairly self-explanatory and there are guidance notes on the site here.

My Asset/Link/Kearns case was reviewed a couple of weeks ago after transferring to local court and they have been ordered to provide a new CPR-compliant Particulars of Claim, Original Agreement, Deed of Assignment and Notice of Assignment. They have six weeks to comply or it's struck out. As with your case they are relying on a generic print out of an agreement with no personal details or signature.

Don't give the courts a chance to make any decisions without your input and get that N180/N181 in!

Your call as to whether you want mediation - given the lack of evidence from them there is probably no point as you can't mediate an account that appears not to exist.

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sorry but we need the full n244, their witness statement and ALL exhibits to one mass PDF please to properly advise.

we do not need statements or blank forms or info leaflets.

if Kearns have sent you their N180 then....


https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#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 (that the issues are so complex they need to be argued orally')

the rest is obv

1 to the court

1 to their sols (omit phone/sig/email) if no sols send to claimant

1 for your file

.................

if they've sent an N181 please advise here.

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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3 hours ago, Newdogg06 said:

Do I just fill in the N180 and post? 

Yes

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thank you. 

I have filled them out, about to post. D1 answered as 'No' as per dx100uk's reply.

Does it make any difference that Kearns haven't filled any of my copy of the N180 out other than the 'CNBC' and the claim reference, out of interest?

 

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