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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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NCP PCN - Wrong reg - Gatwick drop off


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Can anyone give me a template or a pointer for referencing legislation/code of practice for a NTK that was outside the 14 days, please.  Or do I simply appeal on the basis it "was issued outside the 14 days" without the need for legal reference. I don't want to make a daft mistake on an open goal.

It was Gatwick airport drop off.

'Incident' was late June and NTK issued early August.  I'm being deliberately vague.

Driver had actually paid but used the wrong reg (2 vehicles available). They have offered a £15 goodwill gesture - but we're not paying twice.  If the appeal was based on the wrong reg being used, I anticipate being told it was driver error and the PCN stands.

 

Thank you

 

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Gatwick drop off is well known to us.

NCP - because it will be NCP - can issue their invoices after 4 days, 14 days, 24 days, 34 days or 1,444 days like any private company.  That is not a ground of appeal.  It's perfectly lawful.

What they cannot do if they haven't respected the 14 days is use Schedule 4 of the Protection of Freedoms Act to transfer liability from the driver to the keeper .

Courts consider inputting the wrong registration, when payment has been made, as "de minimis" AKA "the law does not deal with trivialities".

All this puts you in a great position legally.  But don't think for a minute that there is a magic way to make the ticket go away, you'll have to be in it for the long haul.

We could do with some help from you.

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That is up to yourself, they can be seen off but as DX says be prepared for a long haul, it depends how you personally feel about HCP and its fleecing ways. Its up to you whether you want to pay.

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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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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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Depends on your principles.

As Dave has already hinted, IF the fleecers tried court, you are in a very good position legally to bat them away.

However,  it'll take some time to get there and you'll have half of the amazon forest landing on your front doormat in the form of "scary" letters.

Pay, and it will go away,  or ignore and hope they aren't stupid enough to do court... your choice.

Did you out yourself as the driver when you appealed and got the £15 offer?

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We could do with some help from you.

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Thank you, all.

No, Nicky. I didn't.  I haven't been in touch with them so far.  The NTK arrived yesterday.

I'm going to pay it and then argue the toss about the fiver that I did pay in June.  If they won't agree to refund it, I'll get a chargeback from my bank.  That makes it a net loss of a tenner.  Annoying but it's only a tenner and to save all the aggro, I'll just put it to bed.

I'm down to one vehicle now so there won't be a repeat performance.

Thanks again.

 

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You likrly will get nowhere with that once you pay they aren't interested and have already moved on top a fresh victim.  But if you feel lucky its up to you.

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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  • dx100uk changed the title to NCP PCN - Wrong reg - Gatwick drop off

please complete this:

 

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 questionnaire might enlighten us regarding any appeal. please complete it.

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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On Moaning Crusader's thread they mention "the £15 reduced charge".

Edited by FTMDave
Typo

We could do with some help from you.

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My point is, depending how the goodwill gesture was worded, it may well be an out and out admission that the original fee was paid.

If so, that's a slamdunk in any action the fleecers might contemplate

And because the OP wants a quick resolution, it may be worth an early snotty letter pointing it out?

We could do with some help from you.

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Yes they might have found the transaction but are too greedy to cancel completely  agree Nicky Boy with a early snotty letter.

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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Nicky, the goodwill gesture was because "it was the first time I had failed to pay" - or similar. 

They had no idea the fee was paid for another vehicle, so as much as I'd like to think it was an act of greed, there is no connection to me via that vehicle beyond insurance.

 

Edited by GreenBadge
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So, have you paid it, or do you want to fight it? You originally asked if we had a template letter, or pointing at rules on the 14 day limit to issue a NTK.

Protection of Freedom 2012 act is the legislation. The fleecers own ATA code of practice also mention it.

However, as already mentioned, appealing is invariably a waste of time and you could inadvertantly also throw away your POFA 2012 protection. (It isn't a simple 14 day "time limit").

If you want help to fight the charge, fill in the sticky that dx pointed to in post number 8.

I will say that if the team are to help, you'll have to be far more engaged with the thread than you have been so far.

There's no magic button to just make it all go away... except just caving and coughing up the cash.

We could do with some help from you.

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Apologies for my absence.  Tough week.

I have paid the £15.  It boils my blood but I just can't be dragged down by this. I've got too much else going on.  If it was more than £15, I might have made a fight of it.  I do appreciate everybody's help.  Thank you, all.

That said, I have done the questionnaire.

I'm very careful where I park and how I drive to avoid PCNs and MTVs.  I'm annoyed with myself that I used the wrong reg.

I haven't scanned the PCN as it's paid and done. 

The wording for the bit about the 15 quid reads "As this is the first contravention which this vehicle has incurred at Gatwick Airport (which is correct) in the drop off zone ... as a gesture of goodwill Gatwick Airport have discounted the parking charge to £15 if paid within 14 days"

I haven't had a PCN for a long, long time but I do keep on top of the rules and tricks these dogs pull to snare to people.  I thought this would be a simple appeal based on being 'out of time' and wanted to get it right.  Appears to be more complicated and I can't justify the aggro for £15.

Anyway, thanks again everybody.

 

1 Date of the infringement      26.6.23

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 4.8.23
 

[scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s

 

3 Date received 11th August, I think
 

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? very close photos of reg no. Nothing that shows the vehicle at the scene.
 

6 Have you appealed? [Y/N?] post up your appeal] N
 

Have you had a response? [Y/N?] post it up n/a
 

7 Who is the parking company? NCP

 

8. Where exactly [carpark name and town] Gatwick N terminal drop off.

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Totally understandable.

Good luck for the future and don't forget to refer others here if they have similar problems.

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BTW,

hope you did a chargeback on your card. After all, the vehicle you paid for didn't actually use the car park...

We could do with some help from you.

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