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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 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 and the terms of entry 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. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. 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. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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F&Fsecured loan with Elderbridge - coerced debt and selling house


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OK, will try to get back on here later... one point to note is that you've left it too late to serve on the other side. It'll probably be a case of stuffing a copy in the ushers hand and asking for it to be slid under the DJ's nose before you go in.

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Yes, I know. have had the christmas from hell and just couldn't face it till the last few days, got a shock from eversheds with their bill of about 30K! and just panicked me. We will be there early tomorrow anyway and make sure she gets it before the hearing.

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ooh, that's a hard question to answer simply. The contactual payments went up and up but I only paid reduced amounts from May 2011, 1 year at £600 and then 6 months at 210 and then £500 from then onwards to date.

 

I have had a word with my IFA and he has pointed out that they have not calculated correctly, they should have used the rate of 9.06% as stated on the loan agreement but they have used 9.4% which is the APR (apparentely this is incorrect.)

 

So I am going to state this and also state that they were 3 weeks late in providing a proper statment of account that was ordered by the judge. It makes no sense, they have given two different figures on the same witness statement and I have no idea which is correct, it is basically not in a format that is easily understood I don't think even the judge is going to understand it!!

 

I'm going to be cheeky and askfor the claim to be thrown out or failing that, ask that they remove all interest from the loan and deal with it on a capitol only basis (apparentely this has happened before with a different lender and case)

 

What do you think?

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The arrears just don't seem correct, I noticed in an earlier post that you were paying £900.00 and more from very early on. An overpayment of say £60.00 per month for the first 60 months would reduce the running balance by circa 5k vs the term balance.

 

12 months at £600.00 would show a deficit of circa £3000.00

6 months at £210.00 would show a deficit of £3780.00

 

Without knowing how it controls the arrears (assume a separate pot encumbered with contractual interest?) a simple calculation appears to show that you did not come into arrears until at least Aug/Sept 2012 and possibly later depending on your earlier overpayments.

 

I think if you can convince the judge that on the face of it the calculations are inaccurate she may be persuaded to order the other side to sharpen its pencil and try again.

 

Not sure which case you refer to?

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Hi Mike,

 

Yes, my highest payment went up to around £948!! so that's over £200 a month overpaid! No I don't think the arrears are right but they've not explained their figures at all, which is why I'm having a hard time working it out.

 

I am basically going to do what you say and try to convince the judge that what they have provided is crap! and they are basically taking the mick too! (obviously I will phrase this much more delicately!)

 

I just cannot work out where they have got any of the figures from, it makes no sense and I don't think it's fair that I should just have to take their word for it.

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Don't you mean £100.00 overpayment? There's plenty of calculators on the web, MSE have a useful one... Google mortgage overpayment calculator, type in your details and print a copy off for the judge. Its not for her to get her calculator out so it would seem sensible to provide her with something tangible to focus her attention on.

£100.00 per month over 60 months would result in an 8k difference vs term

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You've got all morning to put something cogent together then.

Have a look at the following link, may assist you with understanding why the other side should not be granted relief from sanction http://www.stonechambers.com/news-pages/04.11.13--article--relief-from-sanction-post-jackson---ravi-aswani.asp

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Even though it's late in the day, I really think you should ask the other side to agree to an adjournment under CPR so you can verify the figures and check if the recalculations are correct.

 

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Thank you Mike, Will get to bed now and get up early and have a look at that in the morning - thank you for all your advise today :-)

 

Hi Slick, I'm sorry which part of CPR would I use, I'd better google that, (not legally minded!) :-) Thanks

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CPR1.1 again mf http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part01

 

In effect you'd be asking the court to consider an adjournment without sanction (CPR3.9) as the claimants non compliance to the interim order has prejudiced your position and frustrated your attempts to verify its calculations.

 

The judge may get peed off even if the parties agree, and its still a very real possibility that she will dispose of the case tomorrow.

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Yes, can you please let us know what hte outcome was ??

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It's bad :-(

 

They got a suspended possession order and I have to pay £903 per month (including the amount to clear the arrears) but the worst part is that they were awarded costs!.

 

I don't know what to do :-(

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Hi MyFamily,

 

Sorry to hear the news but the Suspended Possession might not be too bad a situation as long as you can manage the payments of £903 per month. They are tied to the agreement too so can't start to apply pressure for more money.

 

What costs were awarded?

 

I would start a claim to recover the charges they have added to your account over the years. Once you add interest to it it will probably make a tasty sum. Or if you don't want to go through the court route, you can firstly complain through the FOS.

 

Cheers, BAE

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Hi,

 

Thanks Blossom, I am not too bothered by the SPO but the costs, I am scared of now. will have to think about what to do.

 

Mike - to be honest I'm not sure, she seemed to just say that the costs we my responsibility, I supposed I will find out when I get the judgement in writing a few days from now.

 

To say I am absolutely gutted is an understatement!! the last letter I had fro Eversheds said the costs were estimated at £10k - £15k so how it got to £30k, I don't know.

Some have said to go bankrupt but I think I will lose my job if I do! :-( I have worked there nearly 20 years and don't know what else I would do!!

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