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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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EPC ANPR PCN - Lease car - overstay- M&B - Old White Lion - East Finchley **CANCELLED BY PUB**


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Hi again

Embarrassingly, this is the second PCN I have received from a Private Company in 2023! 

 I have not had a parking ticket for years before this and now 2 in the space of 6 months!

I met a friend at a pub which I have visited many times in the past and often parked in their car park when there was space. 

As it was a quiet evening i thought nothing of it that there were spaces available, had a drink, chatted to my friend and went home. 

I saw no signs at all, either on my way in or on my way out!

I was shocked a few days later when I received an email from the company I lease my car from that I had been given a PCN - see attached. 

Following advice on here i did nothing. 

I then received a notice to hirer around mid December and then a Final Notification Letter on 20 Jan 2024. 

I have not responded at all.

What is the best move now?

Thanks everyone!

Laoise

 

 

EPC NTH+NTK+Final notice .pdf

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please complete this:

please dont forget next time to READ upload and REDACT letters you put up!! and we need bothsides of every letter too. one multipage pdf for them all is acceptable.

ive done if for you this time

dx

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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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  • dx100uk changed the title to EPC ANPR PCN - Lease car - overstay- M&B - Old White Lion - East Finchley

I see that you received the original PCN that was sent to Leaseplan as well as your Notice to Hirer. Did you also receive a copy of your Hire contract and a copy of your agreement that you are responsible for parking tickets etc.?

They have already made one mistake with their Notice to Hirer inasmuch as they should have given you 23 days to respond rather than the usual 28 days.  Could you please confirm that the other documents  were sent to you along with the PCNs.

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1 Date of the infringement 28/11/2023

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 05/12/2023
 

3 Date received 13/12/2023 (via email from leasing company)
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y
 

5 Is there any photographic evidence of the event? Y
 

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

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

7 Who is the parking company? Euro Car Parks

 

8. Where exactly [carpark name and town] Old White Lion pub, East Finchley
 

For either option, does it say which appeals body they operate under. POPLA

If you have received any other correspondence, please mention it here

Notice to Hirer dated 14/12/2023

Final Notification Letter dated 20/01/2024

I also received 2 letters from Leaseplan:

1. to let me know that ":We have given your details to the relevant authority transferring liability of this offence to you."

2. THIRD PARTY AUTHORISATION LETTER

Hi - I didnt receive a copy of my hire contract or copy of the agreement. 

Would Leaseplan need to have sent this or the parking company? 

I received a letter from Leaseplan telling me that they had received the pcn and then a third party authorisation letter - see redacted items attached 

 

 

 

docs1 .pdf

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Call or visit the pub and tell them to call off their dogs, they wil say it's out of their hands but it isn't, they can and should tell EuroCP to cease action.

Get on the Pub's social channels and do the same if they don't respond favorably to your visit/call

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again you put up a whole series of single page PDF files that were NOT redacted properly..:frusty:

when told how to properly redact by following our upload guide on how to do it as one mass file..............

do you want these people to find you here.

sorted again and merged to one file.

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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Thank you for posting that information-it puts you in the clear so you do not owe them a penny even if the best lawyer in the Country goes with Euro Car Parks to Court. 

They have made a number of errors -the major one being the Notic to Hirer. That is the most important document for them since in order to win in Court ECP have to comply with The protection of Freedoms Act 2012 Schedule 4.  Section 13 and 14 of the Act relate to hire vehicles. S13 is more to do with the Hire company while S14 deals with the hirer and what ECP has to do to comply with the Act.

There first mistake is although they state that they sent you a Notice to Hirer, they have by allowing you 28 days to pay the invoice effectively sent you a Notice to Keeper. Hirers only get 21 days grace to settle the bill. That in itself is enough to kill their case as they have failed to comply with one of the provisions of the Act. And they have tocomply with them all to be able to be able to pursue you.

They then compound their error by asking for the name and address of the driver if you were not the driver. This is necessary with a Notice to Keeper but not on a Notice to Hirer because hen it doesn't matter who was driving ony the hirer is responsible. As ther is no mention of who was driving in the Hire section of the Act, your PCN is not compliant.

And by not sending the Hire contract and the agreement of your responsibility for parking tickets etc they confirmed that not only are they complete idiots [which we already knew] but further ensured that you are not liable at all.

The original PCN to the Lease company is also non compliant but not worth adding since you already more than killer their case. And I doubt that "Your vehicle was not authorised to park" is actually stated on their sign age in the car park.

So need to stress. Just relax and laugh at heir stupid letter from them and their unregulated debt collectors.

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Thank you Lookinforinfo, FTMDAve, DX100uk and Homer67 for helping me.  I feel pretty stupid for not following the protocols for posting attachments.  Thank you for helping with this too!

So, from what I have understood, I can just go to the pub (or social media) and ask them to stop Euro Parks from hounding me.  But apart from that I can do nothing as its unlikely they would be able to win in court anyway so they wont pursue me.  Have I got that right?

Thank you

Laoise

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Well you've seen in your other thread where appeals get you - nowhere.

The pub, on the other hand, will have the power to call their dogs off - and will want to keep customers.

Of course it won't be as easy as that, it will depend if the pub itself called in EPC or if it was head office in case of a chain - but the pub is your starting point.

Is it easy for you to go back there?

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

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Elle you are not dealing with a proper company. They have been in the parking business for years but are still incapable of issuing a correct PCN. Now whilse that is good news for you as they are still blissfully unaware that their PCN is not compliant and even if they did know, it still won't stop them trying to scare you into paying.

All you can do is totally ignore all their threats safe in the knowledge that they have no chance of winning and have a good laugh at their expense. However one day they may decide to issue you with a Letter  before claim or a letter of Claim. Please do not ignore those but let us know so we can advise on your next move.

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Having read the correspondence from Leaseplan to you, you also need to inform them that they CANNOT charge an admin fee for their part in this.

It is NOT a Penalty Charge, nor is it a fine. It is simply a speculative invoice. (Check your lease agreement for the wording).

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

 

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

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Thanks Nicky Boy

I have just checked and this is the relevant clause:

  • an administration fee of up to £25.00 (including VAT) each time we receive and process a fixed penalty, fine, congestion or other charge in connection with the Vehicle or its use. In addition if we pay such charges on your behalf you shall reimburse us in respect of the such payment (see paragraph 2.2 of the Terms and Conditions)

Is this contrary to legislation? 

BTW they did not automatically pay the Parking Charge Notices from Alliance Parking or Euro Parks, but they did pay a Penalty Charge Notice from TFL Red Routes (which I also contested at the time as the sign implied we could park there at specific times to load - but my appeal was rejected).

£25 does seem a lot though for just forwarding an email!

Thanks

Laoise

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a speculative invoice is none of those

its a civil private parking contractual matter.

 

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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Yes - demand the money back, and if they don't play ball go and do chargeback through your bank.

On Google Maps the pub seem to take customer service very seriously and reply to every single review.  So phoning and asking for the manager, or even better going in if the place isn't too far from you, is the road to go down.

 

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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

 Have we helped you ...?         Please Donate button to the Consumer Action Group

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

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17 hours ago, ELLE17 said:

BTW they did not automatically pay the Parking Charge Notices from Alliance Parking or Euro Parks, but they did pay a Penalty Charge Notice from TFL Red Routes

Which shows that they DO know the difference...

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

 

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

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  • 4 weeks later...

Thanks for everyone’s help with this pcn.  

I finally had an opportunity go to the pub with the letters and told them I was drinking in their pub that night

they immediately cancelled the ticket.  

They said they put it in place because lots of people were leaving their cars in the car park all day and hopping on the tube.

Once I told them I was legit it was all cancelled. 
i have not yet tackled my lease company but will do so in the next week.  


thanks again everyone

- where do I go to acknowledge a success?

Laoise

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well done!!

thread title updated.

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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  • dx100uk changed the title to EPC ANPR PCN - Lease car - overstay- M&B - Old White Lion - East Finchley **CANCELLED BY PUB**

Congratulations Elle!

1 hour ago, ELLE17 said:

- where do I go to acknowledge a success?

There is a donate button further down the page...😝

We're all volunteers, but there are overheads to actually run the website.

And go get that "admin fee" back...

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

 

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

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1 hour ago, ELLE17 said:

they immediately cancelled the ticket.

Have you actually got anything to confirm this?

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

 

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

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Posted (edited)

That is good news Elle. If you send the Cancellation message  to Leaseplan to show you  hadn't breached anything that might convince them to repay you.

Even if the Pub hadn't cancelled your ticket you still wouldn't have had to pay a penny had it got to Court because ECP did not comply with PoFA. But you would have been deluged with threats from unregulated debt collectors in the meantime.

Edited by lookinforinfo
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Your victory will make it easier to get the admin charge back.

We've had a few cases recently of car hire companies mixing up (or pretending to mix up) Penalty Charge Notices with invoices from a private company.  So Caggers have had to argue it out with them.

But in your case not only was it not a Penalty Charge Notice but it has also been cancelled!

So write to them and demand your money back on the basis that

On 08/02/2024 at 16:23, ELLE17 said:
  • an administration fee of up to £25.00 (including VAT) each time we receive and process a fixed penalty, fine, congestion charge

(a) the invoice was none of these and (b) it has been cancelled by the landowner (obviously attach proof).

As it's in their interests to try to keep the £25, in parallel look up your bank's web pages re chargeback.

Hopefully all will go well but if Leaseplan faff around as soon as you can demand a chargeback through your bank.

BTW, I'd heard all this "chargeback" stuff on the forum but had never been in the position to need one until a year ago.  In my case I had paid for train tickets that were never purchased as the site crashed during purchase.  I wrote to the train company - no reply.  I looked up my bank's chargeback pages - they said I had to give the trader the chance to remedy matters and if they didn't I could do chargeback after 14 days.  The train company never replied.  After 14 days I got on to the bank (RBS).  My money was refunded.

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

 Have we helped you ...?         Please Donate button to the Consumer Action Group

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

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