Jump to content


  • Tweets

  • Posts

    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.


Recommended Posts

Yes. 
A4 forms i uploaded do 100% match the papers that arrived in post. 
 

It is what I need to insert in boxes D1-D5 that I can’t find/unsure of. 

It may be right under my nose but I can’t seem to find it. 
 

ucm

Link to post
Share on other sites

22 minutes ago, UsedCarMan said:

A4 forms i uploaded do 100% match the papers that arrived in post. 

that is not what i am asking....please read what i am asking above carefully....

do the ONLINE WEBSITE RESPONSE QUESTIONs+NUMBERs (NOT THE PDF'S) match form 4a pdf Qs+No's???

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... 

Link to post
Share on other sites

great thank you .. got there in the end.

the only D section you fill will be D1.

i'll be updating this sticky:

What To Do - Simple Procedure Rule Claims Scotland updated 2024 - Scotland Financial Legal Issues - Consumer Action Group

later tonight, probably in the early hours, it will be ready for you to use in the morning, 

1 final question , under d1 it says, you can use a sep sheet if not enough room (there wont be enough!) , i will gather there is a portal stated on the website by d1 to do so?

do they state a format to use like pdf or doc(x)? and are there instructions upon how you must name such uploads ..ie claim number , claimant/defendant, court name, date?

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... 

Link to post
Share on other sites

 

i have updated the response sticky now.

https://www.consumeractiongroup.co.uk/topic/402263-what-to-do-simple-procedure-rule-claims-scotland-updated-2024/

in your case...where it states in the response to a credit card claim

The court will be aware that penalty charges

enter before that line/paragraph this addition paragraph:

......................starts.......

The Claimant in their form 3a Section E4 hereby stated:

5. It was a term of said agreement that a failure to meet any payment on a due date would render the account in default and would entitle the claimant to serve a notice of default on the respondent requiring the respondent to remedy the breach within 14 days failing which the agreement would be terminated. 

 

6. On or around 31/07/2020 the respondent failed to make a payment of a sum which had fallen due and the said account entered into default. A default Notice was issued to the respondent on 31/07/2020.

7. The respondent failed to remedy the default following upon service of the said notice and the account was accordingly terminated in accordance with that notice. The account remains in default.

The Claimant could not have issued a default notice to the respondent on said date of 31/07/2020.

As in box E1 Section 2 the Claimant clearly states:

2. By virtue of a debt purchase agreement (“the agreement “) between the claimants and NewDay Ltd. (“the original owner”) dated 23/10/2020.

Under the Consumer Credit Act 1974 only the Owner of a debt can issue a Default Notice.

The claimant by their own admission did not own the debt until 23/10/2020.

.......ends..........

 

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... 

Link to post
Share on other sites

you dont attach it to any/the response form.

you are filing your defence ONLINE at that site i indicated.

click the blue link at the bottom - start now.

upload/attach it as a PDF 

send the CCA request to Lowell today.

i purposefully have not recommended it to date as it tips them off upon how your are going to defend if sent before filing your response.

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... 

Link to post
Share on other sites

Final question before I hit “submit” to the court.

Looking for your confirmation as I don’t want a last minute mistake 
 

1. Cut & pasted a pdf starting with this paragraph : 

As a respondent I specifically make reference to the Simple Procedure Rules 2016 in so far as my understanding is that:

2. Inserted the paragraph as you said in #31 just above this line The court will be aware that penalty charges

This is now attached as pdf on the court response portal. 
I think I am good to submit but just double checking 

Also a CCA request was sent today  

thank you again 

 

ucm

 

Link to post
Share on other sites

looks all ok.

dont worry too much.

the clerk will contact you if there are any issues.

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... 

Link to post
Share on other sites

Good afternoon 

Update from the Sheriff via the portal today. 

What do I post on here next?

I would assume just the body of the response only,  leaving out the header ?

thanks 

UCM
 

………..

Link to post
Share on other sites

his orders.

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... 

Link to post
Share on other sites

Here is the order. 
……..
The respondent has indicated to the court that this claim will be disputed.


The sheriff has considered the claim form and the response form and has given the following orders:

The claimant is ordered to lodge and intimate the following no later than 19 April 2024:

  • - signed Consumer Credit Agreement;
  • - notice of assignation;
  • - default notice issued by the original creditor; and
  • - detailed statement of the account and how, with specific reference to additional interest added because of late / no payment, and any additional penalty fees or interest added, that has resulted in the balance now claimed.

Settlement and negotiation

The claimant and the respondent are encouraged to contact each other to seek to settle the case or to narrow the issues in dispute, before the case management discussion.

If the case is settled before the case management discussion date then the claimant must send an Additional Orders Application to the court immediately telling the court what should happen next in the case (for example, to cancel the case management discussion and dismiss the case)


Case management discussion

The sheriff would like to discuss this case with both parties. Both parties are therefore ordered to attend a case management discussion in the sheriff court.

The purpose of a case management discussion is to allow the sheriff to discuss the claim and response with both parties and to clarify any concerns which the sheriff has.

At the case management discussion, the sheriff will also discuss with both parties their attitudes to negotiation and alternative dispute resolution.

At the case management discussion, the sheriff may give both parties orders in person arranging a hearing at which the case will be considered and their dispute resolved.

The sheriff may make a decision at a case management discussion.

Date
Both parties are ordered to attend the case management discussion on 26 April 2024 at 10:00am by WebEx.

At the case management discussion, the sheriff expects both parties to be prepared to discuss the case and to have an open and constructive attitude to the possibility of negotiation or alternative dispute resolution.


Signed by: Sheriff 

……..

thanks

ucm

Link to post
Share on other sites

smart guy this Forfar Sheriff, 

i know Emma the clerk well...

seen off 2 nolans claims for people there.

good its webex too!

moved into the 22nd century at last.

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... 

Link to post
Share on other sites

  • 2 weeks later...

Got a letter back from the Glasgow office collections agency saying they have received a request for a copy of the CCA.  They say they have raised this with Lowell and once received they will issue in post. 
 

I posted this to Lowell Leeds office. Just wondering how this has appeared there with them  


Also I note from their letter that the balance is higher than stated on the claim. 
 

thanks

UCM

Link to post
Share on other sites

eh?

3 hours ago, UsedCarMan said:

Glasgow office collections agency

thats weird.

scan up the letter

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... 

Link to post
Share on other sites

obv i'm aware of walkerlove but more in their role whereby most Scottish court claims are delivered by hand, by sheriff officers.

though it's not unsurprising they have a DCA role, i was not aware not can i find, a link to the lowell group.

this is also the 1st scottish claim by lowells we've ever seen

so there we go.

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

Hello

email received from Shoosmiths today with evidence that they have lodged to court. Quite a few pages (over 100) attached to it. 

how do I attach and forward here ?
 

thanks 

UCM 

Link to post
Share on other sites

read upload CAREFULLY

one mass PDF if poss ONLY. use the stated websites

we dont need statements.

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... 

Link to post
Share on other sites

Are these the important pages I need to upload ?

1.  pages 1-4 are court form 10a

2.  2 pages of the CCA agreement 

3.  Default notice from NewDay, 22/02/20

4.   Lowell letter stating they own debt ,     Dated 16/11/20

5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20

I make this 9 relevant pages from what I can see  

( all other pages are statements/default notes and lots of FCA info sheets)

just needing your confirmation in advance as I don’t want to send over pages that are not required

thank you 

UCM

 

 

 

Link to post
Share on other sites

dont need statements. nor std info sheets.

EVERTHING else 

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... 

Link to post
Share on other sites

DN is ok

DCA NOA is ok, though not one from Newday saying they've sold it.

agreement states esigned on a sunday at 11am?? really?? 

but no typed names or tick box nor any IP address used.

if the date is correct then poss ok,

it that your correct address for that time of take out?

but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs.

the agreement details separate T&C's in at least 8.4.

a full set of T&C containing your correct address for the time MUST be included.

failure renders the agreement unenforceable... have you the T&C's too?
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... 

Link to post
Share on other sites

Address was correct at the time of take out

The time of esign is strange (at church on Sunday ) as is no the no name/tickbox/ip address etc. 

There are 2 pages of T&Cs but no name/address showing on them. These two pages show paragraphs which are not in order, different font and appear in landscape form. Looks different font to CCA pages and with no numbers/references on these pages

UCM



 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...