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    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • 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
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One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.


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Hello all, thought I'd come to CAG for help with this. Just received a private PCN for £100 (£60 discount if paid in 14 days) for parking in the bays outside the flat where I live, without a permit.

I own the flat, and it's a share of a freehold. In practice, this means I own a small share of the company that acts as the freeholder, so have responsibilities of freeholder and leaseholder. I also have the lease with covenants etc that I can share, once I figure out how to sanitise it. I'm not a managing director of the company but have applied and am successful; though the MA is taking their sweet time with officialising it.

No one in the building has designated parking. However, there are informal parking bays. The residents use the parking bays on a 'first-come-first-served' basis.

My lease only states the following regarding parking:

'No vehicles shall be parked within the grounds of the
Property otherwise than in the garage forming part of the
demised premises or in any other part of the Property
previously approved in writing by the Landlord for that
purpose'

The MA has written the below:

'Parking restrictions apply & permits available from Managing Agent. Permits allow 1 hour parking in the Parking Bays with no return within one hour. There is a deposit of £10.00 refunded on return of permit.'

A PPC issues PCNs to those who do not use permits. I do have a permit and had one for the day, so I was surprised that the PPC didn't see it. Most of us also don't have a garage. Likewise, we don't have time to faff around for an hour-long permit + deposit.

Queries

- As permits are not mentioned in the lease, is the PCNs enforceable?

- Would I be acting lawfully in not paying the PCN i.e. does my lease have primacy?

- I understand that there is a 'contract' between the PPC and their client. Does this contract include me?

- What should I do next??

Thanks as always!!

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please complete this:

do not appeal

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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For a windscreen ticket (Notice To Driver) please answer the following questions....

1 The date of infringement? 8/3/24

2 Have you yet appealed to the parking company yet? [Y/N?] N

If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]

Has there been a response? N/A

Please AS A PDF FILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]

If you haven't appealed yet - .........DONT ! seek advice on your topic first.

Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] NO

What date is on it? N/A

Did the NTK provide photographic evidence? N/A

[scan up BOTH SIDES to ONE PDF of the PCN and your NTK - follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s

3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] N/A

4 If you appealed after receiving the NTK,

did the parking company give you any information regarding the further appeals process?

[it is well known that parking companies will reject any appeal whatever the circumstances] N/A

5 Who is the parking company? Can't say as it will doxx my location, but they are a small outfit.

6. Where exactly [Carpark name and town] did you park? Same as above. See OP, it was in my flat's parking bay.

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

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please state the location and the parking company no need for secret squirrel.

can you scan up all the paperwork you have bothsides of everything to one mass PDF in date order please.

read upload carefully.

 

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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God knows why they have brought in a ppc since they are always going to penalise the residents since that is almost the only way they can make money. And they are there to make money-their one hour permits show that. Not one of the leaseholders will manage to leave every time within the 60 minute limit every time so will get hit for  £100 or whatever the charge is fairly frequently. It is a crazy system and will lead to the lease holders rebelling before long.

Generally the leaseholders do have primacy of contract which over rules the one from the rogues though it may depend on the finer details in the original and perhaps the second contract too.. I take it that  they are fairly new on to the estate?

You say that your PCN was issued despite you showing the permit-which was within the one hour limit. Was it on the windscreen and did the photos show it?

 

I have just seen your second post-thank you for posting it so quickly. As dx has already said-there is no need to hide certain details apart from your name and vrm. part of the reason is that the windscreen PCN followed by the Notice to Keeper are legal notices which if incorrect [and they quite often are] mean that the keeper is not responsible for the charge. Your Notice to Driver could confirm its lawfulness quite easily once you post it up.

 

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Hello, please see attached. Let me know if it needs to be clearer.

Parking company is One Parking Solution. The location is Durrington, West Sussex.

To answer lookinforinfo:

This is not new, but it's the first time I received a PCN, since I moved here a while back.

I'm pretty sure the MA has a dodgy relationship with the PPC i.e. getting backhand payments for every one of these fines.

And yes, MA and board of Directors are likely crooked.

This is openly accepted by the residents, but sadly, none of them know what to do.

We're all share of freehold, so have more rights than typical leaseholders, but again, how do we change the management?

Permit was on my windscreen but did notice it fell on to my passenger seat, when I went back to my car.

The permit is an A4 sheet of paper that is printed out (yes, very professional), so easy to be knocked off by wind.

No photos as far as I can tell.

PCN 8-3-24.pdf

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I'd be going to the managing agents personally and kicking up a (polite) stink that you've got a PCN despite having a permit.

Pester them enough and they might just cancel the PCN just to get rid of you.

 

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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  • dx100uk changed the title to One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.

thread title updated

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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As for your questions:

- As permits are not mentioned in the lease, are the PCNs enforceableNo

- Would I be acting lawfully in not paying the PCN i.e. does my lease have primacy? Yes, providing that your lease mentions use of the Car Park.

- I understand that there is a 'contract' between the PPC and their client. Does this contract include me? Not personally, no. The contract will be between the PPC and the Freehold Company.

- What should I do next?? Call the managing agent and get them to cancel.

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We could do with some help from you.

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Thanks guys, I should've said that I did call the MA. He says he won't cancel because it's 'unfair on the other leaseholders' and that he needs to be 'impartial'. I called out that he worked for us and should cancel as the PCN goes against the spirit of their issuance (to stop non-residents from parking in our area). Shall I write them a letter?

In terms of the lease, it doesn't explicitly mention parking in the bays. However, there are written references to it outside the lease e.g. the 'permit system' and 'management rules. Likewise, it's commonly used for that purpose by the residents. Would that be enough to uphold primacy?

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"Management rules" and the "permit system" mean nothing compared to your lease. They're nothing more than random "restrictions" being put in place. You'll need to be firmer than that because they will just brush you off in the first instance.

If your lease states you're allowed to use that area to park vehicles that trumps everything. If they're not demised spaces you can park wherever you like in that area.

Find that bit of your lease and post it here and we'll advise further.

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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 OTHER

 

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I've looked carefully and all I can find is the bit I put in the OP:

'No vehicles shall be parked within the grounds of the
Property otherwise than in the garage forming part of the
demised premises or in any other part of the Property
previously approved in writing by the Landlord for that
purpose'

The area I parked in is definitely not mentioned as demised premises and seem to be a part of the communal areas. What do you think?

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Has the landlord stated in writing that the area can be used for parking?

We could do with some help from you.

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That's a good question, who is the landlord? Technically, it's me and the others who hold a share in the freehold, but what would that mean in practice?

The management rules etc. seems to be most consistent written acknowledgement of it. If that's not good enough, then it surely begs the question of why myself and others are using it the area as parking, when it shouldn't be used as that?

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The freeholder(landlord) would be the freehold company in this case. Of which you have a share of. This would be the landowner the PPC would need the contract with as well. 
 

We could do with some help from you.

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Sorry, just noticed in the OP that you've been successful in being appointed a director of the freehold company?

In that case, just contact the PPC directly to cancel the PCN using your authority as Director, once made official (push the MA on this immediately). No need to try and argue the toss with anyone then.

That's provided the MA has done everything properly and took out the contract in the name of the freeholder and not themselves.

Also call a Director's meeting with the MA with the agenda of removing the PPC with immediate affect.

We could do with some help from you.

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Alright, I'll try to get Directorship done, but I reckon the MA is just going to drag it out, especially if it means getting this PCN cancelled.

Can I also request a copy of the contract between the PPC and the Company (or MA)? Seems like it might be a good way to figure out what to write to the MA, if the contract is in their name.

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No harm in requesting the contract. Especially once you're a director.

Yes push on getting the Director application done, this PCN should not matter whatsoever.

IMO you should name and shame the Managing Agent as they seem to be failing on the basics. Wouldn't surprise me if they've signed the PPC contract in their name instead of the freeholder's name (which immediately makes it null and void as they don't own the land!). Can't confirm this without seeing the contract though.

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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Not quite sure why you all agreed to allow the rogues in at all. Surely as joint free holders you had the right to veto them moving in . And surely you have the power to remove them?

As for your question about where you parked-demised or not-it doesn't matter. You have only been charged with not showing your permit and that  is a bit strange if it was on the seat. Hard to miss an A4 sheet of paper...............

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This was before my time, but as I mentioned the Directors are likely crooked and sing to the tune of the MA.

And yes I know why I was charged and I'm quite annoyed about it. Most residents don't even show their permits, as it is a huge faff. So, this is doubly annoying.

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I'm  not convinced that when you become a director of the company that owns the freehold that will give you authority to direct the PPC to cancel your PCN. Authority to do that sits with the board of directors as a whole, and anyone they have delegated that power to. It's unlikely individual directors are authorised by the board of the freehold-owning company to give directions to the PPC, especially a direction to cancel their own PCN! 

What you can do is start making a  bloody nuisance of yourself at board meetings to get the matter re-addressed.

I don't understand how the parking works at the flats. If you are supposed to have a permit to park in the communal car park but even with a permit parking is limited to "1 hour parking in the Parking Bays with no return within one hour" where are residents supposed to park the rest of the time?

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Yes agreed. I don't think it will solve it, but it might give the issue more coverage. I'm not the only one who has complained about this, but I seem to be the only one willing to make a nuisance. So will continue doing so.

BTW there doesn't seem to be any board meetings that shareholders are invited to me. As mentioned, there are a host of other issues with the MA and Board, who likely are doing shady dealings. However this parking directly affects our wallets and goes against the spirit of why there might be a PPC here e.g. to stop randoms from parking in our area. So, this parking issue might be the best way to also start addressing the wider problems.

I'll keep you all updated especially when I get the RTK notice. But any further thoughts or advice would be appreciated.

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Usually in this situation, the freehold company is dormant. It only exists to hold the freehold title to the property (and be the legal base for the leases). When you buy a share of freehold you buy a share of said company. There's usually an RTM (Right to Manage) or RMC (Resident Management Company) set up that handles the day-to-day running, which may outsource this to a Managing Agent like has been done here. Legally these are separate entities with their own accounting periods and company records etc.


Naturally, the PPC will need the contract in the name of the FREEHOLD company, not the management company.

I do agree that you do need to make yourself a nuisance to get the PCN canceled. Directors meetings, calling the MA etc. Don't let them fob you off like they did last time.

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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 OTHER

 

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Thanks lolerz, the freehold company is indeed dormant. I am unsure how the RTM company works, but that seems to be by design, as all of the residents don't know either.

I've also asked for the contract and demanded again that the PCN be cancelled. No response yet, but I might be the first lessee to do this in a while, so they're probably a bit shook! Let you know what they say...

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