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    • Oh yeah... So there is. ..    Hopefully it won't try to upgrade 😂😂
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    • Hello All, I was hoping for some help with a  Claim Form received yesterday 15h May 2024.  I have read lots of threads but I just want to check what I am doing. I have acknowledged service noting my intention to defend all of the claim and I have left the contest jurisdiction un-checked. I will today/tomorrow issue a CCA request with a £1 postal order to the claimant and a CPR 31:14 to the solicitor.  For the CCA which section should I use? I am not sure which section Paypal Credit would come under. If the claim was issued on the 9th May am I correct with my defence filing date of the 11th June? Is there anything else I need to do? Thanks in advance   Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? Lowell Portfolio I Ltd How many defendant's  joint or self ? Self (just 1) Date of issue –  9th May 2024 Defence filing date: Tuesday 11th June?? Particulars of Claim What is the claim for  The claim is for the sum of £255.69 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a PayPal account with an account reference of xxxxxxxxxxxxxxxx)  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 has not been complied with. The debt was legally assigned to the claimant on 15-09-21, notice of which has been given to the defendant. 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 £0.00. The Claimant claims the sum of £255.69 What is the total value of the claim? £340.69 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PayPal credit account When did you enter into the original agreement before or after April 2007 ? After April 2007  Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, shows as defaulted.  Registered when it was bought by Lowell 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? Cant find a letter that say so Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Not sure Why did you cease payments? Financial difficulties and mental health issues What was the date of your last payment? ? Mid 2019 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? No
    • In addition to the advice and questions asked by my site team colleague above, where did you get the template from which you used to reply to the letter of claim?
    • should have come here first really. What you requested was a load of irrelevant twaddle. What was the original debt? Have you moved since taking it out? If TM Legal are chasing, that should means that Perch own it now? Did you get the letter of claim by email or post? You should kill the emails immediately.   
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      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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NPC/DCB(L) Vanishing Windscreen PCN Claimform - Taxi - Appealed - No Parking Or Waiting At Anytime - St Thomas Hospital, London, Se1 7eh.


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  • 4 weeks later...

Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents.

Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer. 

Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid;

Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference.

Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.

 

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Interesting. Ok so everything they sent in response to my CPR request was part of that attached PDF, there were no other documents. I'll re-upload the original PCN from their response pack and leave dates and times in this time. 

 

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Ok thank you

Is there anything else I need to do on this at this time,

they've responded to my CPR 31.14 that I've uploaded here,

logged into the bulk court website with the intention to defend all,

so what happens next?

 

Regards

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Thank you for posting an unredacted copy of the NTH. I guess that it wasn't you who redacted the contract though both look similarly redacted. The contract has not been issued correctly since the signatories have been redacted and it doesn't appear to name them or give their positions in their respective companies. Nor have their signatures been countersigned by independent witnesses.

And No Stopping/No Waiting cannot offer a contract so no breach has occurred. You only stayed for a minute according to them?

 

I assume they with the sar you also received the copy of  original PCN sne to Arval. So could you please post that one up too.

 

 

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No they must've redacted the contract, that was like that when I received it.

Yes correct I was there for 90 seconds! 

Yes I uploaded the whole contents of their response to my CPR31.14, which included the original PCN 

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I'll dig through their documentation see if I can find it, if needs be could I request a copy from the PPC since they seem to want to take it to court?

Actually looking at the original post of mine in this thread it appears that I didn't retain any of their original NTK docs etc as I thought they'd dropped the charge since I hadn't heard anything on this in over a year.

 

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6 hours ago, northmonk said:

Yes correct I was there for 90 seconds! 

There is supposed to be a 5-minute consideration period.

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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Right would that be grounds for a dismissal right there then, 90 seconds?!

Lookingforinfo - you're getting crossed wires buddy, we're in the hospital thread here, the ICO complaint was my other appeal the Locton estate one

 

Regards

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Yes, it would.

Especially as they are supposed to put up extra signs to show that parking restrictions have changed, which of course they won't have done.

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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The fact remains that the original PCNs and NTHs contain details that, if wrong, can help your case especially when you are the hirer. You can be completely absolved from any claim by the parking scrotes. Yet you appear to throw them away despite having been told about their value from the first PCN you wrote to us about. 

We are doing our best to help you and you appear to be doing your best to thwart yourself every step of the way. 🤨

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Yes I only contacted you on this hospital charge at the claim form stage, I'd discarded the NTK months ago thinking they'd dropped it. In future I'll hold onto any NTK for much longer, although a year is a fair while, until it's obvious it's been dropped

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  • dx100uk changed the title to NPC/DCB(L) Vanishing Windscreen PCN Claimform - Taxi - Appealed - No Parking Or Waiting At Anytime - St Thomas Hospital, London, Se1 7eh.

what defence did you file by the 19th april please?
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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Oh shoot i didn't!

I've not been through this process before and had completely forgotten the 19 days rule etc from the forum sticky,

what happens now then? 

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Ok

I've done my defence and printed it out ready to post first thing tomorrow to the court,

see attached pdf for my generic defence copied from sticky

obviously with my reg not left in on the defence form.

This defence is relevant in my case since I was there 90 seconds so couldn't possibly have entered into a contract right?

Regards

1. Defence
1. The Defendant is the recorded keeper of xxxxxx
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. 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.
(

 

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