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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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Littlewoods, CCA and a Default


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I am having a major headache with Littlewoods/LXDirect at the moment (well, actually the last two years or so).

 

Like most catalogue companies, when I got the catalogue, I never signed a credit agreement. So, when I got into difficulty over my debts in 2005, I was advised to ask for a copy of the credit agreement from them, and if possible, get the debt written off (it was around £1000). I did this, and they wrote back to say they'd no longer pursue me for the debt.

 

Fast forward 12 months, they come chasing after the debt hounding me by phone every few days, only it's now £1400. Apparently this extra was PPI (why were they still adding it? Who said I wanted it - not me... They never gave me an answer). So I asked for my credit agreement, and guess what...couldn't find it, so they said they'd stop pursuing me (where have I heard that before?).

 

So, tonight I check my credit file (hoping for a minor miracle with my other debts) and find that not only is the debt owed on there, it's going up by around £30 a month and there's a bl**dy default from Dec 2006 for £1501

 

My questions are these:

 

1. How can they put an extra £30 a month on an account thats not been "active" since 2005, when they said they weren't pursuing it?

 

2. Can they issue a default on this account without a CCA?

 

3. Is this a real default, because I've had no letter to say I've got one?

 

4. Can it be shifted from my credit report?

 

5. Why are they such a bunch of parasitic w@nkers?

 

Thanks

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Guest willowb

Just stumbled on this thread. You need to issue a statutory notice which gives them 21 days to stop processing your data or give you reasons why they should still be processing it. From what you've posted it seems to me that they have no grounds to process your data....and in fact are committing a criminal offence in doing so as you issued a CCA request 2 years ago.

 

When you post back I'll copy and paste a template for you to send.

 

Wxxx

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Just stumbled on this thread. You need to issue a statutory notice which gives them 21 days to stop processing your data or give you reasons why they should still be processing it. From what you've posted it seems to me that they have no grounds to process your data....and in fact are committing a criminal offence in doing so as you issued a CCA request 2 years ago.

 

When you post back I'll copy and paste a template for you to send.

 

Wxxx

 

This seems like a logical way to follow up on any CCA default. Can you paste that template to the forum Willow? TIA

"Why CCJ when you can CCA!"

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Guest willowb

No problem....you are right though, if the account is defaulted that is....you can find this in the templates section......

 

 

 

Notice pursuant to s.10 of The Data Protection Act 1998.

 

 

 

 

 

Re: account no. XXXXXXXXX

Account holder. XXXXXXXXX

Address. XXXXXXXXXXXXXXXXXXXXXXXXX

 

 

Whereas I have been a customer of XXXXXXX Bank since XXXYEARXXX and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

 

signed

 

 

 

 

date

 

 

Wxxx

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I have also requested (C.C A )they send me true copies of PPI agreements but they have not complied will be doing another S.A.R request to see if they have any proof of my insurance agreements as I cannot recall asking for any or signing anything and think they were automatically added.Any advice would be welcome.

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  • 2 years later...

They must have issued thousands of defaults unlawfully in 2006 as that is the time I received one but did not know about it untill 2007. What has done my head it, is at the time in 2006 I paid the debt in full, but they did not make me aware of the consequences of a default.

 

I am about to challenge them!

 

PLEASE, someone must have a success story?????

 

How to attempt to remove a Default Notice | LearnMoney.co.uk

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