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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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Hubby v Old RBS Advanta, now MINT


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Hubby had an old RBS Advanta Card, which is being paid off at a set amount each month. The balance is minimal, just about £300, so I thought I'd send off a CCA to see if they still had the details. I was opened in Feb 1999. I sent the letter on 11 April by recorded delivery and it was showing as delivered on 18 April.

 

This is the response from Mint, dated 27 April, I've typed it exactly as it was written, so any wrong word endings/tenses are as per their letter:

 

 

Thank you for your letter dated 11 April 2007, which was received in this office on 27 April 2007.

 

Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information. So that there are no misunderstanding here we will set the record straight on the format of the inforamtion was are obliged to provide you.

 

Your written request for information made was under s78(1) of the Consumer Credit Act must be accompanied by payment of a fee of £1. We are obliged to provide you with a "true" copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments that still require to be made. In terms of CCA copy document regulations, the "true" copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that pus a copy of the current terms of the card agreement. We are not insisting on payment of the £1 (my £1 payment was returned with this letter) and enclose the s78(1) information.

 

Our records show that there is still a balance outstanding on the above account. As you are aware, your account is currently being managed by Mint credit cards. Therefore, you should contact them directly to obtained details of your requirement payments to settle your account. They can be contacted on 0845 300 5109.

 

I trust this above clarifies matters for you. Should you have any further queries, please contact me on ........................

 

What they sent was a copy of the application form. It was obviously from a mail-shot as his name and address details were pre-printed on the form, he then had to choose the card design and fill in other details.

 

The signature box at the bottom, states that "This is a Credit Agreement regulatedby the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms".

 

It has a date stamp from RBS of 11 Feb 1999 together with a scrawled signature, although this is unreadable.

 

Also is a computer generated copy of "Credit Card Agreement regulated by the Consumer Credit Act 1974". It has husband's name and address on the top, together with account number and credit limit. It also states on the top IMPORTANT: THE INFORMATION CONTAINED IN THIS COPY OF YOUR AGREEMENT IS CORRECT AS AT YOUR LAST STATEMENT DATE.

 

Just thought I'd let you know what I got back from RBS / Mint.

 

Any comments anyone ????????

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I'm sure they have to provide you with a 'true SIGNED copy' of the actual contract YOU signed, not just some random copy with T&C attached.

 

I would post in the general debt forum for more detailed info on this, but this thread might be of use if you havent alrteady seen it http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html. Plus I was reading this thread yesterday and it also seems quite useful http://www.consumeractiongroup.co.uk/forum/general-debt/84285-ccas-dave-against-world.html.

 

Please don't forget to click my scales if this has helped.

 

Phil

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That's what I thought too Hydra!!

 

I still cannot work out what is where in your photo under your name???

I'd best not try to do it though --- would do myself an injury:D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 2 weeks later...

Update, as they provided an application form, with the Credit Agreement / CCA bumpf on the bottom, I've decided to send and SAR to Mint, for both accounts, to see if there are any charges to be refunded (I'm sure there will be :D)

 

They'll all be well over the 6 years, but (if I get any statements back), I could always go down the concealment route!!!

 

SAR in the post today -- tickety tock, tickety tock!!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 3 weeks later...

I received a reponse to my SAR in the post this morning. It's a two liner, please find enclosed a breakdown of the charges applied to your account(s) as requested. I trust this is of assistance to you.

 

Then, one sheet of A4 for each account, showing fees from Jan 01 to present. There aren't any fees :mad: , but surely they need to provide a bit more info than that for a full SAR.

 

I did ask in the SAR -- "a complete list of transactions and charges relating to my banking history with your organisation, from the opening of the accounts to the present day".

 

It just seems not good value for money what they've sent:rolleyes: !!!! Do they do that to everyone??

 

There is a fax number on the letterhead, so I may write to them, stating this information is not sufficient and to forward to me all information held.

 

Any ideas anyone???

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 1 month later...

Update, I've now received a complete response to the SAR. No charges to be reclaimed on this one :(

 

However, what they did send was a copy of a letter from payplan containing not only my name, address and payment details to them, but also that of 15 other people!!!

 

Now how's that for a breach of data protection!!

 

I'm going to write a strongly worded letter to them. If they've sent that to me, how many other people's details have they got floating around all over the country???

 

Any comments or thoughts anyone??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Have faxed off a letter to MINT stating how they've seriously breached data protection and requesting a response before I decide how to proceed with this breach!

 

If I have this information, I wonder how many people may have my information!!!

 

When you call you have to go around the houses and answer all sorts of security questions just to find out your own information!! They've just given 15 lots of info away to me!!!!

 

Their response should be interesting!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Have received a letter back from MINT .... very sorry, info shouldn't have been sent ..... blah blah .... gesture of goodwill £30 credit to account ....

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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