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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
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Natwest Help Please


Fiona Flint
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Help please. This is my original thread.......................

 

Hi would like some advise on the following. Whilst a student approx 6 years ago I borrowed £2000 from NatWest and also went overdrawn on my account that is now closed. I struggled to pay them back £20.00 a month for about three years and that barely covered the interest. When i defaulted they passed onto Moorcroft to whom i pay £40 a month.

 

After reading several threads I am now confused. It seems a lot of people ask for CCA and write off the debt or get charges back. Im confused as if I should leave it at £40.00 to Moorcorft (Interest + charges from NatWest make my debt remaining now £4104.99 and will take me 117 months to pay back) or try and get the debt reduced or written off.

 

Some advice would be welcome.

 

Since this thread has started I have received 100's of pages of statements for the account and the loan. Also there are statements included showing the interest added monthly and the original loan agreement unsigned.

 

Please can someone tell me what I do now. I have the excel spreadsheet but not a clue what to put in it and what letter to accompany it with.

 

Help greatly appreciated. Thanks lost and confused :o

 

 

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Ok Fiona,

 

It's a bit laboriuos but what you need to do is go through your statements and put all the charges that appear in order in your spreadsheet.

 

e.g. date in col B, detail of penalty as per examples below in col C and amount in col D).

 

A running total will appear in col E.

 

Examples of penalties are:

 

Unpaid D/D Fee

Card Misuse Fee

Unarranged Borrow Fee

Cheque Return Fee

Unpaid R/P Fee

 

When you got charged interest (typically at the end of each month) put all these in the separate list cols G, H & I).

 

When all this is done you will have a totalised charge plus interest at the top of the sheet - this is what you want back from the bank.

 

Hope this helps.

 

g

Gr4th

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Thanks for that G. Is there a letter I can use to send this back with the spread sheet?? And am I using the correct spreadsheet? Im going to use complex bank charges-calc hope this is the correct one :)

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Hi Fiona

 

The initial letter you should use is in the templates library - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Thanks for that G. Is there a letter I can use to send this back with the spread sheet?? And am I using the correct spreadsheet? Im going to use complex bank charges-calc hope this is the correct one :)

 

Yep, that's the one. Steve has kindly given you the link to the letter, and if you follow the associated step by step instructions you'll be fine.

 

If there's anything you are unsure of then don't be afraid to ask - there is a fantastic collection of people here who will chip in to help you all the way.

 

Don't forget - you have a right to these charges back.:)

 

Good luck.

g

Gr4th

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