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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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backdoor CapQuest CCJ for citi Card - set aside?***WON***


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Hi there.

 

I need some help and advice. I have checked my credit file and it would appear that CapQuest have obtained a CCJ against me in March of this year :evil: . I have read many of the threads in this part of the forum but cannot find one that quite matches my situation.

 

I did not receive any paperwork with regards to this. I believe that they bought the debt from Citi Card. This account defaulted because I couldn't cope with the charges that were being levied against my account.

 

I have sent a CCA request to CapQuest on 15/6/07 and I am awaiting a response. If they do not reply by 2/7/07, they will be in default of my request and by 30/7/07, they will have committed an offence. Will a CCA request be enough to stop them trying to enforce the debt (i.e. issuing a Warrant of Execution)?

 

Should I wait for the above to elapse and then try and have the CCJ set aside? I'm not sure what to do. I subscribed to Which Legal Service but they weren't very helpful :mad: .

 

I need to go after Citi Card for the charges but need to try and deal with this first.

 

Any help and advice will be appreciated.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

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You shold have received paperwork for this CCJ so you should be able to take steps so the first step would be to contact your nearest county court. Tell them you received no notification and obtain details of the judgement obtained against you. Then ask for their advice to set it aside.

 

Sending the CCA request won't have the same effect as a SARN and I would do this as soon as possible. It will force Capquest to send all details they have on you within 40 days. If they don't report them to the Information Commissioner and start a complaint against them with the FOS.

 

In the meantime if they go for a warrant of execution they will find an application for set-aside in the way and to have the warrant granted will mean having to prove they have the rights to collect all over again.

 

Best of luck and post again. Someone else with more experience with these clowns and this sort of case will be along soon.

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Thank you Nailpost.

 

Off all the things I have on the boil at the moment, this one has me the most worried. Unfortunately I'm just about to start a new job, so will not be able to get down to my local CC. However, I will be there on 6/7/07 (for another matter), so will make my enquiries then. It costs £65 to file form N244, and I will get no remission now as I will be employed again :mad:

 

Do you think if I tried to find my case number (via the Courts Register), I could file my N244 asap. Will I be able to cite non-receipt of paperwork as my reason for applying for the set-aside?

 

I will fire off an SAR letter now and send it Recorded Delivery tomorrow.

 

In the meantime, thank you for your response so far, you have no idea how much you have helped. :)

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Are you a homeowner? The CCA default will be sufficient to have the CCJ set aside - just mention it on the N244 and of course deny the debt. Also of course point out that you never received a summons.

 

You must send the form to the court where the case was heard not your local cc. Use this link to get the form:

 

Removal of CCJ's - Sample Form N244 - Notice of Application

"Why CCJ when you can CCA!"

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Hi P.O.E.T!

 

No I am not a homeowner (soon to be but mortgage is in OH's name)!

 

I'm waiting for the CCA request to default which will be on 30/6/07. My rationale for requesting it was to use it as a grounds for a set-aside, (thank you for confirming this) and to get the debt returned to Citi Card.

 

I will still send them an SAR request as Nailpost suggested which I know they cannot comply with, just to tie them up with some paperwork :wink:

 

I'm pleased that you have replied to this thread as I have seen your input on various threads I have read recently. :)

 

I will update again soon.

 

deedee

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My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I'm amazed they took you to court if you are not a homeowner. You need to move as soon as the CCA default happens as it would be a bit of a pain to start a new job with an attachment of earnings order. To be on the safe side you'll also need to say that the reason you are making an issue out of the agreement being produced is that you believe an ex partner is responsible for the debt;).

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"Why CCJ when you can CCA!"

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How would I phrase that? The thing is the Citi Card debt is mine but I know nothing of Cr*pQuest. The money they owe me for charges will cancel out the balance they reckon I owe them. Why does my being a tenant make a difference on their obtaining a CCJ?

 

This all stems back to a dark period for me which I have now overcome but it's been a slow road to recovery. I wish I'd support like this then.

 

Funnily enough Cap One did the same thing (obtained a CCJ). It got as far as them issuing a Warrant for Execution. If I'd known what I know now, it wouldn't have got that far. Bryan Carter recently sent me a letter stating that I had satisfied the debt for the judgement but that their client reserved the right to chase me for my remaining "debt".

 

I sent Crap One a Prelim letter last week, as they charged me well over £910 in charges for my £200 credit account.

 

Anyway P.O.E.T your help and advice with this and my Capquest problem will be gratefully entertained.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I'm following you. :wink:

 

So I would word the N244 along the lines of

 

"I wish to apply for a set aside as I did not receive any documents in relation to the judgement. Moreover, I have requested a CCA from the Claimant on mmddyy under s.78 (1) of the Consumer Credit Act 1974 which is now in default. Until ownership of the debt can be established. I respectfully request that the order be granted in order to facilitate this"

Please tell me what you think :p

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Sounds very good to me. I especially like the "until ownership of the debt can be established" bit. I'll use that myself next time. Problem is some judges have been ruling in favour of CCA defaulters despite the law because they have produced statements proving the debt exists. A "wrong person" defence means the agreement has to be produced in order for the creditor to win.:-)

"Why CCJ when you can CCA!"

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I'm glad you like! I knew the Law units I took would come in handy one day.:p

 

I'm going to try and get the N244 lodged this week. We'll see what happens. :D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hello deedee

 

Just popped in to add my support - following this one with interest too; can't give you any advice, as you well know (!), just 100% backing.

 

Also, hope the new job went okay today - belated congratulations on that!

 

"Speak" to you soon :D

 

Lotsa luv

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

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Thanks Jo.

 

Stop putting yourself down as you are more help to me than you realise!

 

BTW didn't start today as planned. Will start tomorrow instead.

 

Thank you for the wishes. Will "speak" to you later too. ;-)

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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  • 2 weeks later...

OK CrapQuest have not responded to my CCA request in any way, shape or form. I should really apply for the set aside now but I'm worried that my reasons may be deemed too trivial for the application.

 

POET has kindly given me ideas on how to word my N244 but I would seriously like some more input. Does anyone know if Laiste is about or anyone else with some legal knowhow.

 

POET if you have anything else to add, I would welcome it.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Deedee not receiving the summons and not being provided with the paperwork which you need for your defence are not trivial matters at all - they are grounds for set aside. Scroll around for Laiste and PM her - she is very busy at the moment but will respond.

 

Good luck,

POET.

"Why CCJ when you can CCA!"

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The only grounds you have here for set aside are the fact that you did not receive the paperwork, get the judgement set aside, and if they re apply for it then use a new CCA request as part of your defence. The lack of a CCA now does not mean they didn't have it when they applied for judgement, all the lack of CCA does is make the debt unenforceable - it does not mean it does not exist -this debt has already been enforced through the court, and therfore at this point in time until you get the judgement set aside the CCA request is of no use to you.

Have you moved recently?

Have you SAR's Citi for your statements to claim back charges?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks Gizmo and POET.

 

I have already PMd Laiste before I wrote my last post. I know she's busy but is good at replying, so will await her response too.

 

I want to move quickly on the set aside as I don't want Cr*pQuest to move for an enforcement of the judgement as Cr*p One did to me (pre-CAG days :mad: ).

 

I am due at County Court tomorrow for another matter - let's just say bank charges, being a student and being on a low income supporting two children, impacted all aspects of my life including keeping the roof over my head. Will I be able to see if the court has details of the Judgement if I ask a Clerk? I don't want to pay Registry Trust if I don't have to.

 

I will post up some draft wording of my N244 once I have all the details of the Cr*pQuest Claim.

 

Gizmo with regards to Citi I have all my statements (my card was originally with the Associates) but will probably put an SAR request in anyway as I would like to see ALL the information they hold on me.

 

Thank you all once again.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Did you get any charges added to the account? Did you recieve notice of default?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I'll have to look through all the paperwork I have. TBH it was at a time when I was burying my head in the sand (unlike now) because I was so stressed, and really unwell at the time.

 

I definitely did have charges added to the account. My default balance was around £2k. My credit limit was £1210.

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee,

 

Sorry about the delay in replying , as I think everyone knows my computer hasn't been well!:rolleyes:

 

I think the best course of action would be to find out definitively if the company holds an agreement first before you file the N244. You need to send a forthright, follow up letter by guaranteed delivery, not recorded it's useless! I would not ordinarily suggest that anyone chases a bank, credit card company or DCA for an agreement, but your situation is different. Whilst you could file the N244 on the basis of not receiving the claim pack alone, which of course is a very strong argument, you will have a stronger case if you can also demonstrate that you would have had a sound basis for defending the claim, eg. no agreement, or an irredeemably flawed agreement. If you couldn't give the Judge such a good reason, so that when it came down to it, the outcome would have been the same i.e.the CCJ (save for a reduction in the amount claimed due to penalty charges) he would reject the set-aside. You need to cover all bases and make your case watertight.

 

Whilst you may not necessarily have felt able to respond to their claim in March, you know what the arguments are now and can advise the Judge that you would have defended the claim on the basis of no agreement, or a fatally flawed one. Of course what you state will depend on what the company provides, or not as the case may be!

 

The Judge needs to know in granting the set-aside that it is not a waste of the Court's time and resources and that the outcome would have been entirely different had you received the claim pack.

 

I hope this is helpful for you!

 

Regards,

 

Laiste.:)

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Thank you Laiste!

 

I knew you'd come through. Hope your PC is much better. LOL! I used to repair PCs in my spare time. Perhaps we could do a skills exchange!

 

I will follow up my letter to Cr*pQuest. They have not responded since my first letter which I know was signed for. :mad:

 

I was worried that they might apply for a Warrant of Execution whilst I am trying to obtain this information from them, and did not want to antagonise and provoke them into action.

 

I am shattered and will need to be up in three hours. I have just finished working on my N1 for my Abbey claim as I am going for default removal and combining two claims together. If you get a minute free, could you cast your eye over it here Abbey POC.

Thank you so much for your advise above and I will get cracking.

Warm regards,

deedee :D

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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HEEELLLLPPPP!!!!

 

I've just got home and I have found a Notice Application for Attachement of Earnings order from Cr*pQuest.

 

Should I now apply for the set-aside?!!

 

Laiste told me that I should chase for the CCA but this is more pressing as they require the completed statement of means with in 8 days. The notice is dated 10 July 2007.

 

Please advise.

 

Thank you.

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee,

 

It looks as though Capquest have probably got wind of what you're intending to do, hence the AoE. Yes, you will need to apply for the set-aside straight away, under the circumstances. When the set-aside hearing takes place, you will simply advise the Judge that you would have defended on the basis of the agreement's validity. As long as he/she can see that you would have submitted a credible argument, you will be fine.

 

You need form N244 (application notice) which will cost £65.00 to submit. When detailing your reasons, it is best not to write in Part C, but to type up a letter, it just looks better. Then staple/paperclip it to the app notice. You also need to take two copies of both the app notice and the letter. You file the original at the Court, keep one copy for your file and send the other to the Claimant.

 

I've just had a further thought. When giving reasons, in addition to non receipt of claim pack, it is worthwhile stating in respect of the agreement, that it is your belief that no agreement exists.

 

I hope this helps.

 

Laiste.:)

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Thank you Laiste.

 

I was in the middle of writing another, more strongly worded CCA request to Capquest.

 

They have been in default of my request since 2/7/2007 and I was awaiting for 28 days to elapse for them to have committed an offence under the Act.

 

I just wanted your opinion on the following

 

1. Should I complete the AOE? (I am self employed although I have just started a new job for an employer as a PAYE employee)

 

2. Should I attach my CCA request letter to Capquest including proof of its receipt to my N244?

 

3. Should I still send the second CCA request to CapQuest so that I have added proof that I have pursued this as far as I can under the circumstances?

 

I have a PDF version of the form so will type directly to it and continue on another sheet of paper if needed.

 

Once again, your help is greatly appreciated.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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