Jump to content


  • Tweets

  • Posts

    • 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  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Is My Agreement Enforceable - Useful


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4790 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.2k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

hi nickkarkie,

 

To be honest I can`t really see anything wrong with this CCA, except for the lack of `Cancellation Rights`. But, there is a paragraph stating you have a right to settle the agreement at any time by paying all monies owed. I`m not sure if this means the same thing, because the Cancellation Rights give you a short cooling off period to cancel the agreement incase you chose the wrong product or something to that effect.

 

Once could argue the right to settle is for use once the agreement is under way, therefore you could say you still have no Cancellation Rights.

 

That`s what I would argue anyway.

 

As chalky says, have a look on the Egg Agreements thread, and maybe post up your CCA there, or at least a link to this thread.

 

Hope this helps.

 

Don`t give up hope though.

 

Regards

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

Hi, can anyone tell me if my agreement is enforceable? I scanned it on another thread and somebody said it looks enforceable to them, but today I noticed that at the bottom of the first page of the agreement it says "application form" which has been deliberately covered with a white sticker but you can still see what is underneath when the light shines on it. Surely then it is not an agreement but an application form. You can actually still see it in the scan i have uploaded on the bottom right of the first page. Any advice?

 

 

There's a lot of discussion on the thread that Chalkitup mentioned particularly as regards the words "approved limit" and the missing reference to "credit limit."

 

There may also be some reference to securitisation which is why you need to read and grasp the thread!!

 

Good luck ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Hi,

I've CCA'd DCA acting for AMEX Credit Card and received what appears to be a Pre Approved Application (looks like 24/06/94), plus 3 pages of a Credit Card Agreement. I'd like an opinion as to its validity/enforceability. I'll upload it to photobucket.

Link to post
Share on other sites

What would really be useful , if someone could post an agreement that was unenforceable and post it on here with the parts highlighted which made it unenforceable.

From what i have been reading it would help a lot of members.:D

Link to post
Share on other sites

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Yes i agree, this Egg agreement can be ARGUED by some as unenforceable. I have an identical one and i am sure as hell going to be arguing that, based on the very non-specific term "Approved Limit" which i will argue is not a prescribed term. However, i have been warned not to get too excited as it is down to the JUDGE ON THE DAY to decide if this term is acceptable or not. Its a VERY grey area i am afraid, but well worth looking into in my opinion.

As for securitization, wherever she lives when she's at home, i have no clue myself but looks like i need to get to grips with that too. Any short translations of what thats about would be VERY useful please :D

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

Could someone please have a lookat my credit card agreement

 

The reason I am thinking it is not enforceable are

 

Interest rate not on the same page as the signature

 

No mention of balance transfer when it was set up specifically for that

 

No mention of charges such as late payment fees etc

 

Linky

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

Link to post
Share on other sites

Out of interest, can I tell BPO to go bog if my name is spelled incorrectly on the agreement? They missed a letter out of my name.

 

Think that would be classsed as de minimis so, no!!

 

de minimis = the law does not care about very small matters

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Hi

My ears were burning

 

I have been loking at quite a few of these just lately.

 

I pesonally do not prescribe to the limit argument as i believe that the regs refer to the "techical term(the number as in £100) " in the statute and not the badge or label but others differ.

 

I am getting intersted in the interrest charges thing though especially the application of the charges for cash.

 

The regs say that if their is no cash amount on which to base the APR then they must use the assumptions which in the case of an agreement of this age is £100 but i cannot for the life of me get it to work out.

 

Tell me does the agreement say 18.6 or 16.6 for cah advance apr(it is a little unclear).

Also when you make a cash transaction is the fee added to the debit ballance or is it just incleded in the interest repayment ,in other words do you see it on your statement as £2 cash fee.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

But it is actually completely different name, the way they have spelled it. I worked for a time for a company dealing with debt elimination & they said that if a name is spelled wrong then an agreement can be considered null & void. Is this not the case? This 'de minimis' is a joke, if the law does not care about very small matters than what is the point of the law at all. Or is it that the rules can be suitably bent to provide a good outcome for the companies that are actually working illegally?

Link to post
Share on other sites

But it is actually completely different name, the way they have spelled it. I worked for a time for a company dealing with debt elimination & they said that if a name is spelled wrong then an agreement can be considered null & void. Is this not the case? This 'de minimis' is a joke, if the law does not care about very small matters than what is the point of the law at all. Or is it that the rules can be suitably bent to provide a good outcome for the companies that are actually working illegally?

 

I won't be able to find the threads now, but I have read this before and it was claimed to be de minimis. The crux will be if they have a document with your signature on that has all of the prescribed terms within 4 corners.

 

It would be nice as I know that on one of my agreements, Egg have mispelt my christian name and also given me a new initial for my middle name. Nonetheless, these details are actually linked to me on my credit reference.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Out of interest, can I tell BPO to go bog if my name is spelled incorrectly on the agreement? They missed a letter out of my name.

Firstly there would most likely be a statement on the document that states if the detail are incorrect please amend

 

it is your obligation to ensure that the document which you sign is accurate, you can be held accountable for basic errors if you fail to notify the company of the error, this would be the case as well if you entered the wrong info on your application form and then allowed the error to continue on the actual agreement

 

As it goes, if the name is not your name and your signature does not appear on the agreement then you may have an argument.

 

however if it is as WelshMam2009 suggests then its likely to be classified as de minimis non curat lex and therefore as the latin states the law does not concern itself with triffles

Link to post
Share on other sites

So even if the agreement is in a totally different name it doesn't matter? Strange.

 

I haven't signed anything. It was with Virgin Media and I have been told there is no paperwork etc (I sent a request for info thingy wotsit)

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4790 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...