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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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Cabot Providian credit card CCA return


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hi.

i've been paying a debt back over the last two years for a credit card i had some time ago.

 

a debt collector visited the house and i arranged to pay through direct debit.

 

he gave me an amount i owed and a payment card which he marked off each payment in the beginning before the direct debit was set up..

 

i deducted every months payment until in my view i had payed off the debt completely

 

.now robinson way have sent me a letter saying i still owe £262.00..

there is now ay that i owe this or even owe them anything .

 

i think the debt was being payed to a different company in the beginning.

 

i phoned robinson way and they just didn't have a clue what they were doing but in the end they confirmed that they had been receiving my direct debit.

 

now they are asking me for proof that i have payed off this debt.

 

in my eyes i have but what is stopping them making up a starting figure ,different to the one the debt collector gave me.

 

any advice on what to do next would be great as i am adamant that i will not pay anymore and do not owe them any more money.

 

cheers

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Actually they've got it the wrong way round, it is them who have to prove that you haven't paid off the debt. I would send them a CCA request and ask for a statement of account as well.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi im pretty much having same probs as you,ive been paying rob way/horwich farrelly for a few years now the debt should have been payed ages ago but they keep sending me letters saying our client has added new charges here is your new total,the debt just keeps being bumped up and its doing my head in,the debt was from united utilities ive been in touch with them and they say they have never added anything,so i know rob way are ripping me off,i sent off for a statement of account it took them 2 weeks to reply only to say we no longer hold the account so ive just sent a SAR if they dont comply to that then ill be taking further action,ill watch your thread with interest,i have my own thread on this matter,just wanted to let you know your not on your own,kind regards col x

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  • 2 weeks later...

hi

just received a letter today from robinson way saying

thank you for the £1 which has been credited to pay off my account.

 

carries on to say that if i don't make full payment or contact them to agree a reasonable instalment plan then further action will be taken.

 

i'm sure i've read that they did this to someone else too.

 

.any advice on what to do next would be gratefully received..

thanx all.

 

p.s. forgot to add that they have totally ignored cca request and request for statement of account.

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that's a normal stunt from these clowns

 

send them this one.

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Dear Sir/Madam

 

 

Re:− Account/Reference Number

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. i enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

Under no circumstances does the £1.00 postal order form any part of payment on the above account.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

Yours faithfully

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i have already sent that letter on the 9/7/07 which they have totally ignored ..do you know what the next step is .i've read that if they take longer than a month to give the cca request then they are committing an offence..do i wait that long before doing anything or is there another letter i can send ?

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i have got a receipt for the recorded letter i sent.haven't rung post office to see if it was signed for though.although they obviously have received it as they took the £1 i sent for the cca.

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leave it go 15 days and phone Royal Mail on their helpline and ask them about your track and trace ref number if they say it's lost,reply that's funny the receiver has admitted receiving the contents.

that's why i now always send special delivery

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whats the difference with special delivery and how much does that cost.i've paid enough money to robinson way and grudge paying out any more for a debt which should be dead and buried.

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special delivery costs £4.30 for a standard letter next day delivery

 

this is a useful letter someone posted on CAG,and i av used it and it was very sucessfull

 

Your Address

Their Address

 

Client Ref No.

 

Dear Sir/Madam

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter.

This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request.

Your obligation also extends to providing me with a statement of account. I enclose a postal order £1, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER:

i. True copy of original credit agreement

ii. Statement of account

iii. Copy of the executed deed of assignment from ...

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Further to the above, please ensure that any contact by you is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment.

I look forward to hearing from you within the statutory time limit.

Yours faithfully

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its looks like a good letter to send but i have already sent a letter with £1 for the CCA request and statement of account which they have ignored..they have 2 days (21/7/07)until they default and 21 days until they commit an offence.have you any idea what letter i can send once these time limits are up?

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  • 4 weeks later...

i've just received a letter from Cabot Financial.

 

It has changed from Robinson Way but on the letter i previously received from RW it said that the money was due to Cabot Financial.

 

on this recent letter it says thank you for your recent payment

(i suppose they mean the £1 i sent for the credit agreement.

 

the twelve days has passed long ago

but Cabot have replied within the month time schedule but ignoring any credit agreement and statement of account i asked for.

 

they have said on the letter that interest where applicable , will be added until i make an agreement to pay.

 

i have no intention of paying these people any more money as i have paid of the debt in my eyes

and they keep adding money on(as previously explained in my other posts).

please could someone advise on what to do next.

 

do i send another letter to Cabot this time ,and if so which letter do i send?

thanx all

dazza

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Dear xxxx

 

Account Ref xxxxx

 

I do not acknowledge any debt to your company or to any company that you claim to represent.

 

A request for my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by Robbers Way on xx/xx/2007. Until such times as they are able to comply with this request, the account remains in dispute, is unenforceable and no payments will be forthcoming.

 

Yours sincerely/faithfully,

 

:p

 

Send by rec. delivery.... keep the receipt.

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