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BW legal - Letter of Claim

Mountains
Posts: 30 Forumite

Received a PCN last year August 2017 by NCP for parking for 12 minutes according to their APNR. Im sure it can take that time to find a suitable parking spot!!
This was appealed online for which I saved the ref number but heard nothing back until I received further letters stating I had not appealed. I got in touch with BPA arguing they had breached their terms and conditions as I had not heard anything back from them within the 35-day time frame and that the case should be dropped. They responded saying NCP had rejected the appeal and claim they send me a letter giving me a POPLA code which of course now was invalid. The rejection letter simply stated their terms and conditions had been breached that the car was parked without paying a charge. None of the points mentioned in the appeal were addressed
After this NCP wrote to me saying they will accept the original penalty if I paid within their set window which I ignored
Letters were received from Trace debt recovery and then Gladstones asking to pay £160 which were ignored. I thought it had gone cold but then I received a letter from BW legal saying I need to pay £160 pounds within 16 days as I had not originally paid or appealed (the latter which I did) again this was ignored
I have now received a letter of claim saying NCP have requested them to commence legal action and asking me to pay this £160 by 1st August and they are saying the costs now could estimate to around £250 if the legal action goes ahead. They have requested i fill out some forms and send back to them by this date if want to dispute this. They have said they will issue a county court claim.
I have given a summarised story and I have saved all correspondence involved. I'm sure there may have been other areas where NCP and their third parties have played unfairly along the way and will be happy to post any of the documents.
I would appreciate any help on this matter
This was appealed online for which I saved the ref number but heard nothing back until I received further letters stating I had not appealed. I got in touch with BPA arguing they had breached their terms and conditions as I had not heard anything back from them within the 35-day time frame and that the case should be dropped. They responded saying NCP had rejected the appeal and claim they send me a letter giving me a POPLA code which of course now was invalid. The rejection letter simply stated their terms and conditions had been breached that the car was parked without paying a charge. None of the points mentioned in the appeal were addressed
After this NCP wrote to me saying they will accept the original penalty if I paid within their set window which I ignored
Letters were received from Trace debt recovery and then Gladstones asking to pay £160 which were ignored. I thought it had gone cold but then I received a letter from BW legal saying I need to pay £160 pounds within 16 days as I had not originally paid or appealed (the latter which I did) again this was ignored
I have now received a letter of claim saying NCP have requested them to commence legal action and asking me to pay this £160 by 1st August and they are saying the costs now could estimate to around £250 if the legal action goes ahead. They have requested i fill out some forms and send back to them by this date if want to dispute this. They have said they will issue a county court claim.
I have given a summarised story and I have saved all correspondence involved. I'm sure there may have been other areas where NCP and their third parties have played unfairly along the way and will be happy to post any of the documents.
I would appreciate any help on this matter
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Comments
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Everyone is politely asked to read up on this in the Newbies FAQ thread near the top of the forum.
All help in dealing with this is there. Go there now to learn about the game you are now caught up in
#2 covers court claims from the lbcca right through to the hearing0 -
And here is the problem for BWLegal .... they have added
what is probably the £60 which is fake from a debt collector.
If it does go to court, it's the charge of £100 from
the ticket, £25 for court fees and about £50 for legal
fees (BWLegal), maybe a bit of interest but no more
than £180 (up to £200)
You now need to ask them for a breakdown of the £160.
Let us know how they fabricate this.
You will now be in dispute and until they clarify this with
you to your satisfaction, court is not an option for them.
Of course they may ignore you, which they do, but if
it gets to court, the judge can take over and no doubt
they will be whooped giving you the opportunity to
claim your costs against them
As this seems to have been around the block for some
time, it has slipped through the fingers of Gladstones, I
would suggest someone has seen a problem here
In the pack you no doubt received an attachement
of earnings ??? Ignore that as you can ill afford to
pass private data to these people, never know where it
will end up.
BWLegal ..... a breakdown of £160 please
Also be aware that the BPA has already stated that ANPR
is not 100% reliable
https://www.youtube.com/watch?v=WIaKMkO3YVM
Possibly why your case is going round the houses0 -
Thanks, Quentin I have gone through this and wasn't sure of the letter by Daniel san still applies?
I have tried to attach the form they have sent me but cannot upload links for now...not sure when I can?0 -
Are the forms you are talking about those shown on pages 10 onwards in this document:
If so, you can ignore them.
Reply using a robust response from post#2 of the NEWBIES FAQ sticky thread making sure you request all the things you are entitled to but which they have failed to send.
Yes, Daniel San's response still applies, but of course will need adjustment to your situation.0 -
Do you mean a form you got with the lbcca?
If so no need to post it here. Don't fill in any of their forms.
Post #3 above is a little misleading. You can only get an attachment of earnings after losing in court, and then not paying the CCJ off.
Were these events to come, you would be told if they were applying for an attachment of earnings.
In short ignore that suggestion, and don't return the forms!0 -
Yes it was the forms given with the letter and identical to the ones mentioned by KeithP
The attachment of earning and expenditure was received but it I had no intention of filling this out
As I cannot post links I'll try to find an easy way to type out the letter recieved and will use the letter by Daniel San and adapt that and include justification of the sum they have calculated
Would someone mind having a look at it if that's ok and I'll get it sent off
I take it that is all I can and should do for now ?0 -
I finally managed to use OCR to get the letter although there may be some errors in grammar and spelling! I'll post the letter I plan to send in the next post
Our Client: National Car Parks Limited
Account Number:
Date of Contravention: August 2017
Balance Due: £160.00
Vehicle Registration:
Contravention Description: Parked without payment of the parking charge
Contravention Location:
We have been instructed by National Car Parks Limited to commence legal action in the form of issuing a Claim against you in the County Court in respect of the above debt. If payment or a response is not received before 1 August 2018, we are instructed to issue a Claim against you in the County Court without further notice. If you dispute this debt, please tell us why so that we can help resolve this matter.
Estimated Claim
Such legal action may result in you being liable for court fees, solicitors' costs and statutory interest which are estimated below.
Enclosures
Enclosed with this letter are:
• lnformation Sheet a sheet explaining what to do next, including how to avoid Court action
• Reply Form: a form to complete and return containing four sections.
• Income and Expenditure Form: a form to complete and return to outline your financial circumstances.
Principal Debt+ Initial Legal Costs £160.00
Estimated Interest £11.19
Estimated Court Fees £25.00
Estimated Solicitors' Costs £50.00
Estimated Total £246.19
What You Need To Do Now
Payment of £160.00 or your reasons for non payment are required by 1st August 2018 to avoid the above legal action. If you are unable to pay the Balance in full, Our Client is willing to enter into a payment arrangement which is affordable for you taking into account your financial circumstances.
How to get in touch
Call us today on 0113 323 4479 or email us at contact@bwlegal.co.uk to discuss this matter with one of our helpful team. Complete and return the attached Reply Form to us at the address at the foot of this letter by I August 2018.
Pre-Action Protocol for debt claims
This letter is being sent to you in accordance with the Civil Procedure Rules Pre-Action Protocol for debt claims, a link to which is contained on the foot of the enclosed information sheet. In particular, we refer you to paragraph 7, which sets out the expectations of the court in terms of complying with the Protocol.
Particulars of Debt
On August 2017, you were granted a limited contractual licence to enter the land known as ("Site"), which is managed and operated by Our Client. In return, you were lo abide by certain terms and conditions ("Terms and Conditions") which were prominently displayed on the signage erected in situ by Our Client. On August 2017, you breached the Terms and Conditions by Parked without payment of the parking charge ("Breach"). The Breach resulted in Our Client issuing a Parking Charge Notice ("PCN") on which, despite our client's attempts to engage with you and agree a suitable payment arrangement, remains unpaid.
Statement of Account
The following summary statement shows the transactions applied to your account since the PCN was issued by Our Client:
statement For the Period: August 2017 to June 2018
Principal Balance £160.00
total Payments £0.00
total Adjustments £0.00
total Interest £0.00
total Debt Recovery Costs £0.00
Current Balance £160.00
Our Client's entitlement to the total Debt Recovery Costs referred to in the table above is expressed in the Terms and Conditions, which you accepted upon entering the Site. Such costs are recoverable in any event under the relevant Parking Code(s) of Practice.
Warning of Court Proceedings
lf payment or a response is not received from you by 1st August 2018 we are instructed to issue a County Court Claim without further reference lo you, together with applying the interest, fees and costs highlighted on the previous page. If payment or a response is not received following a County Court Claim, a County Court Judgment ("CCJ") may be entered against you. lf a CCJ were to be entered, it would be recorded on your credit file for 6 years unless you pay the Judgment debt in full within a month of the CCJ being entered. A CCJ on your credit file may affect your ability to obtain future credit. If a CCJ were to be entered and you were to fail to comply with the CCJ order, we may apply to the County Court to take further enforcement action which you would be notified of separately.0 -
BW legal
Enterprise House
Apex View
Leeds
West Yorkshire
LS11 9BH
30th June 2018
Your Ref:
Dear Sirs,
I am in receipt of your Letter of Claim of 27th June 2018.
Your letter contains insufficient detail of the claim and fails to provide copies of evidence your client places reliance upon.
Your client must know that on 01 October 2017 a new protocol is applicable to debt claims. Since proceedings have not yet been issued, the new protocol clearly applies and must be complied with.
Your letter lacks specificity and breaches both the requirements of the previously applicable Practice Direction - Pre-Action Conduct and the new Pre-Action Protocol for Debt Claims (paragraphs 6 and 7) Please treat this letter as a formal request for all of the documents / information that the protocol now requires your client to provide. Your client must not issue proceedings without complying with that protocol. I reserve the right to draw any failure of the Claimant to comply with the protocol to the attention of the court and to ask the court to stay the claim and order your client to comply with its pre-action obligations, and when costs come to be considered.
As solicitors you must surely be familiar with the requirements of both the Practice Direction applicable pre-1 October and the Protocol which applies thereafter (and your client, as a serial litigator of small claims, should likewise be aware of them). As you (and your client) must know, the Practice Direction and Protocol bind all potential litigants, whatever the size or type of the claim. Its express purpose is to assist parties in understanding the claim and their respective positions in relation to it, to enable parties to take stock of their positions and to negotiate a settlement, or at least narrow the issues, without incurring the costs of court proceedings or using up valuable court time. It is astounding that a firm of Solicitors are sending a consumer a vague and unevidenced 'Letter of Claim' in complete ignorance of the pre-existing Practice Direction and the new Protocol.
Nobody, including your client, is immune from the requirements and obligations of the Practice Direction and now the Protocol.
I require your client to comply with its obligations by sending me the following information/documents:
1. An explanation of the cause of action
2. Whether they are pursuing me as driver or keeper
3. Whether they are relying on the provisions of Schedule 4 of POFA 2012
4. What the details of the claim are; where it is claimed the vehicle was parked, for how long, how the monies being claimed arose and have been calculated
5. Is the claim for a contractual breach? If so, what is the date of the agreement? The names of the parties to it and provide to me a copy of that contract.
6. Is the claim for trespass? If so, provide details.
7. A plan showing where any signs were displayed
8. Details of the signs displayed (size of sign, size of font, height at which displayed)
9. Provide details of the original charge, and detail any interest and administrative or other charges added
If your client does not provide me with this information then I put you on notice that I will be relying on the cases of Webb Resolutions Ltd v Waller Needham & Green [2012] EWHC 3529 (Ch), Daejan Investments Limited v The Park West Club Limited (Part 20) ; Buxton Associates [2003] EWHC 2872, Charles Church Developments Ltd v Stent Foundations Limited & Peter Dann Limited [2007] EWHC 855 in asking the court to impose sanctions on your client and to order a stay of the proceedings, pursuant to paragraphs 13 ,15(b) and (c) and 16 of the Practice Direction, as referred to in paragraph 7.2 of the Protocol.
Until your client has complied with its obligations and provided this information, I am unable to respond properly to the alleged claim and to consider my position in relation to it, and it is entirely premature (and a waste of costs and court time) for your client to issue proceedings. Should your client do so, then I will seek an immediate stay pursuant to paragraph 15(b) of the Practice Direction and an order that this information is provided.
Yours faithfully
____________________________________________________________
I did notice on the original letter there was aphrase under the numbered points saying 7. Provide me a copy of the contract with the landowner under which they assert authority to bring the claim, as required by the IPC code of practice section B, clause 1.1; establishing yourself as the creditor;
IS there anything similar for BPA. Had a read over the code of practice but not sure if I missed it0 -
Letters were received from Trace debt recovery
Make sure your reply also tells BW Legal that any claim is ONLY to be served to your address for service, which is:
xxxxx
xxx
xxxx
(because we've seen these claimants revert to an old address for a claim).
DO NOT ASSUME THEY WILL USE THE RIGHT ADDRESS BECAUSE THEY 'ALREADY KNOW'!This was appealed online for which I saved the ref number but heard nothing back
What was the car doing, dropping off or picking someone up for 12 mins and not parked in a bay?PRIVATE 'PCN'? DON'T PAY BUT DON'T IGNORE IT (except N.Ireland).
CLICK at the top or bottom of any page where it says:
Home»Motoring»Parking Tickets Fines & Parking - read the NEWBIES THREAD0 -
I did move house but this was before this even started. I've not moved house since this has been going on but I can include the statement at the end
I appealed as keeper although I think I vaguely remember saying the car was not parked there and was moving but did not say who was driving
The car was there for picking up and not parked in a bay.0
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