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       #Post#: 35850--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: b789
       Date: September 5, 2024, 7:14 pm
       ---------------------------------------------------------
       For now, have you completed the AoS as advised?
       Obviously POPLA didn’t accept the PoFA no Hirer liability. At
       any stage was the hirer identified as the driver? If the driver
       has been identified, PoFA ceases to be relevant.
       As this is a claim filed by DCB Legal, as long as a defence is
       submitted, any defence, it is 99% likely to end as a
       discontinuation just before any hearing date. It is their modus
       operandi. However, we have to take into account the 1% chance it
       would actually end up as a hearing.
       For now, the most important thing is to make sure the AoS is
       done. The long defence from the MSE forum that you have shown
       us, is not necessary. What happened at POPLA is irrelevant to
       the situation now.
       Imagine that you had never known anything about this PCN and the
       first you heard about it was what is in the Particulars of Claim
       (PoC). Based on that woefully inadequate information, how would
       you defend yourself? The claim form is the only information you
       have.
       Think about what you could glean from that bit of information
       and then think how you answer the allegation? Is the date shown
       the actual date that the PCN was issued or is it the date of the
       alleged parking contravention? Is the sum of the alleged debt
       correct? How much is the charge and how much is damages or debt
       recovery fees? Is the interest correctly calculated from
       whatever date it became due? If you are being accused of being
       the driver, can they prove that allegation? If they are claiming
       that you are the Keeper, can they prove keeper liability?
       Remember, the burden of proof is on the claimant to prove their
       claim, not on the defendant. Do not put words or details not
       alleged into any defence that gives them ammunition to use
       against you.
       Maybe a read of CPR 16.4 would help you understand whether they
       have complied with all its requirements. After all, rules are
       rules and if they have failed to comply with any, their claim
       can be argued to be deficient and struck out.
       #Post#: 35852--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: b789
       Date: September 5, 2024, 8:42 pm
       ---------------------------------------------------------
       Here are links to a Defence and a Draft Order to accompany the
       Defence. The Defence only requires the header info to be edited
       and a typed signature and date to be added. The accompanying
       Draft Order does not require any editing.
       Short Defence
  HTML https://www.dropbox.com/scl/fi/shdv5zqlsi9uyeqzdeje7/Short-defence-copy.pdf?rlkey=t1w1alqq30ndoohhdocesq6nq&dl=0
       Draft Order for the Short Defence
  HTML https://www.dropbox.com/scl/fi/yjj8nwoc6sknmc9uawecf/short-defence-order-copy-3.pdf?rlkey=y3xyz2s8vumu0k3webocx9sza&dl=0
       If you’ve edited the header info with the claimant name and your
       name, claim number and signed and dated it, you can email both
       documents as PDF attachments to
       claimresponses.cnbc@justice.gov.uk and CC in yourself. The
       subject of the email must include the claim number, preferably
       as “claimant name v your name [claim number]”. In the body, just
       say “Please see attached PDF Defence and Draft Order for case
       (Claimant name v your name [Claim number])”.
       You must receive an auto-response from the CNBC which should be
       almost immediate. If you don’t receive on after a few minutes,
       try again. If still no auto-response, try using a different
       email agent.
       For info, the Claimant is the PPC,  it the solicitor.
       #Post#: 35854--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: cm790
       Date: September 6, 2024, 12:25 am
       ---------------------------------------------------------
       --- Quote from: b789 link ---
       >
       > For now, have you completed the AoS as advised?
       >
       > Obviously POPLA didn’t accept the PoFA no Hirer liability. At
       any stage was the hirer identified as the driver? If the driver
       has been identified, PoFA ceases to be relevant.
       >
       > As this is a claim filed by DCB Legal, as long as a defence is
       submitted, any defence, it is 99% likely to end as a
       discontinuation just before any hearing date. It is their modus
       operandi. However, we have to take into account the 1% chance it
       would actually end up as a hearing.
       >
       > For now, the most important thing is to make sure the AoS is
       done. The long defence from the MSE forum that you have shown
       us, is not necessary. What happened at POPLA is irrelevant to
       the situation now.
       >
       > Imagine that you had never known anything about this PCN and
       the first you heard about it was what is in the Particulars of
       Claim (PoC). Based on that woefully inadequate information, how
       would you defend yourself? The claim form is the only
       information you have.
       >
       > Think about what you could glean from that bit of information
       and then think how you answer the allegation? Is the date shown
       the actual date that the PCN was issued or is it the date of the
       alleged parking contravention? Is the sum of the alleged debt
       correct? How much is the charge and how much is damages or debt
       recovery fees? Is the interest correctly calculated from
       whatever date it became due? If you are being accused of being
       the driver, can they prove that allegation? If they are claiming
       that you are the Keeper, can they prove keeper liability?
       >
       > Remember, the burden of proof is on the claimant to prove
       their claim, not on the defendant. Do not put words or details
       not alleged into any defence that gives them ammunition to use
       against you.
       >
       > Maybe a read of CPR 16.4 would help you understand whether
       they have complied with all its requirements. After all, rules
       are rules and if they have failed to comply with any, their
       claim can be argued to be deficient and struck out.
       >
       --- End Quote ---
       Thanks for both of your responses.
       I have completed the AoS so I will have a good read of what you
       have put and respond shortly.
       #Post#: 35858--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: cm790
       Date: September 6, 2024, 2:58 am
       ---------------------------------------------------------
       --- Quote from: b789 link ---
       >
       > For now, have you completed the AoS as advised?
       >
       > Obviously POPLA didn’t accept the PoFA no Hirer liability. At
       any stage was the hirer identified as the driver? If the driver
       has been identified, PoFA ceases to be relevant.
       >
       > As this is a claim filed by DCB Legal, as long as a defence is
       submitted, any defence, it is 99% likely to end as a
       discontinuation just before any hearing date. It is their modus
       operandi. However, we have to take into account the 1% chance it
       would actually end up as a hearing.
       >
       > For now, the most important thing is to make sure the AoS is
       done. The long defence from the MSE forum that you have shown
       us, is not necessary. What happened at POPLA is irrelevant to
       the situation now.
       >
       > Imagine that you had never known anything about this PCN and
       the first you heard about it was what is in the Particulars of
       Claim (PoC). Based on that woefully inadequate information, how
       would you defend yourself? The claim form is the only
       information you have.
       >
       > Think about what you could glean from that bit of information
       and then think how you answer the allegation? Is the date shown
       the actual date that the PCN was issued or is it the date of the
       alleged parking contravention? Is the sum of the alleged debt
       correct? How much is the charge and how much is damages or debt
       recovery fees? Is the interest correctly calculated from
       whatever date it became due? If you are being accused of being
       the driver, can they prove that allegation? If they are claiming
       that you are the Keeper, can they prove keeper liability?
       >
       > Remember, the burden of proof is on the claimant to prove
       their claim, not on the defendant. Do not put words or details
       not alleged into any defence that gives them ammunition to use
       against you.
       >
       > Maybe a read of CPR 16.4 would help you understand whether
       they have complied with all its requirements. After all, rules
       are rules and if they have failed to comply with any, their
       claim can be argued to be deficient and struck out.
       >
       --- End Quote ---
       - Having reviewed the documentation between myself, ECP, and
       POPLA, at no point has the hirer been identified as the driver.
       - To address the very helpful points you have made:
       I received a letter from my finance company (who are the
       registered keeper) on 05/06/2020. Attached to this was a copy of
       the NtK dated 27/05/2020, with the same issue date. The date of
       the event on this letter is 19/05/2020, which is the same date
       as the PoC.
       ECP sent a notice to the hirer on 11/06/2020 with an event date
       of 19/05/2020.
       - I used our friend ChatGPT to calculate the interest, and this
       was the result:
       I used 21 days from 11/06/2020 so 02/07/2020.
       The interest accrued on the fine would be approximately £56.90,
       making the total amount due £226.90, assuming the notice to
       hirer was dated 11/06/2020, with 21 days to pay the fine at an
       8% annual interest rate.
       They are asking for £231.31 on the PoC.
       Would I use a different date to calculate this?
       Other than notifying ECP of my address for correspondence on
       15/06/2020, there has been no admission of liability or
       identification of the driver.
       I'll have a read of CPR 16.4 and follow this post up.
       Thanks again.
       I entered the PoC against CPR 16.4 and this was the result:
       Based on the information provided, it appears that the claimant
       has complied with the requirements of CPR 16.4. Their
       particulars of claim include the necessary elements: a concise
       statement of facts, the amount claimed, the interest, and a
       reference to costs and court fees.
       Unless of course the interest amount is wrong.
       #Post#: 35899--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: H C Andersen
       Date: September 6, 2024, 9:19 am
       ---------------------------------------------------------
       OP, have the PoC disappeared?
       #Post#: 35900--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: DWMB2
       Date: September 6, 2024, 9:29 am
       ---------------------------------------------------------
       --- Quote from: cm790 link ---
       >
       > I used our friend ChatGPT
       >
       --- End Quote ---
       I say this in the spirit of helping you... I think you need to
       be careful how much you rely on ChatGPT. I just asked it how
       many times the letter 'r' appears in 'strawberry':
  HTML https://i.imgur.com/cCPEYIQ.png
       If it can't count how many times a letter appears in a word, I'm
       not sure I'd trust it to offer me legal advice when I was being
       sued.
       #Post#: 35902--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: b789
       Date: September 6, 2024, 9:32 am
       ---------------------------------------------------------
       Do you know the date interest is calculated from? Interest isn't
       calculated from the date of the issue of the PCN. Interest is
       calculated from the "past due" date of the PCN. Do you know when
       that date was? Have you calculated the interest on the principal
       sum or on the total sum which includes debt recovery fees and or
       damages.
       Based solely on the information in the PoC, how on earth can you
       calculate anything? The PoC state that the PCN was issued on
       x/x/xx. No it wasn't. The PCN was issued after they applied for
       the Keeper data from the DVLA.
       What does PoFA 9(4)(5) say about the charge?
       Stop using ChatGPT as though it is infallible. It is very error
       prone when it comes to doing a simple comparison to things,
       especially when it cones to UK law.
       #Post#: 35907--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: cm790
       Date: September 6, 2024, 9:57 am
       ---------------------------------------------------------
       --- Quote from: H C Andersen link ---
       >
       > OP, have the PoC disappeared?
       >
       --- End Quote ---
       Sorry, I redacted the bits I had missed and couldn't update the
       link.
       Here it is:
  HTML https://emergencyservicechallenge.co.uk/wp-content/uploads/2024/09/Claim-form-front-page-2.png
       #Post#: 36489--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: cm790
       Date: September 11, 2024, 12:40 pm
       ---------------------------------------------------------
       --- Quote from: b789 link ---
       >
       > Do you know the date interest is calculated from? Interest
       isn't calculated from the date of the issue of the PCN. Interest
       is calculated from the "past due" date of the PCN. Do you know
       when that date was? Have you calculated the interest on the
       principal sum or on the total sum which includes debt recovery
       fees and or damages.
       >
       > Based solely on the information in the PoC, how on earth can
       you calculate anything? The PoC state that the PCN was issued on
       x/x/xx. No it wasn't. The PCN was issued after they applied for
       the Keeper data from the DVLA.
       >
       > What does PoFA 9(4)(5) say about the charge?
       >
       > Stop using ChatGPT as though it is infallible. It is very
       error prone when it comes to doing a simple comparison to
       things, especially when it cones to UK law.
       >
       --- End Quote ---
       Having read what you've attached and what you've written here, I
       understand what you're explaining now. Thank you for taking the
       time to provide the advice.
       I will get the defence signed.
       I'm going away from 19th - 29th Sept so I won't have access to
       emails during that time.
       Based on that, what would be the ideal date to send the defence?
       #Post#: 36492--------------------------------------------------
       Re: New court claim issued - 28th Aug
   DIR By: b789
       Date: September 11, 2024, 12:49 pm
       ---------------------------------------------------------
       As long as you don't miss the deadline to email the defence, it
       doesn't really matter. The next step after submitting the
       defence is the N180 DQ which doesn't happen for several weeks at
       least.
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