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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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Norton Finace PPI claim


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Hi, We have a loan with Norton Finance and have now written to them 3 times asking for our miss-sold PPI to be returned to us each time they tell us they did not miss-sell the PPI. We now feel we have no option but to take them to court as they were not covered by the ombudsman at the time we took the loan out.

 

We were told we could only take out the loan if we took the PPI, even though my wife was already covered and I could not be covered due to my health, The PPI only lasted 5 years even though the loan was longer than that and it was all paid as part of the loan forcing us to borrow more than we wanted. We only received one set of loan papers with the optional PPI box already ticked and were never given any figures without PPI.

We have copies of their computer records and they are laughable and incomplete.

 

Any one else had dealings with Norton Finance or advice on how to proceed taking them through the small claims court? We have been offered help from companies who will take it on with a no-win no-fee and again anyone had any success this way?

Many thanks

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Other will have to advise as far as Norton Finance are concerned, however to answer you other questions. Certainly if you had alternative cover, and you were given no option but to take the PPI, then it was missold.

 

Have a good read through the stickies at the top of the PPI forum, and you will find loads of useful information.

 

 

 

 

 

 

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Thanks for your advice. We have now been told by Norton for the 3rd time!!!! that they have dealt with our complaint and see no grounds to repay our PPI. So we feel we have no option but to go to the small cliams court.

Anyone done this? any help or advice would be great.

Thanks

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Hi, Iv been fighting with Norton Finance since November 2006, they have told me time and time again that it was the broker a Mr coultas who actually contacted them regarding my loan, Norton Finance / London Mortgage Company provided. Iv spoke to Mr Coultas on many occasions and he has informed me that the box is always ticked up front and that Norton Finance do this so we asume that if we don't sign then we will not get the loan he also has said he would come to Court to support this if required.

 

My box was ticked for me, and we were quoted the monthly repayment including the PPI, (no other figures were quoted without the PPI) so the PPI was assumptively sold to us.

I also had a pre exsisting medical condition and also an insurance in place for £100.000 already so we did not me any PPI.

The other fact is, I did,nt know of Sterling Insurance, there was no suggestion that the insurance was with them even with all the S A R correspondance from L M C. and Nortn Finance.

I wrote a letter to Sterling on 4th January 2008 asking for 40% of it back

and yesterday received a phone call from a very nice lady offering us the 40% although she said this was not usually pratice as I should have informed Sterling when the Loan was paid of and to cancel the PPI. How could we cancel a PPI insurance if we did,nt know who it was with.

Any way will fight through the Courts for the other 60% plus interest,

but nice to have £2440 to pay some of the bills.

 

By the way the nice lady from Sterling said she did,nt even have a telehone number for us, she had to ring LMC for it as we were also not in the Directory. I would have thought that is you had a insurance with any Company they would have all your details on file

 

 

Lv Lynn

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Hi, Thanks for the info.

Norton have said over and over they did not miss sell the PPI (they did on more that 3 points) and like you the box was ticked for us, and we were quoted the monthly repayment including the PPI, ane we also had no other figures quoted without the PPI so we are now resigned to taking them to court.

We have just sent a letter to them recorded delivery, saying that we feel we have no option but to take them to court. I'll let everyone know what happens next.

Why is that you have not taken them to court since it has gone on for so long?

Anyone else having dealings with Norton Finance?

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  • 2 months later...

yes, i too have had dealings with norton finance. i've had their final responce letter stating that they did not mis sell the ppi on a loan. My ppi box was also ticked on my behalf I also had assurance of £100k cover and recieve full sick pay for 6 months so didn't need the cover but they said that nemo would refuse my loan without ppi. They seem to be also relying on telephone conversations. I'm gonna SAR them to see what info they actually have. Also I did not recieve any other figures for the secured loan only those with ppi ticked as they said that I'd agreed for them to do this over the phone. I didn't have any choice! I had no idea it was gonna cost so much or that it was only for the first 5 years on a 25 year loan:mad: not sure what my next step will be? is it worth complaining to the financial ombudsman??

Your post is from Jan, hows your claim going?

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Our claim is still on going with Norton.

We have not be able to take them to court just yet due to lack of funds on our part.

The funny thing is, Norton Finance keep sending us mail shots stating “some time ago we had the pleasure of arranging a loan for you“! :lol: So I use their pre paid envelope to send them a letter reminding them that I will not let this go and send copies of all the letters we have sent in the one envelope, I always mark it for the attention of the Managing Director, so far they have just ignored these letters.

They treated us exactly the same as you and have effectively called us liars.:-x

When we took out the loan with them they were not covered by the ombudsman and did not record any phone calls (very convenient) but the transcripts of their calls that they sent us have huge bits missing.

As soon as we can afford it we will be taking them to court.

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