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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. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that 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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      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.

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Alan V Cabot


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Back in 2002 I had a Credit Card with Providien which then became Monument, I got behind with the repayments, the debt was then passed on to RMA, then, later CABOT, I have been doing battle with them ever since,

I sent a CCA request on Feb 14th 08, I recieved this letter from them ( not scaned )

it goes like this:

Your Request for infomation under the consumer credit act.

 

We acknowledge receipt of your request under sections 77 and /or 78 of the consumer credit act 1974

 

The Cabot Financial Group is not obliged to provide this information but we are pleased to help and havealready requested the documentation for you from the original lender.

Cabot Financial does not accept the statutory fee required under section 77 and/or 78 of the Consumer Credit Act 1974 and as a result Cabot has returned the fee for 1.00 that you have sent.

 

What Happens next

We anticipate that we will be able to provide this information within 12 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again.

 

Contacting Cabot

 

If you have any queries about your account or any payment options, call one of our helpful customer advisors on 01732 524615

 

in the meantime we thank you for your co-operation.

 

Yours sincerly Emma Robertson

Customer Relations Manager.

 

I wrote back and told them in no uncertain terms that the Original Time-frame still exists and they have to comply by law and returned the postal order

can't wait to see what they come up with next.

Well on 28th Feb 08 they returned my Postal Order again with a letter word for word as the 'above' letter.

I then recieved the following letter on the 29th Feb 08:,

We write further to your request for infomation under sections 77 and/or 78 of the Consumer Credit Act 1974.

Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information from its archives.

We shall send the information as soon as we recieve it'

The Status of your account

We will as a gesture of goodwill put your account on hold untill we recieve further communication from the original lender

ETC.

 

They Have reduced the amount I currently owe to what it was when the debt was sold to them.

 

I'm not quite sure what to do next, do I write and remind them that the 12 days have ellapsed and they have defaulted, and now have one month to rectify their default, or just wait and see what they come up with, if anything.

any views welcome'

Alan

 

 

 

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Hi Alan

 

This is the ususal standard bumf from Cabot. And yes, they always send your £1 back ;)

 

 

You don't have to do anything. Just let them get on with retrieving your CCA (if they can actually find it, that is). Make a note of the dates of posting. The 12 working days start from the date after receipt by Cabot when the account effectively is in dispute. After a further calendar month, Cabot have committed a summary offence.

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Well it's now Friday the 14th March, 9 days over the 12 day deadline and well into the one month, recieved this letter from Cabot today.

Dear Mr ----------

Your request under the Consumer Credit Act 1974

We recently wrote to you informing you that the original lender is experiencing a delay in obtaining information from their archives. Although 24 days have passed since your request, we hope to be able to send the information to you shortly. We shall remind the original lender that your information remains outstanding and should be processed as a matter of urgency.

We apologise for any inconvenience you may have experienced as a result of this delay.

 

The Status of your account

Your account shall remain on hold until further notice.

 

ETC.

 

Yours sincerely

E. R------

Customer Relations Manager

 

I like the 'apologise for any inconvenience' bit, the longer they take the better.

Alan

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They appear to have re-vamped their standard template letters Alan.

 

Hmm, just had a thought after looking at your first post on this thread, do you have any idea when you last made a payment/acknowledged the debt in writing with Providian?

 

Just looking at the Statute Barred angle ;)

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Hi Brassed off,

I've just been going through my Statements, The last payment made to Providian wase made on 31st july 2003 and was told account is overlimit and £11 in arrears,(Current Balance £352 ) "do not use the card in the meantime".

Then in November Providian became Monument.

17th March my account was closed by monument.

3rd June 2004 I recieved a letter from RMA (Risk Management Alternatives) saying that Monument have instructed them to collect the full overdue balance of £626, I made one payment to them £75. then had no more contact from anyone untill the debt was sold to Cabot in June 2006 I made one payment of £55 in October 2006. I then Disputed the whole debt and started the Penalty Charges process (but that's another story, very interesting one though)

Alan

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  • 4 weeks later...

UpdateCabot still have not complied with my CCA Request, well over the 12day + one month deadline, they just keep sending me letters ever fortnight, saying they have requested the infomation from the original creditor (monument), and that I may request it from the original creditor myself if I wish, in the meantime as a gesture of goodwill they have put my account on hold. I recieved this letter today, from a company called The Clarkson Hill Group PLC. Independent Financial Advisers Suite 20, 40 Churchill Square, Kings Hill, West Mallimg, Kent, Inviting me to a Free Inheritance Tax Planning Seminar at the Conningbrook Hotel, Ashford, (nothing to do with my Cabot/Monument dispute) but I find it interesting that Cabot have given them My Name and Address without my permission, I know that they are all part of the same group, and will do a webcheck shortly to confirm this.As I understand it, If my account with cabot is currently subject to an uncomplied with CCA Request, cabot are not allowed to pass my details on to a third party, even if its within the same group of companys.Has anyone any views on this Alan

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I know Clarkson Hill they are quite a large firm with an Aims listing, they would have purchased your name from a data source available from a marketing company.....Its not very likely they would look to include anyone with debts in this list as the criteria would predominantly be homeowners, income over £50k assets over £100k age 40 plus....

 

Many IFAs work like this buying in lists and for every 1000 invites they get 2-3 people turn up.......

 

I dont think they are anything to do with Cabot

 

Clarkson Hill Group - Home Page

Live Life-Debt Free

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But it IS very interesting that they both come from the same area. In my VERY humble opinion, it all seems like way too much of a coincidence.

 

Whilst Cabot MAY have consent to share data as per any agreement that MAY have been signed, they certainly have NO consent to share that data for any other reason than to be able to administer the account.

 

There must be a way surely, to find out what, if any, companies sell data on. We all know that once Cabot becomes involved, there appears to be a rather strange increase in the amount of junk mail and cold calls received. Usually debt or finance related. Coincidence?

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But it IS very interesting that they both come from the same area. In my VERY humble opinion, it all seems like way too much of a coincidence.

 

Whilst Cabot MAY have consent to share data as per any agreement that MAY have been signed, they certainly have NO consent to share that data for any other reason than to be able to administer the account.

 

There must be a way surely, to find out what, if any, companies sell data on. We all know that once Cabot becomes involved, there appears to be a rather strange increase in the amount of junk mail and cold calls received. Usually debt or finance related. Coincidence?

 

It should be in an Subject Access Request served on Cabot. I have made requests to companies who have sent me flyers and traced back all sorts of things, often to places like Registry Trust who register all the CCJ's in this country and sell the data on for Vaaaast amounts of money to loan companies.

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Hi,Andrew, At the bottom of the letter Their Head Office address is Alexandra House, Alexandra Road, Wisbech, Cambs PE13 1HQ, Reg. in England 4310108.I did a webcheck on this address and the Company Number is 04310108.Previous Names: 20/11/2002 The Clarkson Hill Group Limited27/08/2002 City & Merchant Financial Services LimitedB3rty and Seahorse, It is, in my opinion too much of a coincidence, I dont trust Cabot, I'm tempted to ring Cabot and ask them outright, (not that they would own up), Alan

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Dont waste your time Clarkson Hill are nothing to do with cabot, they have circa 300 iFAs who are use their name as a trading style a little like a franchise, these IFAs all work independantly from each other and this will be one of their firms in Kent..

 

Think about it they want you to go to a seminar where they will show you how to pass your money on to your children so they dont have to pay IHT on the amount over £600k........if you fall into this catagory then great go along and learn how to avoid this tax ..if you dont and you went along you are taking up a seat and enoying hospitality at circa £20 a head and theres nothing they can do for you so whats in it for them?

Live Life-Debt Free

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Hi,Andrew, At the bottom of the letter Their Head Office address is Alexandra House, Alexandra Road, Wisbech, Cambs PE13 1HQ, Reg. in England 4310108.I did a webcheck on this address and the Company Number is 04310108.Previous Names: 20/11/2002 The Clarkson Hill Group Limited27/08/2002 City & Merchant Financial Services LimitedB3rty and Seahorse, It is, in my opinion too much of a coincidence, I dont trust Cabot, I'm tempted to ring Cabot and ask them outright, (not that they would own up), Alan

 

I have not come up with any obvious links to both companies, might be just the local pub contact! B3rty is probably right, just a co-incidence until we find out otherwise ;-)

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