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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFC Card CCJ/CO - now sold to marlin - what can they do?


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I have a debt on a card which I was unable to keep up with. I eventually found out about the CCCS and set up repayment plan with them on this debt along with several others. Six months on I get a letter from a solicitor (who's name appears regularly in the section) saying the bank isn't satisfied with the repayments and wants more otherwise they take me to court. I explain my financial position and ask why the bank didn't contact me or CCCS to discuss first.

 

Next thing I get court papers served, so I dispute the high charges applied, the extra interest claimed, some of the balance is late payment charges, etc. Next thing is a CCJ for an amount totalling 50% of what I have to repay all the debts via CCCS. I speak to CCCS and they provide details for disputing the payment which I return to the court & solicitors within the specified time limit. I wait for a date to go to court to argue my reasons why the repayment is too high and next thing I get two letters from the solicitors (doesn't that mean prostitutes?) both with an Interim Charging Order and a date for the hearing.

 

Other than filing a defence against the original summons I haven't had a chance yet to have any input into the proceedings. How do I defend this? The amount of this debt is around 10% of the full debt I owe, and is about 35:1 on the value of the property which is in joint names, but this debt is in my name.

 

I can't afford higher repayments, I can't afford to reduce the repayments on the other debts, as this will provoke action from them as well. I don't want a charging order favouring one creditor as they get an unfair advantage over the other debts, especially if (as is now possible) the value of the equity in the house falls below the total amount owed.

 

 

On the original summons and all subsequent paperwork they have used the wrong spelling of my name - does this make a difference at all? I did point this out in my defence reply to the court.

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INext thing I get court papers served, so I dispute the high charges applied, the extra interest claimed, some of the balance is late payment charges, etc.
Did you not get notification of a the defence hearing?
Next thing is a CCJ for an amount totalling 50% of what I have to repay all the debts via CCCS. I speak to CCCS and they provide details for disputing the payment which I return to the court & solicitors within the specified time limit. I wait for a date to go to court to argue my reasons why the repayment is too high and next thing I get two letters from the solicitors (doesn't that mean prostitutes?) both with an Interim Charging Order and a date for the hearing.

Was this a re-determination hearing? When was the CCJ entered? The name thing is minor, the court have the powers to use their discretion to amend things like that and continue with the action. If you can answer these questions for me when can move forward, best wishes.
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Did you not get notification of a the defence hearing?

 

Not a thing. I sent in my defence papers in reply to the summons and the next contact was the CCJ.

 

Was this a re-determination hearing? When was the CCJ entered?

 

All I've had is a notification of the judgement, to which I responded by requesting a reconsideration of the amount. The CCJ was entered on 15th February and I have continued with the regular payments via CCCS.

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So ,let's get this straight. You've never received any information from the court and now you have been informed that there is a charging order in place against your property? You were never informed of the hearing for the final charging order? I would suggest calling the court and finding out what they are playing at.

I really want to help you but I'm confused that yopu've not had ANY paperwork or notification :(

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So ,let's get this straight. You've never received any information from the court and now you have been informed that there is a charging order in place against your property? You were never informed of the hearing for the final charging order? I would suggest calling the court and finding out what they are playing at.

I really want to help you but I'm confused that yopu've not had ANY paperwork or notification :(

I filled in the paperwork for redetermination of the amount of the instalment as it was higher than I could afford whilst still keeping up repayments on the other debts. I put the paperwork into an envelope addressed to the court with the claim number on the outside and posted it directly into the court's letterbox before the due date. I also faxed and emailed a copy to the solicitor on the same day. This is also how I returned my defence paperwork when I answered the summons.

 

I've just spoken to the court and the clerk there informed me that they hadn't received the paperwork and so the follow-up actions were taken. She advised me to talk to the solicitors handling the persecution/claimant's case. I'm not sure that they will be very helpful though!

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So ,let's get this straight. You've never received any information from the court and now you have been informed that there is a charging order in place against your property? You were never informed of the hearing for the final charging order? I would suggest calling the court and finding out what they are playing at.

I really want to help you but I'm confused that yopu've not had ANY paperwork or notification :(

The Interim Charging Order paperwork came with notification that the application will be heard in three week's time. But the paperwork from the Land Registry that arrived today implies it is on already.

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Hi,

 

I have a debt related to HFC Bank on a credit card. I have been paying this through CCCS for over 9 months without a murmur. Out of the blue I get a letter from Restons threatening legal action if payments aren't increased. No prior contact from HFC, no negotiation and straight to court. There is a small amount of late payment charges which I never bothered to chase (just over £100). How is it best to deal with this?

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It's a bluff imo..if you are paying what you can afford then they can't get blood out of a stone. I would call their bluff and tell them exactly that in as many words. I doubt very much they will take legal action and even if they did and you prove to the Judge you are doing what you can he will be on your side...not of these leeches

 

Regards

 

Mick

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If you have a DMP with CCCS, just give them a call and send the letter to them.:)

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I see from the HMCS site that I can object to the final charging order by notifying the court and the claimant up to 7 days before the hearing is due. What do I have to do to notify them, and what should I use as the reason.

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Thanks for the info. I have a question about the point 'If the debt is very small in comparison to the amount of equity in your home, argue that a charging order would be unfair'. Does this mean the debt in question, or the total amount of debt? Does it relate only to my share of the equity (house in joint names)?

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Hi,

Same thing happened to me and be warned I have NO equity ie neg equity in my house because of secured loans and larger unsecured creditors and at the hearing the judge still made the charging order final. It felt like he'd already rubberstamped it before I'd even sat down. Good luck.

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  • 2 months later...

We need some help in the Debt Collection Industry forum. A number of us who have been taken to court by HFC and had CCJs & COs awarded against us are now receiving Notices of Assignment from Marlin, who are asking for all payments to be made to them.

 

Is it legal to assign a debt with a CCJ or CO in place?

 

Can they change the payee on a CCJ without reference to the courts?

 

HFC have put me (and others) through a lot of stress and cost to get a CO, and then they go and assign it - it doesn't make any sense to me to get a CO and then sell the debt of cheaply when there's a guarantee of payment via the CO.

 

See the thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/149821-hfc-bank-restons-marlin.html for one of the examples going on at present - there's at least a couple more on the go.

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I dont think you should be looking at if they can assign a CCJ, but whether or not you can get that CCJ set aside,

 

have you looked into this at all?

 

Hi Paul

 

Do you know if the assignment (alleged, legal or otherwise) would have any bearing on a set aside application? i.e. would it strengthen the argument for a set aside?

 

Cheers

Rob

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I haven't tried yet, but was looking into it, especially as the court seem to ignore me in most of the process (mainly due to ignorance on my part) and set a CCJ for an amount I couldn't afford, giving the claimant the opportunity of going for a charging order. I asked for a redetermination, but that was ignored, and although the final CCJ was for less than the original one, but the CO damage was done.

 

I'm looking at chasing HFC for an SRA to get full disclosure and see what turns up. In the mean time I have Maplins (Marlin) chasing with a Notice of Assignment for a debt with a CCJ & CO which just doesn't sound right to me.

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According to National DebtLine, this is allowed. I shall be making a formal complaint to HFC/HSBC/OFT/FOS/my MP about this, as I asked for reasonable settlement figure once they went for the Interim Charging Order and got totally ignored, but now they have obviously sold the debt on for lower than the full value - why couldn't they settle with me for the same amount?

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