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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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Disabled & Scared! Owe 20k to Halifax!**WON** DISCONTINUED AND WROTE OFF


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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

 

 

Hello babybear39,

 

Not quite my plan ........ perhaps I have got it wrong (had really busy week writing letters galore to my creditors) but I think so far we have all been dealing with only the credit card account ...... the account with the £15XX.XX balance is the bank overdraft account .... isn't it:confused:

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

I get the feeling that is why Halifax have now moved their attention to the overdraft account. As some fellow Caggers know .... if you defend your rights against one account you sometimes find the bank / DCA suddenly starts playing silly sausages with your other account/s.

 

I also feel that HalifaxPickle should bring her predicament to the attention of the management within Halifax ...... so far it seems like HP is getting all the standard threats etc etc from the general customer services.

 

So if I am right so far and the overdraft account is still having interest and fees added I was going to suggest a letter to FOS (as other Caggers have done in the past .... but I can not find links at moment ..... PriorityOne was one) pointing out Halifax are being unreasonable by still adding these amounts as debt can never be paid off and also point out that Halifax know all about HalifaxPickles circumstances BECAUSE they have had the letter from Doctor! Plus Formal Complaint letter to Halifax regarding the overdraft account but to Chief Executive's office and then added with a letter to MP things should start to happen here!!!

 

Onwards and Upwards

 

Chalkitup

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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

 

Where does it say they can't add interest/charges while in dispute?

 

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Morning!

 

The letter to BOS regarding the OD is going off today as I have been very unwell over the weekend.

 

I will take out the sentance as advised in an earlier post.

 

The OD has had fees and interest added but I think this will now stop as its with BOS and not Halifax anymore.

 

Any other suggestions?

 

HP

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I have modified the letter to this.......

 

 

 

My address

Blair, Oliver and Scott Ltd

P.O. Box 66

Rosyth

Fife

KY11 2WG

 

 

31st July 2008

Client: Halifax

Account Number:

BOS Ref:

Dear Sir/Madam

Thank you for your request for payment on the above account number with the outstanding balance of £1549.81.

I was told yesterday by my Priority Team worker Ann Campbell that she was going to pass her file on to you. I am terminally ill and she will provide you with proof from my GP.

I don’t understand why I have been moved to Blair, Oliver & Scott as I was only moved to the Customer Priority Team at the end of June 2008. I was given 21 days to provide a letter from my GP stating that I am ill/disabled which I did.

I have a full-time carer whom lives with me 24/7. I have a disabled adapted home and also receive care from my local council, which I can all fully prove if you require. As stated before though, I have sent all this evidence to Ann Campbell of the Priority Team and has been accepted by them that this accurate.

My disabilities and illnesses mean that I have no energy, in constant severe pain, am doubly incontinent and have mental health problems. I am fully dependant on other people to receive help and care with all daily duties which include, bathing, going to the toilet, cooking meals, taking me to hospital, getting me dressed etc-most things that people take for granted.

I am unable to talk on the phone so would ask that you contact me through writing only as I am not capable of talking on the phone. I am also a wheelchair user.

Because of my health I am no longer working and rely on state benefits to live. Being disabled I have more costs than an average person.

I don’t have much excess money left at the end of the month, but I can offer to pay £1.00 per month. I understand that this doesn’t sound much, but to me it’s a lot. I am offering this under extreme duress as I feel bullied into a corner.

Please contact me via letter ASAP to accept this offer.

Yours sincerely

Mrs

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Sounds good to me HP. :) If you are able, include a £1.00 postal order for the first instalment of the "goodfaith" offer.

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Hello babybear39,

 

Not quite my plan ........ perhaps I have got it wrong (had really busy week writing letters galore to my creditors) but I think so far we have all been dealing with only the credit card account ...... the account with the £15XX.XX balance is the bank overdraft account .... isn't it:confused:

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

I get the feeling that is why Halifax have now moved their attention to the overdraft account. As some fellow Caggers know .... if you defend your rights against one account you sometimes find the bank / DCA suddenly starts playing silly sausages with your other account/s.

 

I also feel that HalifaxPickle should bring her predicament to the attention of the management within Halifax ...... so far it seems like HP is getting all the standard threats etc etc from the general customer services.

 

So if I am right so far and the overdraft account is still having interest and fees added I was going to suggest a letter to FOS (as other Caggers have done in the past .... but I can not find links at moment ..... PriorityOne was one) pointing out Halifax are being unreasonable by still adding these amounts as debt can never be paid off and also point out that Halifax know all about HalifaxPickles circumstances BECAUSE they have had the letter from Doctor! Plus Formal Complaint letter to Halifax regarding the overdraft account but to Chief Executive's office and then added with a letter to MP things should start to happen here!!!

 

Onwards and Upwards

 

Chalkitup

 

Who should I contact within Halifax? Would this not be covered by the formal complaint, or do I make I contact management too and if so...who??

 

Thanks

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Hello Again!

 

I sent the £1.00 cheque off with the above letter etc and sent another letter to Halifax stating that I was still not happy about my complaint and that the CCA was unenforcable etc.

 

I have today received a letter from Robinson, Way& Company Ltd regarding the Halifax CC debt standing at £17.586. Its a formal demand for payment and I must contact/pay them within 10 days or court action wil be taken. Do I send them the standard letter about the debt being in dispute and letting them know too that I am disabled blah blah blah????

 

Are 2 companies allowed to chasing the same debt? Does this mean that Blair, Oliver, Scott have passed the debt elsewhere and realise that they wnt get the money???? I am a little confused as to why this has happened so quickly:confused: Are they breaking any laws etc by doing this?

 

I had a missed call over the weekend and when I googled the number it said Robinson, Way, but didnt know then that they had the debt and wondered what they wanted....but blocked the number again:)

 

I have also sent a lengthy letter to my local MP, but not sure how this will help.

 

I am having a good day today, so any letter that need to be done I should do today as Im busy at the hospital the rest of the week.

 

Any advice as usual will be appreciated.

 

Thanks

 

HPxx

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Hello Again!

 

I sent the £1.00 cheque off with the above letter etc and sent another letter to Halifax stating that I was still not happy about my complaint and that the CCA was unenforcable etc.

 

 

When did you send the letter?

 

I have today received a letter from Robinson, Way& Company Ltd regarding the Halifax CC debt standing at £17.586. Its a formal demand for payment and I must contact/pay them within 10 days or court action wil be taken. Do I send them the standard letter about the debt being in dispute and letting them know too that I am disabled blah blah blah????

 

 

When did you tell them you were disputing the account? What were your grounds for the dispute?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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The letter with the £1.00 cheque was for the Halifax Overdraft as I had offered them £1.00 per month as a payment plan as thats all I can afford. That was sent about 8 days ago.

 

The dispute in the CCA was that the T&C's werent accurate. I did post a copy of my CCA...if you look back a few ages you can see.

 

Have I done the right thing?

 

HP

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The letter with the £1.00 cheque was for the Halifax Overdraft as I had offered them £1.00 per month as a payment plan as thats all I can afford. That was sent about 8 days ago.

 

The dispute in the CCA was that the T&C's werent accurate. I did post a copy of my CCA...if you look back a few ages you can see.

 

Have I done the right thing?

 

 

So far, it seems OK. I'll have to have another read through the thread and see what comes next.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hello,

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

Send Rob Way the letter in Post 289 of this thread.

 

And they should not have passed this account on whilst in dispute.

 

Onwards and Upwards

 

Chalkitup

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Hi, Im currently in dispute with Halifax regarding charges etc, been on going since Feb last year, every 4-6 weeks i always recieve threats/demands from one of Halifax banks sister companies, which i have just ignored. No action has ever been taken by them, i just issue the "in dispute" letter and it will start the ball rolling again for another 6 weeks

Since Feb this year i have a total of 17 letters from DCA's/Solicitors each demanding immediate payment or were ganna take ya house cr*p.

Other companies include:

EquiDebt - easiest

EOS - took 2 letters

Optima Legal - Passed straight back

Robinson Way - 1 letter

 

Good luck and all the best!

Just make sure you keep a record of all the letters they issue you, and just keep enough copies of the "In Dispute" letter.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Hi Halifaxpickle,

 

 

Don't worry about this. HBOS and Blair Oliver nearly always ignore letters etc.

 

You will find that after you get rid of Robinson Way, the account will then be passed onto the next bunch of morons, then the next, and so on etc.

 

If this keeps on happening you should report them to TS and OFT, and start a complaint with the FOS!

 

Best wishes, Jeff.

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Hi Again!

 

I have just checked online and the £1.00 cheque has been cashed with regards to the Overdraft and me offering them £1pm and stating clearly that this was for Augusts payment.

 

Does this mean that they have accepted this amount for the monthly payment? At least they cant state that they have never received this letter and payment. Will I receive a letter from them saying what they are doing?

 

Thanks

 

HP

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