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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • 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”  
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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.

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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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Hmm

 

Defamation, anybody?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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I thing BF will have to write to that site and make a few things clear

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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As its talking generally about the definition of a "consumer website" can it be either?

 

S.

 

 

It lists as Examples of most commonly used [consumer websites]

 

Consumer Forums

Consumer Action Group

Blagger.com

Penaltychargesforum.co.uk

Getoutofdebtfree.org

google.info

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It lists as Examples of most commonly used [consumer websites]

 

Consumer Forums

Consumer Action Group

Blagger.com

Penaltychargesforum.co.uk

Getoutofdebtfree.org

disneyland.info

 

Yep saw that but as this is the law, I was querying if its specific enough to meet the thresholds of defamation and libel as the actual accusations are on a separate page and referring to a general collective of Consumer Forums.

 

S.

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Extracted from the CSA's manifesto...

 

• Consumer Websites

Consumer action websites were first introduced as a source of free advice to those consumers in financial

hardship. As society and the granting of credit have changed, so has the focus of these websites.

Various websites now give detailed ‘guidance’ on how to avoid repaying debts (regardless of the merits of

the argument) using inadequately or unclearly drafted sections of the CCA, which is detrimental to those

consumers who are in financial difficulty as well as to commerce as a whole.

 

 

Can be found here:

 

http://www.csa-uk.com/media/editor/file/Manifesto.pdf

Edited by Bigredbus
Add link

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Yep saw that but as this is the law, I was querying if its specific enough to meet the thresholds of defamation and libel as the actual accusations are on a separate page and referring to a general collective of Consumer Forums.

 

S.

 

Its a straight statement thats immediately followed by a list of sites. If a remark was made that was libel and then a list of people who would say it was posted, then the site mods would block the post for legal reasons. Whats the difference between them and us.

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Looks like we have a new enemy now as well. Follow the link to the CSA workshop. Nice to see that we at CAG are top of their hit list.

http://www.csa-uk.com/media/editor/file/Consumer%20Websites.pdf

 

Reminds me of the "Carry on Cleo" Film:

 

funniest comedy movie line ever: "Infamy! Infamy! they've all got it in for me!" (Kenneth Williams)

 

:smile:

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Reminds me of the "Carry on Cleo" Film:

 

funniest comedy movie line ever: "Infamy! Infamy! they've all got it in for me!" (Kenneth Williams)

 

:smile:

 

Ah ah ah!

 

ROFL

 

:D

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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I also read this on the CSA website yesterday:

 

Statute Barred Debt? To collect or not to collect, that is the question?! | CSA News

 

Thanks to my nemesis, the Consumer Action Group website, there is a lot of misinterpretation of statute barred debt, what can and cant be done and the rights of the consumer and DCA.
Another case of defamation/libel perhaps?

 

In essence, providing you work within legislation and guidance, collection of statute barred accounts is a legitimate activity. However, if your debtor has stated that they will not be paying a debt because it is statute barred, these accounts should be closed and your records updated appropriately. This will reduce the number of accounts that could be placed back out for collection or sale, which in turn could lead to complaint and create further issues for the industry in this area.

As if DCAs will stop collecting statute barred debts.
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CSA Members should:

  • Conduct business lawfully
  • Conduct dealings with debtors in a fair and reasonable manner
  • Maintain a high standard of business practice
  • Compete in a fair and reasonable manner
  • Ensure all staff are provided with adequate training
  • Not discriminate
  • Protect the reputation of clients
  • Remit monies collected regularly to clients
  • Not knowingly misrepresent qualifications, experience and abilities
  • Handle debt cases in a fair and reasonable manner

has to make you laugh

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CSA Members should:

  • Conduct business lawfully
  • Conduct dealings with debtors in a fair and reasonable manner
  • Maintain a high standard of business practice
  • Compete in a fair and reasonable manner
  • Ensure all staff are provided with adequate training
  • Not discriminate
  • Protect the reputation of clients
  • Remit monies collected regularly to clients
  • Not knowingly misrepresent qualifications, experience and abilities
  • Handle debt cases in a fair and reasonable manner

has to make you laugh

 

 

They do make me/us laugh!

 

:lol:

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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well I sent my LBA to Lloyds as they had held my case since the court proceedings began. I couldn't find an email address for complaints department however I could find the one belonging to the CEO.

 

Sent it on Wednesday evening and recieved a letter on Friday morning from the complaints department saying they were looking in to it blah blah blah.

 

So the CEO must have passed it on pretty quickly as the paper copy that I sent to follow up the email was only signed for this morning.

 

Gave them 2 weeks so we shall wait and see what they say and what CAG advice is to do then....

 

You've made me smile!! :D

 

Okay I had complaints with HSBC and did my MD email long ago. I got a responce in 4 hours(!) however if ayone for a single moment thinks that CEO's actually look at the emails then a new world called 'wish' has evolved.

 

The reality is that CEO's do not get email unless you know their 'real' email addresses. Most probably have hotmail accounts with obvious names such as 'honestjoe', 'Iamforthepeople' (we could go on) and the like.

 

I think your reply of 'complaints department' sums it up. MD's or DEO's simply are not interested with 'trivia' (as they see it) at lower levels and dedicate their time to positively promoting their group company. Put it this way if you got a refund of £50k they'll still not be bothered or even be advised of it. If you can challenge them at an AGM and you get the chance, once done you'll be escorted out. Better still if you can have them on a HoC finance 'interrogation' select committee then you will have scored and earned your gold star! ;)

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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hiya all

 

the newspaper ad is a brill idea - i love it will be making enquiries

 

keep happy

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Could a moderator or well informed 'cagger' clarify the following:

 

I am a modest 'cagger' since 2006... and got my charges back on two occasions (thanks to all the help and advice found on this website).

 

Now, I have been wondering if at anytime, past or present, has anyone from the Consumer Action Group or any other consumer group requested details of breakdown of charges from banks under the Freedom of Information Act 2005?

 

Thanks...

 

:)

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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FOI is for access to information held by public authorities, not commercial organizations I thought

Edited by locutus
SNAP!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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If you own a UK company the Freedom of Information Act will affect you to some degree. Every company is regulated, taxed or licensed by public authorities and many have public sector contracts.

Under the FOIA, unless the information they hold on you is legally exempt, it could be open to the public and your competitors.

And some companies carrying out public functions will eventually be covered by the Act, so will have to open their files to anyone who asks.

(Freedom of Information Act. Guide, news, consultancy.)

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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OK I think this is what that link is refering to. The only time I used the FOIA was to request some Gatso info for my better half (Women drivers!!). Now Gatso is a commercial organisation, but they work for a public body, so the FOIA extends to them.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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OK I think this is what that link is refering to. The only time I used the FOIA was to request some Gatso info for my better half (Women drivers!!). Now Gatso is a commercial organisation, but they work for a public body, so the FOIA extends to them.

 

 

Absolutely!

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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If you own a UK company the Freedom of Information Act will affect you to some degree. Every company is regulated, taxed or licensed by public authorities and many have public sector contracts.

Under the FOIA, unless the information they hold on you is legally exempt, it could be open to the public and your competitors.

And some companies carrying out public functions will eventually be covered by the Act, so will have to open their files to anyone who asks.

(Freedom of Information Act. Guide, news, consultancy.)

 

Actually that's a very interesting question. The government has a majority stake in three banks although they are still public limited companies. There is an argument that the FOI does apply but I suspect that they'll disagree in principle and quote commercial confidentiality even if FOI does apply.

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