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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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Cabot/Morgan Solicitors-Court Action (ex Goldfish account)


barns66
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That's pretty much it, but we always encourage you to file a defence in good time so they can't try for summary judgment.

 

Really need to wait on a response from then before we go further, I'm afraid.

 

Hi DonkeyB thank you for your kind help again.I will keep the thread up-dated when and if i receive anything from Morgan.If i do not receive anything back by the 4th July i will post on the thread also.

 

barns66

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You have 33 days from the date on the claim to file your defence, (assuming you have "acknowledged service")

Aim to do so a couple of days in advance, if you fail to do so the claimant WILL file judgement against you, i am making this clear as much for anyone else reading this thread as for you.

 

To be clear, if you have not had the info you have requested from the claimant in good time to make your defence, the, you must file a embarrassed defence

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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You have 33 days from the date on the claim to file your defence, (assuming you have "acknowledged service")

Aim to do so a couple of days in advance, if you fail to do so the claimant WILL file judgement against you, i am making this clear as much for anyone else reading this thread as for you.

 

To be clear, if you have not had the info you have requested from the claimant in good time to make your defence, the, you must file a embarrassed defence

 

Thank you credit for the info,i have acknowledged the service.I will see now what Morgans send me i know they received my request.I think i have untill the 4th July to put in my defence.I will put up anything Morgan sends me.

 

barns66

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  • 2 weeks later...

Hi

I received a reply from Morgans and guess what read letter they send i will post the the other letter about assiginement.I received many pages about asignment,many of them blanked out. Should i be putting in defence yet based on this letter.Thanks for any help in constructing a defence.

 

http://i169.photobucket.com/albums/u230/barns66/april%204/MORGREPLY.jpg[/img

http://i169.photobucket.com/albums/u230/barns66/MORG2.jpg

[/img]

http://i169.photobucket.com/albums/u230/barns66/MORG3.jpg[/img]

 

barn66

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Just as predicted in post 46! That old chestnut... if the account hasn't been terminated, then they need absolute assignment as it comes under CCA 1974 etc. However, I bet they are claiming to have merely the benefits, not the duties...

 

However... they are claiming the account was not terminated and that a DN was not sent. Well, you have the actual DN, You did not comply and the DN stated termination would follow.

 

They have royally blown their own foot off.

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Hi

I received a reply from Morgans and guess whaT read letter they send i will post the the other letter about assiginement

 

http://i169.photobucket.com/albums/u230/barns66/april%204/MORGREPLY.jpg[/img

http://i169.photobucket.com/albums/u230/barns66/MORG2.jpg[/img]

 

barn66

 

 

That is what they have shown to be their statement of case.

 

I suspect they know that the agreement that you have is unenforcable (but they will never admit it).

 

I suspect that that is all they will send you, you will have to submit an embarrassed defence and then after a while they will apply for a Summary Judgment.

 

This gives you time, have you sent them an SAR ? you need to send the OC a similar request to get all the possible information that you can.

 

Cabot will say that they only wish to collect the arrears but - you will need to show the last statement from the OC matches the demand from them which invariably is the full balance.

 

I am going to Court over this issue very shortly having had an appeal granted. The need to keep your paperwork is paramount.

 

For Cabot to initiate proceedings against you they must be the sole owner of the account (Absolute Assignment) which in itself will mean that the agreement has been terminated.

 

If the agreement has been terminated without a DN then like me you will have to show the amount of the claim is not the arrears but is in fact the full balance.

 

If it is common ground that a DN is in existance, does it comply ? if not then that would be an unlawfull termination.

 

There has been a recent case where a District Judge had a cliam from Cabot on the arrears issue thrown out and dismissed - so they are weak on this point and you should try to work on the point.

 

Hope this helps

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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I really think theres something in the fact that Cabot dont want us to see the sales agreement (as discussed in other threads and delved into deeply by the Cabot Fan Club), these accounts could all be assigned through foreign companies and we need to find a way of this being disclosed. Ive heard there willing to show the judge but the judge doesnt know if the question isnt raised.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi all thank you to all who have replied since my last post.Would there be anywhere in the paper work that they sent me where i could see if it was a Absolute Assignment or just a assignment.I see looking through the paper work,i note that it contains what i take to be a contract between Goldfish and Cabot Financial (UK) signed 30th November 2007.I then got a letter from Cabot in April 2008 that was supposed to have come from Goldfish informing me.Will a SAR to both companys tell me if it was a Absolute Assignment.

 

barns66

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Hi all thank you to all who have replied since my last post.Would there be anywhere in the paper work that they sent me where i could see if it was a Absolute Assignment or just a assignment.I see looking through the paper work,i note that it contains what i take to be a contract between Goldfish and Cabot Financial (UK) signed 30th November 2007.I then got a letter from Cabot in April 2008 that was supposed to have come from Goldfish informing me.Will a SAR to both companys tell me if it was a Absolute Assignment.

 

barns66

 

You probably will not get anything that says "this is an absolute assigment" although some DCA's do do that, CL Finance for one. So in the absence of the DCA in this case Cabot, telling you that it is absolute you must do your own detective work.

 

By looking into what action the DCA has taken so far, you should be able to work out where they might attack from next.

 

So in your case barns66 :

 

Does the Notice of Assignment say that you must pay only Cabot ?

 

Have Cabot demanded for the full balance of the account ?

 

Most of the time it needs to be assumed that the assignment is "absolute" this is because when the DCA issues a claim through Northampton CCBC they will issue it in their own right (no other joint claimant). Thus the assumption that the assignment is not "Equitable" with another entity joining the claim.

 

You may get information that gives further clues to the type of assignment via an SAR but it will also reveal other information that you will find usefull.

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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If they have already issued in court, a SAR would take 40 + 2 days for a reply so a request under CPR would probably be better as to the assignment, which CPR is to be found amongst the site unless someone more in the know can point this out

 

 

Hadituptohere

Edited by Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Towers2 just doing some research I see... Glad we can be of use to you guys in cabot..hope the training's going well LOL

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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don't have time to look back through - have we considered CPR 18 to request a copy of the deed of assignment or sale agreement? I think you can demand to go and view it at their premises.

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So in your case barns66 :

 

Does the Notice of Assignment say that you must pay only Cabot ?

 

Have Cabot demanded for the full balance of the account ?

 

Most of the time it needs to be assumed that the assignment is "absolute" this is because when the DCA issues a claim through Northampton CCBC they will issue it in their own right (no other joint claimant). Thus the assumption that the assignment is not "Equitable" with another entity joining the claim.

 

You may get information that gives further clues to the type of assignment via an SAR but it will also reveal other information that you will find usefull.

 

Beau

 

Hi Beau thank you for your help in this matter,i received a Notice of Assignment from Cabot that was supposed to have been sent by Goldfish i never received 1 from them only 1 was from Cabot.it does not contain any account number,just my name and address dated 18th April 2008.It tells me that i have now must direct payments to Cabot Finacial (EUROPE) Limited so i take it that they Absolute Assignment.

 

I did find this among the 48 pages they sent me.

http://i169.photobucket.com/albums/u230/barns66/sign.jpg[/img]

 

barns66

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don't have time to look back through - have we considered CPR 18 to request a copy of the deed of assignment or sale agreement? I think you can demand to go and view it at their premises.

 

Hi DonkeyB

Thank you for your help,i think now i will have to start preparing a embarressed defence untill i receive a reply to my SAR.Any help anyone can give me in preparing this would be very welcome.

 

 

barns66

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Hmmm... very technically, that should be signed by two representatives of each company.

 

Hi Thank you DonkeyB it is signed i took the the names out,i did not know if i would be doing anything wrong if i left them in.i can post it again with the names in if it's ok to do that.

 

barns66

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No need. My point was that such a document should be signed by two people from Cabot as well as two from Goldfish.

 

Hi,it as been signed by two people from Goldfish and one person from Cabot Financial (UK) Limited.thank you DonkeyB for all the help.

 

barn66

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Hi

Thanks for all your help on this matter.Do i send my SAR to Morgans or Cabot,can anyone tell me what the Goldfish address is for SAR,it as belonged to that many banks,i have lost track.I want to get a embarressed defence in by the middle of next week but am stuck on what to put in it,any halp would be much appreciated.

 

barns66

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Hi barns

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html

 

This thread says it all really, what Ive been trying to say is the SAR will take to long, If you havent got the documents to complie a defence then you wont be able to offer a suitable defence, CPR is a quicker way of obtaining documentation.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi barns

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html

 

This thread says it all really, what Ive been trying to say is the SAR will take to long, If you havent got the documents to complie a defence then you wont be able to offer a suitable defence, CPR is a quicker way of obtaining documentation.

 

Hadituptohere

 

Hi thanks for kinf reply Hadituptohere.i did send a CPR to them and i have posted some of the documents i received on this thread.Thank you once again Hadit for your help.

 

barns66

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Thats cool, but if you havent received all the documents required im sure that it doesnt stop you using CPR again and requesting those documents rather than waiting for the SAR, maybe someone else could confirm this

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi thank you Hadituptohere for your suggestions on this matter,i will try to get what i am looking for from them.I will look around the site and see if i can find any more info on what i should do,i am at a loss now what is the best coourse of actioni should take.Once again Hadituptohere thank you.

 

 

barns66

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Sorry if this is confusing but didn t see Beau's post #81 maybe the embarssed defence may be the way to go giving you time to SAR both the DCA and the OC..

 

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Sorry if this is confusing but didn t see Beau's post #81 maybe the embarssed defence may be the way to go giving you time to SAR both the DCA and the OC..

 

 

Hadituptohere

 

Hi Hadituptohere,thanks for all your advice on this.I will look around and try get some idea what to put in my embarressed defence.

 

 

barns66

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