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


barns66
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Hi Cym

 

Im sure that the 'balance of probabilites' is used more so in small claims track, off the top of my head and without reading back I cant remember which track has been allocated.

 

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.thanks for everyones comments,i will wait and see what the court sends me as Hadituptohere suggests

it baffles me where July 4th comes from,i can not see how they could receive my application form,send me back anything to sign and send me a card to use,in that time.I still can not see where it states on the application form any reference to terms and

and conditions.I think Hadituptohere it's allocated to fast track,i will checlk in the morning.

 

barns66

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it baffles me where July 4th comes from,i can not see how they could receive my application form,send me back anything to sign and send me a card to use,in that time.I still can not see where it states on the application form any reference to terms and

and conditions.

 

barns66

 

That is the meat on the bone, along with the assignment, s69 interest which is a joke and other things which im sure has been raised previously

 

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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Yours was a very poor judgment Cym where the judge ignored legislation and the law, and left your case wide open to solid ground to appeal.

 

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,i have just checked my credit file equifax and it's marked on there that i settled a Barclay Credit card in May 2006,i never had a Barclays Credit card,it's the same last 4 numbers as Morgans have on the court papers they sent me on Saturday and the amount would have been around that amount at the time.i did not settle it.I have learned from the site earlier that Barclays did not take over Goldfish untill 2008.I just wonder who put this marker on equifax,i can not see it could be Barclays as they did not own Goldfish at the time.

 

barns66

Edited by barns66
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Hi,i have just checked my credit file equifax and it's marked on there that i settled a Barclay Credit card in May 2006,i never had a Barclays Credit card,it's the same last 4 numbers as Morgans have on the court papers they sent me on Saturday and the amount would have been around that amount at the time.i did not settle it.I have learned from the site earlier that Barclays did not take over Goldfish untill 2008.I just wonder who put this marker on equifax,i can not see it could be Barclays as they did not own Goldfish at the time.

 

barns66

 

When a debt is sold the responsibility for reporting the debt to the credit reference agencies passes to the new owner, they cant change the date of the default or shouldnt but they should report under there own name and not the original company... hence golfish/msdw will have become barclays

 

S.

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  • 2 weeks later...

Hi,i have still not heard from the court what's going on and what i should do.it is 2 weeks tomorrow since they had to have what court asked for,i presume they did send to court what they sent to me.I was clearing som old files out yesterday and came across these.I do not know if it is of any relevance.I can never remember replying to the one that says the card was suspended,where they got the idea i about the £50 month from suprises me.

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

 

http://i169.photobucket.com/albums/u230/barns66/SCAN002.jpg[/img]

 

barns66

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Hi barns

 

Id ring the court and get up to speed where there at with this one, ask for the case manager and see what they have or dont have

 

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

 

Id ring the court and get up to speed where there at with this one, ask for the case manager and see what they have or dont have

 

Hadituptohere

 

Hi,Hadituptohere,it was 3 weeks before i heard anything from the court after i went last time,i will give them untill the end of the week to see if they send anything,if they do not i will do as you suggest early next week.Once again thanks for all the help and advice you have given me.

 

barns66

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  • 1 month later...

Hi,I have received this from court after nearly 6 weeks,after they where orderd to produce certain documents by the court.They had amened the POC and,then i received this from the court.Is it telling me to summit my defence again,before the date given on the forms.

 

 

A1.jpg

 

A2.jpg

 

A3.jpg

 

 

http://i169.photobucket.com/albums/u230/barns66/QUESTION2.jpg

 

http://i169.photobucket.com/albums/u230/barns66/QUESTION3.jpg

 

 

 

baens66

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Ok, Point 2 is good in that its forcing them to think about resolving the claim outside of the court process, if they dont wish to then they have to serve a witness statement to you 28 days prior to the trial stating why they think it shouldnt be resolved out of court, you then have 14 days to respond, both these statements will be looked at at the end of the trial and if the judge feels they should have settles then costs could be denied... we are talking on a fast track case approx costs of between 5k-10k so not small change.

 

As to the actual orders, its not asked for a new defence just given the timescale of the trial process I'm afraid.

 

Documents list to be exchanged by 5th April

Inspection requests to be complied with before 19th April

Witness statements to be exchanged before c.o.p. 19th April

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Ok, Point 2 is good in that its forcing them to think about resolving the claim outside of the court process, if they dont wish to then they have to serve a witness statement to you 28 days prior to the trial stating why they think it shouldnt be resolved out of court, you then have 14 days to respond, both these statements will be looked at at the end of the trial and if the judge feels they should have settles then costs could be denied... we are talking on a fast track case approx costs of between 5k-10k so not small change.

 

As to the actual orders, its not asked for a new defence just given the timescale of the trial process I'm afraid.

 

Documents list to be exchanged by 5th April

Inspection requests to be complied with before 19th April

Witness statements to be exchanged before c.o.p. 19th April

 

Hi Shadow,thank you once again,i thougt i had posted up the the documents i received from them.on the Saturday,before they had to produce the documents court orded.It was a amended POC.all the difference is a different account number.i could post it in awhile,if it would help, to see what they have sent.I will do it wheni return back home.

 

barns66

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Hi barns, 3B is a good inclusion on the order, my thread around post 234 I requested to see the original documents and morgans failed, which led to an unless order

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?127059-Hadituptohere-V-Cabot-**-CASE-STRUCK-OUT**COSTS-PAID**/page12

 

Hadituptohere

  • Haha 1

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 Hadituptohere,thank for vyour advice.Do i send a request to Morgans to request to see the original agreement,t&c at the time,default notice,notices of assignement from both Cabot & Goldfish.any other documents i thinkof.Once again thank for all your help.

 

barns66

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Hi barns

 

You need to sort out your disclosure list, post 187 onwards in my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?127059-Hadituptohere-V-Cabot-**-CASE-STRUCK-OUT**COSTS-PAID**/page10 might help.

 

Once youve sent and received their disclosure you can request to view the documents they are relying on, like the Consumer Credit Agreement, Default Notice etc

 

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 Hadituptohere,thank you for the link,i am going through it and trying to digest what i require to do.I did sent a CPR 18 request before they amended the POC,i received the same copy of a application form,terms and conditions that i couuld not read in large parts and what they say is the assignment,in the parts that have not been blacked out it appears the agreement to sell the Goldfish account was signed on the 30th November 2007 yet hey state the the account was assigned to them on the 18 th April 2008,would tht not be the date it was assigned to them.I think i might ask them as it is a amended POC to supply all my documents again.I will keep looking through the link.I will try to take what it says in.Once again Hadit thank you for your help.

barns66

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Hi barns

 

whatever they include in their disclosure you have the right to request to view the original off, likewise with your disclosure for them,.

 

If the agreement is illegible and doesnt comply with CCA74 thyen this can be brought up in your witness statement along with the difference in assignment date, there is also an cpr request you can use for verification of the documents that might be of use for you but cant remember the CPR number, am sure that someone knows and will call it along with if it would be of any use to yourself, its there in my thread if not.

 

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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