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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)


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where is the default notice? have you received one?

 

The POC doesnt mention one and this is required before court action can commence, sections 87/88 of the CCA 1974

 

Strictly speaking this is not necessarily the case...

 

I can guarantee Cabot will state they are only claiming arrears.

 

What you need to check is if you did receive a default notice from Goldfish, and whether the account was terminated.

 

Look on the forum for all the other Cabot cases in which this scenario is unfolding - it's their new modus operandum.

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Cabot are becoming particularly slimy in their operations at the moment. They are wriggling like eels to claim they do not have the burdens of agreements, only the rights. We need to stop them in their tracks with this totally invalid (IMHO) tactic.

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I think you can only use 31.14 to ask for things mentioned in the PoC. The DN was not mentioned - hence my point. Get reading the other Cabot threads on here to get you up to speed. Getting the next step right is important. May have to resort to CPR18 to request further info.

 

Put a post on the other Cabot threads asking people to look in here, and provide a link. There's plenty of people with experience of Cabot, and they will assist.

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A default Notice! Excellent! Did you comply?

 

If not, you are entitled to assume they terminated the account. If the account has been terminated, then I can't see any way Cabot can claim only the arrears - there aren't any.

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Cabot's current trick is to claim they are only seeking payment of arrears, as mentioned earlier. A terminated account has no arrears. It is terminated.

 

Let's see what they try next...

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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.

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  • 2 weeks later...

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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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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  • 4 months later...

Good in most ways. Agree with what’s been said. Need to keep on your toes re Carey, and I’m worried that the judge did not react to them saying they could get it reconstructed. That won’t do! So swot up on Carey.

 

And ten weeks is ridiculously generous!

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Hi,no problem,it does look though as they can have there cake and eat it.I can not see see how Barclays.Goldfish can produce documents for Cabot/Mrgans but when i SAR them they can find no accounts for my name or address.

 

barns66

 

Perhaps a letter to Barclays asking exactly that question? Put them on the spot, with a threat that if no explanation is forthcoming, you will be complaining to the ICO about their withholding data. There is always a possibility that Barclays did not actually produce those documents...

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  • 4 weeks later...
I forgot to put in my last post the documents that Goldfish.Barclaycard was of no relevance to the case and they can provide the t/c from when the account was assigned to Cabot it wax not neccessary for them to provide them from when the account was opened.

 

barns66

 

 

Er... I disagree with the judge. If they are relying on Carey v HSBC, it was made very clear that the T&Cs from the time of the opening of the account as well as the most recent were required, together with the exact addresses to which they were issued.

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