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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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    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Tilly V mortgage express repo


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Tills, you can take them up on their offer of a FREE valuation, but I'd have a seperate valuation done so you know exactly how much (if anything) you are giving up. Problem with the 75% situation, is that more and more analysts are predicting a downturn, some as much as 40%, so these companies may use that to justify a lower offer. Stay on your toes Lady.

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Hi Tilly, i'm still around and full of admiration. I made enquiries with one of these companies a couple of years ago. I was certainly shocked at how little they offered. I suspect your gut instinct to be wary is right, but it's not worth leaving any stone unturned in this situation.

 

As an extreme long shot, i'm still hoping one of us will win the lottery :rolleyes:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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TILLY, PLEASE DON'T DO IT!!!!

I've been having a bit of a search, & I found this A Dangerous way to get out of DebtBasically it tells you that it's a WIN-WIN situation for them, & a NO-WIN situation for you. Please read the article before you commit to anything, & please be very careful around these companies, it seems as though they're like vultures towards people who are desperate to sell as quickly as possible.

 

Has anyone turned stone the right way up yet?

Edited by ja-de

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Hi Jade

 

Thanks flower, believe me i don't intend to commit to anything, :rolleyes: like hopefull said my gut instict tells me know. But thankyou for the link.

 

 

Tills

 

 

Ps stone is now up the right way

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It must be lets get stone day again.

 

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

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Jade your right, and i hope many posts on this thread will be helpfull to many people that find there selves in a simular situation.

 

 

 

 

 

 

 

 

peeps stop picking on stone :confused::D

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I was offered one of these and they took so long to get sorted out it didn't work out.

 

It is almost impossible to have a win-win situation for the home owner when repossession is instigated (and it isn't always as a last resort as they keep trying to tell you - one missed payment is all it takes these days - and there is plenty of evidence to support that about).

 

What would be sensible is for the mortgage lenders to have a scheme where they buy 25% of the NORMAL value of your home and that way everybody wins... you have some cash to pay off the arrears, and they could possibly keep the rest for three to six months before releasing the balance to you... what do other people think?

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Hi sg, I've heard of it many times in the past, where you 'Buy 2 Rent', but I don't think it applies to Tilly's case, as unfortunately I honestly don't think that the mortgage lenders would even contemplate (big word for me this early on Sunday) going down that road, now or in the future. Lets face it, they're far too busy trying to take all our money as it is. But I must agree with you, it's a reasonably good idea.

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Just a thought Tils, Have you tried your local housing assn ? a couple in my area have been known to buy ex council houses back from the owners and leave them as sitting tenants when their local stock of properties has been low for peeps in similar situs to to yours.

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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To be honest guys, with a view to my current situation, i dont think i want to stay here any longer than i have too now, thats does'nt mean im giving up what i mean is staying until hopefully sell the house or get told leave. So i think the sell to rent is a non starter anyway.

Edited by **Tilly**
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I totally understand what you're saying Tills, in the light of everything that's happened, no-one can blame you at all.

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The housing market is so slow at the moment, i think i have seen 3 sold boards go up, but there are many for sale signs so im not alone there are loads of peeps trying to

do the same.

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

 

 

Well im on the ball there jade i have all mine :D

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I never doubted you Tills, one things for sure, no-one will manage to get one over on you hun, which is why we know that you can do this.

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Morning Tilly and everyone!!

 

I will make sure the info gets to you- still pursuing, but as you say and others have said previously, this sell to rent/ rent back does not look hopeful. It is doubtfull if ME would agree to the sale at such a discounted price in any case, unfortunately. Time is also an issue.

 

Stone, the H/A option to buy has been investigated as suggested in earlier posts. It would make sense if the Housing Corporation focussed more attention on this area for people in this situation. Unfortunately, it does not look like an option in Tillys area.

 

Immediate priority needs to be N244 updated and focussing on housing/ living arrangements.

 

Take care Tilly and ask any questions as you need to.

Edited by kennythecelt
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Morning Kenny

 

Yes i agree with you on the sellt to rent, the n244 needs to be udated asap like you say being offline is not helping :evil:

The living arrangments at the moment are my daughter is going to stay with her brother, me with my sister not ideal i know, but at the moment have no choice.

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Good Luck **Lilly**

 

Our thoughts are with you.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I have been looking at private rentals but here the rents start from 580.00 for a 1 bed flat upwards for houses, although i have sorted out other benefits, they wont give me housing benefit until im out of here :confused:

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Tilly, there is something that has crossed my mind and that is the possession order. I'm wondering if at the moment you would be able to sell the house yourself as I'm not sure if technically and legally it is yours to sell. Although you still have access to it and are living there the order came into effect on 27th May.

 

If you got enough to cover the full debt it may not be a problem. If in reality you are unlikely to cover the full debt, and as you don't want to keep the house I'm beginning to wonder if the N244 is the best way to go.

 

Being totally realistic, if you are still likely to owe ME a very large amount of money after the house as sold, I'm wondering if you may be better to look at alternative ways of clearing the debt.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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