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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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      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.

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DCA has been CCA'd


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Hi, I am a new member who introduced myself in the welcome section last week. I have been receiving letters from a DCA about an alleged debt (I say alleged because I will not acknowledge any debt to a DCA unless they can prove otherwise). The first letter was a phishing letter, which I ignored. The second was informing me who the OC is and the amount owed. I then sent a CCA request by special delivery and checked it a couple of days later on the Royal Mail track & trace.It stated; We can confirm that this item was delivered in the guaranteed time. Sorry, an electronic proof of delivery is not available for this item. I received a third letter from the DCA (I am not ready to name them yet!) which would have crossed with my CCA request. It reads "As you have failed to enter into a repayment plan we may instruct an agent in you area to visit your home to discuss repayment of your account. Unless you make payment in the next five days our agent may contact you. I responded with the Rights to visit letter. All the steps I have taken have been with the help of this fantastic forum and I hope I have done the right thing. I have a couple of minor points I was hoping somebody could help me with.

 

1. The CCA request has not been acknowledged yet, although it was delivered over a week ago.

2. The Royal Mail states that; We can confirm that this item was delivered in the guaranteed time. Sorry, an electronic proof of delivery is not available for this item.

3. Is this proof enough that the DCA received my CCA request and I just sit back and count the days, or is there something proactive I can do.

 

Thank you all for the fantastic advice I have gleaned from the forum and any guidance with the minor questions here.

 

I have not acknowelged any debt to a DCA

I have not spoken on the phone to any DCA

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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The electronic proof can take a week to show so just keep checking. Print the page off that says it has been delivered and file it with a copy of the CCA request letter and the SD receipt if you still have it. They now have 12 working days form the day after they received it (to be on the safe side)

 

Whether they acknowlegde it or not the clock is ticking. Don't speak to them on the phone and just sit back.

 

If they do send anything that resembles an agreement through, scan it and post it up so other members can advise whether they believe it is enforceable.

 

Good luck!

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Thanks, Tartan Barty. I have the SD receipts and will print off the ackowledgements of delivery. Like you say the clock is ticking. 12+2 working days. They have until the end of June then it is in dispute. Any letters or copy of a CCA and I will post it up on this thread.

 

Isn't CAG brilliant! :)

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Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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You could phone the post office, the number is on the receipt. It is for those without internet access. Maybe they will post you proof of delivery. It would sit well with your records if needed. I would not be surprised if you didn't get a response of some kind from the DCA. Probably telling you they will get the cca and you will have to pay in full. Or offering a reduced sum if there is doubt on their part in receiving the cca from the original oc. Good luck, I am hoping your dca cannot get your originl cca. They might try to palm you off with something that appears to be a cca. That is why you must post it up on here for the experts to examine.

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Thanks Strand, that's sound advice. I'm working long hours at the moment but when I get a chance I will phone the number on the SD receipt. I also hope the DCA cannot source the CCA. ;) I will keep you informed of Post Office telephone response. If I get any more letters from the DCA, I will post it's contents here. A big thank you for all your support.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I have just telephoned the Post Office (the number on the sd receipt) and I have spoken to an advisor. The company the Royal mail use for electronic proof of receipt has been having technical problems. As it turned out I was informed my electronic proof of delivery was available now on-line. This has taken 11 days. My records on now up to date (date sent, date received) on my CCA request and I also date (received) all letters from the DCA as the date on their letters can differ quite considerably. No response from the DCA yet. That's now 5 working days and not even an acknowledgement from them. With my electronic proof of delivery I am now confident to let the days pass. Roll on 12+2, Tick Tock. :D

 

Thanks to Tartan Barty and Strand for your advice and support.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I received an acknowledgement letter from the DCA, it was dated 7 days ago. As mentioned earlier in the thread I always date it on the back, when it was received. Its now five working days. What happens when (if) it gets to 12 + 2? Do I send them a this account is now in default letter, or would it be best to wait (hopefully) for the further 30 days and then report them to TS. I am trying to learn as I go.

Edited by Fighting-Fit
typo

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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  • 2 weeks later...

Hi to all. Just a quick update. It is now 12 days and no agreement. I will give them another 2 days and then 30 calendar days. Tick Tock ;)

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles :). I will be keeping my thread updated as events unfold. If you want me to PM you when I hear back I would be willing to do this. I was looking at your thread earlier and understand why you would want to be informed of my progress. Anything I can help you with I would be only to happy to help.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles :). I will be keeping my thread updated as events unfold. If you want me to PM you when I hear back I would be willing to do this. I was looking at your thread earlier and understand why you would want to be informed of my progress. Anything I can help you with I would be only to happy to help.

 

Hi,

 

That is an offer I am not going to refuse.

 

I could honestly use all the help I could get! Also happy to give any support I can. I am not as helpless as my threads suggest, just a bit overwhelmed by the situation my ex has put me in!

 

Sparkles

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Hi Guys

 

First time I've posted on any forum, so apologies if my ettiquette is incorrect.

 

I am dealing with DLC (part of Hillesden securities), who are chasing my Dad for a credit card debt (pre 2000 I think). After visiting this site I did a N template letter to DLC asking for CCA. Prior to that I did a subject access request, which they sent screen dumps of dated call logs (only where ther had a contact and not the other hundreds of harrassing calls at all hours).

 

Anyway, CCA akcnowledged in May and we have had 2 further letters saying they are still looking for CCA and will get in touch in 21 days. There are out of the 12 working days time frame.

 

What do I do next?

 

:confused:

 

Sorry if this isn't the right place to post.

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Hello and Welcome, saindawn.

 

It would be better for yourself, if you start a new thread and keep it updated ;)

 

Have a look at this.......

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

That should keep you straight on what to do :)

 

With the CCA request, just wait until the 12+2 plus another 30 Calendar days pass, then think about further action.

 

We do have a letter to send in these circumstances ;)

 

If the 'alleged debt' is over 6 years old and there has been no payment towards the debt in that time, the debt will be Statute Barred.

Therefore, there is no way you would have to pay any more to it.

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Good luck with your case siandawn. Don't forget that if the alleged debt is over six years old and has not been acknowledged during that period (five in Scotland) then legally, NO DCA is allowed to hound you for the debt. ;) It becomes statue barred.

Edited by Fighting-Fit
added not acknowledged

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi to all CAG members. I have noticed a lot of new members are using this thread to wean information from the 1st phishing letter up to the point where maybe they think they should send a Prove It letter or a CCA. My account is in dispute and the 30 calendar days are up on the 26th July. If it gets that far they (DCA) will be committing a criminal offence. While I am waiting for a response to my CCA request, I will be posting information I feel could be helpful to new members at the start of their fight with a DCA. This will not be a substitute to posting your own thread and must only be used as a guide. I will start with a few acronym's commonly used on this site;

 

DCA - Debt Collection Agency

OC - Original Creditor

CCA - Consumer Credit Agreement

S.A.R - Subject Access Request

TS - Trading Standards

OFT - Office of Fair Trading

FOS - Financial Ombudsman Service

DRA - Debt Reference Agency

 

I remember that feeling when my first letter arrived from a DCA and if I can be of any help to people at the beginning of their fight with a DCA then I will help all I can. On this site there is a vast amount of experience and many member's have helped me. I still need help and will be continuing to ask for it. This does not stop me passing on what I have learned and am continuing to learn. I hope my post will be of some use to someone.

Edited by Fighting-Fit
Typo

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles, you have worked so hard sorting out the mess that you found yourself in. You will be rewarded, make no mistake about that. Fighting back is the only way to beat the DCA's. The TS, OFT and any other authorities we can report them to will be sick to death of CAG's by the time we finish with them. ;)

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi CAG’s, :) as I have pointed out elsewhere on this thread, I still remember that feeling when the 1st letter arrived from a DCA. I googled the DCA and fortunately for me and many other’s I found this site with it’s wealth of knowledge. I was not in the best frame of mind and although this site is fantastic it can be awkward for new members who are not thinking straight. I didn’t realise that the 1st letter you get is usually the DCA fishing around and the same letter will go to everyone with the same name. It is their way of searching for people with alleged debt. I didn’t realise that the best thing to do (in my case) was to ignore it. I didn’t realise how bad they are on the phone and how they will hound you if you contact them this way. I also didn’t realise that you should never acknowledge the debt, and only communicate with them in writing and never sign your name. I also did not know it is up to them to prove you have a debt.

 

NEVER SPEAK TO A DCA ON THE PHONE

NEVER ACKNOWLEDGE THE DEBT

NEVER SIGN YOUR NAME

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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