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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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jellybabe vs Cahoot Flexi Loan


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Hi Undercover-Elsa,

 

Sorry for late reply, i don't seem to receive emails no more when someone replies to my threads??

 

I will have a look at your time orders link today....i haven't heard anything from them yet, but no doubt it'll soon happen. I try not to worry about my Credit file too much, it's trashed now anyway since my hubby had lost his job last year. It only took him 4 month to find a new one (on a much lower income),but from then on everything went haywire.

 

Thanks very much for all the information,

 

jellybabe x

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  • 4 weeks later...

...a little update on this....

 

i have since my last post received several chase and threat letters from Santander's Debt collectors after not reacting to their faulty DN.

 

Contacted them 3 times, well, 2 letters to the Collectors (which have been ignored) and the last letter i directed straight to Santander, which have now replied saying that i need to ring them to talk about this. I did send a letter asking for lower payments and included a Budget Sheet.

I will not ring them , instead, i think, i will have to remind them again that i will only communicate with them in writing?!

 

One funny thing though...Have also received another letter now from Collectors, saying that my account will be passed back to Santander within 3 weeks. And Santander is in the process of preparing a DN to me??? Have i missed something??? Thought they had sent me one already as showing above....faulty one, but still marked as a DN?

 

Was this just a decoy to scare me and make me think it's a real one so i do quickly pay?? (If i would have had the money, i probably would have fallen for it!)

 

Is this Legal???

 

Any thought anyone??

 

Thanks,

 

xx

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Hi Jellybabe,

As things stand, they can issue another default notice (but there's no guarantee they'll get this right either). Did you say anything to them about the original DN?

It's best to keep quiet if you have a bad one - it's only of use after they issue a claim, as part of a defence.

 

Just hang fire and see what Santander come up with

 

Elsa x

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Hi Elsa,

 

Thanks for your reply.

 

Nope, haven't mentioned the faulty DN at all. Thought it'd be better not to mention it, just in case.

 

Just made me wonder that the Collectors sent me a letter saying that my account will be sent back to santander so they can issue me a DN, as the first one is marked as one.....but i gather that was just a threat making it look like a DN to scare me.

 

I will just keep on paying the amount i offered in my last letter, and see what happens?

 

Should i not contact them to say that i will only communicate in writing?

 

Thanks,

 

Jellybabe x

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Hi JB,

The first one is definitely a Default Notice.

You could if you wish write back and tell them that you can only discuss this in writing as you require a written record of negotiations, reiterate that you have made them a genuine offer of the maximum you can afford and look forward to receiving their acceptance of this in writing.

If you keep paying the figure offered - gives you the moral high ground.

 

Alternatively if you're feeling brave, you could cease payment and ignore them until they default it again and terminate the account, which usually freezes the amount owed and stops interest. THEN make your offer of payment.

This route is faster, but you'd have to put up with the hassling letters and be ready to jump in with a payment offer at the right time. Your choice.

 

I notice you sent a CCA request ages ago. Did you get a response to this?

 

Elsa x

Edited by Undercover-Elsa
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  • 3 months later...

Sorry, not been on here for a while due to health problems.

 

I have approx. 2 weeks ago received another one of those weird DN's and today i have received a letter confirming termination of the said account. And all this on a faulty DN?

 

The thing is, i know they can do that, but i have paid the maximum amount i can, which i had offered them from the beginning. And i paid it on time, as soon as i got paid each month. On the monthly statements it looked to me as if they froze the interest aswell, which i took as their acceptance of my request.

 

Now they tell me that one of the following will be done without further notice:

 

1.outstanding balance will be passed or sold to a debt collection agency for recovery of the outstanding balance.

2.Default information will be passed to the CRA's (which is obvious, i expected that).

 

The letter only states the Arrears on the account.

 

Could someone please advise on what my next step should be now? Should i hold back until i get letters from DCA now or should i contact Cahoot (now Santander) regarding this, and that i thought we had an agreement?

 

Please please, if anyone can help, it would be very much appreciated. :(

 

Thanks,

 

jellybabe

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  • 1 month later...

I have now sent Complaint emails to Santanderlink3.gif for mine and my Husbands account regarding the Loans. We have Moorcroft threatening us with legal action aswell now if we don't pay until the 9th Jan. Only received the letter today.

 

Both accounts haven't received any proper DN, and for one account we have received notice of closure.

 

I just hope these emails will get us somewhere. We had tried to arrange lower payments and made them every months since then, to no avail. We still pay approx. 75% of the minimum payments, which i thought was reasonable...even though we could do with lower ones, but we make do.

 

I have also stated in the emails that we now consider those accounts to be in Dispute....i just hope they accept that, it'll buy us some time maybe.

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shaneo.....I did email the same adress you stated, and i missed a call from someone at Santander. Even though i did state in my email that i would like the reply to be by email or letter only. Should i ring back? or should i send another message reinstating that i want things be done in writing?

 

Undercover-Elsa....i haven't sent a new CCA request off yet. But maybe i should send one to Moorcroft anyway?

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Yes, definitely send one. Now that it's defaulted/terminated have they stopped adding interest?

 

If they don't comply with the CCA I would stop payment until/unless they do comply, but put the money to one side each month with a view to an F&F at some stage. Certainly 75% of usual monthly amount is a high payment on a defaulted account and if you're struggling with this they need a wakeup call (CCA) after which they'll be far more likely to either offer a discount or accept much lower payments within your budget.

 

kind regards,

Elsa x

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I would just simply say:

 

I can see from my phone call log that you have contacted me, my name is 'jellybabe' and I calling regarding my Cahoot Flexi loan account number 666666. Could you please put me through to who called, thank you.

 

Something like that.

 

What they told me was that they where looking into my complaint and will reply with an answer with in 10-14 working days.

 

At the end of the day Jellybabe, they are as much human as you are and to be honest very friendly and approachable in that department.

 

Remember to ask for an email to back up the phone conversation you have just had with them.

 

Good Luck. Call them today friday 13th, break the bad spell of the day :)

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If there is one thing I have learnt with santander is that they never really send you a reply via email as quick as they could over the phone. Talking is better than email. Call them now let me know how you got on.

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Thanks, i just rang and the gentlemen seems to have gone home already..Just my blooming luck :)

 

Never mind, i left a message explaining who i am and what account it is about....i didn't leave my phone nr again (maybe i should have, but totally forgot at that moment), but saying that, he should have it anyway.

 

Don't think he'll ring back until Mon now anyway.

 

Thanks

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Thanks for your help so far shaneo and Undercover Elsa..it is much appreciated.

 

I do hope it turns out good for us, even if it only means we can reduce our payments a bit...that would help a great deal.

 

And Congrats shaneo on your success. How long did it take until you had your refund?

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