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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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    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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jellybabe vs Cahoot Flexi Loan


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I've had a return call today and missed it again. I was in bed as i'm on nightshift.

 

Never mind, it was the same person that rung last time and he left a message thanking me for returning his call and that they are looking into my complaint and will be in touch in writing very soon.

 

So, very similar to yours..shaneo.

 

jellybabe

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Ah great to hear it Jellybean. If you do not hear from them by the end of this month I would call them on that number and ask then why they have not replied.

 

Even though I have paid off my loan and after having a refund of £95, as I overpaid they still have my account open despite customer services, saying it will be closed then on the 22nd of this month they misinformed the credit reference agencies saying that I had missed a payment and I still owed them £132. I disputed it with Equifax and told Santander to call me in 24 hours to resolve the matter, they never so I asked them to call at close of business yesterday still nothing and today I called again and was told I would be getting a call at 5pm, I never so I called again and finally got through to complaints.

 

I gave them an ear full of my mind they will have the matter resolved by close of business this friday and I will be compensated for the stress caused.

 

 

Now I have them wrapped around my finger. If they fail I will be writing a very strong letter to the FSA. :jaw:

 

 

I word to anyone with anything to do with Santander, WHY ARE YOU BANKING WITH THESE IDIOTS???? SERIOUSLY !!!!!! Their customer service and after sales service suck. Their left hand is not connecting with the right hand. Something is seriously wrong with this bank.

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Hi the problem with Santander is they have bought up so many financial companies that they have now found themselves with a lot of computer systems that cannot talk to each other. As you say left hand not knowing what right hand is saying/doing, I would say this has compounded the farcical customer service that these companies used to have.

 

dpick

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Oh dear Shaneo, so much trouble! :( I'm not looking forward to dealing with them......

 

I hope you get it sorted soon!

 

dpick and shaneo....yes, you're right. You can't even class this as customer service no more, can you? When i first started banking with Cahoot i was very happy with them and the service i received. Over the last few years it's just gone downhill! But isn't it the same with all the Financial Institutions now? I mean where else can we go....we need a Bank....and they know it!

 

I can remember one instance when it was still Cahoot....i've asked for lower payments for a couple months on this Flexi loan...you know what i got for an answer? "We can't let you pay a lower amount, but we can send you a default notice which would then give you 2 weeks to get back on track"......I mean...seriously...Can you believe that??! I told them there and then where to stick it!

 

jellybabe

 

btw, as of yet i haven't heard from them again....no call, no email and no letter. Hoping to hear some good news soon. *fingers crossing*

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  • 2 weeks later...

I have today finally received a letter from Santander informing me that they're looking into my complaint. At the same time i received a letter from Nelson Guest & Partners Solicitors that i have 7 days from date of Letter (which is dated ... Jan 2012) to pay the outstanding amount to Wescot otherwise legal proceedings may be commenced without further notice.

 

:(

 

I will send an email straight away to Nelson Guest informing them of the Dispute and that they can't legally enforce it while it's in Dispute. I think i might scan Santanders Letter in and attach it to the email.

I've got to do it by email at the moment,i've got no ink in my printer and i'm currently waiting for my new cartridges.

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RESULT!!!!

 

Sorry for shouting, lol, i'm so excited!

 

Just got off the phone to a lovely man at Santander, and he informed me that i will get a £3000 odd refund in interest offset against my outstanding balance and i will get written confirmation very soon.

 

In the same phonecall he informed us that he is currently investigating my husbands account aswell, as we put the same complaint in for him! So fingers crossed it'll work out the same!

 

Thanks everyone for all your advice and help!

 

I'm just wondering where i stand regarding the Default now, as i would have never defaulted in the first place if they would have left the interest as agreed at account opening.

 

Hopefully i will be able to reduce my payments a little bit aswell now?......

 

Thanks again,

 

Jellybabe xx

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Well got a shock today, just opened mail from Santander and there is a cheque for just over £5000.

 

Since the last statement I got from them over a year ago was for £12000, I have not got a clue what is going on.

 

They say account will continue at current interest rate, but make no reference to balance on account.

 

WEIRD.

Don\'t let the B**tards grind you down

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mmh, why does everyone get cheques and i get it credited to the outstanding balance...lol...! lucky you :)

probs because mine has been passed on to debt collector even though i was pay each month, although a lower amount than minimum payment.

But i took it as their acceptance as they haven't replied to my lower payment request letter.

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Confirmation letters for both account Cpmlaints have been received.....They're crediting my Loan account with the above mentioned amount within 5-10 days, and the same goes for my husbands account aswell. :) Yay...good results for both of us.

 

Still seem to have a problem with Wescot though, maybe i should inform them that the amount they're claiming is wrong now and maybe i can negotiate a payment plan with them, although i'm still paying the amount i offered a while ago every single month to Santander.

 

I still can't understand why it has been passed on to Wescot in the first place..... I offered the maximum amount i can afford to Santander, i sent the letter 3 times with my income and outgoing sheet (even via special delivery). They had never responded to any of my offers, which i took as acceptance. Because if they're not happy with what i offer, they should have just said.

I paid the offered amount every single month, and still the passed it on? Can they just do that??

 

Any advice or clarification would be much appreciated.

 

Thanks,

jellybabe

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