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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.

      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.

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Debt following death.


nuthatch
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Nuthatch, it must be difficult going through what you are on your won - but you have this site behind you and all our varied experiences...

 

The worse we had was when my gran died, she was in sheltered accommodation (own flat but warden controlled) and the warden was really great - all her bills had been paid the day before she died and we had a week to clear the flat (we could have had longer but it wasn't needed). The electricity board however kept writing to my sister (who was executor) and asking for the bill to be paid up to the end of the month - which she didn't need as she only had two days to pay! They asked for her forwarding address - so my sister wrote the plot no and the address of the cemetery and they wrote there!!! In the end we asked for a person who could use sign language to come to a meeting with the local MP as they clearly couldn't understand spoken or written language (one of my sister in laws teaches sign language) and that put a stop to it.

 

There are heartless bureaucrats out there - and there are some nice ones, but the majority are 'just doing their jobs' and churn out their rubbish.

 

One bit of advice I was given when my mum died unexpectedly was "Nobody has the right to tell you how and when you can do your grieving, it is an individual thing and cannot be regulated by law or custom."

 

Hopefully things will become easier over the months ahead, the light at the end of the tunnel isn't really there in some cases, its just your eyes getting used to the darkness.

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You have to laugh at how these company deal with the greaving familys.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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nuthatch.

 

Next time someone speaks to u like that just thank them and bid them a nice day then hang up.

 

U are well within your rights to tell them were to go and to refuse to deal with them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Ok. I have just printed out 2 copies. One for Egg and one for the file.

I have not signed it, just put a squiggle and will send it off RD tomorrow.

 

I have had a little panic. I did actually send them a copy of my husband's will which does state I am the only beneficiary.It was only one page...we haven't got much.

My 2 sons are named as beneficiaries in the event of both of us dying. I have blanked out their addresses though.

Is that a big mistake on my part?

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Not really it is helpful to know u are the beneficary. You could always put it down to u not knowing any better.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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and with no money i the estate then there is not much they can do anyway.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Have received a reply from Robinson Way re my CCA request on the HFC debt (Marbles CC)

I have been checking back through recordes I have of this debt which you may be interested in.

Had been paying via CCCS since beg 2006 on DMP.

 

19.03.08 Letter from HFC advising that a Default Notice had been issued and agreeing to accept reduced payments which was accepted 22.10.07 and to review account on 1.04.08.

 

26.03.08 Letter from HFC agreeing to extend DMP.

 

15.04.08 Letter from CCCS advising that HFC had notified them that they were no longer dealing with the debt and so they would hold onto the DMP money until they knew where to send it.

 

15.04.08 Letter from Robinson Way (Formal demand for payment).

"As we have now purchased the debt we are authorised to recover the full amount due. This is a formal notice of intended court action we intend to take unless you pay, or agree an arrangement with us" etc

 

17.04.08 Letter from Robinson Way to say they had purchased the debt

"and are wholly responsible for administering your account noted above. We note you are paying through a debt management company etc....."

 

Letter received today dated 13.08.08 from Robinson Way

 

We refer to your recent correspondence requesting a signed agreement under the CCA 1974.

We have requested a signed agreement from our client and this will be forwarded to you as soon as possible. Please be advised that your account is on delay in the meantime.

As a simple assignee from the original creditor we have acquired the rights but not the duties of the creditor as defined 189(1) of the CCA 1974 and accordingly are entitled to pursue the customer for the monies that remain due by reason of section 136 of the Law of Property Act 1925.

 

Yours sincerely etc

 

Don't understand this. From reading around CAG forums, I thought that when a DCA purchased a debt, they took over all responsiblities?

Edited by nuthatch
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u could always send them this

http://www.consumeractiongroup.co.uk/forum/show-post/post-1665051.html

 

Some of it is not applicable but most of it is.

 

this is the relivant part

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

Edited by The GodMother
adding stuff.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yeah they are attempting, not for the 1st time & mistakenly to hide behind the 1923 property act

 

Write back & tell them the CCA the OFT nor LACORS agrees with them & that they have the same duties under the CCA as the original creditor. Furthermore with regard to the duties AND liabilities you'll rely on Dimond v Lovell amongst others

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I'll be very surprised if you get an enforceable Marbles Agreement from the HFC archives Nuthatch.... because I read on here ages ago that HFC haven't got any; either because they destroyed them or because they weren't enforceable in the first place.:D

 

I also suspect Robbers Way may have bought a bulk of these toilet roll accounts:p... which is why they're coming out with garbage about rights and responsibilities, etc. I've been helping another member on a different thread with RW and HFC Marbles account.... and also had one myself, which was sold to Cabot some time ago. You may get an Application Form sent through.... but that should be all they have.

 

If that does prove to be the case..... then they can just bog off.;) Stupid bergers....

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well that would be different.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The debt I have CCA'd Robinson Way on is actually one of my debt's, not my husband's. I haven't CCA'd any of my husband's debts yet...just asked Egg for proof that they have the right to collect the money.

 

I don't want things to get too complicated at this stage as I can't get my head round it.

 

I have bought a pile of files and am going to start putting things in seperate creditor order.

Now, that is a simple job my brain can process :)

 

I did attempt to start reading the link posted by The Chancellor (thank you) but could feel my eyes glazing over.

The relevant piece posted by The Godmother I can understand. So should I just write back to RW quoting that bit?

 

And JonChris....who are Dimond and Lovell? I will Google it to try and find out so silly question really.

I have now read this....3 times...and I still don't really understand it

 

In a perverse way, dealing with these people is helping my grief. I need someone to be mad at and I have had so much help from friends, relatives and the Medical Profession, I can't find a target there.

And as my DH tried so hard to get us out of debt and worried so much about it, these creditors are going to get the full blast of my anger using all the combined expertise of CAG.

Thank you all so much.

Edited by nuthatch
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no need to let RW no of there obligations they should know them. good on u for buying the folders. If u want to have a go at the dcas then u go for it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Agree with GM.... don't bother writing back at this stage. They've not sent you anything yet anyway.

 

This "rights & responsibilities" claptrap appears to be a fairly recent Robbers Way tactic. Cabot used to do it and seem to have given up on it now, as I've not seen it posted up on here recently and they didn't event try quoting it to me a few months ago either.

 

Just file the RW letter away for now and see what they send next.

 

It's good to hear that you're getting angry Nuthatch... it needs to come out and I can't think of a more deserving bunch of t*ssers than these guys.;) DCAs are an excellent target to get mad at... because they care for no-one. :mad:

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Nuthatch sorry if I appear a little blunt but there's now't they can do about your husbands debts that you need bother about just yet.

 

On the other hand there's plenty they can do about yours so it's important that you start the process of disputing your debts now rather than wait for it all to build up.

 

Better slowly slowy catchee monkey rather than waiting until you HAVE to do something thereby causing you more grief

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As long as you lead be by the nose and tell me what to do I will do what you say.

I will tell you if my brain seizes.

 

I was supposed to be getting an email from the CCCS this week about my DMP review but have heard nothing yet.

When they do contact me, should I say I have CCA'd 2 of my creditors and if they don't reply by Friday they are out of time as it is more than 12+2 days I calculate?

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Yes but don't expect to much from CCCS. They have the mistaken belief that no matter how your treated by the creditor YOU have a moral obligation to pay.

 

Its' also worth remembering that whilst a charity much of their 'funding' comes form the finance industry. So before confirming anything or giving any suggested undertaking come back here for unbiased advice

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here here JC

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yes but don't expect to much from CCCS. They have the mistaken belief that no matter how your treated by the creditor YOU have a moral obligation to pay.

 

Its' also worth remembering that whilst a charity much of their 'funding' comes form the finance industry.

 

That explains a thing or two. We do not normally ask the pheasant to award the prize for the best shot. Lots of financial institutions recommend c.c.c.s over citizens advice b.

If my post helped you feel better, click my scales.

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