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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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Swift Advances. Secured Loan Charges reclaim


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They will keep getting away with it Shelster, if we let them. Thats why it is VITAL you join the fight. Fire off letters to the OFT and your MP.

 

We need the numbers - 1 or 2 people will struggle to make a difference but thousands will.

 

If Swift have, according to Sparkie, 20,000 customers, I make that approximately 20,000 people who are being bent over and shafted by these low lifes - thats a big number and one that the regulators cannot ignore.

 

COME ON EVERYONE!!!

 

 

HI Marky

 

That's what Swift told the BBC in 2007...they had 20600 customers average of £25.000 loan per customer.

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Before I see the Barrister this coming week ..Can any really clued up legally minded person tell if the application made by Swift to possess our property is actually properly stated

 

It says on the actual Court document for possession

 

Claimants ...Swift Advances Plc

 

Defendants ...My full name + 1 other.

 

I am pretty certain that it should contain my partners full name............if it has to then this is another argument for addition to our appeal..it could mean technically.................one of our daughters who is staying with us for 3months or so.

 

All other previous court papers had her full name on.

 

Can anyone find out for me please.

Can't seem to find out if this is correct or not.

 

sparkie

Edited by Sparkie1723
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Just found some advice on more grounds for appeal

  1. If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the summons.

No Default notice was received before we received the summons

 

2. Was the summons taken out against both yourself and another person jointly. If this is so, did you both receive your summons?

 

I received the summons in my name plus..... one other ......my partner did not get one in her name, as stated before

 

Did you receive the summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the judgement would have already been taken out against you?

 

Summons was dated 10th November we did not receive it until 13th November ( Date on envelope from the Court 12 th November)

Date of hearing 3rd Dec..... 20 days notice .........1 day short...........but then that's enough in law isn't it.....( I hope.)

Edited by Sparkie1723
Dates posted in incorrect..rectified
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Is this incorrectly issued?? ANYONE PLEASE.

 

Everyone Knows my name from other posts............... its OK....no need for secrecy any more its public domain now.

 

At the last hearing Swift withdrew the application for possession because we had paid them all the arrears, and the Court just heard our Counter claim, ......also Mark White has confirmed in his last witness statement that as a fact ...............that only our counterclaim was heard.

 

Getting closer to the 28 day deadline............only 15 days to go

 

Nice Xmas present hanging over our heads

 

Although we still haven't received the official court order yet......probably get that monday

 

sparkie

 

 

 

 

CopyofCourtAPPLICATION.jpg

Edited by Sparkie1723
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Remember I posted that the Judge said that to file a defence witness statemnt 3 to 4 days before the hearing was unacceptable and completely disregared it.

 

I have just found this buried in CPR's another example of how a LIP gets walked over by the JUdges

 

 

Defendant's response......Possession hearings

 

55.24

 

(1) At any time before the hearing the defendant may file a witness statement in response to the application.

 

(2) The witness statement should be in the form set out in the relevant practice direction.

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Hi Sparkie,

 

I think an immediate application for set aside of the possession order is called for.

 

Reasons:

(a) Non-compliance by Court with CPR 55

(b) No compliance by claimant with Mortgage Arrears Protocol

© No receipt by you of Default Notice, Swift to be put to strict proof of the sending of this very important piece of paper, and strict proof of your receipt of same to also be provided by Swift (I know they can't provide this!)

 

Please read the following:

 

'How the Mortgage Arrears Protocol affect mortgage proceedings.'

 

By District Judge Peter Jolly published in Law Society Gazette, 19th January 2009. [DJ Jolly sits at Portsmouth combined court]

 

If you 'google' the title it will bring it up for you....I know you knew that!!

 

I assume you are on or have applied for legal aid - your new barrister will doubtless help you.....so can those of us at CAG - [me at least with moral support!]

 

As always

Kind regards

 

Dougal

 

PS If you wish you can send me the EXACT wording of your possession order. I will be able to compare it to mine and then possibly find a way to stop it!

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Morning Dougal and everyone.

 

The Barrister the firm of solicitors use, Specialises in irredeemable consumer credit contracts and Defence of possession cases and contact law.

 

This is the bulk of his work, so it looks as if I am in good hands for once..

Haven't got the copy of the actual order yet Dougal will send you a copy when I get it.

 

sparkie

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Morning Sparkie and all. I don't know how you're proceeding with Swift's offer to help (pah!!!) but if you go to the CAB and complete an Income and Expenditure form with them, theirs is an industry wide accepted form and you can send it to whoever. You don't need to keep filling forms in for each and every creditor - just copies of your CAB one. You will have a CAB ref number and a financial advice worker alloted to you. They will update it with you as and if your situation changes. I know how time-consuming these requests are and each company has a different form. The CAB may also be able to help out with the repo business. Sparkie.

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Morning Sparkie and all. I don't know how you're proceeding with Swift's offer to help (pah!!!) but if you go to the CAB and complete an Income and Expenditure form with them, theirs is an industry wide accepted form and you can send it to whoever. You don't need to keep filling forms in for each and every creditor - just copies of your CAB one. You will have a CAB ref number and a financial advice worker alloted to you. They will update it with you as and if your situation changes. I know how time-consuming these requests are and each company has a different form. The CAB may also be able to help out with the repo business. Sparkie.

 

Morning all,

 

Brilliant advice...I wish I'd said that!

 

Well done SJ!!!

 

As always the very best to each and every one of you

 

Dougal

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Is this not a little worrying?

 

It appears that more than likely that SWift... do not like what I for one is posting .............I have found out too much and they have most likely protested and sent out the threat of proceedings against the site.

 

The site has to be protectected because it helps and guides so many, they now have to be carefull on this issue and forum

 

Swift are .............in my personal opinion more than a little worried.

 

However my Dad used to say,,"THE TRUTH HURTS LAD" so allways tell it.!! and I truly believe I have done so in this issue and dispute, and all be be heard in the High Court.

 

I have a meeting with Counsel on Wednesday.

sparkie

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It appears that more than likely that SWift... do not like what I for one is posting .............I have found out too much and they have most likely protested and sent out the threat of proceedings against the site.

 

The site has to be protectected because it helps and guides so many, they now have to be carefull on this issue and forum

 

Swift are .............in my personal opinion more than a little worried.

 

However my Dad used to say,,"THE TRUTH HURTS LAD" so allways tell it.!! and I truly believe I have done so in this issue and dispute, and all be be heard in the High Court.

 

I have a meeting with Counsel on Wednesday.

sparkie

 

if that is the case sparkie you must have the **** really rattled

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Well, how interesting. Firstly, for my 'bots' can I say to AlanfromDerby how sorry I am for taking up so much of your time having to edit all these posts - that's not what one likes to think you people in the site team are required to do.

 

However, this just demonstrates quite clearly that Swift are just a little bit disturbed at the fact nerves are being touched and the fact that they have no doubt called in lawyers to attack the site as they don't like seeing a mirror image of what they do on a public forum.

 

The trouble is, from what I know of what is posted ALL of it can be substantaited with documentation or recorded telephone calls so if ever the site was threatened with action please feel free to come to we on this thread and we will provide you with all the documentary evidence you need to support what is said. That, my friends in Brentford is something you can do nothing whatsoever to repudiate no matter what threats you make to the site. What you can't handle is the fact that those who you previously took to the cleaners as sole account holders who knew nothing have been suceeded by a whole load of people who discuss the information you peddle to the courts, share that information, compare that information and expose that information for what it is. To counter it, you cry wolf. Tough. and for you it's going to get tougher.

 

 

You can bott away all you like Alan, it will make no difference to the final outcome. Save the reputation of the forum, but many a campaign has lead to nerves endings getting extremely raw and that's because it's getting too hot in the Brentford kitchen. :D

 

 

SC

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To site team

 

Please do not send me any more PM's about posts just delete or edit them as you see fit it is causing me a lot of work emptying my in box and my e-mail box, and I have enough preparing all docs and evidence for Counsel on Wednesday .......because I have a lot to sift through to get the most damaging ones to Swift for Counsel to peruse

 

Would appreciate this small favour

 

Thanks

sparkie

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What are you dudes on about? whats botted?

 

 

DUDES??? :eek::D

 

Botted means CagBotted, which effectively is a sensorship or the editing of our posts because the site may have been threatened with legal action and possible site close down because the post contains 'risky' words such as 'fraud' 'thief' 'Liar' 'conspiracy' or any other potentially liabelous word attributed to an individual or organisation which might jeapordise the whole forum.

 

We do have to respect the site and the fact it could be sued, so we have to be careful what we post. That's why we only ever post the truth so as not to upset the balance on this level playing field between finance companies and consumers...;)

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You can bott away all you like Alan, it will make no difference to the final outcome. Save the reputation of the forum, but many a campaign has lead to nerves endings getting extremely raw and that's because it's getting too hot in the Brentford kitchen. :D

 

 

SC

 

Obviously you will gather that numerous posts have been edited or removed for legal reasons. Whilst we do not consider that the majority of the posts concerned are unlawful, we prefer to err on the side of caution.

 

I would add that some of the posts highlighted to us have not been moderated as we do not consider that there is any valid legal reason for them to be edited or removed.

 

Please could I ask that members stick to the facts, and not name specific individuals unless there is a valid and proportionate reason for doing so.

 

CAG does not like to have to remove or edit posts where a valid dispute exists, and there are consumer based issues that the company needs to be addressing. Unfortunately we are sometimes left with no choice where threads start to deviate towards personal opinion and reports from unverifiable sources.

 

Whilst it is likely that the views expressed are within the bounds of freedom of expression, as I said above, we do have to err on the side of caution.

 

 

 

 

 

 

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Have just received some more damming information off another Swift victim............. I am not posting it they will be hit with this in Court..................I can say IT IS GOOD STUFF:D:D:D in fact I would say Brilliant stuff.

 

The person is sending this info and supporting docs through the post

 

sparkie

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