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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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Hamptons / Lowell - can they get a copy of my Credit File?


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Hi,

 

Can Hamptons Legal request a copy of my credit file without my permission?

 

I have received a letter from them today that states I owe Lowell Portfolio 1 Ltd £8085.20.

Lowell have written to me on numerous occasions and I have ignored them as I have no idea who I could owe 8K to…I assume like many other debts it was a tenner I owed someone and its escalated…

 

…anyway I’ll deal with the alleged debt in the correct manor should it ever escalate to legal action – what I would like to know is can they obtain a copy of my credit file without me saying they can.

 

The letter says:

 

We refer to previous correspondence and note you have failed to enter into a repayment plan or make realistic arrangements to settle the amount outstanding to our client.

 

We are now going to request a copy of your credit file from Experian the credit reference agency, which will help us decide what form of litigation is best for us to recover monies that are due.

 

If you are a homeowner and the balance warrants it, we could issue legal proceedings against you, if we are granted a judgment we could then apply to the court to enforce the judgment by way of charging order, if you then still persist with non payment we could apply for further enforcement and ask the court to grant an order of sale, if granted this could ultimately mean you losing your home.

 

If you are not a homeowner, we could issue legal proceedings against you. If successful in obtaining a judgment, we could then apply to the court for an enforcement order which could, for instance, take the form of an attachment to your earnings, or instructing a bailiff or sheriff to remove goods from your property.

 

Please note that if we are successful with court action you would incur further costs being added to the outstanding balance in the form of court costs, solicitor’s fees, and interest.

 

You still have the ability to bring this outstanding matter to an amicable conclusion without any of the above happening

 

Please call to arrange repayment

People who haven't made mistakes, haven't made anything!

 

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short answer: yes they will.

 

whether it's lawful or not is another matter.

 

Empty threat, and should attract the usual reply:

CCA, SAR, claim charges back,

tell them to consult

the case Arkell v. Pressdram (1971)

Carpe Jugulum

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that was the conclusion i came too - now who knows if its lawful or not..and if not what can i do about it!?

 

they have found out where i live by doing an address search 10 months ago so they alreay have access to it - its the ordering it to check your other outgoings i'm not keen on!

People who haven't made mistakes, haven't made anything!

 

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Unless they can produce a signed agreement from you allowing them to process your data they could be in breach of the Data Protection Act. What is this alleged debt for? Have they told you. Are you sure they have the right person. Its not unknown for these muppets to chase the wrong person.

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it says Cetelem...after a quick search thiis looks like a sister company oh Haifax [i used to bank with Halifax]

 

IF i owe them anything then it cant be 8K...i've never owed a single company that much money...

People who haven't made mistakes, haven't made anything!

 

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then you need to send them the prove it letter

 

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY

 

 

 

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

Never talk to them, sign nothing and dont give them a specimen of your signature :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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I really want to hold off in doing this as i have not aknowledged this debt as far as i know, i know they have been sending letters on and off for 4 years and i have no recollection of what i may have done in terms of responding - i think i was on a DMP years ago and they may have had some tocken payemnst through that.

 

I know its just a request but i don't like them knowing i've aknowledged their correspondance - or does every one conclude the CCA is the route to go? - with that in mind do i sent a CCA to Lowel, Hamptons or Cetelem?

 

When i used to bank with Halifax payments seemed to cease in 2001 with a few DMP payments recived to an old Halifax account up to Novemeber 2002...i can only assume this is when i stopped paying every one so i'm trying to ride it out in the hope it will be Statue Barred.

People who haven't made mistakes, haven't made anything!

 

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i guess it wont do any harm - just a CCA or is it worth sending a SAR so i can see all the correspondance on the account and see if and when they last had a payemnt voa a DMP [i say that assuming they have had something in the past - i'm not sure i ever had anything with Cetelem, let alone 8K - i did have a loan with Halifax for 3.5K - Halifax say they have no record of this though and i think that was direct with Halifax not Cetelem]

People who haven't made mistakes, haven't made anything!

 

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I posted this yesterday. took it from Equifax's site.

 

Only lenders who are members of CAIS

can see it, and then only with the

consumer’s permission. They must be

companies who grant credit and must be

registered with the Office of the

Information Commissioner under the

Data Protection Act and be licensed by

the Office of Fair Trading under the

Consumer Credit Act.

Companies who access only public

information do not have to go through such

strict controls, because the information is

publicly available from other sources.

We record all enquiries and ‘footprints’ are

left on the database to allow every search

to be tracked so consumers can see which

organisations have accessed information

about them.

 

So in short, No, Lowells cannot legally request a copy of your file.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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i guess it wont do any harm - just a CCA or is it worth sending a S.A.R - (Subject Access Request) so i can see all the correspondance on the account and see if and when they last had a payemnt voa a DMP [i say that assuming they have had something in the past - i'm not sure i ever had anything with Cetelem, let alone 8K - i did have a loan with Halifax for 3.5K - Halifax say they have no record of this though and i think that was direct with Halifax not Cetelem]

Send the prove it letter first of all until they give you more details as to what this is actually about. Sending an SAR to Lowells is a waste of a tenner. Dependant on their response to your prove it letter we will tell you if it is better to CCA Lowells or SAR the OC and claim excessive charges.

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Well as i'm not sure i owe the OC i think i'll CCA Lowel - afterall they wont have proof if it doesnt exist, and if it does exist at least i will know what, who and where - i can then take it from there ... i'm sure its Statue Barred by now though - as i said when i got into difficulties with other companies i didn't make any payments after Nov 2002...its pretty close to 6 years now.

 

I've done the letter and will obtain a £1 postal order tomorrow, should be posted and recived by the weekend [recorded of course]

People who haven't made mistakes, haven't made anything!

 

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sorry - yeah that makes sence...will do this today, is it worth me modifying it to add they cant obtain my credit file as they suggest?

 

afterall surly makeing false claims like they can obtain my credit report is a lie and therfore outside of DCA guidlines - its a bullying tactic i'm not happy with.

Edited by jo5ephedward5

People who haven't made mistakes, haven't made anything!

 

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you could add this to the letter

 

Dear Cretins,

 

STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998

 

At NO time have I given my written permission for you or your company to process my data

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

 

 

Failure to remove ALL my data from your databases will result in a formal complaint to the Information Commissioners’ Office.

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thanks - that ought to do it!

 

they arn't currently processing my data - there is nothing on my credit file - i'm just not happy that they can look at it to see if i've got a house or not...i mean a creditor cant do this can they, they ask permission to do a search, this gives them an overview to allow/decline an account - suppose it goes through they are allowed process my payments each month but they surly can't just pop in and have a look to see what debt i'm in?

 

would i add this on a seperate sheet or in the main body of the one letter?

 

and sorry if i'm acting thick - i used to be all savvy with this stuff but i've been out of the game for a year so to speak

People who haven't made mistakes, haven't made anything!

 

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I have just had a dealing with Lowells, they sent me a letter saying they had brought a debt from 3 phones (£60), an account i had back in 2003/2004. I paid it straight away (like a fool), as I couldn't remember if I did owe 3 anymoney and i had never had any dealings before with a DCA etc, ANYWAY, they performed 2 searches on my credit file and issued a default on the day after taking over the alleged debt. I had received no default notice or corresponsdance asking permission to check my file!!! So, it seems as i gather with the little knowledge that I have, that they are able to do whatever they please..............

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Hi All,

 

I sent a "Prove It" Letter to Lowell-Life and 2 months later they wrote back.

 

In a nutshell they included 18 pages of copies of bank statements which showed a final balance of Zero - last transaction was a credit of £813 to make it zero. Lowell say in the covering letter that this was to prepare the account for sale to them and that I now owe them the money and I need to ring them now to sort it - yeah right I'm going to phone them!

 

The bank statements show something that resembles my name but they do not show any address. Is this proof? My thinking is it isnt.

 

Anyone any ideas how to reply to this?

 

Thanks in advance.

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