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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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Is this a standard or dodgy CCA request reply from HSBC?


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Hmmm, I have just looked at HSBC loan agreements OH has had in the past and currently..

 

Each page is numbered 1 of 6 , 2 of 6, etc.

There is a code on each page on bottom right.

The account number is on each page bottom left.

 

There is a signature box containing the statement "This is a Credit Agreement regulated by the COnsumer Credit Act 1974. Sign it only if you want to be legally bound by its terms".

 

There is a separate page with the Direct Debit mandate to be signed and further separate page for any Insurance product taken out to cover the loan.

 

Did they provide you with a "Demands Needs and Recommendation Statement for the Managed Loan".

 

HSBC is bound by the Direct Debit Guarantee. They cannot refuse to cancel the mandate. If they do, then get in touch with the FSA.

 

Like Fred Basset, I would also be querying that rather glaring mistake re the date for the final repayment.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Citizen,

i did blank out the account number which was on the top left (i think) of each page.

Not sure what a 'demands needs and recommendation statement for the managed loan' is but pretty sure i haven't got one!

When i'm on internet banking, i can cancel any other DD or SO but NOT that ML.

Will defo report them to the FSA for that.

Thanks again

Lisa x

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Hi Citizen,

i did blank out the account number which was on the top left (i think) of each page.

Not sure what a 'demands needs and recommendation statement for the managed loan' is but pretty sure i haven't got one!

When i'm on internet banking, i can cancel any other DD or SO but NOT that ML.

Will defo report them to the FSA for that.

Thanks again

Lisa x

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Hi Underdog - yes it's absolutely shocking! I'm only surprised that they bounced it and never paid it as that would have put us further into the red and they could have given us even more charges!

Lisa x

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Hi Lisa

From what I understand they are only supposed to take payments (offsets) from accounts that are in credit; so it seems your lot at least are adhering to the rules. Couldn't believe it when I saw Natwest had pushed me further in to debt! Some interesting info given to me by enamae:

 

banking: firms' right of 'set off'

 

in particular;

 

 

The basic position is that a firm has a right – but not a duty – to look at a customer’s overall position and to ‘combine’ the accounts held by that customer. This is sometimes called a right of ‘set off’ or a right to ‘combine’ accounts. A firm has this as a general right, whether or not it mentions the right in the account terms. So, in the examples above, the firm can transfer money from an account that is in credit in order to make payments due on another account. But it does not have to do this.

Certain conditions must be met before the firm can exercise its right of ‘set off’.

square-pdb.gifThe account from which the firm transfers funds must be held by the customer who owes the firm money.

square-pdb.gif The account from which the firm transfers the money – and the account from which the money would otherwise have come – must both be held with the same firm.

square-pdb.gifThe account from which the firm transfers funds – and the account from which the money would otherwise have come – must both be held in the same capacity by the customer concerned. So, for example, if Mrs C holds a savings account in her capacity as treasurer of a local society, the firm cannot take money from that account to pay Mrs C’s personal credit card bill that she normally pays from the current account she holds in a personal capacity.

square-pdb.gifThe debt must be due and payable. For example, if a customer misses making a loan payment, then (at least until it calls in the loan) the firm can take only the missed payment – not the balance of the loan.

 

Best of luck with everything, Lisa:)

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Hi Citizen,

i did blank out the account number which was on the top left (i think) of each page.

Not sure what a 'demands needs and recommendation statement for the managed loan' is but pretty sure i haven't got one!

When i'm on internet banking, i can cancel any other DD or SO but NOT that ML.

Will defo report them to the FSA for that.

Thanks again

Lisa x

 

 

HSBC, should have completed a "Demands Needs and Recommendation Statement for the Managed Loan" which is basically an Income & expenditure sheet to see if you could in fact afford the managed loan.

 

When I SAR'd HSBC on behalf of OH, I discovered that they had 'manipulated' the figures to ensure there was sufficient funds to pay the loan they were arranging.

 

They had in fact included funds which OH had no legal right to . .. ie my income, they had also not included any utility bills or other creditors. By doing this, they had effectively prevented paying any creditors I had. As this was a personal loan for OH, they should have only taken into account any contribution I made to the household budget.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This is dynamite, Citizen B. I was never asked anything like this when I got my loan from the bank. Just to check this is for personal unsecured loans?

I received what appeared to be properly executed documents, well it had the terms anyway, I was just going to roll over and take a second job (if I can find one) to pay them. Think I'll be sending a SAR :)

 

What outcome did you achieve, CitB, when you proved their error?

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Castlebest, I am attaching a copy of the DD guarantee. The last bullet point says that the DD can be cancelled at any time !!. I have received one of these from each company I have set up a DD for over the last 2 years or more. ie, Telephone/electricity/council tax/TV Licence etc.

 

guarantee2pk2.th.jpg

 

 

This from the FOS.

banking - direct debit guarantee

 

Direct debits are now a major part of daily life, with many people using them each month to pay their household bills. The direct debit guarantee is a powerful safeguard for customers. So it’s important that firms make sure their staff understand its provisions.

Unfortunately, many do not. Here are some of the things firms have told customers (incorrectly) when problems have arisen:

‘We don’t operate the direct debit guarantee.’

‘You’ll have to contact the originating company for a refund.’

‘We need a month’s notice to cancel a direct debit.’

‘The guarantee doesn’t apply – because you haven’t suffered a loss.’

If you pay by standing order, it is up to your bank to send the payment. If you pay by direct debit, it is up to the payee’s bank to call for the payment, but you will rightly look to your own bank/building society to ensure the smooth running of any direct debits. Mistakes and errors are covered by the direct debit guarantee.

The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme. It says that:

 

square-purple.gif

 

 

If there is a change in the amount to be paid or the payment date, the person receiving the payment (the originator) must notify the customer in advance.

square-purple.gif

 

 

 

 

If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid.

square-purple.gif

 

 

Customers can cancel a direct debit at any time by writing to their bank or building society.

 

You have to make any complaint regarding the DD guarantee to the FSA. Check out this link for information regarding complaints to the FSA.

 

How to complain to a financial firm

 

 

Lisa, I have copied posts over from one of my own threads regarding the Direct Debit Mandate.

 

When I advised HSBC that I was going to complain to the FSA regarding their blatant disregard of the Direct Debit Mandate code. They cancelled it immediately and refunded the charges incurred by making the account go overdrawn. Whether or not the outcome will be the same for you I dont know. But if you dont try ?? At the very least you can point out in defence, that HSBC misled you into believing you could afford such a loan, when in all honesty they knew darn well you couldnt. Responsible lending ??? I dont think so.

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3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This is dynamite, Citizen B. I was never asked anything like this when I got my loan from the bank. Just to check this is for personal unsecured loans?

I received what appeared to be properly executed documents, well it had the terms anyway, I was just going to roll over and take a second job (if I can find one) to pay them. Think I'll be sending a S.A.R - (Subject Access Request) :)

 

What outcome did you achieve, CitB, when you proved their error?

 

Underdog, the FOS are investigating a catalogue of errors on the behalf of OH v HSBC at this very moment. I will update my thread when/if I get a result. I spoke to the person who is investigating last week.. he reckons it might take some time.... ;)

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Guys,

 

just checked again on online banking and it's a standing order - how will that differ to my rights compared with the DD?

Many thanks

Lisa x

 

I am not certain, I understood you could cancel a Standing order at any time. I thought they were much preferred because you have a say in when the money comes out.. not the bank ? They arent something I have had much to do with.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I'm no expert either, but I think you can click "edit", then remove that page, and re-scan with the numbers blanked out. There may be an easier way, which someone may be able to suggest though.

 

oops sorry Lisa, just checked and noticed there is no edit button on that post. Sorry I'm stumped. Hope someone can explain how to remove stuff when necessary.

 

Patma, you are correct as in your first post. You can only edit your own posts and wont see the "edit" button on other peeps' posts:D

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah durrr! I learn something new every day! Thanks for that Citizen. I never thought of that.

 

Took me ages to work out why I was the only one with an "Edit" button :???::D

Edited by citizenB

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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citizen B thank you so much. I learn something new everyday and you helping lisaf has made me realised that HSBC did this with my overdraft and would't let me cancel the DD for the loan or CC and then kept taking them for around 3-4 months, putting me further into an overdraft, charging me for that unauthorised overdraft and then charging me for them refusing the loan and overdraft as they must have thought the overdraft was high enough!! I can remember thinking there is nothing I can do about this and a £1,500 OD went to 3,000 in total with them paying the loan and CC and all the charges.

 

I never once thought about the DD Guarntee!!

Edited by Pipster2797
Mistake
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Right today the crafty so and so's have taken the loan payment out.

My OH's wages were supposed to go into his new account but didn't (don't know why - he has to speak to wages dept). As soon as the money hit the account, they took it but with a slightly different reference on it - like it was done in a bit of a hurry!

Gutted!

Lisa x

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