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    • Hello All, I was hoping for some help with a  Claim Form received yesterday 15h May 2024.  I have read lots of threads but I just want to check what I am doing. I have acknowledged service noting my intention to defend all of the claim and I have left the contest jurisdiction un-checked. I will today/tomorrow issue a CCA request with a £1 postal order to the claimant and a CPR 31:14 to the solicitor.  For the CCA which section should I use? I am not sure which section Paypal Credit would come under. If the claim was issued on the 9th May am I correct with my defence filing date of the 11th June? Is there anything else I need to do? Thanks in advance   Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? Lowell Portfolio I Ltd How many defendant's  joint or self ? Self (just 1) Date of issue –  9th May 2024 Defence filing date: Tuesday 11th June?? Particulars of Claim What is the claim for  The claim is for the sum of £255.69 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a PayPal account with an account reference of xxxxxxxxxxxxxxxx)  The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on 15-09-21, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £0.00. The Claimant claims the sum of £255.69 What is the total value of the claim? £340.69 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PayPal credit account When did you enter into the original agreement before or after April 2007 ? After April 2007  Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, shows as defaulted.  Registered when it was bought by Lowell Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Cant find a letter that say so Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Not sure Why did you cease payments? Financial difficulties and mental health issues What was the date of your last payment? ? Mid 2019 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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traffic penalty notice by cctv camera


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don't PATAS publish an advanced listing ?

 

Only for personal hearings - I think. Carefulbloke just has to sit tight.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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Victory! From PATAS:

 

Adjudicator’s Decision

 

The Adjudicator, having considered this appeal on the basis of written evidence from the Appellant and written evidence from the Authority, has allowed the appeal on the grounds that the penalty exceeded the relevant amount.

 

The reasons for the Adjudicator’s decision are attached.

 

The Adjudicator directs the Authority to cancel the Penalty Charge Notice.

 

Adjudicator s Reasons

 

In their Notice of Rejection, the Authority state that if payment of the Penalty Charge Notice is made by credit card ‘a credit card administration fee of 1.3% covering the council’s costs for processing the payment will be added to the amount that is being paid’.

 

For the reasons set out in the case of London General Transport Services Limited -v- London Borough of Camden (PATAS 2090198127) I found that that there is no authority to require payment of more that the- statutory penalty charge.

 

Considering everything before me carefully, I find that in seeking payment of more than the penalty charge, the Authority the penalty exceeded the amount the authority are empowered to charge.

 

Accordingly, this appeal must be allowed.

 

 

 

Henry Michael Greenslade

Adjudicator appointed under Section 73(3) of the Road Traffic Act 1991 acting in exercise of powers

conferred by Paragraph 10(1) of Schedule 1 to the London Local Authorities and Transport for London

Act 2003.

 

Hooray! Success by a new and unexpected technical reason but no mention of my main defence - a non-compliant PCN. Justice works in mysterious ways.....

Many thanks for all the interesting and helpful comments on this thread.

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Good result Carefulbloke. I saw the initial adjudication on credit card admin fees being unlawful last week. Didn't think that the adjudicators wold follow it through so quickly though.

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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  • 1 month later...

Hi Carefulbloke,

 

Same problem here but my PCN makes no mention of "a credit card administration fee of 1.3% covering the council’s costs for processing the payment will be added to the amount that is being paid’"

Does this mean they've fixed this loophole?

Cheers

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Same here. My original PCN did not mention this credit card surcharge. It said that I could pay by phone by credit card and I would assume that this was for the penalty charge amount only. I'll never know whether my original representations carried any weight!

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Hello Carefulbloke, I had a hearing the exact same PCN this week but had to postpone it to August. Was wondering if you could scan the log file sent by Camden council. I would like to inlcude that in my case showing Camden is not preventing the turn by adequate signage and instead keep a camera to collect money. In my case they sent a log 4th January 13:30 to 15:30. It showed 10 PCNs for the exact same turn with camera 229. I'm glad that the credit card surcharge is another reason for my appeal. Surprisingly on the same junction while driving north east there are no left and no right turn signs which I'm also going to point out in my formal appeal

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  • 2 weeks later...
Guys , what can you advise me on this PCN:

 

pcnrejectionletter.jpg

pcnrejectionletter2.jpg

 

 

If this is a formal notice of rejection then the time frames to pay or appeal are deffective.

 

The use of the word ''within'' alters the time frame, they get it riight sort of by adding ''from the date this letter was delivered'' but thet then go on to fudge it again in the how to appeal section and paying your pcn.

 

Moses v Barnet.

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Can I use this as an argument when appealing to Patas?

Come to think of it, what legislation are they using for this ticket. It will state this on the top. It maybe the TMA 2004 or the london local authorities act.

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There is none on this letter. I don't remember seeing one on the PCN. I have posted it back to contest the contravention and can't double check....

Prety sure you can appeal using the ''within'' formula.

 

This letter of rejection uses the phrase ''within 28 days (from the date this letter was delivered to you'' once, sort of right as they have given the day to start counting

 

They then use the phrase ''within 28 days'' a further two times as the time frames for appeal. Some will say that getting it right once is enough, however as they have repeatedly stated the time frames wrongly then it makes this formal letter of rejection un enforceable.

 

They also do this with the 14 day period.

 

Others may disagree so hangon for more advice mate.

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I have been going through the legislation and it appears to me that the signs are too small, too close to the junction and too low. Also, the clear visibility distance is less than 45mts especially if you are stuck behind a bus. Also this sign is not supplemented with road markings indicating AHEAD ONLY. This sign is also more frequently used on one way streets.

 

Please let me have your views.

PCN-1.jpg

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It also looks to me like there are 2 lanes on the approach to the lights, but only one lane beyond the lights. If this is true then it is either misleading that it would appear you can turn right from the right hand lane (and as you say it may be physically impossible for you to see the "ahead only" sign on the lights pole if a bus in in that inside lane) and/or it is a dangerous junction trying to funnel 2 lanes into one within the space of the junction.

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I do also think that 2 lanes become one beyond the traffic lights and I agree it is misleading as it gives the impression that you can turn right from the right hand lane. Also, the road signs should have been supplemented with road markings AHEAD ONLY with regards to how close the signs are to the junction.

 

Thanks. I think I am going to appeal on the grounds that the traffic order is invalid.

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I don't think that you're going to get that far appealing on the grounds of defective signage or missing road directions.

 

The diag 606 white arrow on blue background only supplements the real instruction which is the upright green arrow in the traffic signal. Where a green arrow is used to replace a solid green aspect you MUST only proceed past the stop line in the direction shown by the arrow. [TSRGD 2002 reg 36 (f)]. The blue sign is there primarily to comply with reg 47(3.d) of the TSRGD concerning the pedestrian crossings on the prohibited right and left turns at the junction. The blue sign itself probably complies in resepct of size as the smallest variation is 270mm diameter.

 

In respect of the road markings on the approach, the TSRGD states in Directions 7 that the MAY be used to reflect the effect of an act, order etc. In does make their use mandatory.

 

One hope that you may have is that the road layout beyond the junction does not meet with the normal standard.

 

The oft traffic signals manual Chapter 5 section 9.12 states that

"The number of lanes on the exit side of the

junction should match the number of ahead lanes at

the Stop line. If localised widening of an exit is

necessary to achieve this, the subsequent reduction in

the number of lanes should be carried out beyond

the junction over a distance of at least 100 m for a

single lane reduction. Deflection arrows to

diagram 1014 may be used to warn of the

impending loss. Normally, it should be the right hand

lane that is lost, so that slower vehicles are not

required to merge with faster-moving accelerating

traffic."

 

Ref.

http://www.dft.gov.uk/pgr/roads/tss/tsmanual/trafficsignsmanualchapter5.pdf

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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You can only but try, and have nothing to lose if your discount period has already expired. Others may have a view on the actual wording of the PCN as well.

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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