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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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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CCA request


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Hi All,

 

I bought a car in July 2005 couldn't meet the re-payments so i voluntarily handed it back in May 2008. At the time i didn't realise i still had £ 750 to pay to have paid half and hand it back without any issues should i have been informed of this at the time by my car finance company??

 

I have now recieved a court summons from RCI financial services for the remaining balance of the car, the initial rate of the finance was 6.5% they're asking the court to make it 8% annually. Can I requset a copy of my CCA after this case go's to court or should I be requesting it now before they take me to court.

 

Any help gratefully recieved

 

:(

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I would certainly do a subject access request of them to see if there is any record of them informing you of this debt, as it would certainly not help their case if they have not bothered to inform you of this sooner.

I pressume you have not been sent anything before this.

If you have time contact them and discuss settlement before going to court, by paying the £750 plus interest. Or do a CCA as well as you suggest to see if they do still have a signed copy of the agreement.

Which if they dont could mean it would be uneforceable? maybe! not sure about this, maybe someone in the debt advice area coud be more help,.

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i received a demand for the full amount of 3268 then 2 weeks later a court summons.think i may be a bit late to do anything.offered them a payment plan of 60 a month but they refused saying they would take me to court for the full amount

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Hi All,

 

I bought a car in July 2005 couldn't meet the re-payments so i voluntarily handed it back in May 2008. At the time i didn't realise i still had £ 750 to pay to have paid half and hand it back without any issues should i have been informed of this at the time by my car finance company??

 

I have now recieved a court summons from RCI financial services for the remaining balance of the car, the initial rate of the finance was 6.5% they're asking the court to make it 8% annually. Can I requset a copy of my CCA after this case go's to court or should I be requesting it now before they take me to court.

 

Any help gratefully recieved

 

:(

 

Hi and welcome, have you actually had a claim from the court yet? if so what date is on it?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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hi i bought a car using rci financial services in july 2005,got to 2007 things where a bit tight and couldnt affordrepayments.i handed the car back in may 2008 later found out i was 750pounds short of paying half the balance was never told this was only told i had to ppay the 4500 balance.then in october got a final demand saying the car had been sold for 1256 and the remaining balance of 3200 had to be paid in 7 days.end of october got a court sumons to go to court for the full amount.offered them 60 per month to stop court proceedings they refused it.they are applying to courts to raise the intrest from 6.5% to 8% to.sshould i be asking for my cca or is it to late to do anything any help grateful

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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had a sumons to appear on the 18 of december

 

You should have had a claim pack, in it it should have a heading "particulars of claim", thats the bit we need, also what is the issue date on it?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I have summary cause summons, details of claim, statement of claim particulars of arrestment, option toadmit or dispute, written noteof defence, defenders response to the summons,application for time to pay direction.

 

Thats all i have i'm really not very clued up on this - will the paper work still be the same in scotland ???

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On or about 22nd July 2005 the defender entered into a Hire Purchase Agreement ( hereinafter "the agreemant") with Nissan Finance (G.B.) Limited whereby she hired from the a Renault Clio 1.2 motor vehicle, registration number **** *** (herinafter "the vehicle").On or about 6 Febuary 2007 by special resolution, Nissan Finance (G.B.) Limited changed it name to RCI Financal Services Limited. The defender has defaulted on themonthly repayments required in terms of said agreement and a Default Notice was served on her by the pursuers in terms of section 87(1) of the Consumer Credit Act 1974 on or about 26th January 2008. In terms therof, the defender was required to make payment of arrears of £681.40 to the pursuers on or before 18th febuary 2008. She failed to and therby repudiated the contract. The pursuers accepted said repudiation. The pursuers have recovered possession og the vehicle which was sold for the sum £1,256. The sales proceeds have been applied in reducing the sum due to the Pursuers in terms of the agreement. The balance still due and resting owing by the defender is £3,284.08 which is the sum sued for.

 

The pursuers have repeatedly called upon the defender for payment of the sum due. She refuses or at least delays to do so. This action s accordingly necessary.

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Ah thats why im confused, your obviously in scotland where things are done differently, someone called rory will be on later, im sure he will help you with this.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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When do you need to respond by?

 

I think you definitely need to ask for a copy of the credit agreement. As you returned the goods I would also wish to see a valuation of the goods and know that they were sold at a fair market price.

 

Do you know if there are any charges on the account at all e.g. late payment charges, collection charges?

 

I think you need to send them something along the following lines via recorded delivery.

 

In the XXXX Sheriff Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

REQUEST FOR INFORMATION

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, I request you to provide me with the information and documents detailed below.

 

I request that the information should be furnished within fourteen days of the receipt of this letter. If you fail to comply, it may hamper proceedings and result in me filing an unnecessary defence or counter claim.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

c. True copies of any default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

d.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

h. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

i. Copies of statements for the entire duration of the credit agreement.

j. Copies of the valuation of the vehicle concerned.

 

3. Any other documents you seek to rely on in court.

 

 

I must advise you that if the information is not forthcoming, it may delay or frustrate the equitable resolution of this matter and result in unnecessary cost for both parties.

 

Yours sincerely,

 

XXXX (type, don't sign).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Their solicitors.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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do i have to send any cash to cover postage

No.

 

if or when they send this information to me am i looking for anything in particular

Well the first thing would be to check if the credit agreement is enforceable, then check if any sums have been added to the account and then check the sale price of the car.
should i get a solicitor to go to court with me
You don't need one for a summary cause action.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...

also this is the last paragraph of the letter from the solicitor.you must obviously do what you feel is in your best intrest and you are of course entitled to insist on any statutory rights which you may have.however,if,as seems likely you are going to have to rely to a significant degree of goodwill of our clients if you wish them to adopt a sympathetic approach to enforcing any decree.you wish to concider whether causing them the maximum inconvenience just for the sake of it is likely to encourage them to do so.....can this be seen as being threatening

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hi i recieved a copy of my cca it hasn,t been signed by the lender.ive looked about had a bit of conflicting information anyone have any facts ,is the cca unenforceable,had a look at oft website they say its unenforceable.....any help .....please...thanks

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It would be enforceable only by way of a court order. However, if the only thing wrong with it is that the creditor has not signed it then it is highly likely that a court order would be granted.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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