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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • 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”  
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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This is pt2537's guide to Witness statements.. HTH

 

 

Guidance Notes on Witness Statements

http://www.consumeractiongroup.co.uk/forum/show-post/post-2167282.html

 

The general rule is that any fact which needs to be proved by the evidence of witnesses is to be proved at trial by their oral evidence given in public and, at any other hearing, by their evidence in writing.

CPR r.32 and CPR PD 32 set out the formal requirements for written evidence, including witness statements. These are summarised below.

Format of the witness statement

The top right hand corner of the first page should contain:

The party on whose behalf the statement is made;

The initials and surname of the witness;

The number of the statement in relation to that witness, e.g. 1st, 2nd, etc.

The identifying initials and number of each exhibit referred to in the statement. For example, if it is the witness’s first statement and it refers to three exhibits, these should be referred to as “ABC1” to “ABC3”. In a subsequent witness statement in the same proceedings, further exhibits would start at “ABC4”;

The date the statement was made.

The witness statement should be headed with the title of the proceedings.

The witness statement should:

Be produced on good quality A4 paper with a 3.5cm margin;

Be fully legible and should normally be typed on one side of the paper only;

Be bound securely in a manner which would not hamper filing;

Have consecutively numbered pages;

Be divided into numbered paragraphs;

Have all numbers, including dates, expressed in figures; and

Give the reference to any document or documents mentioned either in the margin or in bold text in the body of the statement, for example [at page14 “ABC1”]

It is usually convenient for a witness statement to follow the chronological sequence of the events or matters dealt with. Each paragraph of a witness statement should as far as possible be confined to a distinct portion of the subject.

Content of the witness statement

The witness statement must, if practicable, be in the witness’s own words and should be expressed in the first person;

The first paragraph generally sets out the “who, what and why” of the statement maker:

o Who the witness is – name, residential address (or business address if he is making the statement in a business or professional capacity, together with the position held and the name of his firm or employer)

o What the witness’s connection with the proceedings is

o Why the witness is making the statement;

Witness statements should deal with facts known to the witness. To demonstrate that this is the case, words such as: “Save where I indicate to the contrary, the matters set out in this witness statement are known to me personally.” Where a fact is not within the direct knowledge of the witness, it can be included but should be preceded by, for example “I am informed by [ ] and believe that ...”.It is important to state the source of any matters or information or belief;

Witness statements in support of or in opposition to an interim application should contain only facts relevant to that application;

Witness statements of lay witnesses should not contain legal argument. If it is necessary to refer to the legal position, a phrase such as “I am informed by my solicitor and believe that ...” maybe used;

Witness statements must contain a statement that the witness believes the facts in it are true;

Witness statements should be signed and dated.

Please see outline precedent witness statement below.

Exhibits

Documents referred to in a witness statement should be produced to and verified by the witness and remain separate from the witness statement.

Copies of individual letters should be collected together and exhibited in a bundle or bundles. They should be arranged in chronological order with the earliest at the top.

Each exhibit should have a front page attached identifying its exhibit number and details of the statement to which it is exhibited.

The top right hand corner of the exhibit sheet should contain:

The party on whose behalf the statement is made;

The initials and surname of the witness;

The number of the statement in relation to that witness, e.g. 1st, 2nd, etc.

The identifying initials and number of each exhibit referred to in the statement. For example, if it is the witness’s first statement and it refers to three exhibits, these should be referred to as “ABC1” to “ABC3”. In a subsequent witness statement in the same proceedings, further exhibits would start at “ABC4”;

The date the statement was made.

The exhibit sheet should be headed with the title of the proceedings. A centre-heading should state the exhibit number.

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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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Can someone have a look at this and let me know if its ok, it has to be with the court this Friday

Any advice greatly received.

Cheers

WITNESS STATEMENT OF xxxxxxxxx

  • The facts and matters referred to in this witness statement are within my own knowledge, except where I have indicated otherwise. Where the facts are within my knowledge, they are true. Where they are not within my own knowledge, they are true to the best of my information and belief. I have stated the source of my information or belief.

Timeline of Events

On xxxxxx.2008 I received the Claim Form in this case issued by xxxxxxx and Collections out of the Northampton County Court.

On the xxxxxxxxxxxx 2008 I made a request for documents (from HL Legal) under the CPR 31,14, (Exhibit A) the documents I requested were as follows,

The Agreement

To date I have not received a copy of the agreement which meets the requirements (PRESCRIBED TERMS FOR THE PURPOSES OF SECTIONS 61(1)(0) AND 127(3) OF THE CONSUMER CREDIT ACT 1974 Taken from sced.6(1983/1553) regulations) as the document sent to me is clearly a application form, and has none of the prescribed terms required which are,

Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

The Notice of Assignment

This was received in June 2008

The Default Notice

In addition to the alleged credit agreement being irredeemably flawed, it is submitted that the claimant failed to issue a default notice served under s87 (1) Consumer credit act 1974 and so failed to comply with the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561).Therefore I am unable to check the validity of the Default Notice.

On the 6th of December I requested from Capquest Debt Recovery (Exhibit B) a copy of the Credit Agreement. To date I have had no response to this request.

I therefore believe that the claimant is still in default of my CPR 31.14 request the response has been insufficient, absent Default Notice and an Application Form leading me to request that the claim be struck out.

I believe that the facts stated in this witness statement are true.

 

Signed ________________________

Dated ________________________

 

 

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Hi dave

 

I understood you had legal Representation in this matter.Lots of pming going on I recall.

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Can someone have a look at this and let me know if its ok, it has to be with the court this Friday

 

Any advice greatly received.

 

Cheers

 

 

WITNESS STATEMENT OF xxxxxxxxx

 

 

I, Nottsdave of 123 Dunroamin, Staying Put, Wherever, am the defendant in this case

The matters referred to in this witness statement are within my own knowledge, except where I have indicated otherwise. Where any matters contained in this witness statement are not within my own knowledge, I have stated the source of my information.

 

  • The facts and matters referred to in this witness statement are within my own knowledge, except where I have indicated otherwise. Where the facts are within my knowledge, they are true. Where they are not within my own knowledge, they are true to the best of my information and belief. I have stated the source of my information or belief. (You might want to replace this with the section in red above, you are signing the statement of truth at the bottom)

Timeline of Events

On xxxxxx.2008 I received the Claim Form in this case issued by xxxxxxx and Collections out of the Northampton County Court.

 

On the xxxxxxxxxxxx 2008 I made a request for documents (from HL Legal) under the CPR 31,14, (Exhibit A) the documents I requested were as follows,

 

The Agreement

 

To date I have not received a copy of the agreement which meets the requirements (PRESCRIBED TERMS FOR THE PURPOSES OF SECTIONS 61(1)(0) AND 127(3) OF THE CONSUMER CREDIT ACT 1974 Taken from sced.6(1983/1553) regulations) as the document sent to me is clearly a application form, and has none of the prescribed terms required which are,

 

Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

 

Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

 

The Notice of Assignment

This was received in June 2008

 

The Default Notice

In addition to the alleged credit agreement being irredeemably flawed, it is submitted that the claimant failed to issue a default notice served under s87 (1) Consumer credit act 1974 and so failed to comply with the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561). Therefore I am unable to check the validity of the Default Notice.

 

 

On the 6th of December [ WHICH YEAR ] I requested from Capquest Debt Recovery (Exhibit B) a copy of the Credit Agreement. To date I have received no response to this request.

 

 

I therefore believe that the claimant is still in default of my CPR 31.14 request the response has been insufficient, absent Default Notice and an Application Form leading me to request that the claim be struck out.

 

 

 

I believe that the facts stated in this witness statement are true.

 

 

 

Signed ________________________

 

 

Dated ________________________

 

 

 

 

Dont forget that you will need to put the name of the court, claim number and disputing parties at the top of the Witness statement. If it goes on to more than one page, you should number the pages at the bottom (centered)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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  • 2 weeks later...

It has been a very long time since I posted on this forum.

 

The last few months have been very bad indeed. The situation is still very bad.

 

There is, however, a greater fight to be won, and I never doubted I would one day be back.

 

Many thanks to everyone who sent messages of goodwill, including the silent ones I will never get to hear.

 

One person even sent me an email of goodwill. Thank you so very much for that, it has been a great help to me. I won't name you, but you know who you are.

 

I have a lot of reading and catching up to do before I can hope to give any advice to anyone. The absolute last thing I want to do is give dangerous and erroneous advice based on what was true in the past, but is not true now.

 

The important consideration for now is, I am back.

 

SH

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Welcome back SH have missed you:)

 

Well you couldn't have hit me, I wasn't here :D

 

Thanks for the messages, everybody. Sorry for hi-jacking your thread, Notts.

 

Time to get back on topic and see if we can help Notts. I'll have a read through and see what has been happening.

 

SH

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  • 2 weeks later...

This thread is unbelievable.

 

Notts, you seem to be born under the unluckiest star in the entire constellation. If you'd been one of Dolly Parton's triplets you'd be the one being bottle-fed.

 

What on Earth can be done about judges who blatantly either don't know their job, or just don't care? EX343 is no good, and the Office For Judicial Complaints won't get involved either. They only deal with "insulting, racist or sexist comments". Well, personally, I'd sooner be called any name you could possibly dream up than have to face a judge who was a gibbering incompetent spilling his rusks and milk on the desk.

 

Every other working person in the country has to display some degree of competence if they are to keep their job. Why don't judges?

 

Can they really just carry on for ever wasting oxygen and public money even though their knowledge of the law is virtual zero? Or, is there ANOTHER explanation as to why they always side with money irrespective of right or wrong, and irrespective of the High Court case law which is supposed to be binding upon them?

 

Simple question. If High Court law is binding, and they blatantly ignore it, why the hell don't they get the SACK??

 

I'm sure we'd love to know.

 

SH

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Well I arrived at court in plenty of time got myself prepared.

 

The claimants representative sought me out and asked if I would like a chat before we went in.......I said no thanks I figured they might want to play mind games.

 

So in we go,

 

The DJ welcomes us and asks the other side to lay out the claim which they did.

 

The DJ then ask me what my defence is to which I begin to explain that the Credit Agreement supplied is not enforceable etc etc and that its a application form no prescribed terms ect...... The DJ states that it is a agreement and those things I mentioned (prescribed terms) are not required for a credit card agreement :eek:

I then quoted from the CCA that these things are indeed a requirement to which he stated that if I was to quote law then I should seek representation from a professional, and that reading misleading information on the internet would not get me anywhere:confused:.

 

The DJ the asked why the claimant had been late in supplying the required info and they came up with some load of rubbish (by this time Im confused and very p**ed off:evil:).

 

And then the DJ turns to me and suggest that I get some help (he mentioned CAB) I said I would like that opportunity so he then adjourned and told me I had to submit my statement of evidence by the end of July.

 

And that was that, on leaving the court the claimants representative asked if I would like to talk about a settlement to which I responded No thanks...............................

 

 

A very very p**ed off Nottsdave

 

No, but he has come up against a judge with a blatant disregard for the law he is paid to uphold. Anyone else in any other area of life showing this degree of incompetence, whether blue-collar worker or white, would be dismissed.

 

SH

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Hi All,

 

My case is due in early Oct, Im hoping I dont get the same DJ.

 

If I lose I will appeal without doubt.

 

Nothing more to say at this point other than Im totally bemused by the whole legal system.

 

Notts

 

ps Scabhunter love the Dolly Parton quip.........

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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