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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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Muffintop v mbna


Muffintop
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I am at exactly the same point as you. 2 MBNA's CPR's ignored, SARs ignored. A few DCA's have come and gone now nothing. I too think we need to go to court at this point but am unsure how to go about it and truly scared!!

If they have ignored your SAR, you need to take this to the ICO. They can fine them if they don't comply.

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I had a sar back but it was incomplete, I need to know if it was an online application for not and they will not respond despite me quoting data protection and given them a bit more time, should i go to info commissioner?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Quote from Muffintop post No 443 above......"I need to ask a question and as its mbna and another card that has forced me into this position due to trashing my credit file i hope you will allow me to add it to my thread.

Due to mbna trashing my file i have had every other card which is enforceable due to the time it was taken out after 07.. withdraw all my credit, halifax inparticular dropped from 5k to nothing.

I had 3 bank accounts with heafty overdrafts and they all withdrew it and wanted it back straight away which i have now had to negotiate a drop monthly."

 

Hi Muffintop, I'm working my way through various threads learning as much as I can and picked this up from one of your posts. Could you possibly tell me how badly mbna had trashed your file at this point when other lenders pulled the carpet from under you. Was it just one or two missed payments or had mbna gone into default on your CRA. Just trying to get a handle on the sequence of events, losing your banking facilities like that must have been quite devastating.

Also this suggests that the lenders run checks periodically for them to be aware of your mbna stuff, does anyone know how often they do this or is it some kind of ongoing automated check. My concern is if I go into missing payments with say mbna does the rest of the house of cards come down as well?

Be grateful for any info you can provide, many thanks.

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i dont know whereto go with my mbna claim, iv done cpr requests nothing, im way down the line with it now prob got major bad credit file, mbna dont seem to register with experian they must use one of the others. I dont know how to give it a push again and i want to get all the default charges back but this would involve going to court i think?

 

I have a defaulted MBNA account on my Experian credit report. Maybe you got lucky and it has somehow disappeared from yours :)

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Quote from Muffintop post No 443 above......"I need to ask a question and as its mbna and another card that has forced me into this position due to trashing my credit file i hope you will allow me to add it to my thread.

Due to mbna trashing my file i have had every other card which is enforceable due to the time it was taken out after 07.. withdraw all my credit, halifax inparticular dropped from 5k to nothing.

I had 3 bank accounts with heafty overdrafts and they all withdrew it and wanted it back straight away which i have now had to negotiate a drop monthly."

 

Hi Muffintop, I'm working my way through various threads learning as much as I can and picked this up from one of your posts. Could you possibly tell me how badly mbna had trashed your file at this point when other lenders pulled the carpet from under you. Was it just one or two missed payments or had mbna gone into default on your CRA. Just trying to get a handle on the sequence of events, losing your banking facilities like that must have been quite devastating.

Also this suggests that the lenders run checks periodically for them to be aware of your mbna stuff, does anyone know how often they do this or is it some kind of ongoing automated check. My concern is if I go into missing payments with say mbna does the rest of the house of cards come down as well?

Be grateful for any info you can provide, many thanks.

hi wrung out sorri to take so long to get back 2u. i dont think mbna use experian i think they use another as i signed up with credit expert and it was only bcard that trashed my file. this was enough for other cards who prev let me 0% tart card to card to drop my credit limit like a stone and stop balance transfers, then the banks started to recall their overdrafts, this may have been coincidence from the banks but dont believe it was coincidence from the cards, this resulted in me having to go into a dmp... problem is i was living off credit and the cards were going to fall at some stage, worse though it has stopped me getting a house, new mortgage or even renting.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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can someone wiser than me, tell me if i have done a sar and had it back but its unclear if its an account opened online or on paper app which makes a huge difference to cca, how can i clarify this point as its stopping me moving forward, iv obviously tried writing and quoteing incomplete sar but nothing.... shall i go onto the cpr request.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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can someone wiser than me, tell me if i have done a sar and had it back but its unclear if its an account opened online or on paper app which makes a huge difference to cca, how can i clarify this point as its stopping me moving forward, iv obviously tried writing and quoteing incomplete sar but nothing.... shall i go onto the cpr request.

Hi Muffintop,

 

What have they supplied in the way of an agreement. If you can post on here, minus personal details, that would help.

 

If it was an online application, they should provide you with a screenshot of the tick box process.

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they did supply some sort of screen thing which is what made me think it was an online agreement, i will install photobucket and try to post it up, how can i get them to tell me if it was opened online, have tried the sar and writing but they wont respond. by the way checked my experian report today online and they have not put anything on my file yet despite me having two mbna agreements in dispute, although the latter has gone into a dmp to show i am making token payments should it go to court and a dj can see that i have accepted the debt but believe it to be unenforceable... the first not paid anything for around a year, cant work this out they must have slipped through the net.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi Muffintop:) I had the same problem with MBNA. I filed a complaint with ICO (online, quick and easy) and they were very helpful. They forced MBNA to finally produce the SAR. In mine, it clearly showed they had checked my Experian report and noted that I was paying other Creditors:eek:

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guys i have two threads this one which is my first mbna acc which was not an onliner, and im just waiting for them to take me to court... i dont think agreement enforceable... my 2nd one is

muffintop v mbna2.... I would really appreciate you following my thread if you woiuld sub to that one too as that is my online agreement and although has been going a while i have only just got info back from mbna via a sar that it was indeed an online agreement taken out on 26.9.2006,,, now I have included this mbna into a dmp which i have now been forced to take out as per my posts above but I dont know now whether i will be able tochallange it given that the electronic something act came in i think in 2004 and my tick in the box stands as a sig, the terms and conds are just printed off, I think zhanzibar has been and is in a similar position and asking for advice how to or if even should i continue to proceed with challenging it.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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hello muffintop

 

long time no catchup hope you are okay

 

im back now and got my serious head back on - lol

 

been absent past couple of months illness but back and positive

 

me too have to deal with an online mbna application and so will follow your thread and others you have mentioned with more attention

 

have a sunny day and take care laters angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel, and guys, hope you better sf.

 

Ok so im in turmoil now with what to do, as you know i chose the route as many of you did not to pay any payments until you got your cca... this seemed great at the time but has bitten me on the butt, on reflection I wish I had pursued my cca the same way but continued to pay token payments of some sort perhaps on a dmp.. why? because I would not have received any defaults on file. (actually not got any when i last looked but so dam close to one from mbna and bcard) also because when/if it went to court by them... i could show the judge that I had not reasonable and tried to show willing (at the end of the day the debt is just unenforceable not that it doesnt exist)

Instead all my creditors withdrew any credit including bank accounts and called it back in overnight,

MBNA wrote saying due to get the default, as Im going into dmp and i was told that MBNA had to be included I rang them to see if they would freeze interest, actually spoke to a woman who was very understanding... she did my income and expenditure and arranged a realistic figure with me to pay each month BUT THIS MEANT THAT ALL THE PAYMENTS THAT I HAVENT MADE SINCE LAST NOV AND LOOKING TO HAVE THE 6 YEAR CLOCK ROLLING WERE UNDONE. WHY because I had to made a payment albeit very small on both cards before they would agree to freeze the interest.. she also offered me a 6k reduction on the debt between the two cards.. I didnt take that option.

However now I have had to put them into my dmp, if I take it to court and it was found to be unenforceable then it would disappear of my dmp and my credit file but I cant take them to court as that appears to be too risky and I couldnt get after the event insurance myself as a layperson.

 

I am truly confused as to what to do now, had my sar, had no cpr returned and my only option now seems to take them to court as they wont take me as long as im making payments in a dmp... anyone can give me some advice?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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  • 3 weeks later...

Hi guys hope your all good. Bin off work with slip disc and job looking dodgy which i never thought would happen, hence not been on here much lately sorri. need some help pse. one of my cases in court on here, is asking for directions from dj or a witness statement from me? i have already given all the facts when i filed the case so dont understand why have to do it again... not sure what a witness statement looks like could someone help me out pse and i will give you my e mail add to send a template one too.

As far as MBNA goes, had to put them into a dmp,, for reasons above, this doesnt mean I am not proceeding but more to the case dont know how to proceed now, had everything apart from a cpr reply and dont know which way to go next, they have frozen all interest so they are unlikely i think to now take me to court as sf has had.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi Muffintop

 

Sorry to hear you've not been well. I dislocated my knee last year and that was painful enough so I sympathise fully!

 

I think the witness statement is just an elaboration of the defence where you go into all the nitty gritty of the argument. A 'beefing up' of the defence statement I think someone said!

 

From what I can see from advice on here there isn't really a template as it should be based on your own personal circumstances and you should understand fully what you are arguing if you're using case law etc. It's the next stage for us so I've been looking around the forum to see examples and layout etc. There's some good ones around - I'll see if I can link them to you tomorrow.

 

IFTL x

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  • 6 months later...

Hi again all,

Thought I would update. MBNA have not even bothered to chase me since I stopped paying their solicitors at least 14 months ago. I sent the usual stat request docs, no responses of any note yet!

Other claims - a DCA has stated things contradictory to that stated by the original creditor, guess what that's done to their credibility! I expect to have very good news for all soon, 2 cases are due to go to Court (after a very lengthy process!) but on one, their solicitors are now 'considering their position'. Can't give too much away currently as you can appreciate but it is along the lines in my previous threads! Will update more as soon as I can, dying to tell!

keep smiling,

T7

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