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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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      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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CG - vs First Direct


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FD have offered me £1276 in overdraught fees but they are saying that the returned direct debits are not part of the OFT ruling, should I accept of push for the additional £1000.

 

Thanks for any advice

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Can anyone advise me First Direct have refused to pay me the £2279 I say they owe me, they have offered my overdraught charges of £1276 but say the other charges for returned DD and Cheques is not part of the original OFT ruling. SHould I accept or pursue them. The next step is court I guess but am concerned with these cases being thrown out of County Court.

 

Any advice appreciated

 

Thank you

 

Chris

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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In my opinion you should hang on in there for all of it, but I am only filing my first claim at the moment, so please don't take my word for it.

 

Seems to me, they are probably a little worried and think by offering you quite a large sum, rather than a small sum, or disredaring you requests you are more likely to accepy - hence saving the 1k. It's all a game to them to see how mcu they can save, unfortunately, it's not a game for us, it is our money they have taken!!

 

In my opinion, hand in there for full payment - do you think the returned d/d's and cheques cost them that much? probably not! BUt at the end of the day, it's up to you.

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Can anyone advise me First Direct have refused to pay me the £2279 I say they owe me, they have offered my overdraught charges of £1276 but say the other charges for returned DD and Cheques is not part of the original OFT ruling. SHould I accept or pursue them. The next step is court I guess but am concerned with these cases being thrown out of County Court.

 

Any advice appreciated

 

Thank you

 

Chris

 

Of course they are. It's just another attempt by the money lenders to confuse the consumer. Tell them that in view of their comments you will sending a copy of their letter to the OFT & asking them to confirm First Direct statement. In the meantime commence your proceedings

 

They aren't being thrown out of court some have been stayed. The Elliot v Lloyds case which I supect is the matter you refer to has been settled in full by Lloyds to the claimants benefit. Those that had been stayed can now go ahead.

 

I must say I'm very surprised that you are on the site & don't already know this. Go to search & type in elliot

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Hi Chris, welcome to the forums.

 

OFTEL has nothing to do with it.

All these charges are punitive charges and therefore unlawful under common law and statute and can all be reclaimed.

 

I presume you have all your statements? If not then send a Data Protection Act SARS letter enclosing the £10 maximum fee.

List all the charges you wish to reclaim...... the best way is to enter them all into a spreadsheet.

Next send the preliminary letter requesting repayment of the charges, enclosing a copy of the spreadsheet as your "schedule of charges".

After 14 days send the "letter before action"

If after a further 14 days, you have not received a favourable response then fill in the Moneyclaim on-line to start proceedings against the bank.

 

All these letters and the spreadsheet template are available in the Bank Templates Library. They are all well-tried and tested.

 

Most important !

Read the FAQs and library sections thoroughly. These will answer most of your questions.

Start your own thread in the appropriate bank forum and post any questions you may have in your own thread. The answers will not be far away.

 

It is most important that you understand what you are doing if you want to succeed in your claim.

Remember, you are taking on a large financial organisation with unlimited funds and a legal department that doesn't want to play ball with you.

If you follow the procedures that have been proven to work then you WILL SUCCEED.

If you don't follow them, then you will only have yourself to blame if things don't work out.

 

Knowledge is power !

Read the FAQs

Good luck with your claim.:)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Sorry about that, I was dealing with a phone problem, earlier.....

 

Call it a "Senior Moment".

 

:D :D :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Follow link for more information.

 

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'I guess but am concerned with these cases being thrown out of County Court.'

 

As far as im aware no cases have been thrown out of the country court. Were you meaning the two cases that got 'stayed' (put on hold) by the county court whilst a test-case was being prepared in a higher court? (dropped of course by the banks and settled) If so dont worry its all been sorted out now.

 

 

hth

Successfully claimed £620 from MBNA

Successfully claimed £350 from Natwest

Assisted other half to claim £820 from Barclays

Helped a friend claim back approx £250 from Halifax.

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Thank you for all the support and suggestions. I am working my way throught the FAQ and will start my proceedings as I have satisfied the requirements of the second letter and schedule of charges

 

Thanks again will keep posted

 

Chris

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Yes, the charges for returned direct debits are also unlawful charges as they are considerably higher than what it costs the banks.

 

I would write back saying that you accept the offer of £1276 as a partial settlement, but unless you receive a satisfactory offer for the rest of your claim then you will seek to recover it through the county court. Give them a further 7 days to consider their position if the LBA time is up. Do not enter your claim until either the money is in your account or they withdraw the offer (a lot of banks insist that it is in full and final settlement only).

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BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Received a very rude letter from FD following my "Letter Before Action", they have offered my £1276 as full and final settlement for charges of £2687.50. Have issued my claim with money claim on line, which was really easy and will wait and see. If they settle in full the total with interest and court fees will be £3550.57. I just do not understand why they do not settle before the court summons????

 

Two questions:

Has anyone who has been successful against FD found them difficult in dealing with or had to move banks after winning?

 

RBS and Capital one have refunded £8 per charge taking the charges to £12 saying that the OFT says the £12 was fair. RBS have used the fact that they made 40 phone calls as evidence of "manual intervention to my account" should I still try and claim the rest back??

 

Thanks to all who have provided support

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Money claim on line accepted and issued claim against FD 24/7/06:D

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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  • 2 weeks later...

First direct have today acknowledge claim, they have 3 weeks to respond now

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Well received the letter from DG solicitors today asking if I fancied about half my claim and would be willing to kindly keep my mouth shout!! I don't thinks so am going to search for a little template letter to say now that you have ahd ou r chance you owe me my entire claim. !!

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Letter sent to DG accepting offer as partial payment but intending to pursue my claim unless settled in full. If the other posts are anything to go by then next week ££££ to me

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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received letter today from DG offering me the full amount with no conditions, I have signed and sent back by post so hopefully not too long now.

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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3 threads merged - Please stick to this thread for further updates on your claim

..

.

 

Opinions given herein are made informally by myself 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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I'm a little bit worried that i flat refused the 'half' offer i received from FD this week, rather than accepting it but then saying I'd be pursuing the rest too! Does this matter?

 

I hadn't had to ask for info from them, so my offer was the first contact I had from FD, Mr Kernaghan, offering me 2/3rds of my claim & very promptly too, well within the 14 days.

 

Also should i start my own thread? I'm kind of partially involved in 2 that i didn't start! I found the MSE & CAG sites confusing as to overlaps.

 

Thanks guys.

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  • 2 weeks later...

Settled in full survey and donation shortly

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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