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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted.
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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      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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VCS in Sheffield citing CPS vs Stephen J Thomas will they take me to court?


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Hi all,

 

I received an invoice from VCS in ****** on the **** of October as a car that I am the registered keeper for was parked in one of their car parks without a permit.

 

I have followed advice found on this forum and have not accepted any responsibility, they have now sent me two actual written letters and state (abridged):

 

We acknowledge your statement that you are the registered keeper of the vehicle in question however you were not the driver on the **** of October 2008 when the contravention was committed.

 

In reference to your comments regarding the identity of the driver of the vehicle. whilst we appreciate any research you may have conducted on this matter, we must question the reliability of this information. There has been a distinct increase in motorists relying on information adverised on consumer advise [sic] forums. Such advise [sic] involves registered keepers attempting to avoid liability by denying they were the driver or purporting to not know who the driver was at the time the contravention was committed.

 

A precedent was recently set in the case of Combine Parking Solutions v. Mr Stephen J Thomas (2008), whereby the increased use of consumer advise forums and the various issues it raises was recognised. As well as criticising those using such internet forums as "disingenuous", District Judge Ackroyd ruled that the identity of the driver will be proved based on the balance of probabilities.

 

... As per the pre-action protocols you are called on to act in a manner which facilitates the successful resolution of a dispute or claim. In the event you act in a manner intended to stall or confuse the process this shall counter against your position during court proceedings.

 

We have enough evidence to warrant the pursuit of the debt with yourself. Should this matter proceed to the County Courts then you will be required to provide a statement of truth as to whether you were the driver or not. Providing false information in a court of law would be committing an act of perjury.

 

We maintain that as the registered keeper of vehicle XXXXXXX, it falls within your responsibility to be aware of who is in control of your vehicle at said time. Unfortunately, any assertions that you are unaware who the driver was cannot satisfy our request and runs contrary to the Pre-Action Protocols that you make reasonable enquiries to aid the other party in an action.

Now they wanted £120 (originally £80) by 26th Nov when they sent that, I didn't actually see the letter until recently, they sent another that asks for the money by January 6th or it 'could result in the issue of court proceedings', and included a photocopy of the letter quoted above.

 

Any advice will be greatly appreciated, I would genuinely have difficulty paying them as I'm a student and don't really have any money. I also don't want to go to court... perhaps I should offer them x amount a month or to settle at £80 or something. What happens if I lose in court and then don't pay anyway?

 

Thanks for any help

Edited by Mr Evans
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This is really quite amusing. What you have received is a template letter which has been circulated by an acquaintance of ours in PPC circles.

 

It's identical to ones we have already seen from such companies as Excel, and has been concocted to enable PPCs to stretch out the trail of bogroll they send a little bit longer before they give up and move on.

 

Do a search of this forum with some of the text from it and you will see it's come up before.

 

Absolutely nothing to worry about. In any case, VCS are never going to take you to court. Continue to ignore.

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Dear VCS

 

I note your use of a template letter, which is found on internet forums such as the Private Parking Companies Forum.

 

I must inform you that no precedent can be set in a Small Claims Case, and your assertion that this is the case constitutes a fraudulent misrepresentation of a material fact.

 

Should you be foolish enough to issue a court claim, I shall await a Judges appraisal of these statements - as well as your paperwork purporting to be of an official nature - with great earnest.

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Hi, Mr Evans. Sorry to sound suspicious but the wording of the letter you have put in your post hasn't been typed in by yourself, but has been lifted from elsewhere. May I ask why?

 

I did type it in myself. I used [ quote ] tags to show that it was quoted text...

 

That looks good Shovel... so you think I should fire another letter off to them or just completely ignore them now?

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I did type it in myself. I used [ quote ] tags to show that it was quoted text...

 

Ok,sorry. When a new poster comes here mentioning CPS (aka perky) I get suspicious. CPS often post here themselves pseudonymously to cause mischief.

As the others have said, ignore.

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removed sorry

Edited by labrat
decided previous advice was better

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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