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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. 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”  
    • 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.

      Frankly I don't think that is any accident.

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HELP DCA Taken money from my account!


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Barclaycard have passed my CC debt onto Credit Solutions.

 

I made a late payment to CSL a month or so ago, they told me as my payment was late I had broken my agreement with them and that my payment per month was now going up to £50 from £37 per month.

 

I told them I couldn't afford it and that I was on job Seekers Allowance, they said that was all they could do I made my last payment of £37 and then came on here to moan (I pay over the phone by card normally).

 

I CCA'd them and Barclaycard sent me a copy of my initial application form, no sign of a CCA.

 

I then waited to hear from them again as to be honest i couldn't afford to post a dispute letter at the time!

 

Well, I just checked my bank account and the **edit ** have taken £50 out of my account today!!!!!!

 

They are not meant to hold my card details, let alone take a payment without me being on the phone giving them my card details!

 

Is there anything I can do, this is theft surely?

 

I am now £4.52 overdrawn :(

Edited by citizenB
removed swear word :)

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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Get in touch with your bank and tell them that monies have been illegally taken by CSL using your card details. If you do not get a satisfactory answer from them contact the DCA in question and tell them in no uncertain terms that unless the monies are replaced (along with payment for bank charges incurred), you will report the matter to the police.

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No DD agreement with them, I simply used to ring up on the 25th of each month and pay using my Solo card (I used to read out all the details over the phone) and they would take the £37 from it.

 

I did not authorise the payment of £50 as I hadn't rung them to make the payment! They have stored my card details without permission and taken a payment without my permission!

 

I am so bloody angry, I am seething!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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My bank are saying it was done online using my signature??!!!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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We had the same problem with LTSB who used OHs EXPIRED debit card to pay a company connected with them. Once someone has your debit card details they can use them as they wish, even after it has expired as we found out.

 

Only way out is to report the card lost and get another one IMO.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Don't let the bank wriggle out of this Inca. They are responsible for safeguarding your money. If someone has taken money from your account which has left you overdrawn, the bank might well charge you for it. So get on to them now. They have allowed an illegal transaction. Give them HEL*L!!!:-x

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Jeez, you don't need this at 10pm on a bloomin' Monday night do you!

 

The bank (HSBC - nothing to do with my CC debt) have cancelled my old card and ordered me a new one.

 

They said the payment was put through online using MY SIGNATURE!!

 

They have raised a dispute with their fraud department and have said the money will be back in my account in 7 days.

 

What do you suggest I do now? This is theft, surely?? I can't believe they have done it to be completely honest, my gob is totally smacked!

 

I am about to SAR CSL/Barclaycard for a real copy of my CCA as they sent me utter crap, hence why I haven't made a payment. I think I will send them a dispute and then the SAR??

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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Oh my god i would be raging :-x surely the bank can do something as my ex once paid for something online and a month later the same company charged his debit card £68 he couldn't get through to them to see what the hell was going on so he phoned the bank and the bank took it quite seriously and i would think that would be the same with any sort of company! taking money without your autherisation!! How can someone just do that without your permission is shocking!!! It's like theft taking money from you debit card is like stealing money from your bank!! If the bank didn't listen over the phone i would right down to my branch first thing going crazy!!! Hope you get this sorted as it's just not on!!!

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In our situation LTSB told us that once you have given someone your debit card details they can use it as they wish and the bank can't stop it. Our big argument was that the account was frozen and if OH had tried to use the card it would have been rejected as the card had expired, but they paid one of their subsidiaries in that situation. Ongoing argument - they owe us 2k we owe them 1k;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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What a nightmare Goldlady.

 

I can't believe they were able to use an expired card in your case.

 

I just hope I do get my money back, £50 may not seem a huge amount, but as I have only got my JSA coming in it's a massive amount to me at the moment.

 

I am not too sure what to do about CSL though, how dare they just take it...and using my signature too!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I'm not sure how things work with Solo cards, but in general if you dispute a card holder not present transaction then your bank have to refund your money immediately and then contact the company that charged it. So you get your money back and then they investigate.

 

Not sure what they are talking about when they say it was done online with your signature, there is no such thing. The only equivalent of an online signature is if you use one of the verified systems but if you gave the card details over the phone that isn't the case here. I'd imagine they don't have your pin number, but even if they did it was still a card holder not present transaction.

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This was a criminal act, Inca. I think HSBC know it and you'll get your money back, but the crime was still committed.

Who exactly told you it was done online with your signature? Did you get the name of the person who told you this?

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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In our situation LTSB told us that once you have given someone your debit card details they can use it as they wish and the bank can't stop it. Our big argument was that the account was frozen and if OH had tried to use the card it would have been rejected as the card had expired, but they paid one of their subsidiaries in that situation. Ongoing argument - they owe us 2k we owe them 1k;)

 

That is just complete rubbish. If it were true if you used the card to purchase something over the internet the company could just keep charging whatever they wanted, which isn't the case.

 

All banks seem to play by their own rules when it comes to money being transferred internally. If you have a loan or credit card with them, when they take the monthly payment out they won't stop it if it leaves you overdrawn which they would if the money was going to anyone else.

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Thanks Blueboy, but try telling the bank that. In our case it was a payment to Greenflag who were linked to LTSB at the time, we had a letter saying our breakdown cover had expired and then when OH paid some money into his LTSB account under an arrangement to repay the overdraft at £100 a month they paid the lot to Greenflag and then defaulted OH for not sticking to the arrangement!!!!!!!!!! The battle goes on but we have made God knows how many complaints to LTSB and they are adamant they were in the right:mad:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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The Press Association: One in four victim of card fraud

One in four victim of card fraud

 

5 days ago

One in four Britons have been the victim of credit or debit card fraud, research has shown.

Around 26% of people have now had their card used fraudulently, up from 21% when the same research was carried out 12 months ago, according to life assistance group CPP.

On average, fraudulent transactions totalled around £650, but 6% of people reported losses of more than £2,000.

But despite the large sums of money involved, 42% of card fraud victims did not spot the rogue transactions themselves, and only found out about them when they were alerted by their bank.

Nearly four out of 10 victims had their card used online, while 21% had it cloned when using a cash machine or chip and Pin device, with others losing money after their card was lost or stolen.

London remained the country's credit and debit card fraud hot spot, with 38% of people living in the capital having been hit by the problem, a 10% jump on the number of people who had been affected last year.

It was closely followed by Cardiff at 34%, Manchester at 29% and Brighton at 27%, where there was a 15% jump in the proportion of people hit during the year.

Kerry D'Souza, card fraud expert at CPP, said: "The dramatic increase in card fraud shows no sign of abating which isn't surprising given the desperate measures some people will resort to during the recession.

"Fraudsters are becoming increasingly sophisticated, especially when it comes to online transactions which are a particular cause for concern.

"Cardholders need to remain vigilant with their cards and take the necessary steps to protect themselves - from checking statements more frequently to keeping sight of their card when paying for transactions. It might seem like simple steps but they will go a long way in preventing fraud."

 

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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That's terrible Sosumi...

 

I don't know what the answer is really.

 

Cash machines tend to be just as bad by the looks of them, so how exactly are we meant to pay for anything?!

 

I guess I could just go into my bank everytime I want money can't I. Seems a bit of an old fashioned way of doing things though.

 

With regard to tonight's episode I am going to complain to OFT about CSL and see what they say. I hope I don't have to wait too long for my cash, and in all honesty if I do have to pay this Barclaycard debt I really do not want to have to deal with CSL, but what can I do if that is who BC have refered it to?!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I would never give one of these companies my card details, full stop. They have rather selective hearing, and when you say they can take x amount, they will do, then x+y a few days later and so on, until your account is empty.

 

How can you prove you didn't authorise the transaction? They will say you gave them the details and said it was OK to take more than normal as you agreed to a higher amount. The bank wouldn't think much about it if you've paid them before.

 

This is yet another reason why nothing should be agreed in a phone call, always in writing. Make darned sure that card is not useable any more and, as they've failed to supply a valid CCA, write and tell them to get lost. They do not have an enforceable agreement so you do not have to pay them anything more.

 

Which is cheaper - sending a default letter like http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880 or letting them take money without even asking?

 

Hopefully, your bank will sort out a full refund and not charge you for the overdrawn amount.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Thanks Blueboy, but try telling the bank that. In our case it was a payment to Greenflag who were linked to LTSB at the time, we had a letter saying our breakdown cover had expired and then when OH paid some money into his LTSB account under an arrangement to repay the overdraft at £100 a month they paid the lot to Greenflag and then defaulted OH for not sticking to the arrangement!!!!!!!!!! The battle goes on but we have made God knows how many complaints to LTSB and they are adamant they were in the right:mad:

 

I've had a number of head banging arguments with my bank over that behaviour and never got anywhere. As I said, when the money is being transferred internally a different set of rules applies.

 

I did a quick check and it looks like charge back rules are different for Solo cards compared to credit cards, with them only being performed when fraud is involved. Whether or not this is fraud is open to debate, but they didn't have your permission and as it didn't involve the provision of goods I'd have thought it will go through ok.

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