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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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West V Halifax ***SETTLED IN FULL***


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signature for the batch (37 letters lol)

 

I wonder whats happening there - LOLROF

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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hmmm I wonder !!!! :grin: made me chuckle!!!

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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I am sure it did

 

Wonder if most was from this Site members

 

They only have themselves to blame, unlawfully keeping OUR money

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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THREE threads merged. Please stick to one thread!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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  • 2 weeks later...

I do not know what Halifax are up to but I sent my LBA on 11th August by next day signed for which they have definately received as I have checked on the royal mail website(the date they received was 15th August) so as per my timetable they have until friday to respond, eveyone else on here always seems to have heard from them way before now, I wouldn't mind but they didn't respond to my prelim letter either.... I know they still have a further two days to go but I was wondering if this has happened to anybody else on here or is it just me??:confused:

If they do not respond at all what do I do from there??

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You have proof that you have sent the letters, right?

 

 

If you dont hear anything at all, just proceed to the next step, issue the Court claim :D

Lets get started!

 

Halifax Current acount

 

23/08/2006 - Data Protection Act Request letter sent

15/09/2006 - Prelim letter sent - Claiming £843

28/09/2006 - Telephone offer of £500 :rolleyes: - declined

29/09/2006 - LBA sent

08/11/2006 - Courtclaim filed

 

 

Halifax VISA account

 

23/08/2006 - Data Protection Act Request letter sent

29/09/2006 - Prelim letter sent - Claiming £99

08/11/2006 - LBA sent

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Yes I have bothe the receipts, a recorded delivery for the prelim letter and a next day signed one for the LBA letter, do you think it's a bit strange though that I have not had a reply to either, they definately have the right address for me as when I requested statements they did send me a letter to say they were dealing with that one.

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Im sure they are receiving your letters just fine - sooner or later they will have to acknowledge you - if they cant be bothered in the meantime, well I think thats just them playing games with you. They will respond when the Court claim comes through....and if they dont, all the better, you win by default :D

Lets get started!

 

Halifax Current acount

 

23/08/2006 - Data Protection Act Request letter sent

15/09/2006 - Prelim letter sent - Claiming £843

28/09/2006 - Telephone offer of £500 :rolleyes: - declined

29/09/2006 - LBA sent

08/11/2006 - Courtclaim filed

 

 

Halifax VISA account

 

23/08/2006 - Data Protection Act Request letter sent

29/09/2006 - Prelim letter sent - Claiming £99

08/11/2006 - LBA sent

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whenever the 14 days is up - run your claim to YOUR time schedule, not theirs. Have they given you a days grace when you screw up, or do they charge you as soon as they can? Its simply treating them as they treat you :)

Lets get started!

 

Halifax Current acount

 

23/08/2006 - Data Protection Act Request letter sent

15/09/2006 - Prelim letter sent - Claiming £843

28/09/2006 - Telephone offer of £500 :rolleyes: - declined

29/09/2006 - LBA sent

08/11/2006 - Courtclaim filed

 

 

Halifax VISA account

 

23/08/2006 - Data Protection Act Request letter sent

29/09/2006 - Prelim letter sent - Claiming £99

08/11/2006 - LBA sent

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Well not a thing heard from Halifax throughout this claim, today is 14 days since I sent my LBA, Soooo..... I am just about to start my claim through moneyclaim, I am nearly there but I am having a couple of problems that I am not sure of and wondered if anyone can point me in the right direction. Firstly this is what I have put in particulars of claim, is this ok? As I have seen lots of different bits to put in there

I contend that: The charges debited to my

bank account are punitive in nature; are

not a genuine pre-estimate of cost incurred

due to any breaches of contract; exceed any

alleged actual loss to the Defendant and

are not intended to represent or related to

any alleged actual loss, but instead unduly

enrich the Defendant which exercises the

contractual term in respect of such charges

with a view to profit. The contractual

provision that permits the Defendant to

levy such charges is unenforceable by

virtue of the Unfair Contract Terms in

Consumer Contracts Regulations (1999), the

Unfair Contract Terms Act 1977 and the

common law. Accordingly I claim: The return

of the amounts debited in respect of

charges in the sum of £3,528.00; & Court

costs;The claimant claims interest under

section 69 of the County Courts Act 1984 at

the rate of 8% a year from 30/09/2000 to

25/08/2006 of £ 419.60 and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of {enter

the daily rate of interest}.

 

The second thing is I am not sure what to put in the daily interest bit??

 

And finally in the bit where is says amount claimed do I put the amount of my charges + interest and can I put the £10 here that they charged me for my statements or are people not bothering with that bit.

 

Sorry for so many questions but I have been looking around trying to figure it all out and I am more or less there but didn't want to submit it before I checked these few things.

 

Thanks

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POC seems fine.

 

The second thing is I am not sure what to put in the daily interest bit?? Daily rate is Charges claimed X 0.00022 ie £3528 X 0.00022=£0.78p

 

And finally in the bit where is says amount claimed do I put the amount of my charges + interest and can I put the £10 here that they charged me for my statements or are people not bothering with that bit. Yes

 

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The claimant claims interest under

section 69 of the County Courts Act 1984 at

the rate of 8% a year from 30/09/2000 to

25/08/2006 of £ 419.60 and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of £0.78p

 

No just the amount.

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Hiya sorry just another quick question, now that I have filled my claim do I need to send any of my schedule of charges to moneyclaim or anybody else?? Or do I just keep them for my info, I did send a copy to Halifax with my prelim letter but it has changed slightly since then as I have had a few more charges over the last couple of months that I didn't put on the original one?

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As I said above I filed my claim online last night, I have a slight problem though, I done up my schedule of charges up to august 10th as that is the date the last charge came out of my account. But I have just realised that I didn't add on the amounts that I have had letters about that they will be deducting from my account at the end of august & September, I missed these off as they havn't actually come out of my account yet so it didn't register I can claim for these aswell. I would have just left them but over the two months they add up to £440.00 Is it too late as I have filed my claim, although the status is still at requested, it hasn't been issued yet?

 

I would really appreciate some advice on this one!

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You cannot issue a claim for amounts which have not yet been debited. You can only claim for actual losses. To claim in advance takes you into an area called - anticipatory breach and this is not suitable for what you are doing.

 

Your schedule of charges must reflect the value of your claim. Any further charges must be claimed separately and any charges ommitted must either be claimed separately or by amending your existing claim or by negoiation at the time of settlement of this calim - in that when they make their offer, you warn them about a future action and suggest that they might find it in their interest to sort it all out now.

 

However, you cannot refuse to withdraw the claim once they have offered you unconditionally 100% of what you have claimed for.

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Hiya my claim through moneyclaim was issued today, I have been trying to read through different things to see what I do next, I am a bit confused, I think I wait 14 days???? is that right to see if they ignore my claim or acknowledge it???? What about after that???

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Can I just ask, on the overview page of my claim with moneyclaim, now that under claim it states Issued, it has now got Start in the box under judgement, do I need to do anything with this or is that for use at a later date if Halifax dont respond etc.....

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