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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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    • 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.
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      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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Mortgages plc


borolad63
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Interesting question. I am bumping your thread in the hope that someone with the answer will pop in. xx

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From what i have read many times on the forum "They do have to have the original agreement," this is what I have learned and so believe,

However if anyone out there can tell me different then please do, as at this point in time these are the facts I've gleaned from cag. so would really appreciate knowing weather I'm correct or not.

Thanks guys.

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They only have to supply the original if you requested it before the hearing. You need to do this under Civil Procedure Rules 32.19:-

 

Notice to admit or produce documents 32.19 (1) A party shall be deemed to admit the authenticity of a document disclosed to him under Part 31 (disclosure and inspection of documents) unless he serves notice that he wishes the document to be proved at trial.

(2) A notice to prove a document must be served –

(a) by the latest date for serving witness statements; or

(b) within 7 days of disclosure of the document, whichever is later.

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They only have to supply the original if you requested it before the hearing. You need to do this under Civil Procedure Rules 32.19:-

 

Notice to admit or produce documents 32.19 (1) A party shall be deemed to admit the authenticity of a document disclosed to him under Part 31 (disclosure and inspection of documents) unless he serves notice that he wishes the document to be proved at trial.

(2) A notice to prove a document must be served –

(a) by the latest date for serving witness statements; or

(b) within 7 days of disclosure of the document, whichever is later.

 

Ok thanks, so note to self would be ask for this (original docs.) under CPR. Meaning when you did a CPR in the event of defending court action, is that correct.

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When defending a court action your first request to them is under part 18 to disclose information. In your CPR Part 18 letter you are only supposed to refer to Part 18 issues but I guess there's no harm in doing it at the same time.

 

The Part 32 notice you would send after they have responded to your part 18 request and sent you copies of the documents. If any of the copies look a bit dodgy then you can serve the part 32 notice as long as you do it within the prescribed timescale given

 

Regards

 

nicklea

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Thanks Nicklea,

Well explained, I can see i suppose where I have read that original docs need to be shown in court that this has come about after people have asked under part 18 and/or part 32.

thanks OP please have your post back didn't mean to hijack it.

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  • 9 months later...

Can someone advise please. I fell into arrears with my mortgage due to be being unable to work (I am self employed) due to a bad back.

 

I am now on pension credit and the pension credit pay some of my interest.

 

I was in court with my mortgage and a suspened order was put in place and to review in six months.

After paying my mortgage plus £50 for the six months, mortgage plc did not turn up for the hearing and neither did I (I was ill at the time unfortunately)

 

In the six month period of paying my mortgage I was contacted by my local hospital to go and have a operation on my back.

(I had a slipped disc on one side and a trapped nerve on the other side painfull believe me!)

 

At the moment I am really struggling to pay this March's mortgage.

What I need is some form of letter to send mortgage plc explaining the situation that once my back is ok (maybe a few months)

I can go back to work and earn decent money to pay off the arrears and mortgage payments.

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Hi there, I have affixed a letter for you to send to them. Make sure you have the correct address and department to send it to, even if you have to ring up first and ask.

 

Send the letter by recorded delivery and keep a copy for yourself. Also keep the receipt for posting and check on the royalmail website in a few days to print off the signature receipt. Keep all together safe until you get a reply from them.

 

Ell-enn

Borolad63 Letter.doc

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Hi Ell-enn

 

Sorry to be a pest.

 

When writing your drafted letter to Mortgages plc, it states on second paragraph that I am about to go into hospital for surgery whereas I have already been into hospital and I am currently recoverying from the operation. The operation was in October and I have a letter from my doctor stating the complexaties of the operation

 

What is the best thing to write

 

Thanking you for your patience

 

Borolad63

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Hi there, I have amended your letter (affixed). You should send a photocopy of the letter from your doctor (I have referred to it in the letter).

 

 

Ell-enn

Borolad63 letter version 2.doc

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 2 weeks later...

Hi Ell-enn

 

Received today a reply from Mortgages PLC stating that payments have not been maintained and arrears are £5685.46. I sent a cheque for £100 with your letter.

They are asking for Income and Expenditure form to understand my position which will also assist them when consideration potential payment arrangements. Fees and additional interest will continue.

 

How best to fill this form?

I am currently on pension credit of £65pw and have all the usual outlays. Food £40pw, gas 10pw, electricity 10pw, petrol 10pw swift loan 185pm etc

By rule of thumb do I minimise my outgoings or not.

 

Many thanks

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I think you need to fill it in to show your true position otherwise they will expect you to make payments you can't afford. Have you written to Swift to ask for reduced payments?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi Thanks for your reply.

 

will fill in the form for Mortgages plc

 

with regards to Swift

 

I was granted a suspended order from the courts four months ago with the view to start payments in February 2009. I made my first full payment last month for the full amount plus £50 but will Swift look at reduced payments so soon after?

Swift are charging me costs every month even when action was suspended.

 

borolad63

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Hi Ell-enn

 

Sorry to be a pest again.

 

Not sure if this question is in your field of expertise but do not know where to go on CAG.

 

My father passed away about six months ago, was in residental care at the time. He had a Yorkshire Bank account now closed and a Yorkshire Bank Credit card with an outstanding balance to which I am personnaly paying off the min amount every month.

 

What is the legal standing of this account?

 

many thanks

 

Borolad63

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  • 3 weeks later...

Hi Ell-enn

 

Here is an update. I sent a copy of your letter to Mortgages PLC and still awaiting an answer from them. I also sent a copy of your letter to Swift and back came Swift's letter stating that they will accept half payments for two months and I need to pay £83.86 for April and May.

June's payment will be £167.72 plus extra to go against the arrears.

 

Your thoughts

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Hi

 

Have received reply from Mortgages PLC stating that they have not received any payments (nor it seems my letter that Ell-enn formated for me) and because I have not contacted them they have arranged for a debt counsellor to visit me at a cost of £86.25 to be added to my account. He turned up last night whilst I was having my tea and rearranged the meeting for next Tuesday at 2pm.

 

Mortgages PLC seem to be totally ignorning my letter I sent them.

what do I do next?

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  • 11 months later...

I have done i&e forms before whereas I was looking to stay in my property and always had what appears to be spare cash so I could pay my mortgage plus arrears.

What I now need is how to complete a i&e form whilst looking for interest payment only instead of full monthly payment plus £50 arrears.

I think it would have to show a shortfall in income against expenditure (being the same as always).

The loan concerned is with Swift Advances

My mortgage is with Mortgages PLC who have accepted interest only payments via a solicitors letter (whilst I was on legal aid but now I am not able to get legal aid).

I tried CAB but Swift are saying I have to fill in a&e form before they will look at interest.

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Hi All!

 

Borolad63,in reply to your post:

 

Double check your terms and conditions with list of services and applicable fees from your lender(which should have been given to you at the start of the mortgage) as you should be able to change from type of product to the other upon payment of the required fee which should not exceed around the 200 quid mark.

 

In this case,there should be no requirement for any Income & Expenditure paperwork.

 

I hope this helps.

 

If you have any questions,please just ask.

 

Keep us posted.

 

All the best!

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  • 1 year later...

Hi

 

what happens when you hand over the house keys to the mortgage company who are the 1st charge

who presumerably will have the house auctioned off with a shortfall in the auction price and the the outstanding mortgage and any other charge on your house

ie 2nd charge or even 3rd charge.

 

I know that all the money raised by the auction sale will firstly go the 1st charge (mortgage company)

and if shortfall then what?Will I be chased by the 2nd charge and how?.

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