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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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printing error on original credit card agreement


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Hi,

 

I am having a lot of financial problems at the moment and have been looking through this site. I got a letter from Capital one stating that the original credit card agreement had a printing error. When I phoned to ask what the error was in relation to they said that it was to do with the terms and interest rates.

They have given me an address to write to but wondered if I should go down the route of requesting the original CCA to find out if it is unenforceable or whether I should state that as there was an error on the original agreement that I feel that it is invalid and therefore any debts under the card should be written off.

Can anyone give mw some advice as I do not really know where to start.

 

Thanks

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When was the card taken out?

 

Cap One's credit agreements are usually a copy of the application form which contains none of the prescribed terms required in an enforceable credit agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Seems cap one are getting wind off the fact there cca's are mostly unenforceable and using this taktic to try and get around it.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Got home today and there is another letter from Cap1. This one says that they are making some changes to my credit card agreement which will become effective from 1st April 2009. The have enclosed 2 leaflets which they said that I will have to read and stated the paragraphs that I need to look at. When I look at the paragraphs all the interest rates state % p.a. (variable).

Can they do this??

Thanks

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Hi does anyone have anyone have any advice that they can give on my 2 replies above?

 

Much appreciated

 

Hi Pudsey, are you questioning whether they can increase APR or the fact it doesnt state a % rate just ??

 

If its just % then its a printing fault and you should let them know if they plan to increase the apr which I suspect then they need to advise you prior to this and that the leaflet supplied was incorrect therefore they cant change it for another month (to allow the 30days notice which I think is stated in their t&cs somewhere)

 

If its an actual number on the leaflet then yes they can provided they give you notice up your apr and unfortunately they can double, possibly treble it:cry: banks make up their own rules now:(

 

PmW

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Thanks. Can you please give some on advise on the fact that they have sent a letter saying that there was printing errors on the original agreement. Does this mean it would be invalid?

 

Thanks

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Thanks. Can you please give some on advise on the fact that they have sent a letter saying that there was printing errors on the original agreement. Does this mean it would be invalid?

 

Thanks

 

Fraid I've no idea... probably best if you could actually qualify whats different.. can you see the change they've made.. yes I know that means reading some real small rubbish print:cry:

 

Then people can judge how important the lapse was and whether it gives ground for anything in the future.. Because the card was taken out recently a lot of avenues for unenforceable docs have been closed by new regulations.

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Hi there,

 

My cicumstances are very simular I also recieved a letter from Cap1 and have noticed some discrepencies between my original CCA and the new one sent out last month with the cover letter stating "there was printing errors on the original CCA".

 

So far I have notices:

Min Monthly repayment info to be different (£5 on the original and now changed to £5.00 on the new one)

Right to cancel box is a lot bigger with more specific info on the new agreement comparred to a one liner saying "we will send you exact details of how and when you can cancel" on theold one.

 

Anyone know where I stand on this as I have nearly £5000 on my card and am really struggling to make the payments. Finally my card was taken out Sept 2008.

 

Really appreciate any input guys in advance!

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I have also received a "printing error" letter. In mine they are changing the original 0% interest free period from Nov 09 to May 09 - effectively cutting the period down by 6 months. I have all the original papework letter and agreement clearly stating Nov 09. In a telephone call last year they tried to tell me it was May not Nov - and I told them they were wrong.

 

Printing error or not, they made an agreement. The must be a hel f a lot of people affected by this underhand action.

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