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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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CCA Advice -NO Reply from MBNA?


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Hi all,

New to the forum but was wondering if people can clarify where i stand ATM.

 

12+2days have passed since requesting the CCA from MBNA (virgin CC) i have had no reponce at all. I can see from others that MBNA seem to take a long time in replying, usually just over their given time frame.

In my initial letter i requested the CCA under S.78.

 

is it worth waiting another week or should i send them a reminder letter on Monday?

is there a template for this?

Also i have a payment with them due on wednesday. Should i pay it?

 

Thanks in advance guys...

Have a good weekend .....:)

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You can send them this letter and make no further payments to them:

 

Dear Sir/Madam

 

I DO NOT ACKNOWLEDGE ANY DEBT

 

ACCOUNT IN DISPUTE

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

 

You have failed to comply with my request, and as such the account is now in default as of **DATE**.(12+2 days after you sent the CCA request)

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore;

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. This limit has expired

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)(a) He is not entitled , while the default continues, to enforce the agreement.Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

 

Yours faithfully,

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  • 2 weeks later...

Tanks for the template \Clemma,

i have gone over it a few times and i'm a little warry of sending such a forward letter. I doubt that they will acnowledge any of the requests made, especially the removal of all data etc.

 

iam going to send a edited version of the letter you posted. taking out the following 3 sections.

 

1) "I DO NOT ACKNOWLEDGE ANY DEBT"

 

2) "Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

3) Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 14 days I expect that this means you agree to remove all such data."

 

I don't think anyone has had any success on thier second letters with this. please correct me if im wrong. I feel it's more appropriet to request all the above in the next letter, should they still not comply. this way if it goes to court, it will look alot more favourable for me as i'v been 'reasonable' in my actions.

anyway this is just my gut feeling. please do give me your opinion on this anyone..

 

cheers guys:)

#

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Leave in the I DO NOT ACKNOWLEDGE ANY DEBT - otherwise they can take your letter as proof you owe the money.......

 

The DPA part IS important. If they have no agreement, then they have NO right to access your credit file and put marks against you/default you etc. The final part is giving them plenty of time to remove such data.

 

Do not be scared of sending these letters. You are being extremely reasonable by giving them the chance to stop processing your data WITHOUT taking them to court. No signed agreement by you means they do not have your permission to use your information in anyway!!

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Thank you for the quick reply Clemma,

this may be a very stupid question but i was just wondering, i have used this card in recent months but have stopped using it since sending the initial letter. does this affect anything?

 

I will send the original template letter as you stuggested tomorrow....

 

cheers.

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Thank you for the quick reply Clemma,

this may be a very stupid question but i was just wondering, i have used this card in recent months but have stopped using it since sending the initial letter. does this affect anything?

 

I will send the original template letter as you stuggested tomorrow....

 

cheers.

 

Not at all ;)

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I've been informed by a solicitor that you should continue to pay the monthly payments.

 

:rolleyes::rolleyes:

 

Once the OC or DCA has passed the 12+2 days to respond to the CCA request they go into default. Whilst they are in default and the account is in dispute, you do not have to make payments, nor can they take any action against you to make you do so.

 

Regardless of what this "solicitor" says, the advice given so far is correct. Why dispute an alleged debt only to continue making payments? If there was no problem with the account, then the CCA request would not have been made in the first place......

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Don't think they are going to respond to second letter either... Thanks again Clemma for clearing up the last 2 posts. Just to clarify If no response is recieved should i stop correspondence and payments until CCA produced?

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Evening all...

Found out on friday that Natwest are charging me 29% interest on my NW CC. Are they allowed to do this>? The APR was 15.9% when i signed up 4 years ago....apparently they would have sent a notice of change through the post.

Any advice/info appriciated....cheers.

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Thank you for the quick reply Clemma,

this may be a very stupid question but i was just wondering, i have used this card in recent months but have stopped using it since sending the initial letter. does this affect anything?

 

I will send the original template letter as you stuggested tomorrow....

 

cheers.

 

If you are going to stop payments and push forward with the CCA request then I would suggest you forget about using the card again:)

 

Don't think they are going to respond to second letter either... Thanks again Clemma for clearing up the last 2 posts. Just to clarify If no response is recieved should i stop correspondence and payments until CCA produced?

 

Only you can decide whether to stop payments or not. Please remember however, that the company will report to the CRA on missed payments regardless of whether there is a legitimate dispute or not.:(

 

Evening all...

Found out on friday that Natwest are charging me 29% interest on my NW CC. Are they allowed to do this>? The APR was 15.9% when i signed up 4 years ago....apparently they would have sent a notice of change through the post.

Any advice/info appriciated....cheers.

 

They will continue with their normal account activity until such times as the account has been terminated, this will almost certainly include increasing the interest rate. :(

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi All

 

I have had my CCA from MBNA (Virgin CC) within the allotted time. Not sure whether it is unenforcable. To my, it looks like something that they have just drafted up. If I post it on here can someone take a look at it and tell me what they reckon, or failing that can someone post me to a thread relating to a copy of an MBNA CCA.

 

Many Thanks

 

http://i725.photobucket.com/albums/ww254/Signature96/RLJ2630004.jpg

Edited by Signature
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Hi All

 

I have had my CCA from MBNA (Virgin CC) within the allotted time. Not sure whether it is unenforcable. To my, it looks like something that they have just drafted up. If I post it on here can someone take a look at it and tell me what they reckon, or failing that can someone post me to a thread relating to a copy of an MBNA CCA.

 

Many Thanks

 

Signature, do you have your own MBNA thread ?

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Here is what my CCA from MBNA looks like:

 

Have a look and see what you think! Any feed back would be much appreciated!

 

http://i725.photobucket.com/albums/w...J2630005-1.jpg

 

http://i725.photobucket.com/albums/w...RLJ2630004.jpg

 

http://i725.photobucket.com/albums/w...RLJ2630003.jpg

 

http://i725.photobucket.com/albums/w...RLJ2630002.jpg

 

http://i725.photobucket.com/albums/w...RLJ2630001.jpg

Edited by Signature
Photobucket
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They are just links to photobucket.........:(

 

 

Signature has started his/her own thread here

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/191394-mbna-virgin-cca-view.html

 

The links are working properly in the thread. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi got a reply from Natwest. They just sent me a copy of my original application. nothing else. my address was hand written onto the envelope. looks like a school kid wrote it? weird.

anyway what on earth do i do with it...obviously this does no comply with the S/78, what next ...any thoughts?

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Send them this letter:

 

I DO NOT ACKNOWLEDGE ANY DEBT

 

Dear Sir/Madam

 

RE: Agreement/Account number

 

Thank you for your response to my letter dated xxxxxx 2009, making a formal request for a true copy of the original credit agreement for the above account under the Consumer Credit Act 1974 (Sections 77-79).

 

The documents you supplied me appear to be no more than an application form, and as such are not a satisfactory response to my request. Nowhere on the front of the document is there any reference to the prescribed terms and conditions that such an agreement must contain. I must assume that these are unconnected documents and once again inadequate to satisfy your obligations.

 

As you are aware you are obliged to provide me with a true copy of my agreement as defined under Section 189 of the CCA 1974. and I consider that you have failed to comply with my request for these documents

 

 

Under the terms of the above Act, a creditor has 12 working days to provide the requested documents. This deadline has now passed and I have not received the requested documents from you.

 

As I am sure you are aware, an agreement that does not contain all of the prescribed terms, and/or is not signed by the debtor, is completely unenforceable & I therefore consider that this account is in dispute with immediate effect & it follows that all payments to this account are suspended forthwith.

 

I draw your attention to the legal requirement that a creditor is not permitted to take any action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and therefore the following applies:

You must not demand any payment on this account, nor am I obliged to offer any payment to you.

You must not add any further interest or charges to this account.

You must not pass this account to any third party.

You must not register any information in respect of this account with any of the credit reference agencies.

You must not issue a default notice on this account

I hereby give you notice that if you proceed with any of the above actions, I will file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service.

 

Yours faithfully

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  • 1 month later...

well after many days and many weeks ..finally a reply...but,

what does it all mean>!/!?

 

it basicly states the following.

"in accordnce with s 78 of the consumer credit act 1974, we enc a copy of the credit card agreement (original and current) inc T&Cs.

I can confirm that a copy of the original credit agreement has been requested for you and should we be able to provide you with a copy, we fill post it to you.

 

it then goes on to say...

 

"It may be helpful to explain that we are not required to serve a copy of the credit agreement which includes signatures, as the law expressly permits lenders to omit signatures from copies of all credit agreements.”

 

all that was enclosed current t&cs

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"Should we be able to provide a copy" - doubtful that they will :rolleyes:. Just let them carry on searching for it :D

 

They are right about being able to send a copy that omits your signature - but why would they if they had the real thing ;)

 

Ignore the T&C's as they have no connection to you :)

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