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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.

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unknown Carter CCJ for Tesco Credit Card - set aside help please


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Update:

 

DN received (and expired!) and termination of account received.

 

LBA expired .... no response so the claim goes in next week.

 

Have asked for void or unenforceable with damages (for DN), return of charges and costs.

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Hi Guys.

 

I have been reading the blog with great interest and excitement. I have 2 credit cards M&S £11,000 and Egg £7000 and I think they are both unenforceable. The M&S mastercard I have had since about 1988 when it was a chargecard and then automatically was 'upgraded' to a mastercard and the Egg card I have had since 2002 I think.

 

I came across a company called Credit Issues who, for a fee, were going to deal with my case but I was a little weary of handing over £450 (fees) and there were additional charges of £1000 I think if they won. Loads of small print on their paperwork and I got scared and then came across your site.

 

I wonder, has anyone had dealings with Egg & M&S before and with what success. Also can anyone recall the Chargecard automatically upgrading to a credit card or did I dream that bit.

 

I have found on your site the two letters I need to send thanks. Just one question which worries me is that if I am sucessful after the 2 letters - do I actually have to go to court etc ....

 

Thanks very much, all advice is so welcomed, my minimum payments are totally £500 pm and life is really hard at the moment (like it is for most I know)

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First thing to do is scan the agreements (both sides if applicable) and post them here. Then we can comment unenforceable or not.

 

You say two letters ?? ....... you'd be lucky to get anything to court after 10 letters !!!!! The likelyhood is .. Yes you will have to go to court.

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Thanks for the advice, I will post the agreements when I get them. I am a bit scared about going to court - would I be allowed to ask someone to go for me, to represent me - I know I would go to pieces if I had to go to court. Do credit card companies settle before court do you know?

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Tesco have now passed this account to Triton for collection on their behalf. Think I better SAR Tesco to see if I can get postage details of the Default Notice as its possible they did not leave me with the full 14 days to remedy.

 

Anyone know what Triton are like to deal with?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 1 month later...

I had a few demands for payment from Triton. Today I recieved a posh looking letter from Green & Co Solicitors who say Triton and in turn Tesco have demanded payment and I have failed to comply. They will now commence court proceeding unless I pay up within 7 days.

 

They have not answered my SAR so far, should I advise them that the account is in dispute as it contains unlawfull charges that I wish to claim back?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 1 year later...

All has been quiet for a while..

 

 

.however Fredickson and Bryan Carter Solicitors started to send me payment demands in April 2010 as I was moving house.

 

 

Unknown to me a pile of letters have built up since at the old address and have just been forwarded to me by my former landlords estate agent.

 

 

To my horror there was a letter from Northampton County Court,

 

 

Bryan Carter have made a claim against me on the 10th August and my 14 days to respond have gone.

 

 

I did not get the claim letter until today as it was sent to my old address.

 

I have no idea what to do now, can somebody please help.

 

I did not inform them of my change of address,

however Bryan Carter's have been sending me letter regarding another debt for the past 4 months to my current address.

 

 

I guess they found that from a Credit Agency or Electoral Register.

 

Thanks in advance.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Bryan Carter have made a claim against me on the 10th August and my 14 days to respond have gone.
If a judgement has been made you can apply to have it set aside on the grounds that the papers were sent to an old address & as Carters knew your new address they must have made another clerical error.
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Thanks for the quick response cerberusalert. How do I find out if a judgement has been made? Is this something that would be sent to me? Obviously they will send it to my previous address if this is the case.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I just called Northampton Court and they informed me it went to Judgement on the 2nd of September. Does this mean I now have a CCJ?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I've just checked my Credit Report and there is a Judgement from Northampton CC. I will wait until I recieve a letter from Carter's before a try to get it set aside. Do you think the following reasons would be enough to have it set aside:

  1. The court papers were sent to my old address
  2. I was out of the country when the papers were delivered
  3. The amount claimed is wrong as it contains late payment and default charges

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I also meant to ask if its worth telling DCA's of my new address in the future to avoid this kind of thing happening again, rather than avoiding them and letting them work it out for themselves?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Do you think the following reasons would be enough to have it set aside:
Yes.
I also meant to ask if its worth telling DCA's of my new address in the future to avoid this kind of thing happening again, rather than avoiding them and letting them work it out for themselves?
That's up to you but remember they'll be able to hassle you by post and more than likely 'phone too when they manage to obtain the number.
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I have just received the Judgement Papers from Northampton CC, whish were forwarded to me from my old address.

 

 

I am currently trying to fill out a N244 Form to try and get this set aside.

 

 

In section 3 I have wrote the following:

 

 

I ************** intend to apply for an order (a draft of which is attached) that The Default Judgment entered

against me be set aside and a re-hearing ordered.

 

because

 

The claim form did not come to my attention because the claim papers were sent to my old address, when the

claiment knew I had moved house and had a new address. At the time when the claim was made I was also away on

holiday. As well as this I also believe the amount claimed is significantly wrong as it includes illegal charges and

interest added is not as stated in the Consumer Credit Agreement.

 

and in section I am asked to, 10. What information will you be relying on, in support of your application?

 

Do I need to provide proof of my current address (bill or tenacy agreement) and past letter from Bryan Carters to my current address? Do I need to provide anything else?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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This may help a bit, it's mainly used in the Bailiffs forum so some bits may not be pertinent. Q3 in particular only needs a brief Description - Applying for Set Aside of CCJ No XXX and expand the reasons in Q10.

 

N244 Form:

 

Name of Court - where CCJ was awarded

Claim No - CCJ number

Warrant No - leave blank

Claimants Name - name of Claimant as entered on CCJ

Defendants Name - name of Defendant as entered on CCJ

Date - when you filled this in

Q1 - put your name in here

Q2 - tick relevant box

Q3 - a brief description - you are applying for Set Aside because you never knew you had a CCJ until a High Court Enforcement Officer arrived. If applicable ask for case to be transferred to local Court

Q4 - tick No

Q5 - tick at a hearing

Q6 - leave blank

Q7 - leave blank unless relevant

Q8 - District Judge

Q9 - Claimant & Defendant

Q10 - needs expansion of Q3 - better done on sheet(s) of paper with each point bulletted. Remember to copy of Staement of Truth on to last sheet & sign + date. Tick sateemnt of case on form and again sign + date

Q11 - fill your details in

 

Send form to Court where CCJ was awarded with appropriate fee - £75.

 

Claimant is entitled to oppose your application but in most cases this can be disregarded.

 

PT

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Thanks PT.

 

with regards tp Q10; should I simply explain that I was living at different address and that I believe the amount claimed to be wrong? or do I also need to provide any evidence at this point?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Thanks PT.

 

with regards tp Q10; should I simply explain that I was living at different address and that I believe the amount claimed to be wrong? or do I also need to provide any evidence at this point?

 

Q10 is an expansion of the brief details you put in Q3. So if the original docs were sent to a different address to your present one then say so - include any relevant dates, also include any info if you advised the Claimant you had moved as a favourite trick is to use an old address.

 

If you also think the amount claimed - not costs - is wrong then also say so and include your reasons for saying so. This on its own will not be sufficient for Set Aside but coupled with everything else may well help.

 

PT

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