Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 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
        • Like
  • Recommended Topics

Invalid Default Notices


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4976 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Would you mind popping over to my thread for advice on a DN that's not a DN :confused:

 

http://www.consumeractiongroup.co.uk/forum/mbna/81907-mbna-ding-ding-round-10.html#post2743043

 

I would like opinions on a 'Defaulted Acc' (no prescribed terms on CCA) but no DN actually sent or received.

 

Thanks so much :)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

  • Replies 5.4k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

1/ what part of what you posted leads you to that conclusion

 

this part

 

His Lordship said that it is a question of fact whether a party has elected to

terminate or affirm a contract in a situation where it is in the position that it

has to decide whether or not to exercise the right to terminate. The party has

elected either to affirm the contract or it has not done so. If it has not affirmed the

contract then the right to terminate will remain

 

2/ why, when it is so easy to write and accept it- would you want to

"take the risk"?

 

For some people they find out that they had this option month's or Even years after the fact this point shows that time is not a factor

 

i see your point- but in that case there was a clause in the contract (which both parties signed presumably) which allowed the performer the right to defer his election

 

in a CCA regulated agreement - There is no such clause

 

i can only refer to a case already decided in which a cagger had not been making monthly payments

 

The creditor then unlawfully repudiated and the cagger- instead of writing to accept it, simply continued not to pay monthly instalments

 

in court he argued that he had done "some thing" to demonstrate that he had accepted the unlawful rescission (not made monthly payments)

 

The judge however said that because he had not been making monthly payments prior to the unlawful repudiation, the cagger could not show that after the repudiation that his reasons for not paying had changed from whatever they were - to that of signifying his acceptance of the repudiation

 

the court found against him.

 

therefore if a court is going to find against the cagger in that situation - imagine the difficulty one would have if one had continued to make payments for months after the repudiation

 

yes , i agree better late than never and hopefully the cagger could argue that he was only just made aware of its significance - but it leaves doubt

Link to post
Share on other sites

Hi DD, I have just received a response to my Unlawful Rescission letter and faulty DN to HSBC, Blimey that was quick. This is what they wrote, any ideas on where I go from here next please. The DN they issued was faulty and this is their response,

 

http://i450.photobucket.com/albums/qq223/sophiak_bucket/HSBCResponsetoFaultyDN.jpg

 

 

Hi DD, can you suggest on what I should do next please?

Link to post
Share on other sites

yes, absolutely nothing, zilch, diddlysqaut- just file it and ignore it

 

they don't have a hard copy of the DN to look at and are simply guessing that the DN is effective (they can't even use the correct terminology

 

i take it you asked to be advised of the true amount of arrears?

 

they will not of course tell you that as they dont agree- but thats their problem - you cannot now be accused of avoiding payment of the arrears because until you know what they are- and if your counterclaim for unlawful rescission is likely to exceed it- you cant make a decision

 

"hoisted by their own petard" is the expression i think!!

Link to post
Share on other sites

yes, absolutely nothing, zilch, diddlysqaut- just file it and ignore it

 

they don't have a hard copy of the DN to look at and are simply guessing that the DN is effective (they can't even use the correct terminology)

 

Thanks DD, so its best not to ask HSBC for a copy of my DN? Guess your right, HSBC believe that the debt is enforceable so I will wait to see what they do next. They have already passed the debt to 3 different DCA's.

Link to post
Share on other sites

thats ok my comments in 1358 above have assumed that is what you did

 

you say they sent a defective DN- they say they didn't- end of!!

 

just sit back and relax, put kettle on mother!

 

Thanks DD, will wait back and see what happens. One more thing the FOS want a response from me by the 22nd 2010 Feb, I put in a complaint against HSBC and later found out about the Unlawful Rescission and faulty DN.

FOS state that HSBC are willing to accept £1 a month as a token payment.

 

I do not know what to respond to the FOS now. Should I write back and say that I am dealing with HSBC directly now? Oh dear how do I get out of this pickle

Link to post
Share on other sites

at one pound a month the debt would increase- and there is no certainty that at a later date they would not want more

 

by paying you would be accepting the debt

 

personally i would write to the fos and thank them for their efforts and point out that in the meantime they have unlawfully rescinded the agreement and you are now liable only for the arrears at the time they terminated- against which you may make a counterclaim for unlawful rescission so you will no longer require their assistance

Link to post
Share on other sites

at one pound a month the debt would increase- and there is no certainty that at a later date they would not want more

 

by paying you would be accepting the debt

 

personally i would write to the fos and thank them for their efforts and point out that in the meantime they have unlawfully rescinded the agreement and you are now liable only for the arrears at the time they terminated- against which you may make a counterclaim for unlawful rescission so you will no longer require their assistance

 

 

Thanks DD I was hoping to write something along those lines too. Thank you once again for your valuable advice and time in helping. Very much appreciated. :D

Link to post
Share on other sites

hi diddydicky

 

On this default notice thread there are now over 1300 posts so it goes to show that there are a lot of dodgy DN about and it seems to me that a lot of people are still struggling to understand what it that makes a default notice invalid .

 

Now on to my point ;) how do u feel about writing a list of things that make a DN dodgy

 

example

 

1 Demanding the full balance ?

answer they are only legally allowed to claim the arrears as a DN is a notice telling you that you are in arrears and giving you the chance to pay the arrears bring your account back up to date

 

2 14 days notice ?

Answer bla bla bla

 

3 Prescribed paragraphs ?

a bla bla bla

b bla bla bla

c bla bla bla

 

Then post it up get people to comment and add what they can when finished ask mods to make it a sticky

 

Then do the same with a acceptance letter :wink:

 

WP3

Edited by welshperson3
Link to post
Share on other sites

I also see this mentioned a lot unlawful rescission i cant quite get my head around this one.

I understand unlawful and i understand rescission.

what i don't understand is how they work together

 

I do understand unlawful termination

 

 

 

Noun1.rescission - (law) the act of rescinding; the cancellation of a contract and the return of the parties to the positions they would have had if the contract had not been made; "recission may be brought about by decree or by mutual consent"

Edited by welshperson3
Link to post
Share on other sites

I also see this mentioned a lot unlawful rescission i cant quite get my head around this one.

I understand unlawful and i understand rescission.

what i don't understand is how they work together

 

I do understand unlawful termination

 

 

 

Noun1.rescission - (law) the act of rescinding; the cancellation of a contract and the return of the parties to the positions they would have had if the contract had not been made; "recission may be brought about by decree or by mutual consent"

 

 

If the creditor terminates an agreement and acts in accordance and compliance with the regulations of the CCA then his termination is LAWFUL

 

If he fails to follow the steps s87/8 properly then he cannot lawfully terminate the agreement- there is nothing in the act which allows him to do so.

 

therefore what his termination (demand for full payment) letter is saying is that he is repudiating his obligations- he is no longer prepared to allow the debtor to benefit from THE major benefit of the agreement that the debtor has (to repay monthly)

 

this therefore is an (attempted) termination/ rescission by the creditor and it is UNLAWFUL

 

often referred to as unlawful repudiation, unlawful rescission, unlawful termination.

 

remember the act is there to protect ordinary folk who do not have access to the legal or financial brains that the creditor does therefore the law will forgive the debtor if he uses the technically incorrect choice of words if it is satisfied as to what was meant.

 

 

No one party to a legally binding agreement can "unilaterally" unlawfully terminate or rescind it - since this requires the agreement of the other party(s) involved

 

but he CAN unlawfully " repudiate" his obligations (refuse to perform his own obligations)

 

If the other party does not accept the creditors unlawful actions then the creditor is still bound by the agreement. indeed it has already been ruled that if the debtor does not make clear his intentions he may be deemed to have accepted this position (that the agreement endures)

 

However, if the injured party chooses (as is his right) he can accept the unlawful actions of the other party and relieve HIMSELF of HIS obligations under the agreement.

 

at THAT POINT and not before (IMO) the agreement effectively terminates/ends/finishes/dies out/becomes extinct since neither party now, by mutual agreement is performing.

 

if the creditor does not want to lose entitlement to his money then he should be careful to ensure that he does not act unlawfullyL

Link to post
Share on other sites

hi diddydicky

 

On this default notice thread there are now over 1300 posts so it goes to show that there are a lot of dodgy DN about and it seems to me that a lot of people are still struggling to understand what it that makes a default notice invalid .

 

Now on to my point ;) how do u feel about writing a list of things that make a DN dodgy

 

example

 

1 Demanding the full balance ?

answer they are only legally allowed to claim the arrears as a DN is a notice telling you that you are in arrears and giving you the chance to pay the arrears bring your account back up to date

 

2 14 days notice ?

Answer bla bla bla

 

3 Prescribed paragraphs ?

a bla bla bla

b bla bla bla

c bla bla bla

 

Then post it up get people to comment and add what they can when finished ask mods to make it a sticky

 

Then do the same with a acceptance letter :wink:

 

WP3

 

the problem is that to be effective it would have to be posted onto thousands of different threads!!

Link to post
Share on other sites

A good post 1369 diddydicky it is this type of thing that can clarify how things work and if people put Their heads together then simple steps on how to deal with a dodgy DN could be achieved.

 

1 what is a dodgy dn ?

2 how to respond to a dodgy dn ?

3 how to defend in court on a dodgy dn ?

 

after 1300 posts there should be enough information to clear up the above points .

 

my point about unlawful rescission in post 1368 is if anyone sending letters to bank ,solicitors,etc, accepting termination and then gets the letter wrong the solicitor might by more inclined to push for it to go to court, in the assumption that the letter writer doesn't know what he is doing.

 

hence a acceptance template letter could be good, if people put Thayer heads together I'm sure something good will come out

Link to post
Share on other sites

the solicitor might by more inclined to push for it to go to court, in the assumption that the letter writer doesn't know what he is doing.

 

 

Given the state of matters revealed by this thread alone I would suspect it is the solicitors who are now realising that it is not us who don't know what we are doing :p.

Link to post
Share on other sites

this is from post 3 of A TALE OF DODGY DN it is a responce to surfaceagentx20 original post

 

I think this is a salutary tale of how knowing your topic properly can make the difference between winning and losing the battle. I often wonder about the bush lawyers on CAG who leap in with advice which I personally feel is dubious - and which sometimes fails to achieve the desired result.

 

In your example you have convinced the claimant's solicitors that you are well on top of the legalities and that they cannot make a winnable case. An amateur (like myself I have to admit) might with some research determine all the legalities of the matter but would certainly not convince the opposition that you were in any way an expert and that you regarded your defence as automatically won.

 

 

I think that a template acceptance letter detailing the precise points of law could prevent a lot of cases getting as far as court.

 

WP3

Link to post
Share on other sites

Hello Folks!

 

I came to the conclusion a while back that the very worst thing we could do on CAG, is Post an Idiot's Guide explaining, in simple terms, what makes a Default Notice invalid/defective.

 

If we did that, then all it would serve to do is hand a Painting-by-Numbers template over to the bankers explaining how to get their Default Notices right!

 

A far better plan is to do just what we are doing here, and that's to discuss to death what is wrong with them, and take thousands of Posts doing it...the bankers can't be bothered to read so much, so lose interest and wander off to flick some more rubber bands at their mates across the polished Mahogany/Walnut desk.

 

By comparison, people who need to know all about what makes a Default Notice tick, because their home depends upon that knowledge, will read this Thread, and others, from front to back, and will gladly stay up all night to achieve it.

 

So, in summary, keep talking, keep discussing it, but avoid the temptation to draft an idiots guide to Default Notices...I thought of doing that once, then stopped myself, for the same reasons.

 

If an enemy keeps shooting at you with their gun pointing at their own chubby feet, then don't write a clear guide explaining how they should point their gun at you instead.

 

It is far more entertaining discussing the self-inflicted damage Default Notices do to our mutual enemy.

 

Cheers,

BRW

  • Haha 1
Link to post
Share on other sites

I absolutely agree BRW

 

The lenders are already changing DN's to make them better, so to give them a template showing them how to produce one we would not dare challenge, because it is based on our theories would be suicide.

 

Pedross

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4976 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...