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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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    • 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.

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Invalid Default Notices


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Cheeky, BRW!

 

Better to phrase its as something like... I politely request that the reasons for rejecting my evidence of an invalid default notice under S87 are clearly identified in your judgment.

 

That will make him think, and will set you up for any appeal - should he not understand the law by the next hearing.

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Hello Cosalt!

 

Don't forget that your s87(1) Default Notice is Evidence.

 

Their copy of the Notice is Hearsay Evidence.

 

If their copy does not match yours, theirs loses every time, because you have the original, hard copy, all singing, all dancing...the real thing!

 

If yours shows that the Notice was defective, and theirs says something else, theirs is wrong, and their evidence and credibility should be undermined.

 

If the Judge is determined to misdirect himself, then all you can do is plan every step, and keep it all nice and structured. Summarise the issues, and run through the key points for the benefit of both the Tape and the Judge, then invite him to comment on your Summary, before asking him for permission to Appeal.

 

If you spell it out for him, and he still elects to misdirect himself, then at least it should make the Transcript nice and clear for the Appeal Judge.

 

But, all joking aside, re-plan your Case, and make damned sure you win this next time out. One way to bring all of this into perspective is to plan your Appeal now.

 

Pretend you have lost, and start going through the issues. Research your Grounds for Appeal, download an N161 Appellants Notice, read up on, say, Shakespeare62's Thread, and see what steps he has gone through to prepare his Appeal.

 

Then, when you walk into Court next time, you will be thinking one step ahead, and will know the key Appeal points before the opposition opens his/her trap.

 

You will be then be poised, like a coiled spring, ready to jump on any of the key points that you know you can Appeal on, and will know why they are strong Appeal points.

 

If you don't know why, then you are already on a hiding to nothing next time out. If you see my point. Do not be resigned that there is a Judge Lottery, instead work out how you will nail them this time around, so an Appeal is not then necessary.

 

But, I bet if you go in ready to Appeal, having considered all of the issues, and having split out what is just background noise from what really matters, you may well turn this around next time out.

 

I do hope this helps.

 

Cheers,

BRW

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I think TBH the claimant thought this was an easy case, just attend the repo hearing and reclaim the goods, I don't think they banked on it being ajourned.

 

My aim now is to make them understand I mean business ( and know what I am talking about ) so they withdraw before we get to the next hearing !

 

Cosalt

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Hi everyone again,

 

Now have a letter from Amex which says, "The Default Notice does not need to comply with Schedule 2, para 8 of the CCA (Enforcement, Default and Termination Notices) Regulations as it does not require an earlier payment of a sum in order to remedy the breach." :confused:

 

I've googled this but can't find what it means about para 8.

 

DD

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I can only think they mean this (from the Consumer Credit (Enforcement, Default and Termination Notices) Regulations

1983):

Requiring earlier payment of any sum

 

8

 

Where a sum of money is required to be paid under the notice,

(a) the amount of the sum before deducting the amount of any rebate on early settlement;

(b) where any rebate on early settlement is allowable under the agreement or by virtue of section 95 of the Act--
(i) the amount of the rebate allowable calculated on the assumption that early settlement takes place on the date

specified in the notice for earlier payment of the sum; and

(ii) the total amount to be paid after taking into account the amount of any rebate on early settlement, namely the

difference between the amount shown in paragraph (a) above and the amount shown in sub-paragraph (i).

But if they're not requiring you to pay any sum of money what are they pursuing you about?

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A default should be placed on a credit file within a reasonable period of the actual default occurring, though the registering of a default with the CRAs, and the issuing of a default notice are not the same thing. The timing of when a debt becomes SB is also unrelated.

 

I know this causes Caggers an awful lot of confusion.

 

However, banks or other financial institutions cannot abuse the process of recording defaults with the CRAs - it has to be done fairly, and contemporaneously. For example, if a credit card company waited three years after an account was terminated to record a default for the first time, it would be grossly unfair to a debtor to have that default run for a further six years. This would now come under the guise of 'treating customers fairly'.

 

If they could get away with that, they would all do it - they could permanently trash your credit rating and use this as a form of financial blackmail. You simply have to be prepared to complain long and loud, and to go through the labyrinthine process of having such defaults removed.

 

NatWest a few years ago did exactly that! They began their CRA entry 2 years 'after' the DN was issued to me. Easier said than done to get it removed I can assure you!

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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One should be aware that that 6 years begins from the DN entry BUT (always a 'but') you must not do any communicating about the said debt during after that time. If you do then the 6 years begins again irrelevant of the issue date of the DN. The motto here is that 6 years begins when communications about the said debt terminates which will mormally be a few months after the initial entry. A bank can keep spodradic communications open for years and you will never see the DN dissapear although it will (in theory) from the CRA files after the 6 years. A bit of a grey area on that issue.

 

Whilst on CRA's - and a bit off-topic - I think the new series of Credit Expert TV adverts are questionable under the ASA requirements?

 

Michael

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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One should be aware that that 6 years begins from the DN entry BUT (always a 'but') you must not do any communicating about the said debt during after that time. If you do then the 6 years begins again irrelevant of the issue date of the DN. The motto here is that 6 years begins when communications about the said debt terminates which will mormally be a few months after the initial entry. A bank can keep spodradic communications open for years and you will never see the DN dissapear although it will (in theory) from the CRA files after the 6 years. A bit of a grey area on that issue.

 

Not quite. They can't do this. Once a default is entered - providing it isn't satisfied and another added - that's it.

 

Don't confuse the six years here with statute barred and non-acknowledgement. The six years for SB relates to the last time you either paid or acknowledged the debt in writing, and is not related to the issuing of a default notice or the registering of a default with the CRAs.

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Hi all

 

Asked this somewhere else but I've forgotten where now so I need to ask again:oops:

 

If you actually pay up and settle a debt completely can you demand the CRA (or creditor I suppose) removes all info regarding the account as there is no longer an account to give details about? Once the contract is kaput (in the standard fashion rather than any legal problems they've encountered), I am assuming that your consent for them to process your data is removed?

Time flies like an arrow...

Fruit flies like a banana.

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After capone 'sold off' the OH account to a DCA, following terminatation on the back of their 'invalid' DN (Thanks Pinky), which OH accepted their unlawful rescinding of the account, a complaint was made to the DCA concerned due to their threats & ignoring OH letters.

 

Just received this response from capone, if anyone has any inputs I would be most greatful :-

 

CP1.jpg

 

 

 

 

 

 

CP2.jpg

 

Beachy ;)

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They haven't actually addressed the issues you've raised - such as faulty DN and therefore unlawful rescission - they have simply stated they sent a DN and their legal department has 'scrutinised' the documents. They have said they will defend any claim that is does not comply - they have not dared to state that they think it DOES comply.

 

But then they just wash their hands of it cos they've sold it. Worra mess of a reply.

 

Me thinks they up poo river with no rowing stick.

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That last para is interesting, and is not true. Their ability to sell the account is completely unrelated to terms in the T&Cs allowing them to pass the debt to a DCA. They can sell the account at any time, providing there is no dispute.

 

This letter has been concocted by a legally-challenged idiot-savant. Without the 'legally' and 'savant' bits.

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They haven't actually addressed the issues you've raised - such as faulty DN and therefore unlawful rescission - they have simply stated they sent a DN and their legal department has 'scrutinised' the documents. They have said they will defend any claim that is does not comply - they have not dared to state that they think it DOES comply.

 

But then they just wash their hands of it cos they've sold it. Worra mess of a reply.

 

Me thinks they up poo river with no rowing stick.

 

Thanks DonkeyB,

 

Reassuring to have additional input - time to plug in True Call again after the DCA gets their copy :D

 

Capone gave me a hard time last year, but so far my file is in the back of capones filing cabinet, after capquest dropped it like a hot potato.

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Where they state they think they have a fully enforcable contract does that not also state they think it does comply?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Is that it? All those questions you put to them and that's all they send? To me it reads as if they've gone defensive and have buried their heads in the sand. They know you're probaby correct but also assume you won't take action in the courts as very few people do. You're probably facing the classic creditor/debtor stand-off now.

 

Creditor sells to DCA who hopefully realise litigation is futile.

 

Debtor fed up but not prepared to litigate as burden of proof sometimes tricky.

 

Result. DCA hassles you for ages. Creditor sells cheaply and claims it all back, maintaining the invalid default out of spite.

 

You...stuck in the middle with a trashed credit file and nowhere to go :mad:.

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Hi everyone again,

 

Now have a letter from Amex which says, "The Default Notice does not need to comply with Schedule 2, para 8 of the CCA (Enforcement, Default and Termination Notices) Regulations as it does not require an earlier payment of a sum in order to remedy the breach." :confused:

 

I've googled this but can't find what it means about para 8.

 

DD

That could be the case if they were only suing for the arrears and not the full amount.

 

But if they are suing for the full amount, they need their Ducks in a row, valid DN followed by valid TN.

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Hi all

 

Asked this somewhere else but I've forgotten where now so I need to ask again:oops:

 

If you actually pay up and settle a debt completely can you demand the CRA (or creditor I suppose) removes all info regarding the account as there is no longer an account to give details about? Once the contract is kaput (in the standard fashion rather than any legal problems they've encountered), I am assuming that your consent for them to process your data is removed?

 

If there is a DN entry on a CRA all that will happen if you clear the debt are the words 'satisfied' that will eventually appear. The DN will however remain on the CRA file till it 'falls off' after 6 years. This is always the 'downer' to people who slipped up, had a DN issued and entered, then payed it off. Not really a thanks for paying it off as any potential finance provider will see the words DN and normally ignore anything extra.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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This is an interesting one

A few weeks ago a dca sent me the usual threatogram re an alledged debt on a credit card, and they will take further if i dont pay blah blah blah,

 

So i took the opportunity to cpr them,and to ask them to disclose the docs they would rely on

 

Well just had a bundle through the post,

 

But the interesting document is a template DN, the heading reads

This is a default notice served under section 54(2) of the consumer credit act 1995,

 

Then the usual DN text, but obviously as a template no dates or figures

 

This alledged credit card account is from 2001 and the application form copy clearly says regulated under the 1974 consumer credit act,

 

so why is the DN template saying seved under ,section 54(2) of the 1995 consumer credit act,? and where does that leave them now?

Edited by dizzyblonde1966
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