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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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Me against them v's HSBC Flexi Loan


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So far I have requested my CCA from HSBC for my Flexi Loan, this has not been recieved so I have sent them an Account Dispute letter.

 

HSBC have acknowledged my initial request and informed me that they are looking into my request.

 

However, I have recently recieved a Default Notice which served me less than 10 day to comply. Please see below.

 

 

HSBCDN1.jpg

 

HSBCDN2.jpg

 

Can any advise me on how to play this, I have been told that they must give a minimum of 14 days!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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They have to give you a clear 14 days from receipt of the notice to remedy the arrears. Once they close the account all they will be able to claim would be the arrears. Obviously you don't want to alert them to the defective default, so your best bet would be to sit back & wait for them to close the account.

 

Keep that notice along with the envelope for future use. ;)

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They have not terminated the account yet, I'll keep quiet until they do. The letter itself is also dated the 29th April, so they have shot themselves in the foot, without me keeping the envelope, as they have only allowed 10 days if I recieved it the same day! :p

 

thanks.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

Just recieved a demand for the immediate payment for thull balance of my flexiloan, bank account overdraft and all arrears including lots of penalty charges.

 

The letter also states "As a defaulting debtor, details of your defualt including your name and address will be given to the Credit Reference Agencies named below if we have not recieved a satisfactory response from you within 18 days."

 

I thought they'd already done this as stated in the previous default notice.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

SARrej1.jpg

 

SARrej2.jpg

 

Just recieved this back from my SAR.....I was going to send the following response....

 

Dear Sir,

 

You have stipulated that you require proof of my identity/signature before you comply with my Subject Access Request, may I bring the following to your attention;

 

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no legislation nor guidelines that you can hide behind in an attempt to avoid fulfilling my legal request,

 

Yours faithfully,

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 4 weeks later...

Update:

 

Still waiting for SAR.

 

HSBC have now grouped together my loan balance with my bank overdraft an passed to Metropolitan as bellow.

 

Metropolitan1stLetter.jpg

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Yes, the full amount for both overdraft and flexiloan. Are they allowed to do that? I have various issues to dispute with each seperate acount

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Received another letter from Metropolitan which is referenced with the account number for my bank overdraft. However the balance is that of both my overrdraft and the flexi-loan! Surely these should be treat as two seperate accounts.

 

Still know sign of my SAR which was posted on the 4th June, over the specified 40 day period. Is there need to send a follow up letter highlighting there non-compliance?

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 bet, they are trying to pull two accounts together, so that they can argue that it is all indeed an overdraft and therefore not subject to CCA74 77/78. Essentially, they are trying to hide absence of a valid Consumer Credit Agreement for the flexiloan account by making it look it was kind of an extension of overdraft on a current account.

 

Could please, great legal minds here examine this tactic of HSBC and suggest what can be done to counter this.

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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Has anybody got any idea on how to confront HSBC with regards to merging my accounts? looks like they are trying to hide the fact that they do not have a CCA for the Flexiloan.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Has anybody got any idea on how to confront HSBC with regards to merging my accounts? looks like they are trying to hide the fact that they do not have a CCA for the Flexiloan.

 

 

Hi............have you sent them an SAR request yet?.........that would show what they have done....a wonderful paper trail for you to have.

 

regards krj8:cool:

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Yes...I sent an SAR on the 4th June...They responded by tellling me I had not signed the letter, so I sent them the usual response letter stating that they use my addresss for all other correspondance so they should not be any need for me to supply them with my signature. They have not responded yet and the 40 days specified has recently ran out.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Yes...I sent an SAR on the 4th June...They responded by tellling me I had not signed the letter, so I sent them the usual response letter stating that they use my addresss for all other correspondance so they should not be any need for me to supply them with my signature. They have not responded yet and the 40 days specified has recently ran out.

 

 

...........in that case we can only wonder at the total ignorance they display................forget about it all until they make contact again..........enjoy life......after all it's the only we've got.

 

kindest regards

krj8:D

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  • 4 weeks later...

OMG what utter incompetance!

 

SAR arrived today! What a can of worms it is!

 

1)They have only sent me statements for my flexiloan and not my current account.

 

2)They only have sent me correspondance over the last 6 months.

 

3) The CCA they have provided is NOT even mine!!!!! Diffrent name, account number, dates, signatures, amount and type of loan!

 

4) They have broken the Data Protection Act, they have provided me alsort of account information for someone else! This in the wrong hands could be used for fraudulent activities!!!!:eek:

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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EXCELLENT.....send it off to the Information Commissioners Office.....and send them a SAR (LETTER BEFORE ACTION) non compliance letter (wait until the 40 days is up)....as they might send more stuff to you - edit this one to suit.... - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178660-blackheath-loans.html - BUT add that they have sent you somebody else's loan agreement and that you have sent it to the Information Commissioners Office.

 

Just keep a heads up on that rolled up situation they do this all the time - have a read of these...

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/140032-hsbc-county-court-claim.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182623-please-help-i-have-2.html

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Loverly jubbly :D

 

First get in touch with the ICO and make a complaint; https://www.ico.gov.uk/Global/contact_us.aspx and wait for the sparks to fly.

 

Get in touch with the person who's details you have received so they can make a complaint too, just to feed the flames a bit more. :D

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I know...I couldn't believe my eye's at first!

 

Thanks for the info and letter guys!

 

I forgot to mention, this actually came under a Metropolitan covering letter!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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OMG what utter incompetance!

 

SAR arrived today! What a can of worms it is!

 

1)They have only sent me statements for my flexiloan and not my current account.

 

2)They only have sent me correspondance over the last 6 months.

 

3) The CCA they have provided is NOT even mine!!!!! Diffrent name, account number, dates, signatures, amount and type of loan!

 

4) They have broken the Data Protection Act, they have provided me alsort of account information for someone else! This in the wrong hands could be used for fraudulent activities!!!!:eek:

 

 

Hi "me against them"............I agree with cerberusalert & others, complain. Complain to the Information Commissioner, to HSBC and Metropolitan.

 

Metropolitan or any DCA should not be contacting you whilst the accounts are in dispute..........I can post up a letter I sent recently about a similar problem if you like.

 

Your letter to HSBC may take a bit longer.........you said in your post on 9-July that you have various issues to dispute about both accounts. Start a rough draft detailing that, also complain about all HSBC's actions. They then have 8 weeks to respond. If you're not satisfied with their response you can pass the matter to the FOS. I'm having quite a bit of success doing that about RBS at the moment.

 

..............kind regards

sythe:cool:

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Sythe...I'll start putting a response letter together today...I would be also be interested in seeing the letter you mention.

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Hi again "me against them"............just a thought, do you have Payment Protection Insuranse covering the Flexiloan account........if so, can you make a claim........if not that amount should not be included.

 

sythe:cool:

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