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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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MBNA CCA issue .... I don't trust them !


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Hello all, I sent a request for my CCA using the template letter on this site but I stupidly signed it thinking if I hadn't they would come back with some lame response that the request needs to be signed.

 

My request was signed for on the 29th May, given the 12+2 rule which I understand to be 12+2 working days (what does the +2 mean by the way ???) I should expect something by Tuesday or Wednesday this week.

 

I did think about NOT signing the form, the "dodgy" side of me was fully aware they might scan the signature and put it on a proper document. Luckily my signature has changed from back in 2000 but I don't trust them as far as I can throw them.

 

I'm not interested in playing cat and mouse with them so if I don't hear anything by Friday Should I send the second letter ??

 

I am really annoyed that I signed the CCA letter. Stupido ! I did staple my £1 postal order to the letter so I'd like to try to see them say they didn't receive it.

 

Why oh why did I sign the CCA ?!!!! Can you tell I'm upset about doing that.

 

I've got about £11K outstanding from a CC I got around 1999/2000. I honestly don't even remember how I even got the card !!

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HI,

 

Too late to worry about it now. I did the same thing as you but they didn't lift my signature.

Stop beating yourself up.

 

When they fail to reply within your 12+2 WORKING days you could send them this letter. There are others, I just like this one :D

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thank you !!!

 

Like I said - If I haven't received anything by Friday this week then that letter you kindly linked me to will get sent.

 

If I sign it but put some lines through it, would that be safe ???

 

Cheers

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Don't bother signing from now on.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Yesterday aparently I got a call from MBNA. I wasn't around to take the call but, for the future, should I avoid phone contact and continue dialogue via letter only ?

 

I got my CC statement dated 06 June, it oddly enough has 2 identical payments, one made on the 14th and one on the 15th May - I only made 1 payment on the 14th May and my bank statement confirms that only one payment was made. Oh Well :D.

 

Anyway it says my next payment date is the 2nd July but by that date the account will be in dispute I guess, after I send the 2nd letter. I just wanted to know at what stage they will attempt to put a missed payment on my credit file which, to my understanding, they CANNOT do with the account in dispute, right ?!

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Hello all, I sent a request for my CCA using the template letter on this site but I stupidly signed it thinking if I hadn't they would come back with some lame response that the request needs to be signed.

 

My request was signed for on the 29th May, given the 12+2 rule which I understand to be 12+2 working days (what does the +2 mean by the way ???) I should expect something by Tuesday or Wednesday this week.

 

I did think about NOT signing the form, the "dodgy" side of me was fully aware they might scan the signature and put it on a proper document. Luckily my signature has changed from back in 2000 but I don't trust them as far as I can throw them.

 

I'm not interested in playing cat and mouse with them so if I don't hear anything by Friday Should I send the second letter ??

 

I am really annoyed that I signed the CCA letter. Stupido ! I did staple my £1 postal order to the letter so I'd like to try to see them say they didn't receive it.

 

Why oh why did I sign the CCA ?!!!! Can you tell I'm upset about doing that.

 

I've got about £11K outstanding from a CC I got around 1999/2000. I honestly don't even remember how I even got the card !!

 

unfortunately people mis describe the 12+ 2 rule when in fact it is 2 + 12

 

what it means is that if sent first class is is deemed to be served on them on the 3rd WORKING day (2 working days for postage) and then 12 calender days to comply

 

when working out the deadline bear in mind that if you post on a thursday the two working days will be friday and monday so time counts from Tuesday ( also take care to count bank holidays as non working days)

 

hope that clears that up for you

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Thanks for your responses.

 

So DiddyDicky, If I sent the CCA request on the 28th May at around midday, the 2 working days would end Monday the 1st June. Now if you say that the +12 is 12 calendar days as opposed to 12 working days, that takes us to Saturday the 13 June, so that means I can send the In Dispute letter now !

 

Or have I misread/misinterpreted what you said ??? :grin:

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actually i just realised my mistake (getting confused with DN's) it is 12 working days i believe from the date of service

 

if you sent it second class then you would need to allow 4 days for post and count the 12 from the 5th day

 

personally i just tend to leave it another week to be of the safe side before telling them they are in default

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Hi Hothead

 

Welcome to the club.

 

I've had my account in dispute since March and am about to miss my 3rd payment. I owe just slightly more than you... or rather I dont as its in dispute and I now dont recognise any debt to MBNA.

 

Get ready for the ride. Look on my thread where there are a few of us at similar stages comparing notes and regular correspondence received. If you are registered online with MBNA try to remove as much contact detail from their online records as possible. Unfortunately if you have ever called them on a number which might show up they will probably have a record of this too. Dont ever speak to them on the phone and get everything in writing.

 

 

Capricorn

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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i think the signature thing is blown out of proportion however the EASY way to get over it is to sign your name with a letter added

 

for instance if your name is T brown sign it ttbrown

 

if done in a flourish it will not be evident to them but you will be able to prove (should it ever be necessary) that you adopted this style for a particular purpose! simples innit

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When I CCA egg they requested my signature but I didnt give it to them. MBNA have never requested it. I have since created a digital signature to get over any future requests

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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When I CCA egg they requested my signature but I didnt give it to them. MBNA have never requested it. I have since created a digital signature to get over any future requests

 

there is no requirement in the CCA to provide a signature on a sect 77/79 request its just them playing silly buggers!

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Thank you all for your responses.

 

I have received nothing from MBNA so I amended the Account In Dispute letter linked further up the thread (looks amazing by the way) and this afternoon I will post it registered delivery.

 

So let the games commence. If I am successful with this whole thing I will be extra satisfied because I spoke to customer services there a couple times asking them to give me a better interest rate and they were rude and unhelpful. I was perfectly happy to pay off this debt until then. Fingers crossed then.

 

I will keep you posted on events.

 

Thanks.

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Thank you all for your responses.

 

I have received nothing from MBNA so I amended the Account In Dispute letter linked further up the thread (looks amazing by the way) and this afternoon I will post it registered delivery.

 

So let the games commence. If I am successful with this whole thing I will be extra satisfied because I spoke to customer services there a couple times asking them to give me a better interest rate and they were rude and unhelpful. I was perfectly happy to pay off this debt until then. Fingers crossed then.

 

I will keep you posted on events.

 

Thanks.

 

 

'tis important now though to have no verbal contact- its so easy to say or aver to something verbally which may later come back to haunt you

 

keep it strictly in writing

 

if you can afford a truecall- this will make life soooooooooo much more stressless in dealing with these fine folk!

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  • 3 weeks later...

Hi everyone. Yesterday (15/07/09) I got a call from Aegis asking me to confirm my details with them, I said there is no point seeing as my account was In Dispute and I was not prepared to discuss the mater on the phone.

 

Today (16/07/09) I got a call from Global Vantage, I asked them if they were Aegis and they said yes. I explained AGAIN that I was not prepared to discuss the matter. The lady convinced me to confirm my details so she could update my account with the correct details of the status, no harm there.

 

So I explained where we were and I confirmed in no uncertain terms that I was not prepared to talk to them or MBNA about the matter on the phone, only correspondence by writing would be acceptable. She said she would hold off the calls to me for 1 week.

 

I responded by saying that she would be wasting her time calling me back because I will not respond and if they call me back I will report them to the Ombudsman for harassment. She then went away for a couple mins then came back and said ok, she will update the records to reflect the fact that nobody is to call me.

 

How did I do and what will happen now ?

 

Cheers all.

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Hi

You did well sticking to your guns but I bet they will ignore you and start ringing again

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Im having the same prob as you, but no calls.

 

Go to your online account and ammend your contact details - put in a couple of old mobile number or something. Seems to me like this automatically updates there system.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi everyone. Yesterday (15/07/09) I got a call from Aegis asking me to confirm my details with them, I said there is no point seeing as my account was In Dispute and I was not prepared to discuss the mater on the phone.

 

Today (16/07/09) I got a call from Global Vantage, I asked them if they were Aegis and they said yes. I explained AGAIN that I was not prepared to discuss the matter. The lady convinced me to confirm my details so she could update my account with the correct details of the status, no harm there.

 

So I explained where we were and I confirmed in no uncertain terms that I was not prepared to talk to them or MBNA about the matter on the phone, only correspondence by writing would be acceptable. She said she would hold off the calls to me for 1 week.

 

I responded by saying that she would be wasting her time calling me back because I will not respond and if they call me back I will report them to the Ombudsman for harassment. She then went away for a couple mins then came back and said ok, she will update the records to reflect the fact that nobody is to call me.

 

How did I do and what will happen now ?

 

Cheers all.

 

pretty well but only 7/10 because you broke the golden rule

 

do NOT give any information (even the time of day) on the phone

 

If you cant avoid answering the phone then the golden rule is to refuse to give any part of the security information, without which THEY will end the call because they cannot proceed past this point

 

they may tell you (dont argue this on the phone) that just giving them say the YEAR of your birth is ok

 

is it? and next time someone says "just give me the month"

 

see where it's going

 

You need EVERY word Every intonation IN WRITING

 

ignore the golden rule and it may well come back and bite you on the bum

 

stay focused

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