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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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      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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mauricetura
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To all those that I sent the draft witness statement to, I am told it was password protected and would not open - do contact me if you need a different template.

 

I must have a number of these before I can sit down with my lawyer and launch the action against MBNA

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To all those that I sent the draft witness statement to, I am told it was password protected and would not open - do contact me if you need a different template.

 

I must have a number of these before I can sit down with my lawyer and launch the action against MBNA

 

Mine opened ok (I use OpenOffice).

 

Will work on it tomorrow.

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Daear all

 

I recently contacted the OFT complaining about MBNA's conduct-they recently offered me a settlement figure or reduced payments which I agrreed to-then changed their minds and have started legal proceedings !!

 

I am attaching part of the reply-it may be worth it if everybody registers their concern witht the OFT directly

 

I can confirm that the businesses you mention hold consumer credit licences. Under the Consumer Credit Act 1974 (the Act), holders of consumer credit licences must be fit and competent to do so, and the OFT has a duty to monitor the fitness and conduct of all traders who hold such a licence.

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

We have therefore noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against these traders, it is likely that we would need to disclose your identity to these traders along with details of your complaint. I should therefore be grateful if you could sign the attached consent form and return it to me. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

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Each of you will recieve a draft template which includes many details - including the name of myself and my wife.

I am putting myself on the line here - it will be easy for MBNA to work out that I am a finance professional and currently on the FSA register.

 

If you have a trusted moderator please ask them to PM me and I will proved full information to give you comfort.

 

Hi Maurice. I understand that at least one moderator has asked you to contact the site admin so that they can confirm that their personal details will be safe, and that their own cases won't be compromised in any way.

 

If you contact admin@consumeractiongrou p.co.uk (no gap), I'm sure they'll be happy to look at your proposal so the site team can allay any concerns people have about giving out personal information.

 

I'm sure you'll appreciate from reading our rules that this is not the way CAG normally operates, but if there are special circumstances then obviously this would be looked at on its merits.

 

We caggers maintain our anonymity for good reason.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Please dont be naive about this. It is a standard response. In the end the OFT will recommend you take it up with others....

 

PM me and I can send you the examples of OFT wimp-out.

 

 

 

 

Daear all

 

I recently contacted the OFT complaining about MBNA's conduct-they recently offered me a settlement figure or reduced payments which I agrreed to-then changed their minds and have started legal proceedings !!

 

I am attaching part of the reply-it may be worth it if everybody registers their concern witht the OFT directly

 

I can confirm that the businesses you mention hold consumer credit licences. Under the Consumer Credit Act 1974 (the Act), holders of consumer credit licences must be fit and competent to do so, and the OFT has a duty to monitor the fitness and conduct of all traders who hold such a licence.

 

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

 

We have therefore noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against these traders, it is likely that we would need to disclose your identity to these traders along with details of your complaint. I should therefore be grateful if you could sign the attached consent form and return it to me. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

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Please request a petition at number 10 to

"we request the Treasury Select Committee to request a special investigation by the FSA into MBNA for systematic failures to observe fair treatment of clients and in particular provision of post contract information and complaint handling."

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Hi Maurice. I understand that at least one moderator has asked you to contact the site admin so that they can confirm that their personal details will be safe, and that their own cases won't be compromised in any way.

 

If you contact admin@consumeractiongrou p.co.uk (no gap), I'm sure they'll be happy to look at your proposal so the site team can allay any concerns people have about giving out personal information.

 

I'm sure you'll appreciate from reading our rules that this is not the way CAG normally operates, but if there are special circumstances then obviously this would be looked at on its merits.

 

We caggers maintain our anonymity for good reason.;)

 

For information, BankFodder has still received no contact, so I would urge people to take the usual care when giving out personal information to people they don't know.

 

Please don't take this personally Mauricetura, as I'm sure you can understand that people who post on CAG do not always have our users best interests at heart so always better to be safe than sorry.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro

I did PM bankfodder -

This is what I suggest - why doesn't one of the site admin pm me?

As for those that have joined the fight they recieve a template with a claim number, a court and a person.

 

I can confirm the witness statements so far supplied have gone to a lawyer.

This firm may be available on a no-win no-fee basis where MBNA make things complicated and a claim for harassment etc makes sense.

 

MBNA has already caused 10s of 1000s of pounds worth of damage to our credit rating.

 

Do not under-estimate just how beligerant MBNA staff can be.

 

I could use more witness statements - as many as possible please.

 

 

 

Hi Maurice. I understand that at least one moderator has asked you to contact the site admin so that they can confirm that their personal details will be safe, and that their own cases won't be compromised in any way.

 

If you contact admin@consumeractiongrou p.co.uk (no gap), I'm sure they'll be happy to look at your proposal so the site team can allay any concerns people have about giving out personal information.

 

I'm sure you'll appreciate from reading our rules that this is not the way CAG normally operates, but if there are special circumstances then obviously this would be looked at on its merits.

 

We caggers maintain our anonymity for good reason.;)

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Hi Caro

I did PM bankfodder -

This is what I suggest - why doesn't one of the site admin pm me?

As for those that have joined the fight they recieve a template with a claim number, a court and a person.

 

I can confirm the witness statements so far supplied have gone to a lawyer.

This firm may be available on a no-win no-fee basis :-o where MBNA make things complicated and a claim for harassment etc makes sense.

 

MBNA has already caused 10s of 1000s of pounds worth of damage to our credit rating.

 

Do not under-estimate just how beligerant MBNA staff can be.

 

I could use more witness statements - as many as possible please.

 

You have another PM.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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mauricetura!

 

I have to say this and I say it with the greatest of respect.

 

But, you cannot expect members to email 'Witness Statements' to an individual when one has no idea as to their true identity.

 

'Witness Statements' will contain data, which if provided to unknown parties, could prejudice any future litigation.

 

Please do not misunderstand me, I would love to see MBNA brought to account. However, I feel that it is only fair to know where ones information is going to end up and used for what?

 

My apologies, if I have caused any offence to you, that is not my intention.

 

AC

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Just to be quite clear about this, I am not trying to cast any doubts about this matter!

 

Personally speaking, I have many concerns about how, MBNA have conducted their business here in the UK. Together with concerns about how, they have treated Consumers in General.

 

I just want to know where my information is going;

who it is going to and;

where it will end up, if it is provided.

 

Quite fair and reasonable methinks.

 

Once again, I apologise if I have caused any offence.

 

AC

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But to be straight to the point - I provide the name of the litigant in person on the template witness statement.

 

After making a statement of my name to the site staff, my professional background etc I feel able to do little more than to pass a sample of my blood for DNA testing.

 

Right now I have five good witness statements - it is not enough to create a landmark case. I have hired a lawyer and barrister to fight out the case. If succesfull representation will be made, including by myself to the FSA.

 

If its enough to ensure MBNA is fined, it will have changed the economics for them and their complaints hanlding process will change very quickly.

 

The exercise involves a fine tooth combe going through the numerous FSA principles and practice guidelines.

 

Now given support to date, why would I choose that over settling out of court - the only reason is to serve the greater good.

 

So yes, some of you supplied personal information. But some of us have signed up to a rather onerous code of ethics,

 

I suggest that you have nothing to fear except fear itself.

 

Where will it end up, bundled in a court - some may be invited to speak - but its likely that your witness statement will be read as your voice of complaint to a judge about MBNA. Can it be published by the court?

I dont know, but I doubt it. Will it go to the FSA? If we win and you give consent.

 

But you make a witness statement in respect of a court claim, you should expect it to be presented at a court hearing.

 

Will MBNA be angry at you? Probably. Do you care?

 

Am I disappointed with the general response. Absolutely.

 

If we win I am sure CAG will benefit through a decided case to reference that by its nature will focus on the unfairness and consequential damages of a poorly managed complaints process?

 

The balances on credit cards will be small by comparison with the damages caused to consumers by refinancing costs of new credit, opportunity costs etc and general slur that adverse reporting during a default causes.

 

And did anyone try to get my petition suggestion filed. It has disappeared in the no 10 ether, neither rejected nor accepted....

 

 

 

Just to be quite clear about this, I am not trying to cast any doubts about this matter!

 

Personally speaking, I have many concerns about how, MBNA have conducted their business here in the UK. Together with concerns about how, they have treated Consumers in General.

 

I just want to know where my information is going;

who it is going to and;

where it will end up, if it is provided.

 

Quite fair and reasonable methinks.

 

Once again, I apologise if I have caused any offence.

 

AC

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by mauricetura:

 

After making a statement of my name to the site staff, my professional background etc I feel able to do little more than to pass a sample of my blood for DNA testing."

 

No doubt and in due course, the site team will advise!

 

AC

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But to be straight to the point - I provide the name of the litigant in person on the template witness statement.

 

What litigant in person? I thought you were seeing an expensive lawyer to deal with this

 

After making a statement of my name to the site staff, my professional background etc I feel able to do little more than to pass a sample of my blood for DNA testing.

 

I am seeking confirmation from .admin that they have received information from you. Your original PM to some team members did provide a name, but the information regarding your background was insufficient to allay concerns, which is why you have repeatedly been asked to email admin with more information

 

Right now I have five good witness statements - it is not enough to create a landmark case. I have hired a lawyer and barrister to fight out the case. If succesfull representation will be made, including by myself to the FSA.

 

If its enough to ensure MBNA is fined, it will have changed the economics for them and their complaints hanlding process will change very quickly.

 

The exercise involves a fine tooth combe going through the numerous FSA principles and practice guidelines.

 

Now given support to date, why would I choose that over settling out of court - the only reason is to serve the greater good.

 

So yes, some of you supplied personal information. But some of us have signed up to a rather onerous code of ethics,

 

What code of ethics is this? If you do not wish to disclose it here, please email the information to admin so that this can be confirmed with the organisation involved, and what it actually means.

 

I suggest that you have nothing to fear except fear itself.

 

People have to fear that their personal information may be misused for identity theft, their own cases may be jeopardised by this action. It is not unknown for DCAs to go on website to trick people so they can track them down, even if they don't have the legal right to enforce alleged debts.

 

Where will it end up, bundled in a court - some may be invited to speak - but its likely that your witness statement will be read as your voice of complaint to a judge about MBNA. Can it be published by the court?

I dont know, but I doubt it. Will it go to the FSA? If we win and you give consent.

 

Do you have a firm idea of how your plan will work?

 

But you make a witness statement in respect of a court claim, you should expect it to be presented at a court hearing.

 

Of course.

 

Will MBNA be angry at you? Probably. Do you care?

 

Probably not.

 

Am I disappointed with the general response. Absolutely.

 

The site team, including myself have received a number of PMs from people who are interested in your proposal, but concerned at the possible implications of passing personal information to a total stranger. If you will respond to requests for further information yourself, then you may get a better response.

 

If we win I am sure CAG will benefit through a decided case to reference that by its nature will focus on the unfairness and consequential damages of a poorly managed complaints process?

 

The balances on credit cards will be small by comparison with the damages caused to consumers by refinancing costs of new credit, opportunity costs etc and general slur that adverse reporting during a default causes.

 

And did anyone try to get my petition suggestion filed. It has disappeared in the no 10 ether, neither rejected nor accepted....

 

There are so many petitions for number 10 that we have found on this site that they are not an effective method of raising awareness.

 

I do not wish to appear negative to your proposal, but simply seek clarification of your intentions and verification of your identity so that caggers can be confident in dealing with you.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi mauricetura

 

But did you pass the test questions?

 

What is Martin Supples inside leg measurement?

 

Does Gail Powell prefer tea or coffee in a morning?

 

and most importantly does C White from RMA actually exist?

 

Joking aside, I can understand peoples reservations, you could be anyone and secretly work from MBNA.

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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Personally speaking and if I were mauricetura, then I would be totally open and upfront with members.

 

I would have provided actual contact details and not a google email address.

Together, with the contact details of my solicitor and any other details necessary to prove that all is above board.

 

Go and ask any solicitor and/or para legal;

would it be safe to send a 'Witness Statement' by email, to a stranger?

 

Obviously, the answer would be, NO.

 

AC

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I don't understand the reluctance. CAG has been campaigning and fighting financial institutions for over 3 years, has legally qualified and experience people who may well be able to offer support, advice, professional contacts etc to Mauricetura's proposal. Anyone else with suggestions has been very open to tapping into the accumulated knowledge of the site.

I can only re-iterate CAG policy of not passing personal information to people you don't know.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sorry AA, my PM box was full as it often is.. There's a bit of space now, but if anyone wishes to contact me I can be emailed. My addy is my caro@consumeractiongrou p.co.uk (without the gap).

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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