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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Claim Stayed – Due to Unenforceable CCA Test Cases.


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IMHO, I believe that the majority of posters on CAG are above board and genuine; they just want to sort out their problems...

 

However, there clearly are some deep trolls on CAG, not much that can be done about that, apart from avoiding them

 

Just be cautious with regards to receiving PM's from unknown or, untrusted members.

 

Common sense really!

 

Carry on fighting Guys.

 

AC

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Drat you’ve caught me out…..yes I admit I was recruited straight from Cambridge to the MI8, a banking based secret policing unit aimed at consumer oppression and misguidance. I spent 25 years in a normal career just to allow me the chance to appear as an ordinary person and build a credit history and credit file. I even managed to build a successful business and part of me wanted this to continue however I knew deep down that my true vocation was debtor persecution so I did a poor deal and allowed my business to collapse. This gave me the opportunity to preset my self as a debtor with over £80k in debt and I even allowed one DCA to get a default judgement just to make it look convincing.

 

It wasn't easy I went from a new BMW to a 10 year old ford even took my children out of private education but the cause was worth this pain to my family. then,2 years ago I was able to infiltrate CAG and even managed to even fool some of the site team including pt who entered into private correspondence to help me with my court case against 1st credit , obviously being a Cambridge undergraduate I was able to learn about consumer credit law very easily however I would post the most basic questions in the early days just to make it look like I didn’t really know…lol……I even helped others with letters, defences and companies I supposedly had “dealings” with such as Marlin and Cabot this gained build a good level of reputation points and my deception was complete until now…

 

Damn you B3rty - just submitted my defence based wholly on your threads..........if only i'd known sooner :D

 

M

 

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IMHO, I believe that the majority of posters on CAG are above board and genuine; they just want to sort out their problems...

 

However, there clearly are some deep trolls on CAG, not much that can be done about that, apart from avoiding them

 

Just be cautious with regards to receiving PM's from unknown or, untrusted members.

 

Common sense really!

 

Carry on fighting Guys.

 

AC

 

agreed.

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Weren't we at Cambridge together?

 

Highly likely lol.

 

But on a serious note.........

On a serious note debate is healthy and just because someone has a differing view or asks questions doesn't mean they are not all genuine....all it takes is a little look at early posts to get a feel for that person and its quite interesting how most of us come here pretty ignorant then over time build a knowledge base and a mind set that's a million miles away from those early days.

This is soooooooo true. I make a strong point of checking out the threads (and advice and help given) of all that help and advise me. I read my own early posts with horror about how little i knew even though i'd been reading threads as a 'visitor' for some months. And some of the best advice i've found on this forum is by reading 'debates' on other threads as it usually gives you a wider view than single source advice. Everyones experience on here is personal to them and them only - then you join CAG and you realise the benefit in sharing that experience and before you know it you're the one giving advice lol. So i'm also for debate and it's up to the individual reading that debate as to whether or not they use the information.

 

M

Edited by MandM
typo

 

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Hi,

Just one more point. For those of you that are new to CAG always post unsolicited PM advice on your thread, hopefully you will get confirmation from one of the site team that the advice is sound.

LIBM

DCA’S will try and hoodwink you left, right and centre. Always remember slowly slowly catch the monkey!

Edited by letitbeme
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Hi,

Just one more point. For those of you that are new to CAG always post unsolicited PM advice on your thread, hopefully you will get confirmation from one of the site team that the advice is sound.

LIBM

 

DCA’S will try and hoodwink you left, right and centre. Always remember slowly slowly catch the monkey!

 

Well said mate.

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Hi,

Just one more point. For those of you that are new to CAG always post unsolicited PM advice on your thread, hopefully you will get confirmation from one of the site team that the advice is sound.

LIBM

 

DCA’S will try and hoodwink you left, right and centre. Always remember slowly slowly catch the monkey!

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

Having fought Natwest now for 20 years, I'm pleased to see that there's now so much more informed debate into Consumer Credit Law these days, thanks to sites like CAG - whereas when I set out I was treated as a trouble maker by many, and not just by those who worked in the credit industry. However, where I did benefit from my own research - where I was guided by the (then) fantastically "open and helpful" team at the OFT - (they're very guarded, defensive these days) and which benefit I believe would assist others who are keen to understand (and to even further) this important are of the law is to read Lord Crowther's white paper from 1971 "Consumer Credit - Lord Crowther - Report of the Committee [Command 4596])" that preceeded the Consumer Credit Act and from which report Francis Bennion drafted the Act, replete with all its areas that cause bafflement IF one hasn't read the white paper !

He particularly criticizes the Common Law for the very same reasons that appear on this site every day !

Unbelievably, it's "out of print" (that'll give the conspiracy theorists something to eat for breakfast !) and any search I've tried only comes up with references to my own site www.ruinedbynatwest.com. Why is it not referred to by the bench in the (otherwise) very difficult cases they appear to grapple with - the Report makes it all quite plain - where the benefit of the doubt should go.

I say that because at the moment the benefit ends up with the trader in the majority of cases - where the non-application of the Consumer Credit Act serves as "An enactment for the protection of Creditors" (in eg Story) instead of the CCA's stated claim that it is "An Enactment for the protection of Debtors".

 

I'm waiting for the chance to ask the Courts why is works (or doesn't work) like this where the white paper is very clear ?

 

So, how do we go about getting this highly relevant white paper back where it belongs - in the thick of the fight ! It's as pertinent and crisp as it ever was.

 

HELP !!!!!!!!!! IS THERE ANYONE OUT THERE !!!

 

John Story smilie.gif

 

First Defendant Natwest V Story & Pallister (CA May 7 1999)

Edited by ruinedbynatwest
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------------------------------------

" A.C." ? "Angry Cat" ???

More like "T.C." !!!

 

Thanks Top Cat !

 

This Hansard Report from 1972 really is a MUST READ ! Lengthy, but still spot-on.

 

Just goes to show, dunnit ?

20 years and I never found that little "chat".

I ask one question on CAG and Voila !

 

On Crowther - he was quite a character, a heavyweight economist who was committed to (here, Consumer) education. Here's a quote from the man himself,

 

"It has been said that there are two aspects of education, both necessary. One regards the individual human mind more as a vessel, of varying capacity, into which is to be poured as much as it will hold of the knowledge and experience by which human society lives and moves. This is the Martha of education and we shall have plenty of these tasks to perform. But the Mary regards the human mind more as a fire that has to be set alight and blown with the divine afflatus. That also we take as our ambition."

 

 

John Story smilie.gif

 

www.ruinedbynatwest.com

Edited by ruinedbynatwest
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Have read through this thread with great interest.

 

I absolutely endorse the view, posted above, that the onus should be on the claimant (who starts proceedings) to prove what he is claiming, not for the defendant to disprove it. In this case by claimant I mean creditor / bank / credit card company and by defendant I mean debtor / consumer.

 

Somehow this onus has shifted, it now seems that the debtor is the one who carries the burden of proof, that in many cases it is now the debtor who is forced to disprove what the creditor is claiming - even where the creditor does not have the legally required paperwork.

 

That is wrong on so many levels, not least legally. There is a fundamental human rights issue here, an abuse of rights granted to the individual. I've read some posts about the Francovich ruling, which I must admit I don't fully understand, but hopefully others can.

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Have read through this thread with great interest.

 

I absolutely endorse the view, posted above, that the onus should be on the claimant (who starts proceedings) to prove what he is claiming, not for the defendant to disprove it. In this case by claimant I mean creditor / bank / credit card company and by defendant I mean debtor / consumer.

End Quote

 

-----------------Thanks for that, dp77 !

When fighting Natwest V Story & Pallister ("Story") back in the mid 1990's we saw the burden of proof shift from the plaintiff (Natwest) to us (defendants) - the early papers included one issued from the Court which read "Did the CCA apply to the borrowings at any time and if so, when? - was somehow changed (at some point) to us needing to prove to the criminal burden of proof (100%) in the common law, that a strict refinancing term existed ! In other words, in Story, Natwest, to the judge's knowledge, documented nothing with the result that our pleadings in our witness statements of "Oh yes we did", were disregarded to the Judge's satisfaction when Natwest simply countered "Oh No you didn't" - even where existing agreements were regulated and where the bank had not written anything in relation to those regulated agreements. The bank's silk, Andrew Smith QC admitted that the Act applied but that was ignored by the Court !

 

The bank had destroyed its main investigative files, (which included its own analysis of the CCA -item 151 in the discovery list) at a time when the Court asked for it, reasons given for the destruction "due to constraints of space" !!!

 

HHJ Jack QC shook his head, but he allowed the bank the benefit of that destruction, when he knew that the Bank of England and the OFT were waiting to see it under their own regulatory powers.

 

 

As I'm saying here, the bank found it easy to deny what had been agreed verbally, and it's denial to the Court was REINFORCED by the lack of written evidence. Because much was not documented and then because much was destroyed, the Judge found very little reliable evidenece where he presumed that we were "won't pays", itself offensive to the very mainstay of the CCA which presumes correctly that the bank was up to mischief, where the CCA provides that (most) regulated agreements must be evidenced in writing to be legally enforceable to protect the consumer by default and not the other way round when the form of the agreement is faulty.

 

The CCA is entitled "An enactment for the protection of Debtors" but we increasingly see it has become "an enactment for the protection of creditors" for the very eason you raise dp77 where the burden of proof is unfairly shifted onto the consumer - the Act presumes that unwritten or "improperly executed" agreements are mischievous - but it does so in the knowledge that the creditor, with his superior resources, will learn from the odd refusal, and will take the loss in the knowledge that he can spread it over his business.

John Story smilie.gif

 

www.ruinedbynatwest.com

Edited by ruinedbynatwest
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Hi there, the preliminary hearing in Manchester is to determine several legal principals. 13 cases have been chosen and all other cases are stayed pending the hearing. The Trial window is scheduled for March 2010.

 

HHJ Waksman has said that he does not consider himself bound by the McGutherick case as he is sitting in the Mercantile court.

 

Will try and update later on in the week

 

http://news.bbc.co.uk/1/hi/business/8365018.stm

Edited by letitbeme
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Hi there, the preliminary hearing in Manchester is to determine several legal principals. 13 cases have been chosen and all other cases are stayed pending the hearing. The Trial window is scheduled for March 2010.

 

HHJ Waksman has said that he does not consider himself bound by the McGutherick case as he is sitting in the Mercantile court.

 

Will try and update later on in the week

 

BBC News - Credit card debt cases face showdown

 

Do you know if any of the cases were looking into when no original agreement is available i.e. lost, destroyed etc.?

 

I read somewhere that nobody was disputing that it could not be enforced (pre April 2007) in such a case but I am sure someone mentioned they might look into if it was an Unfair Relationship as per the new CCA 2006 terms.

 

An agreement being unenforceable is one thing, doesn't g'tee getting them off your back but an unfair relationship ruling should.

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Do you know if any of the cases were looking into when no original agreement is available i.e. lost, destroyed etc.?

 

I read somewhere that nobody was disputing that it could not be enforced (pre April 2007) in such a case but I am sure someone mentioned they might look into if it was an Unfair Relationship as per the new CCA 2006 terms.

 

An agreement being unenforceable is one thing, doesn't g'tee getting them off your back but an unfair relationship ruling should.

 

I believe MBNA lost a test case in Manchester today where they could not produce the original agreement.

They also threw in the towel on two cases yesterday in the same court

MBNA settled both cases and agreed to pay costs, one balance was 11038 pounds and the other was 6200 pounds :grin:

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Dec

01Success over MBNA

Written by Andrew | Filed under In the News | No Comments

 

MBNA capitulates just hours before the trial begins!

 

Two clients, two credit cards with balances totalling £17,256 and one claims management company determined to champion for the consumer.

 

Credit Issues had brought legal proceedings against major credit card lender MBNA for what they believed to be significant failings in their obligations under the Consumer Credit Act. However just hours before the trial was due to commence at the Manchester Mercantile Court Credit Issues’ nominated solicitors for the case, BPS, were contacted by a representative from MBNA asking what it would take for these cases to ‘go away’.

 

The answer was simple, ‘what is right for the client’ and in this instance that resulted in a full write off of the outstanding balances, a total of £17,256.

 

Credit Issues are at the leading edge of the claims management industry with what is believed to be the most advanced legal argument of any CMC. Legal Services Director, Lee Lipson, comments ‘Today’s result is a signification move towards forcing lenders to accept responsibility for what we believe to be serious failings. In this instance it was clear that the lender, MBNA, had failed to comply with the regulations and has resulted in the clients having a substantial sum written off. We would have liked to have met them in court today however the right outcome for our clients has been achieved and we are celebrating.’

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I believe MBNA lost a test case in Manchester today where they could not produce the original agreement.

They also threw in the towel on two cases yesterday in the same court

MBNA settled both cases and agreed to pay costs, one balance was 11038 pounds and the other was 6200 pounds :grin:

Thanks for info Axiom may I ask where info came from and do you have case ref numbers?

G

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Dec

01Success over MBNA

Written by Andrew | Filed under In the News | No Comments

 

MBNA capitulates just hours before the trial begins!

 

Two clients, two credit cards with balances totalling £17,256 and one claims management company determined to champion for the consumer.

 

Credit Issues had brought legal proceedings against major credit card lender MBNA for what they believed to be significant failings in their obligations under the Consumer Credit Act. However just hours before the trial was due to commence at the Manchester Mercantile Court Credit Issues’ nominated solicitors for the case, BPS, were contacted by a representative from MBNA asking what it would take for these cases to ‘go away’.

 

The answer was simple, ‘what is right for the client’ and in this instance that resulted in a full write off of the outstanding balances, a total of £17,256.

 

Credit Issues are at the leading edge of the claims management industry with what is believed to be the most advanced legal argument of any CMC. Legal Services Director, Lee Lipson, comments ‘Today’s result is a signification move towards forcing lenders to accept responsibility for what we believe to be serious failings. In this instance it was clear that the lender, MBNA, had failed to comply with the regulations and has resulted in the clients having a substantial sum written off. We would have liked to have met them in court today however the right outcome for our clients has been achieved and we are celebrating.’

 

Interesting result but doesn't this defeat the object of having test cases?

How can any precedents be set if the creditors run away?

Great result for the debtor but this isn't what was supposed to happen, surely!

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