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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      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.

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      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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Court Preparation


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Hi guys - Yasmin, the Forerunner as she shall now henceforth be known :D Eek, and myself have all received court dates (mine's mid-September) so I thought it would be quite a good idea to discuss here what we're going to send to the court and to Egg, and maybe to discuss a gameplan or tactics or intentions or whatever...What do you think?

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I think a going to court pack would be really useful. Thats the scary bit isnt it? I know most of what is needed is already here on the site, but bringing it together would be really good. I'm miles off court as yet, still waiting for my SAR to be fulfilled. but has anyone who has been to court or has settled and done their homework just in case, got anything to add?

 

Remember the 5p's :)

 

Preparation

Prevents

****

Poor

Performance

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Wish you all the luck with your court cases I used to work for egg lol and love reading all these posts - knowing them Im not surprised that they are going all the way they like to think themselves better than all the rest and they are not!! Im not quite sure why they think they are going to win when all the other institutions know they wont lol. All the very best for the court cases (if it even gets there) ;)

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im planning to rely on 1999 Consumer Credit Act (Unfair Terms in Consumer Contracts) and 1977 Unfair Terms (contracts) Act.

im filing my MCOL with HSBC next week so anyother bits of legislation or arguments i can incorporate into it would be nice :)

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Matheos95 - thanks for the encouragement :)

 

You wouldn't be able to confirm for us (obviously anonymously, without swearing on a bible lol) that their processes ARE automatic, would you? The letters they send - they appear to be unsigned, automatically produced letters, their charges appear to be added automatically by the system etc etc? :D

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I cant really part of the exit was a confidentially agreement - but lets put it like this do you think any large bank nowadays does any manual application of standard charges to ALOT of accounts - I DONT! The letters well I would guess that many CC companies have a list of standard letters by number in their system that they could request instantly via a computer system i would imagine there could be anything upto 50+ letters to choose from, but i would also guess that there is alot of manual letters that go out to!! sorry cant help much but still have my fingers crossed for you.

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well ive written to hsbc telling them that actually their justification of the charges being set out in t&cs is erroneous because these charges are illegal under consumer legislation 1977 Unfair Terms (contracts) Act as well as 1999 Consumer Credit Act (Unfair Terms in Consumer Contracts) and this is why the OFT is investigating and your customers are taking action against you. As a consumer I am protected by Unfair Terms in Consumer Contracts Regulations (UTCCRs) and it is under this legislation that I believe a court would rule in my favour.

the OFT website has a very useful section in there about what is an unfair charge and it clearly states that a punitive charge is an unfair charge.

overdarft charges are punitive becuase they dont reflect the cost of generating letter becuase as it has been said these things are done by automated systems.

as there is no clarification made on statements between what is a manual intervention and what is automated, the customer does not receive full transparant account of what they are being charged for.

i have also read that:

Under 1977 Unfair Terms (contracts) Act, the sheer fact that ALL banks make these charges makes this a breach of the act (the example given is exactly that)

i want to look into this and find out exactly how that works but it does make a convincing case doesnt it?

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Hi Tobes, Not long now.....Don't forget to include the O F T report, April 2006 Calculating fair default charges in credit card contracts. If you prepare properly and adhere to deadlines, even if they don't, it could prevent yet another adjournment.........????

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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You might like to consider how much they charge for statements or letters that are not part of their obligation under the Data Protection Act.

 

Not sure if egg are trying that, but the other banks are saying that their system isnt a relevant filing system and its a real pain to gather the data (ive only had an acknowledgement of my S.A.R from egg so far). Hence 3 quid per month or similar.

 

But they charge 20 quid or so for automatic letters and charges, cleary weird since manual intervention to provide microfiche statements would be quite time consuming, according to the banks and therefore the charges should reflect a commerical rate based on the time and effort dont you think?

 

Not sure this coud be used with egg but im sure it would interest a judge for banks that do this.

 

HTH

 

Glenn

 

PS if you wan to see what i wrote check out Glenn vs Barclaycard, having re read it i would make some changes but then i always do that.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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YW

 

It came to me when i got the letter from barclays saying how they didnt understand about smith vs lloydd or whatever its called.

 

I wrote and asked how they could justify theyre chagres bearing in ind the disparity between the effort of the two actions.

 

Wonder if anyone will read it at barclay card or it will end up in the 'not satisfied pile'!!

 

Like to be there if if they do just to hear what they say.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Tobes, Want any support in court? Know it's September ;-) . Just let me know!

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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