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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • 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”  
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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All,... New to the site & have read a fair few posts and decided to claim my charges back,...I do have statements dating back to 2000 but only a few for each year,..(Off what I have the charges are £1700)....I posted the SAR to my local branch on Monday 7th August,...(only problem the Misses posted the letter with the £10 fee ...But never registered the letter)....(Would it be wise to resend again by recorded delivery?...)(Also could I speed them up to get over the stalling tactics?....like making a reasonable estimated claim!(Going off the statements I have,...(After the 14 days of waiting for the statements of charges).....Any thoughts welcome,......Best Wishes All.

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Yeah think thats what I will do,....Will give it till Monday and give them a call & if for some strange reason they have not recieved this with payment !Then I shall send again recorded delivery,..

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Monday 14th recieved 12 months of statements!!,....In 12 seperate envelopes,..No letter in any of them replying to S.A.R request,...Then today recieved the micro excuse,....Will be back incontact with them,...But think they are responding quick,..after reading other posts,..Is it best to just send a reminder that 40 days are still running to comply with request????And one more thing ,..Once I recieve these & have the charges worked out can I file my claim when ever I choose,..Or is they a time scale??????Thanks

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Yes, the forty days of your request are still running. Regarding the Microfiche, from what I have read, I think alanfromderby created an excellent template to send now. When and if you receive printouts of your account you'll then need to submit a LPA, see templates and FAQS. Do you bank with shABBEY then?

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  • 4 weeks later...

Hi Folks,...Well sent my S.A.R letter on the 4th august,..recieved a reply from pam speed,..(usual reply "microfiche excuse supplied some statements but never displayed charges,..good job I have 3 years worth of statements with these charges showing)(how sly are abbey)...Well my 40 days is nearly up,...Instead of waiting on abbey ,As I think I have waited enough,..plus I know their will delay things,..Should I File a estimated claim going off the charges I know about & have proof of,.. As after reading other posts,..abbey seem to be laughing at the non compliance letters,...my charges in the 3 years I know about are £1740,..So was thinking of doubling this figure ,adding a nice holiday and see if abbey contest this,..or at least it will get them to send out the info I need,..Any advice or thoughts on this is more than welcome,..thanks in advance.

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No in court you will need the exact figures. I know it sucks but they will take you to town if you don't get them correct. I would call them everyday and write to them till they supply you with what you need. Im sure if you look in the contact details here there will be a direct number you can call. Hope this helps, just shout if you need any other help.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi thanks for the reply,...But surely if abbey do not respond,..then a estimated claim must be better than no claim,..As figures could be ammended if or when abbey decide to send what I requested,..And if my estimation is a little bit on my side then surely their will want to show the true charges their unlawfully taken out my account,..40 days is approaching,..And abbey are stating that the information is on microfiche and not be subject to the 40 day ruling,..So the best advice is to wait on abbey?....I thought there is a time table to stick to,...I was thinking LBA,..Am I right in thinking this?..quite confused now,..please help thanks Michelle.:confused:

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No in court you will need the exact figures. I know it sucks but they will take you to town if you don't get them correct. I would call them everyday and write to them till they supply you with what you need. Im sure if you look in the contact details here there will be a direct number you can call. Hope this helps, just shout if you need any other help.

 

I do no believe this is correct.

 

If you have the full data then use it, if you have partial data then you can use that to prepare an estimate.

 

What the courts would get really mad at is if you just plucked a figure out of the air.

 

It is entirely reasonable to make an estimate using the information you have to determine what type and how often those charges were applied.

 

If you do make a claim on this basis it is then prudent to offer to amend it should the dat become vailalbe from the abbey.

 

If you disagree with this approach thats fine but the reality is if abbey end up supplying you with the data then you can never sue. If you have evidence they have unlawfully taken money from you and use this to estimate the rest, they will have to produce the data for the court to prove you are wrong.

 

 

JMHO

 

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 Glenn ,And thanks for the advice,..Think I will send a estimated claim tomorrow,..I am on the 34th day (today) ,..Or do you think best to see if they supply the full request of charges,..But thinking about waiting will give the abbey a extra 20 days to play they delaying tactics,..(another 6 days till 40th day deadline,..7 day non compliance,..further 7 days LBA,..Is this correct?...

 

I do have nearly 3 years worth of statements which show these charges applied to my account,..Will this speed things up,..Will wait on replies and work out these charges in a spread sheet,..thanks again all best wishes Mx

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Personally i waited more or less till the 40 days were up then sent in prelims with estimates where i didnt have all the statements.

 

Then at the same time send in your SEc 7 letter under the dpa .

 

HTH

 

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 Guy's,.....well the 40 days are up tomorrow recieved 12 months of statements from shabbey with a letter with the microfiches argument,...I have 3 years worth of statements with charges on them,...was thinking of sending a estimated claim tomorrow for the charges I have proof of plus the same again for the 3 missing years,.(which shabbey have not supplied info on,...)What is the best way to do this?...non-compliance or straight in with estimation,..Well got this evening to decide the best route,...I have read,and re-read the FAQ's,..and still a little confused,..all advice is welcome with open arms look forward to all your replies thanks in advance M.

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What sort of amount are you looking at claiming for the three years?

As the 40 days are up to get the ball rolling I would start your claim for those three years including a schedule of charges etc. and possibly adding at the end that as you are not in receipt of all the information the amount you are claiming is for three years only at this point but will change as and when you receive the additional information. So;

1. Start your claim with the intial letter requesting money back attaching the charges schedule to it. Including a passage which says the claim amount is likely to change. Letter - Preliminary approach for repayment which you will find in the Bank Templates Library along with the schedule of charges spreadsheet.

2. Send the Data Protection Act - Non-Compliance - Template Letter which again you will find in the Bank Templates Library this is for the missing charges.

That is what I would do but obviously the choice is yours you may want to give the bank a ring and find out where the missing charges information is before you do anything but I wouldn't rely on them coming up with the information any time soon!

Hope that helps

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi Boo,...Thanks for the reply the charges total £1750,..I know I said I Have 3 years worth of statements ,but these are a few months out of each year dating back to 2000,...Will this confuse things in the future should I need to submit a second claim,....Can I not just double this figure for the missing 3 years worth of charges?,..I only ask this as I know the shabbey will be stalling things ,Maybe that might make them sit up especially if I be a little generious on my side,..As my thoughts are why should we listen and wait till abbey are ready,..TO PAY THE MONEY/CHARGES THEIR HAVE edited taken from us,... should we not be entitled to OUR MONEY/UN-LAWFULL CHARGES straight away?....M

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Hi again folks,...sat waiting on replies with help,..I am ready to attack shabbey but need some more thoughts on this,..here is the preliminary I will be sending

 

 

I have removed the preliminary letter from your post as it is posted in full in the templates library here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html

__________________

 

plus I will be sending a non-compliance letter as 40 days are up,..do I add interest with schedule of charges,...:confused: ,...must figure out best course of action tonight ready for in the morning,...HELPPPPPPPPPPPPPPPPPPPPPPPPPP.Mx

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Hi Karne,...Think you have cleared a few things up ,.. But still do not understand this bit.

 

The best way is to work out your average monthly amount, and then where a months statement is missing enter" Estimated for 1st - 31st July 2006 in the description on your spreadsheet. The you can use this for your preliminary letter"

 

Karne I have had a reply back from abbey confirming S.A.R & NO manual intervention,..so ready to go I think,...will be completing spreedsheet after hearing back from yourself,..

 

sorry about seeming to be thick,..just want to do it right,..Thanks again Karne best wishes Mx

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Hi folk,..quick question/concern,...my claim is just under £5000(£4970),..will be sending schedule with prim letter,...If /when I file for county court,..would the court costs I add on to the claim take me over the £5000 mark and therefore be pushed into fast track??????I know the interest will not matter if it takes the total over £5k,..Is this the same with court charges,..Ready to go but just checking final details as removing any risk of showing the bank that I do not know what I am doing,..what are your thoughts on this,...best wishes all M

 

One more thing,...I have placed a part estimated claim,..Do I SHOW HOW i Worked out the estimated figure on the schedule?..And would this be explained on spreed sheet or in part the prim letter?...thanks

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With the interest included the claim will be over £5k,..So the court fees will be £250 ,(Which are recoverable??/)...Well sure it will be £250 well spent,Thanks for straightening that out ready to go now ,Thanks everybody who has helped & good luck all Mx.

 

last question nearly forgot,...do I add the calculated interest on these charges????

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