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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.

      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.
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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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I have about £30,000 of debt with 6 different creditors. Ive been paying money I havn't got every month so I tried to start an IVA. I paid them over £500 to check out my case. I was advised to change my bank account and stop paying large amounts and refer the creditors to them. This I did but interest was being added on all the time. It took 5 months and it finally came back that it was declined.The debt is now bigger than it started and my phone rings day and night with people chasing me. I dont answer the phone anymore because im frightened to talk to them. I dont know where to start and which way to turn. Can anyone help me please?

 

Info about me: Im a single mum, I work part time, I rent a house and I own my own car but dont think its worth much.

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I think that you should consider bankruptcy. We are getting very positive reports about the sympathetic way that bankruptcy applications are being treated and the way that interviews are being conducted.

 

have a look at some of the threads in this forum about it.

 

I think that you will feel very reasssured.

 

You have given them a chance with an offer of an IVA. They have refused. Now they face the consequences.

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I tried an IVA but its been declined which is why I started a thread asking for other help. Thanks anyway.

 

Sorry to hear about your problems, i was very concerned to read that you paid such a large amount to a company for an IVA and then they decline you !

 

Have you tried Debt Free Direct, i entered into an IVA with this company, they never charged any upfront fees, at first they did decline my acceptance, because the creditors would not receive enough money back, after sevaral conversations with the company and creditors they agreed my acceptance for the extremley low amount of 17 pence in the pound, at the end of the day it was either this or nothing.

 

I entered into the IVA before i found this website, knowing what i know now i would probally do it myself, possbily stressfull etc, may be you could attempt the DIY solution.

 

In any event i hope you get things sorted, take care.

The retailers worst nightmare !

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You should certainly look into bankruptcy as suggested by Bankfodder. In all likelihood you will be discharged after 12 months and unless you have an expensive car the OR won't be interested in that.

 

Rather than paying for further advice, you could just call the nearest Insolvency Service Office and talk to someone there.

 

Good luck!

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What a nightmare - it shouldn't have took them 5 months to tell you No. I'm assuming its a claims company. Did all your creditors refuse the IVA or just one?

 

Licensed Insolvency Practitioners are regulated, I think by the Institute - are these claims companies?

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hi red shocker have you contacted the natinal debtline for advise . they are really good and non judgemental.

 

National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000

 

I fully agree. You need some free (and more importantly holistic) advice. Give NDL a call. To be honest based upon the brief info given within your thread I would imagine an IVA would have been TOTALLY the wrong option for you.

 

Best wishes,

 

Seq.

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I tried an IVA but its been declined which is why I started a thread asking for other help. Thanks anyway.

 

Hi

 

On what grounds were you refused, did you attend the meeting? the reason I ask is because a few yr ago I too with the advice from a so called debt management company tried to go iva, handed over £5/600 quid and a week later they said did not have enough debt??

 

Back then I was so niave so welcomed any help that took away the grief from me and my telephones and letterbox.

 

Ask for the report, because if your representitive is like mine then they done nothing but ' drink ' the fee and lied to me.

 

Mr W

Regards..Mr Worried :)

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If I were you I would opt for bankruptcy. I'm in the same position as you, single mum, rented house, car on finance. My B/R went through in August. I was terrified, but now that I look back it's the best thing to happen for me. Loads of debt from my ex husband, bills mounting up, house repossessed. I owed in the region of 75k.

The Official Receiver was fantastic. They have said my car is exempt; I have no payment plan in place :)

I would seriously consider it if I was you. How much is your total debt??

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Hi, sorry about my post above, must've been on a different planet!

Unfortunately until the IVA is set up, the creditors will continue to add interest onto the accounts, however I am sorry that you have ended up with an increased amount of debt.

You could either enter into a debt management plan or look into the bankruptcy option.

With the debt management plan, you could pay an affordable amount each month until your debt is cleared in full. You can end this arrangement whenever you want, therefore if you decided to try again for the IVA, or go bankrupt in a years time, you could apply for this then. At least with the debt management plan, you have less pressure of making payments and dealing with correspondence yourself - the company would deal with it for you on your behalf. You would also not notice the amount coming out of your bank, as you can set up a standing order or DD for your payment.

With you having no assets of a high value, you would not lose anything by going bankrupt,however it does carry a stigma attached to it, such as affecting promotions, employment and future credit.

Also, with you working, you could be asked to pay into an income payment order in bankruptcy where you would be required to pay in a monthly payment each month for 3 years until discharged.

 

Best wishes

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Hi to all,I am at the moment receiving advice & help with filling in Papers for Bankruptcy,But it Scares me ridged,My husband went off in March leaving me with all the Debt,The House was repossesed in August,So i am now in Rented accommadation,Single Mum,i work from home & need a car for my work,But have been told that the OF could class it as an asset,the car is on Finance but agreement with my son in law,i am so scared it will be taken he will lose out & i wont be able to afford another car & so i will not be able to do my work,(i am a curtain maker,so need a vehicle for collecting & dropping off the work).

If i dont do the Bankruptcy i will then be responsible for the shortfall on the Repossession although it is in joint names the mortgage was based on my husbands earnings,But the mortgage company doing nothing to find him & his whereabouts although i have given them forwarding work addresses,telephone numbers added to this all the other debt,i will have to find around £75-80,000,The Bankruptcy just scares me so much,I just need a little enlightenment from a fellow Cag member,A bit of an insight as to how they dealt with it all,Please can anyone Help

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hi jane dont be scared of BR , it get easier and you will feel a lot better once the deed is done.

regarding the car if you can show to the OR that you need it then you will be able to keep it.

regarding the house dont sing a deed of acknowledgement.

 

if you have uqestin on your own please start a thread we will help you.

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SORRY - HAVE MIXED UP OP AND LATER POSTER...

 

JANE1960, believe me Girl, if I was in your shoes I would be filing for bankruptcy.;)

 

This is the official insolvency site for you to take a look at...

The Insolvency Service Website

 

I'm pretty sure that if you need your vehicle for work then the Official Receiver will let you retain it, providing that it's a reasonable value and not a Ferrari or the likes.

 

Given the shortfall in the house repossession, I feel it's the only way you're going to get a fresh start, otherwise you are going to be harangued for years to come.

 

As Phat has said, best start your own thread for specific advice.

 

REDSHOCKER - Personally am not a fan of IVA's but at the very least, I would be pursuing the company concerned for a refund of my £500. I agree with Bank Fodder that you should investigate bankruptcy...see link above for the Insolvency website.

 

Regarding harassment...take a look at this link and, if you do happen to speak to them, tell them that you are only willing to communicate in writing....oh, and don't get fobbed off the with the line "...but we're a telephone bank!!"

 

http://www.consumeractiongroup.co.uk/resources/templates-library/52-harassment

 

Best of luck both!! :p

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If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Jane please try not to be so scared. My total debt was around 75k but i was made bankrupt by statutory demand and didn't fight it. Although it frightened me I knew it would be the best thing for me in the long run. I also have a car on finance, and the OR has deemed it exempt. The finance company are also happy for me to keep it although I am now bankrupt as I have never missed a payment on that agreeement.

My house was repossessed after I split from me ex husband. The shortfall is 45k. I now don't have to worry about it. My ex forced it to the point of repossession so now he can take the consequences.

My OR was brilliant. I couldn't have asked for someone more understanding. I can now sleep at night without worrying all the time. I wouldn't hesititate if I was you. If I can help you at all, please ask! x

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Redschocker, I do hope some of this sound advice is helping you cope. I also have fallen into a lot of debt and my creditors have been less than understanding despite what they pretend to portray. I have looked seriously into bankruptcy and my main concern was my vehicle. I understand that one was allowed to keep a car valued £2k or less but that has now risen to a value of £4k.:)

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hi jane this is an extrac from the Or technical manual which explained what do a deed of acknowledgement

 

33.154 Deeds of acknowledgement of debt – Solely and jointly owned property (January 2009)

A secured creditor may request a bankrupt to complete a deed of acknowledgement of debt when the sale of the property results in a shortfall. They may also request such a deed be completed by any non-bankrupt joint owner/borrower when the property was jointly owned. A secured creditor may request this transaction so that no dispute will arise as to the amount of the shortfall or so that proposals to repay the unsecured portion of the debt by instalments can be settled. However, the secured creditor is entitled to claim in the bankruptcy for the unsecured balance of its debt and it will be up to the trustee to deal with such a claim. If the bankrupt completes such a deed, a new debt might be created on which recovery action might be based at any time within the limitation limit. It is not for the official receiver to influence the bankrupt about how to proceed in this matter. If the debt is a joint debt, any non-bankrupt joint owner will be liable for the appropriate portion of the debt whether a deed of acknowledgment is completed or not. The official receiver should not object to the completion of a deed of acknowledgement of debt and if he/she becomes aware that the bankrupt has been requested to provide such a deed, the official receiver should suggest that the bankrupt seeks his/her own legal advice.

 

 

this is from this link

Dealing With Property With Minimal/No Equity

 

basically it is a document ( or a contract)issued by the creditor in which you are promising to repay the shortfall on the sale of your house when you signed say document. It is a sneaky way from creditor to squeeze you out even more moeny from you when you cant afford it ( this is my opinion).

i ho pe this heal please jane start a thread so we can answer more directly your question.

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Thankyou Thankyou to you all,But what did you mean when you said do not sign a deed of Acknowledgement,Also how do i start a new Thread

 

Go to the Debt Action Consumer forum and in the appropriately named one, the blue box in the top left corner says Start New Thread or words to that effect and then head it up Jane1960 vs (Name of your Creditor)

 

http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center

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Thankyou so much for your help.How do i start a new thread & what do i have to say in it,please i am so bloody thick,sorry

 

AA99 answerd it for you .

 

and you are not stupid nor thick ! there is no stupid question to ask only those who dont ask are stupid :D

 

another thing dotn ask for advise by private post as we may get some bad advise or unsolicited messages. and it is against the rule.

Edited by phat256
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