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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”  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Zebbydog v Yb ***WON***


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Zebby read my thread - you are about 2 weeks behind me

Yorkshire Bank Plc £3553.77 Prelim letter sent 14/9/06 LBA sent 22/9/06, MCOL Sent 10/10/06 MCOL Notice of Issue Rcvd 12/10/06, MCOL Acknowledged 17/10/06, £929.00 Offer Rcvd, 03/11/06 - Rejected, 09/11/06 YB Defended, 10/11/06 Transferred to Local Court, AQ Returned;) 30/11/06 Copy of Banks AQ Received, 1 month extra asked for by Clydesdale, 09/01/07 £2140.00 Offer Rcvd, 09/01/07 - Rejected, 11/11/07 Allocation To Small Claims Track, Court Date Set - 05/03/07, 15/01/07 £2590.00 Offer Rcvd, 15/11/07 - Rejected, 07/02/07 £3773.77 Offer Rcvd (FULL), 12/02/07 - Accepted, 21/02/07 - Chq Received for FULL AMOUNT. :)

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recieved defence from the bank today and must admit i am a bit baffled.To recap the claim is for charges made on curr acc and visa acc.In the defence papers there is mention of the curr acc and acc number.But nowhere in the docs is there any ref made to the visa acc.Also the claim is for charges made between august 2000 and september 2006.the docs only refer to april 2001 to september 2006.The figure quoted in the docs is £2613 for the curr acc during this period.The actual claim is £3055 for both accounts between 08/2000 and 09/2006,plus interst.So are they actually not defending the claim the claim on the visa acc? and could I claim this by default? The actual visa costs are just over £700 plus interest.So what to do now.Do i contact them or the court and point out the error.Or leave it for the time being, and then when i have done AQ claim the visa costs by default.They did say when they aknowleged on MCOL that they would be defending the whole claim.But as I say,there is no reference to the visa part of the claim in their defence.:confused:

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Write and ask them for a breakdown of the amounts quoted in their defence. It will take them months probably, but then you can see where they are coming from. On my breakdown they left off anything mentioning interest, but that was only on a current account.

 

Just leave it at that. It's their problem if they mess up the defence, so don't bother putting them straight. You would only get judgment by default on a complete claim, not a partial one.

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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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Received the AQ today stating that the case will be transfered to the county court local to where the claimant lives and then goes on to say this is Ipswich county court:o where the forms must be returned to.We actually live in Otley West Yorkshire,but I notice there Is an Otley in Suffolk near Ipswich.Do I point this out on the AQ and ask for it to be transfered to my local court in west yorks.Nothings ever simple is it

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Recieved an offer from Yb today,my original claim was for £3055,without interest.Their offer is £1880 plus £120 court costs.Roughly 62% of my charges.They also state that we are wrongly informed that they have imposed penalty charges as to do this we would have to be in breach of contract and at no time have we been in breach of contract and so the charges are a service charge.They included a discontinuance of proceedings to sign for the court,but unlike Judi they have included a statement that if we sign it they will not issue it to the court until they have paid us the offer.Will speak to gf about it tonight,but dont think this is going to be acceptable.had the offer been the £3055 then we would have had to think long and hard about it.As it stands i think we will be filling out the AQ this weekend.

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I would contact MCOL about the incorrect court I think zebby, and it sounds like you know what to do about the offer.

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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  • 2 weeks later...

Got the copy of the banks AQ today.They Have returned it to Ipswich.I suppose they dont know yet that it has been switched to leeds.I suppose the court will update them. They have no objection to small claims track,usual 2 witnesses,but have asked for 1 month to try and settle.Should I object to the 1 month stay?.When we go to court,I will be acting as litigation friend for g/f and doing all the talking (zebbydog bites:D ) do we have to inform the court and YB of this (not the biting bit:D )?

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I didnt object to the one month as they will more than likely settle out of court

Yorkshire Bank Plc £3553.77 Prelim letter sent 14/9/06 LBA sent 22/9/06, MCOL Sent 10/10/06 MCOL Notice of Issue Rcvd 12/10/06, MCOL Acknowledged 17/10/06, £929.00 Offer Rcvd, 03/11/06 - Rejected, 09/11/06 YB Defended, 10/11/06 Transferred to Local Court, AQ Returned;) 30/11/06 Copy of Banks AQ Received, 1 month extra asked for by Clydesdale, 09/01/07 £2140.00 Offer Rcvd, 09/01/07 - Rejected, 11/11/07 Allocation To Small Claims Track, Court Date Set - 05/03/07, 15/01/07 £2590.00 Offer Rcvd, 15/11/07 - Rejected, 07/02/07 £3773.77 Offer Rcvd (FULL), 12/02/07 - Accepted, 21/02/07 - Chq Received for FULL AMOUNT. :)

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Hi Zebby ,

In my opinion there is no need to inform court as to you being the litigation friend as we all know they will settle and it will not reach a court room.

 

Also as for the one month stay inform the court that you have given Yorkshire mor ethan enough time to try and settle your claim and beleive this to be yet another stalling tactic.On the other hand...the longer it takes them the more the 8% interest adds up so its your choice.

 

Jules

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  • 3 weeks later...

We called at ATM today 24th to check balance,knowing that a dd for £27 was due to go out on the 27th.Mini statement says the dd already gone out and dated 27th yet today is only the 24th.Had there not been some money in the acc,we would have been into charges for an event that has not occured yet:mad: What next will they stoop to?does anyone know what date these b*****S open after xmas?

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  • 2 weeks later...

Got letter from court today as follows

Claim No 6QZ73633

 

On the 6th of dec 2006

His honour Judge S P Grenfell sitting at the Leeds County Court considered the papers in this case and ordered that

 

1) The claim betransferred to the Mercantile court,Leeds District Registry.

 

2)The claim is reserved for all purposes to his honour Judge Kay QC.

 

3) Because this order has been made by the court without considering representations from the parties,the parties have the right toapply to have the order set aside,varied or stayed.A party wishing to make an application must send or deliver the application to arrive within seven days of service of this order.

 

Is this a good or a bad thing? there is no mention of a court date on the order.What happens now is it just a matter of waitng for a court date?

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Hi Zebby

Exactly the same letter as I have (same court too:D)

 

Dont worry about it just means they will pay up quicker as a Mercantile can set precedents better than a county court and deal with several cases all in one go.

 

No need to respond to the letter.

 

Ring the court and ask them if there has been a date allocated for the hearing as you haven`t got one on your paperwork(neither did I) as there are a few cases listed for the 7th of February .

 

It also means that YB will probably offer the full amount + costs but not the 8% interest . The 8% is rightfully yours so if you are abe to hold out for it.

 

Also send Caro a PM letting her know it has gone to mercantile she will be very interested .If her box is full(which it usually is ) email her [email protected].

 

Jules

 

Also seeing as you are local why not check this out

http://www.consumeractiongroup.co.uk/forum/bear-garden/50525-yorkshire-cag-do-26th.html

 

You are more than welcome to come as is anyone.

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Thanks for that Jules.Maybe a bit of light at the end of the tunnel eh?Hope we get the same day as you,could go for a beer on the strength of our victories :D

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Hi folks

Received a letter from YB yesterday offering £2613 + court costs of £120, no mention of £100 Aq fee,original claim is for for £3055 plus interest.I rang the court today and asked if they knew when the case would be heard.They have told us that the case will be heard in the Mercantile court in Leeds on the 7/2/07 before Judge Kay.Who will be hearing all the cases one after the other on this date.So not much more than three weeks to go now.So the next step is a letter to Ms Ross declining her generous offer.Cant wait to get in there and tell the court how in september of 2006 Yb Levied not a penalty but a service charge (in their words) of £25 for being 1 pence over limit for one day.looking forward to seeing all of you that are going to the do in Wakefield on the 26th;)

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There is a Mercantile forum you might like to look at Zebby and as far as I know there are 48 cases listed for a directions hearing on 7 February, although the cases are being settled fast as Jules can confirm. You are in a very strong bargaining position now so don't settle for less than 100% including interest to the date of settlement. I believe that you can also claim costs now it has gone to Mercantile.

 

Check this out.

 

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/

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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In response to YBs latest offer, sending this to their legal team tomorow

 

 

Response to settlement offer.

 

Dear Sir or Madam

 

Thank you for your letter dated 9/1/2007

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on these accounts, totalling £3055 plus interest at 8% plus court costs of £220.If you do not I will continue my case against you before His Honour Judge Kaye QC, sitting at the Mercantile Court, Leeds District Registry on the 7th of February 2007

I would remind you that daily interest is being added from the date the claim was served on you.

I trust this clarifies my position

 

 

 

Yours faithfully

 

 

 

 

 

Zebbydog

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Excellent Zebby, although I would personally leave out "respectfully". You could also remind them that you could claim costs as it is now before the Mercantile Court. Just a thought, as they like to throw that one at us, even when it's in small claims and they aren't entitled to them.

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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Ok how about this then

 

 

Response to settlement offer.

 

Dear Sir or Madam

 

Thank you for your letter dated 9/1/2007

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on these accounts, totalling £3055 plus interest at 8% plus court costs of £220.If you do not I will continue my case against you before His Honour Judge Kaye QC, sitting at the Mercantile Court, Leeds District Registry on the 7th of February 2007

I would remind you that daily interest is being added from the date the claim was served on you. plus I am considering adding to my case management sheet, Claimant in person costs £9.25 per hour 18 hours research and preparation £166.50 plus £10 sundries and expenses.

I trust this clarifies my position

 

 

 

Yours faithfully

 

 

 

 

 

Michelle Thornton

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