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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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Intrum Justitia and student loans


Missan
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Hello!

 

I'm Swedish living in London since a few years back.

I have student loans from 2002 -2004 before I came to London and now a part of that loan has been bought by Intrum Justitia which now has started to threaten me and the usual that many seem to have been putting up with from them from what I've read here.

 

Anyway, I was wondering about the CCA request letter. Does that apply to my situation or is that only for credit cards, loans, etc?

 

If it does apply, what changes do I need to make to the stock letter?

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Hi.

Were the loans taken out in Sweden or in the UK? If in the UK there are two types of loans one can be statue barred the other cannot I beleive.

 

If you give more information I am sure you will get the right advise here.

 

Do not worry about Intrum Justita they bark well but dont have much of a bite, and never speak to them on the phone.

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The loans were all taken in Sweden before I moved here.

 

Of course, what information do you need?

 

I spoke with them once very briefly, I won't do that again.

So I don't have to worry that they come and take stuff?

I have my own little company with my fiancee and we work from home so I have equipment here that I fear they would take, even though they aren't in my name but the company's.

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If the loans were taken out in Sweden then they are covered by Swedish law regarding recovery.

 

Within member states of the EU debts can be enforced I dont know about Swedish student loans so dont know the position regarding them.

 

However Intrium Justita have no power at all. They can not take any property of yours they make threats that they will do this and do that, and send the boys around to take your property, but they are just empty threats to scare you in to paying.

 

You would have to research Swedish student loans and the ability to enforce them.

 

If you wish to hold off Intrium Justita make them earn anything they may, and ask for proof of the debt, and their authority to ask for repayment.

 

Do your research regarding the loans but do not lose a minutes sleep over Intrium Justita they have no power at all.

 

PS if you do write to anyone over this matter do not sign the letters.

 

PPS found this

http://sydsvenskan.se/obs/article424425/CSN-detektiver-ska-leta-utomlands.html

Edited by esmerobbo
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Thank you esmerobbo!

My main worry was Intrum Justitia coming and taking stuff.

 

I got a letter from solicitors (Bill Holohan & Associates Solicitors) on the behalf of Intrum Justitia where they said they would recommend their client to take legal actions against me if I didn't comply within 7 days of the letters date (which was 15th December and I got their letter 2 days ago).

I had written to Intrum Justitia in the beginning of November asking to sort out a payment plan (unfortunately I signed it, but won't do it anymore after finding this website and it's useful information). And didn't hear from them until this letter from the solicitors.

 

I haven't had any salary since April and me and my fiancee are now applying for benefit.

 

Yes that article is similar to many others about CSN (Swedish student loan people) and how they have started to use Facebook and other sites to find people abroad (who willingly share peoples info without their approval), and how they have written an agreement with Intrum Justitia to work with them.

Edited by Missan
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As far as I understand a European Enforcement Order can only be obtained once enforcement has been obtained in the country of the creditor.

Someone with more knowledge may confirm this.

Maybe they have got an order by default in Sweden that they have passed to these solicitors here.

However these loans have nothing to do with your partner they can not ask anything from him. Any enforcement would be done though the courts against you alone. If you have no assets and you are on benefits any District Judge would make the lowest order probably £1 per month until you found employment.

I would still like to see what authority they are trying to collect under. It is your right to know if they have the right to collect.

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  • 1 year later...

Hej Missan!

 

I read you post regarding CSN and Interim Justitia and Bill Holohan. I was wondering what happened? Did Bill Holohan get in touch with you and send you a court order? I am in a very similar situation to yourself. I have been living in UK since finishing studying but struggling with money and CSN ask for so much money, there is no way I can afford to pay CSN and live a life!

 

I would really like to hear about your experience, please let me know as I have just received a letter from Bill Holohan

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  • 5 months later...

Hi Wotsits80, I am now in a similar situation although I haven't had a Holohan letter yet, just one letter from Intrum Justitia, what happened in your case? Best wishes

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Thanks Missan

I'm being unfairly asked by csn to repay all my loans even before i've finished my studies because they're saying that i wasn't studying full-time for one of my semesters. I told csn i would pay it back in instalments, they said no and gave me one month to pay everything back! So not much point in calling them again i think. I got some legal advice and the lawyer said if Intrum Justitia do try to take legal action they would have to apply for change of jurisdiction first and that is a really lengthy and expensive process so they probably won't bother and even if they got change of jurisdiction the courts here would only order me to pay what i can afford in instalments which is what i've already offered them anyway! I would really like to know whether legal action has been taken in any of these csn cases. I looked up European Enforcement Orders on wiki and it seems esmerobbo is right, they would have to take me to court in Sweden first (which is fine with me) so it seems they only use Intrum Justitia as bullies to save them having to go to court.

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  • 1 year later...

HI Missan

 

Just came a across your thread . Im facing a similar situation with CSN. Just wondering if you changed address or moved away from the UK seeing CSN never contacted you after the CCA request letter as I keep getting letters every year.

 

Thanks

 

p.s glad they haven't contacted you again! d.s

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  • 4 months later...

Hello,

I'm joining a couple of threads here to do with CSA demands for large amounts after years of no contact. I am in the first instance stating that my loan should be considered the equivalent to statute barred in Sweden, as the 10 yr period of no contact ended before this was extended to 25 yrs in 2011 but am uncertain if by stating this now I am too late?

I wonder how you all have got on. I am struggling to find anyone with the expertise of how the enforcement laws work between the two countries (UK and Sweden) and if the loan is being collected on behalf of CSN or if CSN has sold it off. I also wonder if anyone has been contacted by a UK debt collector who have taken them to court and what that process of notifying you was.

I'd be really grateful for anyone to share their experience.

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