Jump to content


  • Tweets

  • Posts

    • 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. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

Anger as Government says people heavily in debt can pay off bailiffs with credit cards


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5250 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Anger as Government says people heavily in debt can pay off bailiffs with credit cards - Telegraph

 

"A low income family putting a debt of £1,000 on a credit card charging interest at 40 per cent, would have to pay an extra £400 of debt every year."

 

The scary thing is, this example would still work out cheaper than the charges applied by many bailiffs

Link to post
Share on other sites

Anger as Government says people heavily in debt can pay off bailiffs with credit cards - Telegraph

 

"A low income family putting a debt of £1,000 on a credit card charging interest at 40 per cent, would have to pay an extra £400 of debt every year."

 

The scary thing is, this example would still work out cheaper than the charges applied by many bailiffs

 

This would appear to contradict OFT advice.

Link to post
Share on other sites

and do the government say how a low income family with ccj's would get a credit card?

 

They don't need to as they can create a department solely to deal with the issuing of Government backed cards which will have a minimum £10k limit ah bu@@er they already have these only they deal with Tax Credits and CSA8-)

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

Speaking from the other side for a moment...... I don't really care where the money comes from just as long as it is paid. Two sides to every story etc!

 

 

Hmm interesting :rolleyes:

So, a debtor puts a bailiffs charges on a credit card because they couldn't pay in full or in installments. They then can't afford to pay the credit card bill so they get taken to court. They can't afford to pay the judgement so the bailiffs go in. Do you see where this is going?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Having been in the situation of racking up cc debt just to pay the bills and feed the family I find this disgusting.

 

There are 2 other things though.

 

1. If people are in the situation of having bailiffs at the door I doubt they'll have money available on cards anyway.

 

2. If they DO have money available on cards, I suspect they'd do as I used to do, which is take cash advances (until that line of credit dries up) at even higher interest rates than by paying directly.

 

This does nothing to help people out of debt and is immoral!!:mad:

 

Rob, I always try to see both sides and that people in the finance industry are just doing a job to earn a living, and have not been sufficiently educated or trained to do the job properly or maybe even to uphold the law. If that is genuinely your attitude and the attitude of those in the industry, then perhaps I haven't been fair to all those people who have vented their anger on CAG, and who I thought were just letting off steam.

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.

Link to post
Share on other sites

It's just another demonstration of the level of contempt that the government feel for the general populace.

 

They aren't clueless, they are calculating and devious when it comes to systematically dismantling this country and they know exactly what they are doing when it comes to supporting the ailing financial systems.

 

They are now even breaking their own rules in order to further punish the most vulnerable.

Link to post
Share on other sites

How stupid. It is quite clear that the better option would be for people to be allowed to pay of their debts with Payday Loans :p . If the banks and credit card companies support this credit card idea, then it seems to me that this would amount to irresponsible lending

Link to post
Share on other sites

So in the current climate and with the current guidelines/legislation and if the bailiffs and such were allowed to collect from a debtor in this manner, ie being forced to use a credit card to pay.

 

I wonder whether this would be verging on the common charge of "living off illegal earnings" or would it be covered by the proceeds of crime act.

 

Could it possibly be that the Government is actually doing us all a favour and is potentially herding bailiffs and Debt Collectors into the same category as prostitutes, pimps, drug dealers and rent boys, where their occupations are illegal but their earnings are taxable :p:p:p

Link to post
Share on other sites

Hmm interesting :rolleyes:

So, a debtor puts a bailiffs charges on a credit card because they couldn't pay in full or in installments. They then can't afford to pay the credit card bill so they get taken to court. They can't afford to pay the judgement so the bailiffs go in. Do you see where this is going?

 

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

Link to post
Share on other sites

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

 

 

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It would seem that we have a bailiff who loves "the thrill of the chase" rather than just picking on the weakest ones and maxing out on the charges.

 

how novel!

Link to post
Share on other sites

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

 

It isn't a case of CHOOSING not to, but if they are paying by credit card they are simply moving the debt from one place to another, and probably at greater cost to themselves, IF they have access to a cc.

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.

Link to post
Share on other sites

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It would seem that we have a bailiff who loves "the thrill of the chase" rather than just picking on the weakest ones and maxing out on the charges.

 

how novel!

 

Rob isn't a bailiff.....he's been done over in a car deal and is looking to get what he feels is due to him, he has been seeking advice on CAG with this issue.....

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It's a dodgy garage, so I have no scrupples about this as they ripped me off. I would never do this if the action was not justified.

Link to post
Share on other sites

I must admit Rob, I had a look at your posts to see where you were coming from. Your post came across that you didn't care how people paid bailiffs as long as they pay and to hell with the consequences.

 

I see that you are actually owed money, but please think about those people in genuine difficulty through no fault of their own who are being harassed for payments they don't have.

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.

Link to post
Share on other sites

I must admit Rob, I had a look at your posts to see where you were coming from. Your post came across that you didn't care how people paid bailiffs as long as they pay and to hell with the consequences.

 

I see that you are actually owed money, but please think about those people in genuine difficulty through no fault of their own who are being harassed for payments they don't have.

 

Certainly. I have read lots of posts and do have sympathy with the situations people find themselves in. I don't mean to sound uncaring at all and my posts relate to my situation only... Just thought it would be an idea to post from the perspective of someone who is 'on the other side' of this and equally frustrated! :Cry:

Link to post
Share on other sites

Certainly. I have read lots of posts c and do have sympathy with the situations people find themselves in. I don't mean to sound uncaring at all and my posts relate to my situation only... Just thought it would be an idea to post from the perspective of someone who is 'on the other side' of this and equally frustrated! :Cry:

 

Fair comment and thanks for the input. :)

 

I don't know, but I would guess that most bailiffs aren't called in by individuals claiming from businesses, rather than the other way round.

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.

Link to post
Share on other sites

It's a dodgy garage, so I have no scruples about this as they ripped me off. I would never do this if the action was not justified

 

If i was in your situation and had given the garage owner every opportunity to pay this i would do exactly the same as you

Edited by hallowitch
Link to post
Share on other sites

Rob isn't a bailiff.....he's been done over in a car deal and is looking to get what he feels is due to him, he has been seeking advice on CAG with this issue.....

 

 

I stand corrected and rightly so, My beef is with those who would make a living out of the misfortune of others, not with someone who is seeking justice through the courts.

 

No offence intended

Link to post
Share on other sites

Fair comment and thanks for the input. :)

 

I don't know, but I would guess that most bailiffs aren't called in by individuals claiming from businesses, rather than the other way round.

 

Rob is using an HCEO and you'd be wrong Caro.

 

Most judgments that are enforced by HCEOs are against businesses, usually on behalf of other businesses.

Link to post
Share on other sites

Rob is using an HCEO and you'd be wrong Caro.

 

Most judgments that are enforced by HCEOs are against businesses, usually on behalf of other businesses.

 

Which begs the question, since you are "allegedly" an HCEO, why do you have so much to say on a forum which specialises on consumer related debt?

 

Why not go and troll a business debt forum, where your more specialist knowledge would not continually let you down as it does here?

Link to post
Share on other sites

Which begs the question, since you are "allegedly" an HCEO, why do you have so much to say on a forum which specialises on consumer related debt?

 

Why not go and troll a business debt forum, where your more specialist knowledge would not continually let you down as it does here?

 

Spamheed no matter what I say you will never agree. :rolleyes:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...