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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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Halifax reposession in 1999


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Hi to all.

 

Firstly, i have read through many similar posts, but just be clear of my position, i thought i would ask for some advice.

 

My flat got repossessed and sold in 1999. It was originally bought for £47k and sold for £53k.

To cut a long story short, i received a letter from DLC collections in July 2009 claiming a shortfall of £29k! They have since provided 2 mortgage completion statements - one with a balance of £19k owing and another with a balance of £29k owing, the latter they say is the correct one.

I am currently getting some advice on this, but i wish to know the thoughts of someone who has currently been in this position and if there is anything else that i can do that i may not have considered.

DLC state they are acting on behalf of their clients. Does this still mean halifax are chasing this debt and have instructed them to do so or have DLC bought this debt? At the moment i am waiting on a more detailed breakdown of how these charges have occurred as the final statement is a bit vague to say the least.

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Hi Centosboy.been in a similar situation,I sent a Subject Access Request and received all the info to enable me to put the shortfall into serious dispute. You can send SAR to DLC but as they appear to be acting on behalf of Halifax and not purchased the shortfall I would send the SAR direct to Halifax you should receive a copy of the original Mortgage Agreement,Statement of Payments,and Mortgage Account History along with all other data they hold on you.In the Mortgage Account History every transaction during Repossesion should be recorded,look out for dubious vague charges,such as Possession Costs,Solicitors Charges and Valuation Fees,if these are shown as charges without explanation,dispute each one and ask for a full breakdown,ask for full details of the Solicitor and who made the Valuation and full details of the Valuer.SAR letter on Cag Template File send along with a £10 postal order,Halifax have 40 days to produce all data,then you will be able to see how all charges are made up as there is a £6K difference between cost and selling. all the best............FS

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After this length of time, my thoughts are that DLC have bought this one and have tried to catch you before the 12 year stat-barred status (for mortgages) kicks in.

 

There's a SAR on another thread that applies more to mortgage situations than the standard template.... I'll post it up in a bit.

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Thanks for the reply firstship.

How would you know if the debt has been purchased by DLC or not?

And how do i send a SAR? As i said, someone is acting on my behalf.

I guess i can ask them to request this?? Or is this a Data Protections Act thing...which means i need to do this??

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Ok... adapt to suit your needs, if necessary and send by rec. delivery to DLC. If they are in fact acting on behalf of Halifax, then they'll need to liaise with Haliax for the info. you need. They have 40 days to get this info. to you though one way or another, or you can report them to the Information Commissioner.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245594-mortgage-shortfall-5.html#post2753193

 

:)

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centosboy......Pone.... has given you the link to the template letter,if the debt has been sold to DLC then the SAR should produce an Assignment of Debt letter from Halifax and from DLC it would appear from your thread this Assignment does not exist,let the 40 days go by,and hope you get the required documents,if not help will be to hand with the next step...........FS

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Hello all.

 

It appears the company dealing with this on my behalf have been trying to get information for the breakdown of the debt since jul 2009 but have been met with delaying tactics. They are still awaiting this information....

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Who is acting on your behalf and.... are you paying them to do it?

 

I am not sure i can say, but yes i am paying them to do so.

I am a bit concerned because i have been told that the collectors or mortgage companies sometimes refrain from sending documentation that is asked for, but still take the case to court and sometimes produce the documentation there.

I have also been told that because the repossession was in 1999 that i may be still liable for the debt. Of course that could be a possibility, but then i have also read that the 'clock' starts ticking from the time of the first default rather then when the property has been sold off...??

Either way, DLC have done nothing to provide details of proof of the debt apart from 2 mortgage completion statements, which have a discrepancy of 10k, and which they claim relates to AMS funds.

Anyone know what AMS funds are??

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I am not sure i can say, but yes i am paying them to do so. Then you need to give serious consideration to what you're paying them for....

I am a bit concerned because i have been told that the collectors or mortgage companies sometimes refrain from sending documentation that is asked for, but still take the case to court and sometimes produce the documentation there. Was this part of the "advice" you were given? If they're requested as part of a legal SAR or under CPR (Civil Procedure Rules) then the courts will not view this behaviour very kindly....

 

I have also been told that because the repossession was in 1999 that i may be still liable for the debt. More "advice"? If so, it is wrong... Of course that could be a possibility, but then i have al

Edited by PriorityOne
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Well.....i found this forum and these threads after i decided to do a bit more digging.

You could imagine my first response at opening a letter and seeing that debt collectors want to take me to court over a 29k debt.....panic....!

So i paid someone for advice ...etc. I asked the advice company to ask for proof of the debt, and all i got back was the mortgage completion statements.

I just have this feeling that if i did not point out the discrepancy in the 2 statements, they would not even have noticed....they certainly did not seem to notice until i mentioned it...

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Well.....i found this forum and these threads after i decided to do a bit more digging.

You could imagine my first response at opening a letter and seeing that debt collectors want to take me to court over a 29k debt.....panic....!

So i paid someone for advice ...etc. I asked the advice company to ask for proof of the debt, and all i got back was the mortgage completion statements.

I just have this feeling that if i did not point out the discrepancy in the 2 statements, they would not even have noticed....they certainly did not seem to notice until i mentioned it...

 

I can well imagine your panic.... my letter was for £52K years ago :eek:

 

If you're not happy with the service you're getting, don't use them. There's more knowledge/experience on this site anyway.

 

:)

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I can well imagine your panic.... my letter was for £52K years ago :eek:

 

If you're not happy with the service you're getting, don't use them. There's more knowledge/experience on this site anyway.

 

:)

Ok, fine, but not sure how to proceed from here.

Is it just best to sit and wait to see what DLC send?? So far they have been reported to the OFT.

These guys keep sending me letters, even though i am not dealing with them directly. I have never spoken to them or even corresponded by post.

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If your property was repossessed and sold in 1999, can you remember when you 1st defaulted on your payments to the mortgage company? In other words, how long after default was it repossessed and sold?

 

If this company you're paying are meant to be dealing with this on your behalf, then DLC should be dealing with them and not you.... which is why I said/implied that you were wasting your money.

 

On the other hand, if DLC have only just started writing to you now (after liaising with this company since 2009), then it suggests that DLC may be getting jittery about approaching stat-barred status and are pushing for a written re-acknowledgement from you.

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If your property was repossessed and sold in 1999, can you remember when you 1st defaulted on your payments to the mortgage company? In other words, how long after default was it repossessed and sold?

 

If this company you're paying are meant to be dealing with this on your behalf, then DLC should be dealing with them and not you.... which is why I said/implied that you were wasting your money.

 

On the other hand, if DLC have only just started writing to you now (after liaising with this company since 2009), then it suggests that DLC may be getting jittery about approaching stat-barred status and are pushing for a written re-acknowledgement from you.

 

I cant be certain because i have not been sent any paperwork, but i may have defaulted 2 yrs earlier....i know it was much earlier then when the place was repossessed...

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I cant be certain because i have not been sent any paperwork, but i may have defaulted 2 yrs earlier....i know it was much earlier then when the place was repossessed...

 

If you think that's the case, then you could get your money's worth from the company you're using and get them to inform DLC that this is stat-barred... 'coz it sounds like it could well be, to be honest.. In any case, the onus is on DLC to prove it's not stat-barred at the moment.

 

Whatever you do, it's important not to re-acknowledge the debt yourself and if they persist in trying to write to you, send the SAR in an earlier post by rec. delivery.

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... because they can't get hold of you or, because they can't get hold of any information to back up their claim.

 

:)

 

Sorry for all the questions - but it seems halifax didnt sell the debt on then?? I was kind of hoping they had sold it on and not given enough documentation to DLC :(

Why then would halifax have asked DLC to act on their behalf...especially as DLC were not given any documentation to back up the alleged debt? Reading some threads on this forum and some very old but interesting ones at Repossession Top Level it seems this might be common practice?

I know i have to sit and await the response from halifax via my advisor, but is there anything else i can do in the meantime?

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Sorry for all the questions - but it seems halifax didnt sell the debt on then?? It would seem not.... but if that's the case, they've left it one helluva long time before chasing it up. I was kind of hoping they had sold it on and not given enough documentation to DLC :( makes no difference really... Halifax would still need to provide the same info. on request, if necessary.

Why then would halifax have asked DLC to act on their behalf...especially as DLC were not given any documentation to back up the alleged debt? To worry you, probably. A lot of people who get contacted by debt collectors confuse them with bailiffs and get so frightened that they try and pay. Reading some threads on this forum and some very old but interesting ones at Repossession Top Level it seems this might be common practice?

I know i have to sit and await the response from halifax via my advisor, but is there anything else i can do in the meantime?

 

I wouldn't do anything whatsoever until Halifax contact you themselves in writing. If/when they do, come back on here for advice.

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