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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. 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.
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about to tackle a mountain of debt.. or do i just go bankcrupt?


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nothing in effect...it has been returned to oc....westcott have said they are no longer collecting and returned it to oc....the debt still exists...it justs looks like they do not have the correct paperwork to pursue it in law.....in effect case closed

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I would send Westsnot this http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/585-letter-following-up-after-a-debt-collection-agency-has-closed-its-files-

 

Unless anyone else has other opinions?

 

And to think your first thought was to go BR:shock:

 

See what happens when you learn your rights and begin hitting them head on!

 

Well done,;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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okay, received another letter from Lowell stating 'we are in receipt of correspondance,' and 'your account has been placed on hold,' and 'There is no need,, to write to us again regarding this matter.' I'm guessing this is a 'we don't have the paperwork we need' letter and I intend to send the failure to supply letter anyway..?

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also 2 queries; does it matter at all that public holidays meant that the letter posted on the 30th reached them on the 3rd, i'm guessing not it's 12+2 days from the 30th right?

2nd It seems both this letter (failure to supply on CCA request) and the 'after account closed' letters are quite in your face, am a bit worried about that, just want my credit score back as peacefully as poss thank u ..?

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So i can hit the original creditor, in this case cap 1, for SAR for any charges levied on the acc? I know this is branching into different teritory here but, since the OFT test case what's the coo, are any charges still classed as unlawful, can i claim them back from a cc acc?

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Okay, thanks all once m ore for your support, couldn't do this without you.

;)

 

So far no credit file has arrived, Experian no response and equifax 2 seperate requests to confirm my new address... only sent call credit last week so,, that's okay. any advice on an appropriate way to chase my credit file at experian..?

 

have sent a default letter today to Lowell concerning the Cap 1 debt. Am thinking I will chase Cap 1 for charges to be repaid. ( I had some luck with reclaiming abbey charges 3 years ago b4 the test case etc..)

 

If they don't respond is it likely they'll remove entries on my credit file, can i force them ? If the debt is in default, which it now is, hooray! and they cannot sell it on or claim on it,, what happens next..??

 

thanks all again... the journey continues but am excited now instead of lost..

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Can only advise being persistant with experian.

 

You can go either way on the crap 1 account. Claim your charges back OR go the unenforceable/non compliance of CCA route. It's impossible to call anything yet on this as you only just notified lowlife that you consider them to be defaulting on your CCA request. Do you have any idea of how much unfair charges could be on the account? if you don't have a full set of statements etc. you should SAR crap 1 as soon as you decide which way :)

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Okay, thanks all once m ore for your support, couldn't do this without you.

;)

 

 

 

If they don't respond is it likely they'll remove entries on my credit file, can i force them ? If the debt is in default, which it now is, hooray! and they cannot sell it on or claim on it,, what happens next..?

 

it is highly unlikely they will remove defaults from credit file..as to can you force them? well you could initiate court action yourself..the problem is..is that although the debts are unenforceable because of the paperwork this doesnt mean they dont exist...and stopping them trashing your file is difficult....they will eventually drop off after 6 years anyway...

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i'll look into my statements and add up the charges, this will take a while cos theyre in boxes..

Need that credit file...:confused: so i can see who has defaulted my file in the past and when. and when they might stop affecting things..

 

So a debt may just stay around until 6 years old?

also if a DCA commits an offence what does it mean..?

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Sadly, due to the implementation of the CPUTR 2008 in to UK law, the criminal offence no longer applies to non compliance of a CCA request :(

 

The breach of OFT guidlines and the CPUTR that the DCA/OC commit if they fail to furnish within the 12 + 2 working day timescale should at all times be reported to TS, the OFT your MP and anyone else you think should know, if they recommence collection activity :D

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so basically, they've failed to provide a CCA within the 12 + 2 working days. I've notified them that the account is in default which means it will stay with them but they cannot chase me for it. Nor can they default my credit file any further. So is that it,??

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so basically, they've failed to provide a CCA within the 12 + 2 working days. I've notified them that the account is in default which means it will stay with them but they cannot chase me for it. Nor can they default my credit file any further. So is that it,??

basically thats is it..you are now safe in the knowledge they cannot enforce said debt..take court action etc etc..but they can default your credit file...remember unenforceability does not mean debt doesnt exist...it does..it is just unenforceable

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  • 2 weeks later...

hello everybody, new developments ,,,

the 2 summits of my mountain are owned by lowell, an old 2005 cap 1 cc, and, capquest an 11grand loan.

 

the first, lowell's is now in default and i received a letter last week stating that they haven't received a cca from cap 1 but that cap1 are looking for it 'retreiving the paperwork,' and once they Lowell receive it they'll post me a copy and want payment in full. So can they do that.?

 

secondly, i have asked capquest for a cca, they go into default today and they're letter states 'we can confirm we are in receipt of the' cca and 'in accordance with the data protection Act 1998' require me to contact them to confirm 'important security information. We will be unable to send' ..'until you have doen this.'

 

Do I call i'm not into telephone calls and will not undersign a debt by giving my date of birth to these guys, but do they have a legal standpoint here?

 

thankyou as always..

 

w

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they nearly always state that once they have found cca they require full payment...well what they want and what they get are 2 different things...this is sent in order to frighten and worry you..accept it for what it is just another one of their boring threatograms...capquest were happy to harrass you when they believed you were the debtor..yet want more info before sending the cca...wait for time limit to be up and then put account into default...end of...dont ring em..and no they dont have a legal standpoint here...there is a letter on here telling them they were happy to deal with you before you asked for cca..so why not now..ignore em..send in dispute letter after deadline

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