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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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      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.

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Varde/Brachers claimform - MBNA card


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I assume my court letter is visible now?

 

It would help obviously if MBNA didn't make blind offers asking you to accept without a figure and then dragging the actual figure offer out for the maximum allowed term it appears :( Everything pertaining to this has taken forever and a day to get this far and now the DCA decides they are going to risk court it all has to be done in double quick time! makes me mad!!

 

As for the PPI covering the debt it should do easily especially as on 2 separate occasions they've offered me a discount if I ring them and discuss it and we all know what they have probably paid for it in the first place :(

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Thats odd. It should work it always has before :(

 

 

Just emailed the same link to a friend and she could see the picture!!

 

Again attached here! Problem is other pics further back in the thread maybe valid but possibly not visible either :(

 

web.jpg?ver=13211148820002

Edited by Smoothound
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Thats odd. It should work it always has before :(

 

 

Just emailed the same link to a friend and she could see the picture!!

 

Again attached here! Problem is other pics further back in the thread maybe valid but possibly not visible either :(

 

 

It's visible now & I've checked through the thread and the others are too.

 

it must have been a software gliche either with this site or me.com but it seems to have resolved itself now. ;)

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Righto, well for a start you need to keep an eye on the timeline.

 

Date of issue 8 November 2011 + 5 days to receive = 13 November + 14 days to acknowledge (the first most important step) - so by 27th November you need to have decided if you are going to defend this action and go online and acknowledge the service.

 

You will then receive an extra 14 days in which to submit a defence, that will be 11th December.

 

You need to have all the information you require to defend in your possession eg, the assignment, the default notice a copy of the agreement. You can obtain these (if you dont already have them) by sending a CPR31.14 to the Solicitors. Have a read of the pdf I have attached below, that will give you an idea of what you need to do and has links to the information you require.

 

[ATTACH]31525[/ATTACH]

 

From what you are saying, it would appear that there is a mis sold PPI and MBNA have not yet made an offer or have made a silly offer. I guess that could be used as either a counter claim or entered as a defence in that you do not owe the money at all.

 

I am sure others will be along to offer advice. Meanwhile, you MUST get the CPR31.14 request out ASAP as time is now important.

 

Do send it by Special or recorded delivery.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you already advised the assignee that MBNA owe you more than they are claiming ? If so, then they have proceeded with litigation whilst there is a dispute in place.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you already advised the assignee that MBNA owe you more than they are claiming ? If so, then they have proceeded with litigation whilst there is a dispute in place.

 

Expurto were told verbally countless times that I was in dispute with MBNA regarding my PPI. Sure I wrote as well but will check my records to be sure.

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Statutory interest?! :violin:

When will Brachers learn? :lol:

 

I guess their problem is that Varde actually own the debt now so whatever happens between myself and MBNA means little to them as they will still be chasing me!!

 

My claim is in my opinion a substantial sum but it's a grey area as MBNA never sent me all the figures. I am now waiting for the actual offer when they decide to send it :(

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Righto, well for a start you need to keep an eye on the timeline.

 

Date of issue 8 November 2011 + 5 days to receive = 13 November + 14 days to acknowledge (the first most important step) - so by 27th November you need to have decided if you are going to defend this action and go online and acknowledge the service.

 

You will then receive an extra 14 days in which to submit a defence, that will be 11th December.

 

You need to have all the information you require to defend in your possession eg, the assignment, the default notice a copy of the agreement. You can obtain these (if you dont already have them) by sending a CPR31.14 to the Solicitors. Have a read of the pdf I have attached below, that will give you an idea of what you need to do and has links to the information you require.

 

[ATTACH]31525[/ATTACH]

 

From what you are saying, it would appear that there is a mis sold PPI and MBNA have not yet made an offer or have made a silly offer. I guess that could be used as either a counter claim or entered as a defence in that you do not owe the money at all.

 

I am sure others will be along to offer advice. Meanwhile, you MUST get the CPR31.14 request out ASAP as time is now important.

 

Do send it by Special or recorded delivery.

 

Thank you :)

 

I will be jumping on this tonight and get a letter written etc. ;)

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I guess their problem is that Varde actually own the debt now so whatever happens between myself and MBNA means little to them as they will still be chasing me!!

 

My claim is in my opinion a substantial sum but it's a grey area as MBNA never sent me all the figures. I am now waiting for the actual offer when they decide to send it :(

 

Brachers are a legal firm, so will be acting on MBNA's behalf.

 

If they haven't supplied documentation to allow you to respond to the claim you must send a CPR request for info, now, and then apply to the Court for enforcement of the same before your time to enter a Defence expires. This is a reasonable response to the claim, whereas just asking for the documents and waiting won't be.

 

You need to play these timescales very tightly, as they will seek Default judgment from you if something is missed.

 

Have you sent a DPA SAR? Do this now, also.

 

No matter what has gone before now, requests for documentation must be responded to now that a claim has been issued - they've upped the ante so an appropriate response needs to put them under pressure.

 

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I don't think MBNA are involved any more. I recently recovered my PPI from MBNA it wasn't applied to any outstanding balance.

 

Car is bang on send a CPR31.14 give them the required 7 days to supply. They should have attached the written agreement anyway as this was not issued through Northampton so CPR 16 para 7.3 does apply.

 

In my opinion the POC is very badly written. As they have mentioned a credit card this must have a agreement so you want that plus the T&C. As the debt is now due statutory notices must also have been issued (DN, TN & notices of arrears )you want those. Also they have helpfully stated it was assigned on a date you want that and proof of service. Also you need statements for the life of the account given in the POC to prove the balance.

 

CPR PD 16

7.3

Where a claim is based upon a written agreement:

 

(1)a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing, and

 

(2)any general conditions of sale incorporated in the contract should also be attached (but where the contract is or the documents constituting the agreement are bulky this practice direction is complied with by attaching or serving only the relevant parts of the contract or documents).

 

It seems interesting that they have not mentioned anywhere the consumer credit act. I wonder why. Do Varde have a credit license can they collect in the UK??

 

If they don't supply ALL the documents within the 7 days send them a letter and seek enforcement you are unable to plead without sight of documents. Don't be scared to phone them up and request a 28day extension if they refuse get the persons name. Then file an application to have their case struck out as you are unable to plead. If they grant you 28days you MUST get it in writing you can then send a copy to the court.

 

You need to ask why they have waited so long this is just one more of varde/expertos plans it cost them £220 to file they can net £10,000+ if they can get a win by default.

 

Keep the pressure on them.

 

 

Go get them

 

 

PM

Edited by Mr-Pieman
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Brachers are a legal firm, so will be acting on MBNA's behalf.

 

If they haven't supplied documentation to allow you to respond to the claim you must send a CPR request for info, now, and then apply to the Court for enforcement of the same before your time to enter a Defence expires. This is a reasonable response to the claim, whereas just asking for the documents and waiting won't be.

 

You need to play these timescales very tightly, as they will seek Default judgment from you if something is missed.

 

Have you sent a DPA SAR? Do this now, also.

 

No matter what has gone before now, requests for documentation must be responded to now that a claim has been issued - they've upped the ante so an appropriate response needs to put them under pressure.

 

Thanks and bear with me :)

 

I do have a CCA and a DN in my possession(Both posted further up the thread) but not a letter of Assignment. So what you are saying is I need to acknowledge the service of the claim and send a CPR request to the solicitors acting for Varde(MBNA are no longer involved as the debt is owned by Varde now but the account is still in dispute with MBNA regarding outstanding PPI)

 

DPA SAR? I sent a SAR request to MBNA a fair while back and got the little info I have via that but MBNA just ignored my requests for additional info! Also much of this is now with the FOS while my PPI claim is purposely dragged out as long as possible by MBNA :(

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I don't think MBNA are involved any more. I recently recovered my PPI from MBNA it wasn't applied to any outstanding balance.

 

Car is bang on send a CPR31.14 give them the required 7 days to supply. They should have attached the written agreement anyway as this was not issued through Northampton so CPR 16 para 7.3 does apply.

 

In my opinion the POC is very badly written. As they have mentioned a credit card this must have a agreement so you want that plus the T&C. As the debt is now due statutory notices must also have been issued (DN, TN & notices of arrears )you want those. Also they have helpfully stated it was assigned on a date you want that and proof of service. Also you need statements for the life of the account given in the POC to prove the balance.

 

CPR PD 16

7.3

Where a claim is based upon a written agreement:

 

(1)a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing, and

 

(2)any general conditions of sale incorporated in the contract should also be attached (but where the contract is or the documents constituting the agreement are bulky this practice direction is complied with by attaching or serving only the relevant parts of the contract or documents).

 

It seems interesting that they have not mentioned anywhere the consumer credit act. I wonder why. Do Varde have a credit license can they collect in the UK??

 

If they don't supply ALL the documents within the 7 days send them a letter and seek enforcement you are unable to plead without sight of documents. Don't be scared to phone them up and request a 28day extension if they refuse get the persons name. Then file an application to have their case struck out as you are unable to plead. If they grant you 28days you MUST get it in writing you can then send a copy to the court.

 

You need to ask why they have waited so long this is just one more of varde/expertos plans it cost them £220 to file they can net £10,000+ if they can get a win by default.

 

Keep the pressure on them.

 

 

Go get them

 

 

PM

 

Having read through a lot of threads when this all first started I read loads of times that Varde were not allowed to collect here but things may have changed? It seems to me that it has taken them a long time to actually go this far if they were positive of their case and they would have had me in court a long time ago surely?

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Please expand :) I'm not very good at this stuff yet!!!

 

It basically means that the claim doesn't have sufficient chose of action (a legal term meaning 'reason', in laymans terms - I'll forego the Law Lecture! :lol:) whereby they aren't stating what the alleged breach is and how they have suffered, etc, etc.

 

As for the documents, can you link them here again? I think we need to decide what sort of assignment has taken place, as MBNA can't have assigned the debt and not the duties that go along with it. In other words, your 'dispute' with MBNA is actually a counter claim against Verde. So, if the documentation isn't in order, and the debt is unenforceable, it may be that you have a complete defence to the claim, plus a counter claim for the PPI that is owed.

 

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