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    • 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.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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Need urgent advice on a 7 year old debt with hfo services ltd


mwf1982
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if you have the notice of assignment from hfo back from fos now does it say who the debt has been assigned to? Is it roxburgh or hfo?

Your next step is to send an account in dispute letter to hfo on 8th sept if they have not sent a cca agreement back. It may be worth adding to this letter that you have no record of the payments hfo claim you have made to them, perhaps someone else can advise on this????

Did you send a telephone harassment letter to hfo regarding their phone calls and report to consumer direct/trading standards? They cannot pretend to be solicitors and threaten to freeze your bank accounts. Also update fos and oft with these latest threats as that is what they are. Ignore any calls.

A sar request to the oc may be a good idea - there is a letter on another thread that may be useful, i will find it.

 

got the orignals back from fos and it was a notice of litigation not assignment.sorry for the mistake.ive updated fos and oft with the latest threats

also updated consumer rights and there are forwarding them to tradeing standards.

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As per my previous thread here is SAR request, send with a Postal Order for £10 to BC and sign but crosses through so it cannot be copied.

 

[your address]

[their address]

 

[DATE]

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

[signature]

 

[name]

Send to :

BARCLAYCARD

Data Protection Team

Dept LRC

Northampton

NN4 7SG

 

thank you coledog i will do it first thing monday morning and it specail delivery to bc,but i am guessing i will be in court before 40days. i was going to send off a sar about a week and half ago but a differnt user told me not to.

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roxburghe uk limited might be linked. or does it not matter in the eyes of the courts?

 

They are linked, all part of the concillian group, but only the owner of the debt can bring legal action and that is not HFO, also their are a number of HFO incarnations, the same thing applies,they know this I have it writing signed by them.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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You are a long way from court as yet I think! If you put the account in dispute they have to come up with some kind of agreement and then decide if it is worth taking it to court. You are indicating to them that you are prepared to fight this. Anyway if they do issue a court summons you can ask for time to obtain all the information you need.

 

Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

Please support CAG and they will support you.

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You are a long way from court as yet I think! If you put the account in dispute they have to come up with some kind of agreement and then decide if it is worth taking it to court. You are indicating to them that you are prepared to fight this. Anyway if they do issue a court summons you can ask for time to obtain all the information you need.

 

Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

Thats good im glad its a long way off to court,its great advice ive received from all the users on this site.Hfo just ring on a old phone number what ive had for 10 years,its not my main telephone dont really use it really i might just bar all calls on that number and them there cant ring me at all which will **** them off.I am just getting fed up with them,I guess the letters the hfo send are just templates...

 

I just hope the FOS letter what there sent to the owner of hfo services will help me!!

 

what do guys think?

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Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

 

tell them PROVE IT, AND TO SHOW THE EVIDENCE IE PAYING IN SLIP CHEQUE NUMBER OR POSTAL ORDER NUMBER ETC?

ask if it ever gets to court to produce proof that this payment was commissioned by you ...and if not then you would be asking the judge to enter a charge against them of trying to obtain payments from you for pecunary advantage , this alone in my opinion is a crimminal matter and for the POLICE and also TRADING STANDARDS

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Good idea to barr calls or just refuse to speak to them.

 

I have had no dealings with FOS so cannot say how effective they are but my understanding is they tend to side with the financial companies BUT they are not the law. The OFT and trading standards probably have more power to stop illegal practices by DCAs.

 

In my view, your main problem here are the payments HFO have claimed to have received and I think you should follow Patrick's advice above and ask HFO to send evidence about these. I suspect you will be sending them a letter next week as it is unlikely they will have an agreement.

 

All DCAs use templates and the letters you get will be the same ones received by me and others on this site. I would normally put these straight in my shredder bag but this DCA have managed to reach new lows through their threats and use of personal data.

Please support CAG and they will support you.

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i will follow Patrick's advice,any see if there can prove i made these payments.Has i dont recall makeing these payments,also i got a copy of septembers credit report and there have change the address to my current address where i lived here for 19 months. And still on the equifax credit report there are no evidence of any payment in the payment graph that it shows on my credit report.

 

 

THANK YOU PATRICK I WILL TAKE THE ADVICE YOU HAVE GIVEN ME.I WILL GET THE LETTERS READY TOMORROW AND SEND THEM FIRST THING MONDAY MORNING....

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HFO do not seem to do 'doorstep collection', shame as you have a Rotty, they just send photos of your home.

 

I am just collecting bits of intelligence that may prove useful - don't worry you will be the first to know but don't want to alert the enemy just yet. Hello guests!

Please support CAG and they will support you.

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hfo do not seem to do 'doorstep collection', shame as you have a rotty, they just send photos of your home.

 

I am just collecting bits of intelligence that may prove useful - don't worry you will be the first to know but don't want to alert the enemy just yet. Hello guests!

sorry for keep bothering you coledog but orginally i requested the cca agreement by email at first and there said there wont be able to get it until 4 weeks,so i requested it still in writeing by post. I dont email them anymore just rather let them send me letters through the post,has there cant ring me anymore.

CAN IT TAKE 4 WEEKS FOR THEM TO GET IT? OR WILL IT TAKE 4 WEEKS ON A WAITING LIST TO MAKE A FAKE CCA

Edited by mwf1982
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