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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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PPI on my Abbey Loan


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Hey I'd like to get started on claiming back my PPI on my Abbey loan, I have some copies of documentation I have here which I will upload jpegs of.. And I will get reading to check out the process I need to undertake in looking to claim.

 

Any help and advice would be much appreciated!!

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For some reason I can't post img links so here is the list of documents I have copied.

 

001 http://i56.tinypic.com/ooktk.jpg Headed Letter

002 http://i52.tinypic.com/16awhsm.jpg PPI header Note

003 http://i56.tinypic.com/fcsksj.jpg PPI Leaflet p1

004 http://i55.tinypic.com/2ajqjhg.jpg PPI Leaflet p2

005 http://i51.tinypic.com/1zq3igi.jpg PPI Leaflet p3

006 http://i53.tinypic.com/91b5fs.jpg PPI Leaflet p4

007 http://i52.tinypic.com/2zxxe8w.jpg PPI Leaflet p5

008 http://i55.tinypic.com/5wxweu.jpg Contract (not signed)

009 http://i52.tinypic.com/5doz1j.jpg Contract (Customer copy)

010 http://i54.tinypic.com/23vj0ww.jpg Contract Terms on back

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as you know what you paid PCM PPI

it should be easy to work out.

make a spreadsheet or a table in word

 

use:

http://www.egalegal.com/compoundWindow.html

 

rest = 12

 

int will be 8%

 

put in the principle [48}

date it was paid

date of you claim

then note down the 2 sums for EVERY MONTH you paid it

[the int will reduce for each month toward your claim date]

 

there is also a spreadsheet you can use

look at the stickys at the top of the PPI forum.

 

and do some reading of like threads and also the stickys like

notes for claimants

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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there are no templates letters necessary

 

just write requesting then back with a copy of your spreadsheet.

have a look at a few other threads here for guidance.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yep

sorry

any of those notes for claimants are worth following

 

as for the threat-o-gram....

 

ignore for now.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right, I've made a bit of a cock up....

 

The agreement i posted doesn't seem to be the right one, I must of had a second one amended that I signed.

 

I feel like I might of put myself up a creek here without a paddle...

 

I need to move fast enough to get Moorecrofts threats of my back who are now acting for santander!! I still owe about 11K...

 

If I use this letter that I found on here, should it be enough to stall them so I can get a SAR out to get all my details from them?

 

__________________________________________

Here's My letter

 

I purchased the above policy from you in [Febuary2003] in connection with the [loan agreement] referenced above.

I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures.

I was not told that the insurance was optional.[/font]

I was led to believe that my application for credit would be rejected if I did not take out the insurance.

The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

I now believe the insurance was unsuitable for me as I was [self employed] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover.

If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional

interest
link3.gif
charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

Please now investigate my complaint within the eight weeks allowed to you.

Yours faithfully

 

And here's their reply.

 

Halifax Boffins UK.

__________________________________________________

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what reply?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what reply?

 

dx

 

Sorry I didn't mean to copy the reply bit, I was just wondering if that letter was suitable to send for now? while I try and get the rest of my details from sending SAR..

 

My main worry is that this has already been handed over to Moorecorft, and I have paid more PPI than I actually owe in arrears.. So I want to get something to them ASAP for piece of mind..

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quite prob the case

 

dont worry about moorcrap

 

no dca has any legal powers

all they can do is send threat-o-grams.

ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hey....

 

OK so I have had some success but still have a problem!!

 

SO... The abbey (santander) have agreed that I was not provided sufficient details when to make an informed decision while taking out the loan...

 

A. I was self employeed

B. I was told I had to have the insurance to have the loan.

 

Santander have paid back a total of £5573.39

 

Now this is where it gets stupid (in my opinion)...

My PPI claim letter sent to Santander was dated 2nd September, I was behind with payment to the total sum of about £1900 pounds and still had a remaining 11000 to pay off the loan.

On the PPI repayment it says *please note: As Your account is currently in arrears, the redredd amount will be used to reduce the outstanding arrears on your loan before the balance, if any, is paid to you.

 

So I am thinking ok they will take the £1900 out of the sum and send me the difference and I can get on paying my loan off monthly.

 

As mentioned above, on the 4th of September Santander wrote off my whole loan account and passed it on to Moorcroft debt collection.

 

I phoned Santander to ask them what was going on as I hadn't recieved any payment reference my PPI, the person said we do not own the DEBT any more and your PPI claim has bee taken off your total amount owed of 11k reducing it too £4900.

 

My argument with this guy was I was in arrears £1900 so the PPI payment should of covered the arrears and the difference sent back to me and I should be allowed to finish off paying my loan off monthly and that I should also have any marks against my credit score removed. I base this opinion on the fact that they had £5500 of my money they have just paid back me because they miss sold me the loan so really speaking was I ever in arrears??

 

In all honesty I am a little confused, can they do this, my letter was dated 2nd of september disputing the loan and they must of passed the loan off to Moorcroft on instant reciept of my letter.

 

I am happy to get the miss sold PPI back, but I would like to finish paying off my loan monthly and I would also like any marks against my credit rating corrected.

 

Can anybody help to tell me what can I do?

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you need to know what the markers were

if they were non payment, then sadly that is true, no matter what you should of paid, you didn't, end of, make any payment againstg the agreement.

 

as for the passing it to the dca that now own the debt.

 

they cannot do that

you should get back the actuall ppi payments you made with money+8% stat

the rest [the unpaid [yet] ppi ] comes off the outstanding balance.

 

there is a very good barclays thread on this somewhere.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi the breakdown of the amount paid back to me was as follows.

 

A - Total monthly paid premium = 3304

B - Interest on (a) at date = 716

C - Pro Rata Rebate Figure = 2165

D - Minus PPI rebate used when loan repaid = 612

E - Rebate outstanding C-D = 1552

F - Total (A+B+E) = 5573

 

Hope this helps?

 

Basically for me, I'd like to carry on paying the remain of monthly... I deffinately can not afford to pay Moorcroft £4900, and they actually called me today :-(

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ping dj1971

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ping dj1971

 

dx

 

Cheers for help DX, managed to get a PM sent off to dj1971 tonight so hopefully they will take a look. Moorcroft are calling me everyday at the moment so I expect I will see a letter in the post soon.

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Bgm,

 

Dx is absolutely right, you have nothing to worry about with Moorcroft. There is absolutely nothing they can do apart from blow a lot of hot air, making empty threats.

 

Just to clarify, have Santander already paid the money to Moorcroft?

 

DJ

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Bgm,

 

Dx is absolutely right, you have nothing to worry about with Moorcroft. There is absolutely nothing they can do apart from blow a lot of hot air, making empty threats.

 

Just to clarify, have Santander already paid the money to Moorcroft?

 

DJ

 

Hey DJ, thank you for dropping in on this thread its much appreciated!!

 

So there phone calls are nothng to worry about?

 

I'll add some bullet points of info that hopefully shed some light and clarify my situation:

 

  • I was in arrears of about £1900 I think. I sent my letter requesting them to investigate the PPI, the letter was dated 2nd sept
  • When I spoke to Santander recently they said the date the whole loan was handed over to Moorcroft was the 4th sept
  • Santander agreed to pay back PPI and interest etc
  • I recently phoned Santander to see what was going on because I hadn't heard anything since the letter to pay back the claim
  • The guy told me the full amount paid back had been paid off the arrears and now I only owe £4900, and that Moorcroft will be chasing becuase the debt no longer is owned by Santander.

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Moorcroft definitely nothing to worry about Bgm.

 

Just tell them you are not prepared to discuss anything over the phone when you realise it is them calling, then promptly hang up.

 

Personally I would write back to Santander and state they should not have made the full refund to Moorcroft, as all they were entitled to pass over was the amount of your arrears.

 

If they do not reply favourably by the time your 8 weeks from date of first complaint has passed, give the FOS a call and ask them to take up the claim on your behalf.

 

Not sure what they can do as the money has already been paid over to Moorcroft, perhaps some else has experience of this situation?

 

Good luck

 

DJ

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Moorcroft definitely nothing to worry about Bgm.

 

Just tell them you are not prepared to discuss anything over the phone when you realise it is them calling, then promptly hang up.

 

Personally I would write back to Santander and state they should not have made the full refund to Moorcroft, as all they were entitled to pass over was the amount of your arrears.

 

If they do not reply favourably by the time your 8 weeks from date of first complaint has passed, give the FOS a call and ask them to take up the claim on your behalf.

 

Not sure what they can do as the money has already been paid over to Moorcroft, perhaps some else has experience of this situation?

 

Good luck

 

DJ

 

Ok thanks, are there any template letters around for this sort of issue do you know?

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