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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Link Claim Forms -MBNA debts


Prudence
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Re CB's post above:

(Righto.. in which case, I think you need assistance with a good counterclaim argument for the charges smile.png

I will try and find someone who can help with that.

Meanwhile, I would send off the CPR31.14 requesting a copy of the Default Notice and Notice of Assignment. I doubt very much you will manage to get a better copy of the "agreement" but it is worth asking also for the terms and conditionslink3.gif from inception and any variations throughout the history of the contract. Plus of course the statement of account showing how the balance has accrued smile.png

 

I am wondering if a properly worded letter to Link, regarding the charges, might stop this in it's tracks ?

 

Opinions anyone ? )

 

I am sending of the CPR 31.14 letter today but why not, as CB suggests, write a letter pointing out that I will be submitting a counterclaim for an amount which exceeds their demand?

Couple of questions on this (1) Do the Courts always accept claims for those charges? and (2) Doe the Courts accept the calculator spreadsheets as supplied on here?

Many thanks for all your help guys. P

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(1) Do the Courts always accept claims for those charges?

 

Of course not, it all depends on whether you as the Part 20 Claimant can satisfy the court that you should as a matter of law be refunded. You shouldn't consider a counterclaim as a windfall, you will have to work to prove the validity of your claim.

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I'm just answering the question you asked, these claims are not always accepted and you need to know that you will have to work to prove your case. Feel free to ignore my advice if you'd prefer but there's no need to get in a flap!

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I have been through the court process once before with superb help on here so I am aware of the work involved and I am not frightened of work. I'm not getting in a flap and perhaps I am misreading your tone in a couple of your posts. I do not want a penny from these people; I suffered many years from the likes of these companies. However if it is my right and I am advised as I have been in the past, then yes I may go for it. I will take the advice of those far knowledgable than me. However, I thank you for your advice.

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Hi Pru

 

Do a search for user Shelley heres a link http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**&p=3753070#post3753070 some success with unfair charges.

 

Regards

 

Andy

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  • 2 weeks later...

Hi, to update - I have had no communciation at all from Link and I have their signed receipt of my S31.14 letter which they received on 18 April.

 

I did acknowledge the claim online and ticked "I intend to defend all of this claim". I have not indicated anything about a "Counterclaim" - do I need to or is that notified as part of my Defence?

 

I would really appreciate any advice on how to proceed. Many thanks, Pru

 

Reading through Shelley's case, am I correct in thinking I could run into difficulty as the charges go back more than six years

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Prudence, can you remind me of your timeline again? when do you need to submit a defence ?

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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pru the guys on here can advise further! but using your sar money to fund is breaching DPA Rules! MA

 

If they havent provided the data, then yes they are breaching the rules.

 

However, they can then use the money however they wish. What they cannot do is use that £10.00 to reset the statute barred or time limitation clock. It is an unsolicited gift, one which the account holder has not sanctioned or acknowledged in anyway :)

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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Hi, to update - I have had no communciation at all from Link and I have their signed receipt of my S31.14 letter which they received on 18 April.

 

I did acknowledge the claim online and ticked "I intend to defend all of this claim". I have not indicated anything about a "Counterclaim" - do I need to or is that notified as part of my Defence?

 

I would really appreciate any advice on how to proceed. Many thanks, Pru

 

Reading through Shelley's case, am I correct in thinking I could run into difficulty as the charges go back more than six years

 

Thank you, Link did reply a with a statement of all actions occurring since they had the account in their hands, that was all.

Could you advise on how to proceed following update above please? Many thanks, Pru

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It is my understanding if you are going to counterclaim, then you do it as part of your defence.. if you are submitting your defence online then you would enter you defence, then underneath your counterclaim.

 

I am pretty certain I have seen one just recently. I will find the link and post it here for you. Probably tomorrow now.

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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Hi, would be very grateful for any advice re my post #149 and what to do about the lack of response to my S31.14? Do I follow up?

I'm worried about how I'm going to be able to put together a defence without the documents they are referring to.

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Hi Prudence

 

Have you any other reasons to defend apart from a non response to CPR 31.14? Your Counter Claim will be submitted with your defence, this is known as as Part 20 Claim.

There is a fee and you should prepare a spreadsheet of charges and evidence to back up your claim.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy. One thing is the 'contract' they are relying on is the application form I completed originally for mbna - is this acceptable as an Agreement? I know I have received the PPI amount but my application form had the PPI ticked by someone (not me!) Also I was clearly 'self employed' so not eligible. Does this not have any bearing at all on matters? I don't remember receiving a Notice of Assignment of Default Notice.

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Some applications can double as the agreement once activated by the card (post 2007) providing it as the perscribed terms and as been executed then it may well be enforcible.Plink invariably ever respond to CPR requests so you need to draft an holding defence with other reasons for defending.None response to CPR can not be used as a defence as the courts will accept that they will disclose at Standard disclosure.You may be able to force the issue at AQ if its Fast Track.

 

You state " know I have received the PPI amount (Refund ?)but my application form had the PPI ticked by someone (not me!) Also I was clearly 'self employed' so not eligible. Does this not have any bearing at all on matters? Yes on your Part 20 Counter claim I don't remember receiving a Notice of Assignment of Default Notice. Again not really a valid reason as a defence they will simply state well they were sent.

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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