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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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HFO services / Barclycard


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Hi all just checked and both the SAR & CCA letters have been delivered and signed for I have printed out the receipts.

 

So the clock is now running HFO have got until the 2nd December for their 12+2 working days.

Will keep you update with any developments.

 

DT

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hello - First time for me on this site but i had a letter exactly the same delivered to me two days ago. Never been in this situation before so had a bit of a panic and then read the threads on here and didnt feel so bad.

I defaulted on a Barclaycard bill 4 and a half years ago and thought in my ignorance that i had out run it. But no!

After reading alot on here i took a trip to the CAB and they put me in touch with National debt line who i spoke to last night. My situation is that i am on long term incapacity benefit and have hardly any money coming in at all. After my out goings i am left with about £ 30 a month.

After a very helpful chat with the debt line man he suggested that i might be eligible for something called a debt relief order - this basically means that so long as i dont have more than £50 a month left after paying all my out goings that in a year the debt will be wiped and HFO will get nothing at all. I am going to send HFO a hold action letter but i dont k now if you can do a recorded delivery to a PO box address?

If for some reason the debt relief order is unsuccessful then i will have to agree a repayment scheme with them.

Basically i was just writing here to say thank you to all the people who have contributed on this forum for calming me down because i was on the verge of ringing them up or ignoring it ! And i know that many people here may not be able to apply for the debt relief order but if you have a debt of less than 15 thousand and no assets and basically no available funds then this might be the way to go.

Fingers crossed and thanks again :)

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If you have other debts then a DRO is a good thing for you, if this is your only debt then you can ignore the letter from HFO quite safely, if you ignore them they will continue to send threatening letters and eventually either give up if there is no reply or send court papers, in which case there are good defences you can give.

 

Do not do a DRO if this is the only debt you have. You also should have a new thread for your own problem.

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  • 2 weeks later...

HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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They have not complied with your request. Write back and ask for the specifics missed, viz. default notices, termination notices and details of to whom and when the account was sold.

 

Idiots. Seems to be becoming a standard response.

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HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

 

Watch for the post! I had the same responce from Barclaycard and 18 months of statements, that was two weeks ago, this morning the rest of my SAR came by recorded delivery - makes for interesting reading, I can tell you! It's a possibilty yours may do the same!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Send em this

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal datalink3.giflink3.giflink3.gif is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a Default Notice and Notice of Assignment

2) You have failed to inform me to whom the account was sold. Please note that this must include company name, company registration number, full address and telephone numbers. Also the exact date on which the account was sold.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

Please support CAG and they will support you.

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Thanks Coledog.

 

I will send it of tomorrow when I am at the post office.

 

I have just came a cross this statement of account from Turnbull Rutherford from January this year.

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0014.jpg

 

Also checked the statements and the last payment was was a token one made on the 14th February 2005 .

 

I am write in thinking because I live in Scotland this debt is statute barred as its now over 5 years since I made a payment.

 

DT

Edited by dogtrainer
spelling mistake

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Yes, you are correct. It will be now SB.

 

That ‘statement’ is full of cr*p.

 

They state the legal owner as HFO Capital Ltd. This cannot be the case, and we can prove it.

 

They state the contractual interest rate as 12%. What contract?

 

They have added interest from the date they claim to have acquired it. They can only claim it from the date you were notified by NoA.

 

It says you have a contract with Turnbull Rutherford Solicitors. Exxcuse me? You’ve just claimed the legal owner is HFO Capital! How can there be a contract with TR?

 

They are not allowed to add administrative charges – OFT guidelines, unless it’s in the contract. Oh, what contract?

 

What a pile of dissembling rubbish. These idiots must be put under close scrutiny by the OFT for these misleading and frankly unethical business practices.

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Thanks Donkey B

 

What do you think I should do next just ignore them and hope that they will crawl back under their stone again as the clock is ticking on CCA request

 

I will send of the letter Coledog wrote of tomorrow and wait and see what comes back .8)

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hi Coledog

 

The CCA request is up a week tomorrow 2nd December

 

The last payment according to the statements was a token one received by B/C on the 14th February 2005 cant remember making it though:!:

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Below is the link to the in dispute letter to send if no CCA response - await the result of SAR and let us know if you receive anything

 

http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request

 

,

Please support CAG and they will support you.

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well wot can a fella say?

 

I'm always drinking - tea, coffee, water, squash, sherry, wine, the odd pink gin

and I do like a nice long G & T... oh, and a glass of decent mild now and then -

or whenever I can find one

 

The line from the Goon Show song seemed so appropriate at that moment -

glad I could raise a grin or two... my wife tells me I have a dreadful sense of

humour so I have to try very hard.

 

It's being so cheerful that keeps me going :-)

 

 

Cheers guys,

charlie

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