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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. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which 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, Barclaycard and debt relief order help please!


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Under the advice of wiser people than myself i have started a thread here to explain my situation and ask for a little bit of help.

 

I have received a lovely "threatener" from HFO services for a Barclaycard debt that i thought i had out run. The debt is for nearly £3000. I had a little panic and considered ringing them but after reading the posts on this forum from people concerning HFO i decided to try other things. I have been to CAB and they put me in touch with the National debt line people.

 

I am on long term incapacity benefit and after working out my incomings and out goings i have just under £30 a month left to put towards any debt repayment. i Stated in another thread that i was considering a Debt relief order that would wipe out the debt for no cost to myself after a year so long as my circumstances do not change - ie. debts under 15 thousand - no assets - and less than £50 a month after outgoings all paid. I was advised that i should not do this if it is my only debt ( which it is ) and to not even send a Hold action letter to HFO.

As i have no expertise in this area at all and have no other debts and am not likely to accrue and more debts, i would be very grateful for any further advise. The DRO sounded like a good idea to me - is it not?

 

Thanks in advance

 

LBP

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To try and help can you give us a bit more information.

 

When did you originaly get your Barclaycard

When was the last payments you made on it?

 

What exactley have HFO sent you in the post so far?

 

Are you able to upload it removing any personal information and agreement numbers etc.

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As I said on the other thread do not reply to them and do not follow the advice from National Debt Helpline unless you have more debts.

 

HFO will have loaded interest on this alleged debt, and a file transfer fee, and alleged 'legal tracing fees' (have seen this on a letter a colleague brought in - getting them on the site too - charging £500 for tracing them).

 

Ignore them for now and see what else they come up with - don't forget to watch out for 'Silverpoint Delivery or First Logistics cards posted second class from SW19 claiming you have to contact them re important information or documents they can't release until they have confirmed you are you.

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Hi there.

 

Welcome to the forums.

 

Debt Relief Orders are excellent options as they can prevent creditor action quickly, they will also allow you to become debt-free after the 12 month period. What I especially like is the fact that creditors are banned from chasing people during that 12 months.

 

Option b is to try to see if there is a legal challenge as to the enforceability of the agreement. This might take longer, during that time HFO may continue to press for payment. Ultimately you might be abkle to get them to stop chasing if the debt isn't legally enforceable.

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Thanks everyone - i cannot upload any photos of my one and only communication from HFO but i can tell you that it was exactly the same one as Dogtrainer uploaded

I have not used or even seen my barclay card for over 4 and a half years and i think i have had it around ten years ( give or take )

What i really want to know is what is wrong with doing the DRO? And what if they take me to court? Ive never had to deal with people like this before so i am wary to say the least - im not stupid but i dont wish to get myself in more trouble when the debt relief order will get me out of trouble - i bow to those with more experience and better judgement :)

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What i really want to know is what is wrong with doing the DRO? And what if they take me to court? Ive never had to deal with people like this before so i am wary to say the least - im not stupid but i dont wish to get myself in more trouble when the debt relief order will get me out of trouble - i bow to those with more experience and better judgement :)

 

Hi there.

 

There is nothing wrong with having a DRO. In fact the benefits are:

 

a) HFO will be prevented from being able to contact you, also they will not be able to use any type of egal proceedings against you whilst the DRO is in place

b) interest and charges are guaranteed to be frozen

c) at the end of the 12 months the debt is written-off and you can make a fresh start

 

the drawbacks are:

 

a) the DRO will appear on your credit file for 6 years and affect your ability to borrow during that time, it's likely your credit file has already been significantly affected anyway

b) for the 12 month period your name will appear on a database of people in formal insolvency options

 

The route of challenging your credit agreement is perfectly fine too, it may take a while and there is no guarantee that the agreement is unenforceable (which is why people will look at it on here!). Also, some courts have granted court orders against unenforceable agreements - this process can take time. In all honesty if you're looking for a quick solution the DRO is certainly worth considering.

 

Best wishes,

 

Seq.

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I think that the advice is - it may not be worth doing the DRO if this is your only debt. The HFO purchased debt could be unenforcable and will probably become Statute Barred in a year and a half anyway. You are not 'in trouble' you have committed no crime and have to put your own priorities first.

Please support CAG and they will support you.

donate

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I think that the advice is - it may not be worth doing the DRO if this is your only debt. The HFO purchased debt could be unenforcable and will probably become Statute Barred in a year and a half anyway. You are not 'in trouble' you have committed no crime and have to put your own priorities first.

 

A very succinct answer.

 

The key issue is how you feel about challenging the debt. Most long-standing forum folks can tell you that many debts can be challenged, it just takes time. Also, the legal system is (sadly) unpredicatble, the creditor might win if it ever got to court. Having said that, you could always get a DRO at that point anyway!

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So, today i received a new letter from the lovely HFO telling me i now only have 72 hours to contact them or they will get very cross indeed. They also ,very helpfully, included a few photocopied sheets of paper telling me "what to do if i cannot pay my judgement" .. and the amount i owe has been raised a little bit for their troubles.

Im still unsure if i should just ignore them completely or go with the DRO.

Thanks again for everyones input :)

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I would suggest hitting them with a CCA request and find out if they are entitled to pursue you for this. This will cost a £1 postal order and you give them 12 plus 2 working days to come back with a valid agreement. If not you can place the account in dispute.

 

I will find the letter link for you.

Please support CAG and they will support you.

donate

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So, today i received a new letter from the lovely HFO telling me i now only have 72 hours to contact them or they will get very cross indeed. They also ,very helpfully, included a few photocopied sheets of paper telling me "what to do if i cannot pay my judgement" .. and the amount i owe has been raised a little bit for their troubles.

Im still unsure if i should just ignore them completely or go with the DRO.

Thanks again for everyones input :)

 

DCAs always give ridiculous timescales, it actually takes a fair while to get to the court stage, you should consider sending the CCA just to fend them off for a while!

 

Best wishes,

 

Seq.

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Link to CCA letter, send recorded delivery with a £1 postal order, do not sign. Let us know if anything is returned - after 12 plus 2 days you can send them the account in dispute letter. If you can find out if this debt is actually enforcable and HFO have a right to collect it, you can then make an informed decision about the CRO.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

Please support CAG and they will support you.

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  • 3 weeks later...

if you are on benefits and have very little in the way of disposable income or assets i doubt very much if this bunch of parasites will bother chasing you anyway once they know that...send letter for cca and lets see what they come up with

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Hello all - to be honest i have printed out all the relevant letters to send but i have not sent them - they sent me the "72 hours or we will get you" letter a while ago now and i have not heard anything from them since.

Im going to ignore them for a while longer and see what happens - to be honest my fear is - if i write to them then they will be sure they have my address - they have no actual proof of anything at the moment. If it gets serious again i will follow all the kind advice i read on here

Now - knowing my luck - tomorrow i will get a court summons. :)

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I think that is a good tactic - just ignore for now and don't let them get at you, you have the ammunition if they come back. Keep in touch. BR should always be the last resort,

 

They will only take you to court if they think it is worth their while

Please support CAG and they will support you.

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  • 2 weeks later...

I am still trying to "pretend i dont exist" i realise i may have to face up to reality but i was wondering - i have received another letter - this one entitled "schedule of litigation" - what is the procedure for being taken to court?

Will i be made aware of when a court hearing is or can they do this without me? Will i receive actual letters from the court telling me when the case is? I really have no idea about this at all. Is it worth still ignoring their letters?

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