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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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reclaim charges Help


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Hello

 

Well yes I know it was silly of me not to do this before and I feel an idiot for not checking,

 

But after going though all my letters and such I seem to have very very short supply of statements and letters from Capital one.

 

 

Ive not paid the Capital one credit card for 6 months due to not having the money and sorting all my debt problems out,

 

anyhow to be honest I totally forgot about them as they so quiet with letters and never get any phone calls from them

 

was reading up on other peoples posts and such, and was thinking of trying to claim some

interest rates and any other charges back

 

Just checking my paper work today I don’t have any statements other then just before Christmas August is the recent one

 

I don’t think I took out protection insurance on it not as far as I can remember anyhow.

 

Well the outstanding balance is £1406 but before I got into debt problems the credit limit was £1000

 

I explained them to a long time ago when I got into problems I was trying to sort it all out and waiting for JSA etc

 

Last few recent letters was this month from the Debt Collection company was on the 4th FEB of this month from Fredrickson International Limited ( one got 1 letter from them no phones calls)

 

I sent the Income/outcome token payment of a £1 that letter was sent on the 9th of FEB

 

Last letter I got was on the 16th Saying the debt have been moved back to capital one

 

Im confused what to do? seems ive got an extra £400 on top non payment of 6 months? but as got no statements to check cant confirm what fees are and why

 

any advice on this matter please , Thanks in advance.

 

you would of thought in 6 months I would be bombed with letters and calls but nope since I told them I was waiting for JSA and had other debts and such. Been really quiet

 

Yep I know stupid of me for not looking into this sooner but I was confused with all debt stuff and trying to get my head around it all and stressing myself out :\

 

 

What type of letter do I need to send them to request statements and show what fees ive been getting etc?

Edited by nomore12
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You need to send the sar letter. You need to enclose £10 with the letter. They have up to 40 days to send out all the information they hold on you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

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It needs to go to Capital one.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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No problem. Let us know how you get on. :wink:

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Hi,

 

They have 40 days to comply, how long have you had the Card ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Almost 2 years and a half

 

Ah ok thanks, hoped it might be older.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Hello

 

Well I finally got my SAR info back, Im a bit unsure how to add it up?

 

Do I just add all the £12 late fees up and total it? Or do I need to add %APR onto it or something?

 

Many thanks

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Hi,

 

Have a look at this thread which concluded last week with a superb result for the op, everything you'll need is contained in that thread, any questions, post back here..............

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?272824-BC-Charges-***WON-with-Compound-Contractual-Int-t***&highlight=credit+card+spreadsheets

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Here's a link to the Spreadsheets, if your claiming the Statutory 8% all you do is Fill in the amount of the charge, the date, and the days since and Interest amount is calculated for you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?6964(Simple Excel)

 

You then send a prelim letter asking for the charges back including the interest, send a copy of your spreadsheet.(Send recorded)

 

Dear Sir/Madam,

 

CARD/ACCOUNT NUMBER: xxxxxxxxx

 

I consider that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

Whilst I am mindful of the OFT investigation in 2006 of credit card fees,the OFT deemed that only a Court could determine the fairness of fees and so the £12 figure was only fixed as a guideline.

 

I now request that you refund to me £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX.

 

I give you 14 days to comply,or else provide me with a full breakdown of your costs in addressing any breach on my behalf,which demonstrate clearly that your charges are in proportion to your actual costs.

 

Failure to do so,will result in me issuing a county court claim for recovery of the charges plus interest and costs.

 

Yours faithfully,

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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  • 2 weeks later...

Thank you for your letter dated *** March regarding £12 default sums added to your account

 

I have reviewed your account and considered the merits of your complaint the office of fair trading OFT has no challenged the right of banks to charge default sums, just the level of those default sums

 

Following the publication of the OFT report capital one in line with other banks reduced the level of default sums charged to £12 each week in September 2006 I can see the default sums have been added correct to your account as a result of the way you have managed your account capital one believes these charges are fair and lawful and as a result no refund is due

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Cap 1's standard reply,you could send the same letter again, heading it Letter Before Action giving them 14 days to comply, or file a court claim.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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So I now just wait 14 days for them to comply if nothing then I just file a court claim?

 

How would I go about dong a court claim sorry never done it before?

 

Many Thanks

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Well got a letter from capital one offering the amount back minus £30 which to be fair sounds quite decent and I will accept but have a question

 

in the letter it says it will be taken off my current balance with my debt with capital one signed and returned the signed paperwork

 

well my question was

 

can I ask this money to be paid into a bank account of my choice instead taking it off my balance as like I say it would help me pay off some other debts and would be 1 less debt to deal with

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