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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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      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.

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Eviction Warrant for 2nd time - PLEASE HELP **EVICTION SUSPENDED**


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Hi Ell-enn (All)

 

Is there a prepared letter format anywhere for requesting details of all charges/penalties etc levied by a Mortgage company? I would like to see exactlywhat I've been charged. If there is a question mark over the legitimacy or amount of any penalty/charge they have unilaterally levied, wouldn't that bolster my case at the court hearing? Even so, I just would like to know.

 

Thanks so much

 

Mel

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Hi, yes I can give you a template letter later (I'm at work at the moment). Did you see my reply to your email last night re the budget sheet?

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Hi Ellenn, yes. My brother replied, did you get it? We are in the process of finding out the breakdown of arrears/capital included in the total monthly figure.

 

And thanks for the letter template.

 

Mel :)

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Hi there I have affixed a letter for you to send to request the full statement of account - you need to send it asap and by special delivery - send a copy to their solicitors also with a covering letter saying

 

"Re: First Plus Account No:

Please find affixed for your information - copy of letter sent to First Plus today by special delivery"

 

I have also affixed the letter you need to send once you have received the statement showing the charges.

Mortgages Charges letter.doc

Mortgage Statement Request letter.doc

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OK, you need to get the N244 application to court as soon after the warrant is delivered as possible. I have frafted a statement for Q.10 of the form and will try to complete it this evening. Have you finished calculating your household expenses for the budget sheet? have you decided how much to offer towards the arrears each month?

Yo shouldn't include any DLA benefit in your income column.

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I'll take the DLA payment out.

 

I'm making payments every day I have some spare money. Since last Monday I've paid £ 1875 to MAS. The arrears at the time they informed me that they were continuing with the repossession were £ 4662.47. They now stand at £ 2767.47.

 

Surely this will carry some weight with the judge?

Mel

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I'll take the DLA payment out.

 

I'm making payments every day I have some spare money. Since last Monday I've paid £ 1875 to MAS. The arrears at the time they informed me that they were continuing with the repossession were £ 4662.47. They now stand at £ 2767.47.

 

Surely this will carry some weight with the judge?

Mel

Absolutely - you won't lose your home. We need the budget sheet and how much you are going to pay each month towards the arrears. Don't offer more than you can reasonably afford. The judge would be quite happy with paying £2767 over 6 months or more.

Do you have proof of the payments you have made since last Monday ? we will need to put that evidence with the N244.

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Ell-enn, sorry to sound like a broken record, will it not influence the judge that this is the second time in three months that they have issued a warrant? Even though last time they accepted a lower than total figure (which was paid) to call off the eviction?

 

I really appreciate your help and time on this. Irrespective of outcome, I will be making a donation to the site as soon as matters are resolved.

 

mel

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The judge will make his decision based on the facts presented to him i.e. your ability to pay the monthly installment going forward plus an amount towards the arrears. The fact that you have made arrangements to add to your household income (your brother moving in) and you have paid a large amount before the court hearing shows your commitment to clearing the arrears. It will be OK :-)

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Hi Ell

 

Mike has sent the spreadsheet. I am confident that we can afford to pay the amount we originally agreed with MAS (£1300 per month with £ 618.77 being the monthly payment and the balance £ 681.23 to reduce the arrears)

 

By my reckoning that would clear the arrears in four months (first payment on Dec 1st, last on March 1st 2011). If the judge wants to reduce this amount and/or increase the timescale that's fine but frankly, I'll be happy to have them off my back as soon as possible!

 

I have prepared another payment plan which clears all the arrears by 23rd December, it is possible but obviously much more stringent on the household budget. Should I include this payment plan in the appendix too?

 

Mel

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Please do not offer more than the £613 extra you have already offered - of anything goes wrong and you can't raise the extra payments you will find yourself with another eviction warrant. Only offer what you know you can stick to.

 

You will need proof of the payments you have made since last Monday to affix to the N244 - are you able to do that?

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Ok!

 

Yes, I've spoken to the MAS this evening and they're sending a statement of the past 12 months payments out tomorrow. The lady was actually very helpful and said that she would make a note on the account that it is to be reviewed after each payment ( I plan to pay another £ 600 in the next 7 days). Of course they will not stop the eviction yet.

 

She told me that the reason they are taking action now is because there have been 7 failed plans in the past since the original court hearing in 2007. I can't disagree with that but the central point is that my brother's involvement has made a significant difference and that it was only a technical breach of the last payment plan caused by a salary date mix up.

 

Guess we'll find out soon!

 

Mel

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Hi Ellenn,

 

Yes, I've spoken to MAS tonight and they're sending out a 12 month statement tomorrow. They were very helpful tonight and told me that they cannot stop the action as there have been 7 failed plans on the account., All of these, of course, were prior to Mike's involvement and although we are in technical breach of the latest arrangement as he was two days late with the first payment, it is not fair to lump that in with the previous failed arrangements where money was far tighter.

 

She also told me she would put a note on the account that it is to be reconsidered after each payment prior to the eviction daye (25th November) in light of the effort that we are making to clear the arrears.

 

Ho hum!

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Can you really afford to pay another £600 in the next 7 days ???

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Hi Ell-enn

 

Sorry to ask but have you had a chance to look at the statement? I'd like to submit the N244 tomorrow if possible, Monday is probably fine?

 

I spoke to MAS today, they're increasingly helpful. I paid a further £100 on the account and they told me they would cancel the eviction (now confirmed for 25th November) if the arrears can be reduced to below two month's normal subscription (approx £1250).

 

Surely this plays into our hands with the judge too? We would arrive at that point with the first payment of a new plan!

 

Mel

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Hi, the statement is done - I was just waiting for you to confirm you had proof of all the payments you have made since last Monday....

 

How much would you need to pay to bring the account down to 2 months in arears ?

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in addition to what I have I would need to find another £800. Arrears currently stand at £2667. Two monthly subscriptions = £1240. I'm paying another £ 600 next week, so another £800 will reduce it to their threshold for cancellation.

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This is ridiculous! They're blackmailing you ! If you are going to apply for a hearing I would let the judge decide what is reasonable - believe me, there is no way you will lose your home.

 

Please do not try to rustle up another £800 so they cancel the eviction, just go to the hearing and pay what you have offered each month, the judge will be absolutely fine with that.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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