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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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Help please - with Cap 1 and FPC


Madcat333
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This is my first post ever - any help will be thankfully appreciated.

 

Cap 1 recently terminated my c/c acct and passed the chasing of the debt to FPC.

 

The first I knew of it was when I received a termination notice.

 

Upon receipt of the termination notice I rang Cap1 and was told a default notice had been sent out a month or so earlier and since I had done nothing in compliance with it they had taken things to the next level.

 

I stated that I had never received the notice and what should I do to resolve the issue. They told me FPC was the only course of action open to me.

 

I have no qualms about paying Cap 1 what I owe but feel that I have been treated unjustly by not having the notice served correctly in order for me to sort things out with them.

 

Cap 1 say they will not supply a copy of the default notice but tell me one was generated and posted.

 

All I want to do is pay them whats owed versus their statements and sort out the default issue. I do not require anything more from them.

 

FPC are pestering me to make an arrangement with them which I will not do ! They keep telling me I am "unwilling to pay" to which my reply is:- I pay money directly to Cap 1 who I owe it to - not third parties !

 

Once again any advice on dealing with Cap 1 would be appreciated.

 

Regards.

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Many thanks for such a prompt reply ims.

 

As yet I have not looked into the charges side of things.

 

I was more worried about the DCA angle and their pestering.

 

I will certainly be ignoring the DCA from this moment onward.

 

I am a little concerned that Cap 1 have acted unreasonably and that I had a right to sort things out

with them under the default notice they are alleged to have sent.

 

Although I am continuing to make payments to them I want to apply some pressure in order for them

to rectify their mistake.

 

I'd be happy to receive statements from them and pay them without having the facility of a card, such is my distaste

towards them for their poor service.

 

Obviously I then have the problem of the default status on my CRA files to contend with.

 

Madcat

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May I ask on what basis a default notice was issued? I mean were you in arrears or was there a bad payment history? can you give some more info?

 

Why do you feel they issued a DN by mistake?

 

I'd certainly be looking into getting charges back as well.

 

Thanks

 

ims

 

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exactly the same game now with them

 

been like it since last october

 

dont worry about freddies

 

they nor anydca can do stuff all to you

 

just pay cap1 what you can when you can by internet banking [NOT DD!]

 

oh and if freddies write or ring you at work

 

the TS are curently VERY interested in the letters/calls

 

freddies were warned of this twice in 2009 but have now changed name to FPC

and think they can just start up their old unlawful tactics again.

 

shock coming!!

 

they've been recorded three times now being told not to call a works number

even got the operations room [what?] supervisor to removed the number

 

still get 5-10 automated calles to the works

each is being logged recorded and sent to my TS contact.

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Had the Card since April 2006 - no real problems with meeting minimum monthly payments.

 

Around July time last year I was unable to make the full minimum payments

 

In September 2010 I approached Cap 1 to make an arrangement to pay minimum payment (approx. £170) plus a minimum additional £30.00 to clear the arrears.

 

They would not listen and would only accept things on their terms - £272 pcm for 6 months.

 

I told them it was unreasonable but made as good an effort as I could to repay.

 

I queried why they had amended the payment due date to the 3rd of the month from the 21st and was told not to worry about it.

 

Consequently they were heaping £24 per month on to each passing month in charges, which had they stuck to payment dates of the 21st would have been avoided.

 

I might have had small arrears by the time of the default notice. which if served for a breach of minimum payments (?) I would have accepted knowing that there was nothing that could not have been sorted within the period it allows to rectify things.

 

There has been no unwillingness to pay on my part - but dealing with them and getting them to appreciate and understand is nigh on impossible.

 

Regards

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I'd go for them for those unlawful charges plus compound interest. That will help with the o/s balance

 

As part of your claim you can request the default notice be removed as it was in wholly or in part due their unlawful charges.

 

In the meantime pay them what you can afford....you tell them what they are getting not the other way around.

 

ims

 

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Many thanks once again for the advice.

 

I am going to be putting the finishing touches to a letter over the weekend which I will be sending to their Nottingham Offices for the attention of Mr Liam Quegan.

 

I had cca'd them at the beginning of April 2011, as per some advice I had read in these forums.

 

He replied in letter form, dated 21 April 2011 received by me 3rd May 2011.

 

They supplied a copy of the Agreement which all looks in order, but he commented that they would not supply a copy of the default notice because they didn't have to.

 

Nor did he feel the need to discuss it further since they assure me one was posted !

 

He then corresponded to tell me FPC was the way to go !

 

Obviously I disagree - so it looks as if this might be the start of something lengthy in terms of getting things sorted.

 

Regards

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Hi

 

I think that they are right in that they don't have to supply a copy of DN.

 

Might not be as lengthy a process as you might think.

 

Have you got ALL of yur statements? If you have you won't need to SAR them and the procedure would be preliminary letter requesting charges back plus interest, followed by lba with the same request if there is no payment made. If they still don't cough then it is off to court with claim for charges + CI + Stat Int.

 

If you haven't got all your statements then SAR would be necessary to get them all and then revert to the procedure above.

 

They usually cough up before getting into the court.

 

ims

Edited by ims21
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  • 8 months later...

Hi All.

 

Based on the above info I have continued to regularly pay Cap 1 an amount via standing order.

 

I am still receiving letters and phone calls from FPC/ Fredricksons which I have logged but not responded to.

 

However I have just received a letter from Bryan Carter Solicitors stating that they want to take me to Court unless I contact FPC and make an arrangement with them.

 

I will still continue to pay Cap 1 directly but am wondering about doing something with regards to the recent correspondence I received.

 

Thanking you in advance for any forthcoming advice.

 

Regards

 

Madcat

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may. might,instructed, recommend

 

never WILL.

 

got all those letters in te same order three times over now

 

the balance will be wiped out with a penalty charges reclaim+unt at their rate

 

i stopped paying months ago now.

 

oneday i might fire off a charges reclaim

but i'll let the situation continue for now

as i want to see what willl happen to it.

 

if you can put up with the computer generatedrubbish then i would ignore them

 

got that SAR done yet?

 

on the DN front

they only have to show that the 'system' requested a DN be sent

they dont 'have' to have a copy

 

dx

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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