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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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Hi all I'm new to the site.

 

Can anyone help me I'm at my wits end now with debt.

I had a company go bust on me 18month ago, taking me for 26k leaving me in alot of debt.

I am fighting a court claim at the moment for 2k with a blind company.

Awaiting a court date.

 

I have returned home today to find a letter from hceo saying they will be removing goods.

The total is now 3k? I

have checked my credit file and there is a ccj listed against me with the creditors details.

Could I have missed the court date?

 

What situation am I in with regards to the officer?

Can he enter my home?

Can he take the car? ( my wife needs it for work and to get kids to school)

im only working 16hrs wk at the moment.

We are 20k in mortgage arrears and thinking of BR or an IVA.

Most of our stuff is joint owned.

 

The reason I'm taking the company to court is because the credit was in a company name and they are Persuing me.

 

I'm really at my wits end now.

 

Please help. Looney

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not my game sadly

 

but through the advvanced search top right and the stickie at the top of this forum momepage

there should be clues to help for now

 

and also look at other threads with HCEO in the title.

 

i would post up more details about this here if i was you

 

the troops will be on in the morning.

 

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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Hi all I'm new to the site. Can anyone help me I'm at my wits end now with debt. I had a company go bust on me 18month ago, taking me for 26k leaving me in alot of debt. I am fighting a court claim at the moment for 2k with a blind company. Awaiting a court date.

 

Anyways I have returned home today to find a letter from hceg saying they will be removing goods. The total is now 3k? I have checked my credit file and there is a ccj listed against me with the creditors details. Could I have missed the court date? Had you received any documents from Court? Did you acknowledge their Service? Did you reply? Did you enter a defence, counterclaim, offer of payment? If not you maty be able to apply for set aside. Have a read of this linek:

 

http://www.insolvencyhelpline.co.uk/debt_factsheets/how_to_set_aside_a_judgment_in_the_county_court.php

 

What situation am I in with regards to the officer? Can he enter my home? Only by peaceful means. Can he take the car? Yes but it may depend upon whose name it is in or is it on finance ( my wife needs it for work and to get kids to school) im only working 16hrs wk at the moment. We are 20k in mortgage arrears and thinking of BR or an IVA. Most of our stuff is joint owned.

 

The reason I'm taking the company to court is because the credit was in a company name and they are Persuing me.

 

I'm really at my wits end now. I can't take this anymore

 

Please help. Looney

 

PT

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  • 2 years later...

Please can anyone help me? I really dont know where I stand with this Bailiff.

 

The story..

 

In Sept 2010 I ordered some blinds for my house/conservatory in my Business Name as i was turning it into an office, for the sum of £3750, i paid a deposit of £1500. The blinds were fitted and I was then invoiced for the remaining balance. Unfortunately shortly after I was invoiced I had a company go Bust on me leaving me with no money. I spoke to the Blinds Company but they wasnt interested.

 

The next thing I know ( Nov 2011 ) there is a Bailiff from the High Court at my door with a Warrant in MY NAME, I was unaware they had even been to court. Now I didnt let him in and I cant remember him Levying anything.

 

I checked my companies status as it was a Limited Company and unknown to me Companies House had Dissolved my company in May 2010.

Now because I should have known about my Company I thought I would Honour the debt (and because i still had the blinds) so I made an arrangement with the Bailiff to pay £30 per month. I have paid this every month without fail.

 

2 weeks ago I received a call from the same Bailiff who I made the arrangement with, saying that he had been instructed to take my car and that he wouldnt but would have to post a notice letter, he said he believes it is unfair as I have stuck to my sideof the deal.. He has been very helpful and has gave me the heads up when hes coming etc.

 

However, today I have had another call from him to say that he is being put under more and more stress from his Directors and eventually he will have to come and take it :mad2::mad2:

 

The question is where do I stand? My 8 year olsd son has just been diagnosed with Diabeties and my wife needs the car to go the school etc to give injections and so on.

 

Also the car is worth over 20k and the Debt is just over £2800 with fees etc.

 

Any help would we greatfully received..

 

Gareth

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Hi Tom thanks for the reply. The blinds were ordered in my LTD Company name (although unknown to me Companies House had Dissolved my company) before before I ordered them.

 

The CCJ is definately in my name but im not sure about the Writ/Warrant as I have never seen it. I have asked for all paperwork from HCE regarding payment history a copy of the agreement I made and a copy of the Warrant but all they sent (email) was the payment History.

 

Many Thanks

 

Gareth

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Did you sign a personal guarantee as the LTD company?

 

It sounds like he gained judgement by default by filing the claim on the wrong address. If you didnt sign a personal guarantee, and its only in the OTD name, then you need to get the judgement set aside and possibly get your money back.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Then it sounds like he got the CCj in your personal name via another address. You need to get it set aside.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Both address's would be the same as my business address is my Home address. Also I have been reading about HCE'Os not being able to take cars etc if there is fanance or a loan on the vehicle. Can anyone enlighten on this? Ie if i got say a £200 log book loan would this help save my car?

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Im not sure specifically. Hold off until someone more knowledgeable can guide you. Youve got till monday anyway, so take a breather.

 

One thing im puzzled is this bailiff said his directors are on his back, yet it should be the claimant is on his back.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I think you will find that it was discovered your Ltd Co had been struck off which would then leave you exposed to the debt in your own name. In my view I don't think set aside will succeed. As your agreement is with the HCEO then I'm not surprised they are looking for more and if you deny him entry then he can indeed take your car to settle the debt, doing a LBL at this stage will be futile as it will be apparent it has been done to try & evade payment.

 

You do have 2 courses of action you can take:

1 - Variation Order - whereby the Court can set the level of payment

2 - A Stay of Execution against the HCEO - the grounds of which could be:

i - you cannot afford the fees demanded

ii - you may be classed as potentially vulnerable as your son has Diabetes - Type 1 or 2 - and needs regular medication & monitoring

iii - the HCEO is threatening to seize & sell your vehicle which is required because of your sons illness

 

Please note however that the Court may refuse the Stay as the vehicle could settle the debt and there should still be enough left from its sale to purchase another vehicle. On that basis it would be better to sell the vehicle yourself.

 

Have you asked the Enforcement Officer for a breakdown of the fees they have charged as I suspect most of what you have paid so far willhave gone on fees.

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Thanks for the advice.. I thought as much which is why I have been paying the debt. I have no problem paying but it has to be within what I can afford.

 

Also with regards to the CCJ does the fact I knew nothing about it untill the Baliff knocked count for anything?

What is an LBL? What form do I need to fill in for a Stay?

 

Here is what I had back when I asked for a breakdown.

 

£2,274.84 - Payable to the Claimant, made up as follows: -

£1,752.56 - Judgment Amount & Costs

£111.75 - Costs of Execution

£410.53 - Interest @ 8.00% p.a.

£579.51 - Officer Costs, inclusive of VAT, made up as follows: -

£161.59 - Valuation Fee

£5.45 - Daily Seizure Fee

£357.01 - Additional Charges consisting of Administration & Financial management fees and

arrangement fees.

£55.46 - Poundage

£2854.35 TOTAL

 

Then on my statement it says this.

 

Judgement Debt : £1,986.56

Execution Costs : £111.75

Interest : £151.02

Claimant Total : £2,508.84

Officer's Fees : £638.35

Balance : £2,854.35

Less Credits : £0.00

Total Levy : £3,214.35

Less Payments : £360.00

Daily Interest : £0.38

 

With regards to my car, it was paid for from my personal account but the money used to pay for it was actually my Current Ltd Company's. I dont use a Business Account I just Invoice and then get paid via BACS into my Personal Acc. Could it theoretically be classed as a Company car even though it is in my name?

 

Many thanks

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Also with regards to the CCJ does the fact I knew nothing about it untill the Baliff knocked count for anything? You never had the chance to defend or counterclaim but as you admit the debt is owed it is of little consequence as a CCJ would have been awarded anyway, but at least you could have a formal arrangement to pay without the involvement of the HCEO.

What is an LBL? Log Book Loan What form do I need to fill in for a Stay? N244 but if going down this route you may need a hand to fill it in.

Here is what I had back when I asked for a breakdown.

 

£2,274.84 - Payable to the Claimant, made up as follows: -

£1,752.56 - Judgment Amount & Costs

£111.75 - Costs of Execution

£410.53 - Interest @ 8.00% p.a.

£579.51 - Officer Costs, inclusive of VAT, made up as follows: -

£161.59 - Valuation Fee - what did they value?

£5.45 - Daily Seizure Fee - what did they seize?

£357.01 - Additional Charges consisting of Administration & Financial management fees and

arrangement fees. Ask them to define each one?

£55.46 - Poundage - they can only charge this for monies actually collected which is 5% on the first £100 = £5 and then 2.5% for everything else, so for £360 it should be £11-50 in total

£2854.35 TOTAL

 

Then on my statement it says this.

 

Judgement Debt : £1,986.56

Execution Costs : £111.75

Interest : £151.02

Claimant Total : £2,508.84

Officer's Fees : £638.35

Balance : £2,854.35

Less Credits : £0.00

Total Levy : £3,214.35

Less Payments : £360.00

Daily Interest : £0.38

 

With regards to my car, it was paid for from my personal account but the money used to pay for it was actually my Current Ltd Company's. I dont use a Business Account I just Invoice and then get paid via BACS into my Personal Acc. Could it theoretically be classed as a Company car even though it is in my name? Others better than me should be able to explain this one.

 

Many thanks

 

PT

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PT

 

Hi Tom many thanks. Do you think I should go down the 244 route then? I need to buy some time at least. I'm wondering if If they may take a partial Final payment after Christmas as I have a van to sell which is worth about £1600. I could poss add £400 to that.

 

I'm not sure what he has valued and he hasn't seized anything. I haven't had a levy or anything through the door either.

 

The Baliff has been very helpful if I'm honest. I just hope it isn't a smoke screen. I'm going to call him tomorrow.

 

I will also ask for a full breakdown.

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You may be better off submitting a Subject Access Request - costs a tenner but can be invaluable. A full breakdown will only give you a list of figures. As your car has not yet been seized there is nothing to stop you parking it elsewhere out of sight. Personally I think the N244 won't work as there appears to be too much against you.

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Did you know the claimant had gone for a ccj, ie: did you receive a letter before action followed by the N1 claim forms then notice of the Judgment?

 

 

If you had made arrangement with the HCEO and have not defaulted on that, what reason do they give to a suggestion the full amount is now due to them. Do you have the arrangement in writing?

 

 

They cannot simply say 12 months down the line 'we have cancelled our arrangement with you now pay us in full'

 

 

Your answer to the above will give a clearer picture to allow advice on what your next step should be.

 

 

WD

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Did you know the claimant had gone for a ccj, ie: did you receive a letter before action followed by the N1 claim forms then notice of the Judgment?

 

I didn't get any notice of a claim form, just a letter to say I had a judgement and then hceo turned up.

 

If you had made arrangement with the HCEand have not defaulted on that, what reason do they give to a suggestion the full amount is now due to them. Do you have the arrangement in writing?

 

They haven't give me a reason! Basically he just rang me and said they now want paying in full, do you drive "such a car". Note I had the car well before the arrangement.

 

No written agreement although I do have bank staments showing the same amount each month. I also have a bailiff letter from sept which said I was £30 in arrears with my payment agreement which I WASNT. I rang immediately and this was rectified. I have always paid on time.

 

 

They cannot simply say 12 months down the line 'we have cancelled our arrangement with you now pay us in full'

 

 

Your answer to the above will give a clearer picture to allow advice on what your next step should be.

 

 

WD

 

Replied to above many thanks. This is really getting me down now :-(

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You may be better off submitting a Subject Access Request - costs a tenner but can be invaluable. A full breakdown will only give you a list of figures. As your car has not yet been seized there is nothing to stop you parking it elsewhere out of sight. Personally I think the N244 won't work as there appears to be too much against you.

 

 

What is a Subject Access Request? I'm completely lost :-(

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A Subject Access Request is an application you can make on the HCE the cost is £10 and they have 40 days to reply. The law states they must provide anything and everything they hold on you so this is a useful tool as it should provide you with a detailed sequence of events, show what fees have been applied to what work they allege to have carried out, there should be a screen shot of the traffic on your account and contain in your case notes who authorised the bailiff to renege on the repayment plan you have in place plus their reasons for doing so. It should also give the date the alleged 'levy' on your car took place and outline how that levy was conducted. Some of the replies to SAR's can be difficult to dissect but there are people here on cag who can do that for and make note to any discrepancies or irregularities contained within it.

 

 

At the moment I can only see grounds for set aside based on the fact you have never received the claim, now that is fine as you are entitled to submit/counterclaim and it could be argued you have been denied that right.That you have acknowledged the fact the debt is there would leave you possibly exchanging one ccj for another as a further hearing will be required to hear your defence. There are however other options available to you but lets take it one step at a time.

 

 

I would suggest you continue to make your regular payments and perhaps wait until you have the reply to the sar before you take further action. You can still apply to stay the writ and use the fact you have submitted the sar and are awaiting a reply to enlighten you further. That will need to be worded very carefully but once again help is at hand to help get it right. If you choose to do that then you must inform the HCEO, they can still try to enforce the writ in the interim period but many will put that on hold pending the outcome, best bet would be to refuse them entry and make sure the car is safely tucked out of the way.

 

 

Could you tell us who's the HCE as it helps to know who we are dealing with or if you prefer not to give that info on the forum perhaps you could send a PM to the site team and they will pass it on to me (you don't as yet have enough posts to send PM)

 

 

Please try not to worry over this.

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You have a asset worth over £20k (and a van worth £1.6k) and you were only paying £30 per month? I think you've been lucky to keep the car to date.

 

I agree that you should have been aware of the judgment but my advice is to downgrade your car and pay the judgment debt at least. You can argue the costs afterwards.

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They cannot simply say 12 months down the line 'we have cancelled our arrangement with you now pay us in full' WD

 

I would disagree.

 

The creditor may be putting pressure on the HCEO and given that the debtor has sufficient assets to easily cover the debt it should be paid in full in my opinion. It is not right that the creditor has to wait years for their money when the debtor has the ability to settle it quit easily.

 

I would also add that many repayment arrangements are agreed at the time of initial enforcement and some HCE companies have a clause that any agreement will be reviewed in a year to see if the debtors personal circumstances have improved.

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Hi WD thanks for clearing that up much appreciated. May I ask tho, who do I send the SAR too? I will also send the Bailiff company name via PM as you suggested.

 

I have today put the car in the company name as I believe is is company property, it was paid for using company money at the end of the day. It also has the company Logo on the rear windows. I also use it for going to see customers etc. Also i dont actually believe there is a Levy on the car as there has never been any paperwork issued etc. Time will tell I suppose.

 

HCEO

 

My circumstances havent changed at all since we made the arrangement so why should they be able to demand more money now? I have another debt for 7k for a failed company I backed. Unfortunately i was took for 35k and it all went tits up. I pay this debt £50 p/m and its not a prob for the creditor. The van is also company property however when i sell it I will have to take the proceeds as a Dividend a pay them.

 

Thanks for all the help it really is appreciated.

Edited by Looneyfitter
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