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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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Where do I stand on this one? Egg loan sold to dca who cant provide cca


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So how do you find out what sort of an assignment it is?

 

Molly :-)

 

I wouldn't bother at this stage. I'd just send them the Prove It letter, or if you really want the CCA request and see what comes back. If they don't respond to a CCA request within 12+2 working days (be careful working this out with Christmas and New Year coming) after that time you can send them a letter placing the account into dispute. After this you do not have to pay a penny until such time as they produce the CCA. They'll try and tell you otherwise, but the law is on your side.

 

I'd do this - see what their response is, if any then post back and take it from there.

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Thanks Tingy, we'll leave it till after New Year and decide on a course of action.

 

Sorry Minesapint, didn't mean to hijack thread, just felt that the more info is pooled together the more ammunition we'll have to fight Apex/Egg.:razz:

 

Regards

 

Molly:-)

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Thanks Tingy, we'll leave it till after New Year and decide on a course of action.

 

Sorry Minesapint, didn't mean to hijack thread, just felt that the more info is pooled together the more ammunition we'll have to fight Apex/Egg.:razz:

 

Regards

 

Molly:-)

 

Hi Molly,

 

Not a problem, great to have some company :)

 

Latest letter from Apex is that account has been passed for pre litigation review (whatever that is) as they are now aware that I am a homeowner.

 

Other than a cca request Ive not contacted Apex & have maintained payments to Egg, as I have serious concerns over the Egg letter supplied by Apex with no account number.

 

Apex claim I am in default with my 'arrangement' - how wrong they are ! Account sold mid September but didnt receive Apex 'welcome' letter until mid November so September & Octobers payment went to Egg as per arrangement, Apex wants a Direct Debit set up or monthly on line payment, I will only use a Standing Order which they have not suppied details of, so Novembers payment was also paid direct to Egg.

 

Apex statement is balance up to August, my account is bang up to date so Apex can 'P' in the wind. They also state that they will honour the arrangement made with Egg BUT I MUST telephone their 'trained' negotiators - hell will freeze over first :)

 

As you said why have they referred to Egg as their 'client' if they own it outright?

 

MaP

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Hope everyone had a good Xmas :wink:

 

 

This is strange, sent cca request to Apex (as they claim all rights & benefits as per their 'welcome' letter), however, letter from EGG stating that I did not include the statutory £1 fee & before they can supply a copy of the agreement I need to send a £1 postal order (good job I photocopied the PO before sending it).

 

Guess its now formally in dispute?

 

Hope everyone has a good time tonight & best wishes for the New Year.

 

MaP

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  • 4 weeks later...

Update

 

Apex has failed to respond to my cca request but continue to send begging letters. Starting to get a little shirty in their tone.

 

Stated I havent paid them since September, incorrect as until they prove they own the debt payments have been paid direct to Egg & will continue paying Egg.

 

SAR Egg and got all info on the account, difference in account numbers explained as the number quoted in letters & CRA data processing is my customer number and not agreement number.

 

Also, trawling through the paperwork they sent (stacks of pages) there is no mention of the account being sold on.

 

MaP

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Hi map

 

They often threaten me to 'sell on' but just outsource harassment; changing ref numbers is all just part of this bamboozlement.

 

I maintain my stance of paying/offering the OC what I can afford; interestingly I had 2 DCAs contact me last week with with 1 letter and 1 'phone call each and both have disappeared when I asked them if they wanted me to add their names to my fos complaint against OC for refusing to accept an offer that I can afford.

 

x

 

v

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MaP, don't know why this didn't flag up in my usercp before now? Sorry for not replying sooner.

 

OK you sent them a CCA request and they have foolishly, but quite predictably, said you failed to enclose the correct payment.

As you have proof that you did indeed, have you sent them the failed letter from the library, disputing the account as they failed to produce the agreement within the time period?

If not do so.

 

Report their puerile empty threats to the OFT&TS via Consumer direct.

 

File and log their missives, keep a diary of events also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks everyone,

 

TBH the cca request slipped under my radar until their latest 'you have not paid us since September YOU MUST ring us immediately to resolve this matter' letter arrived.

 

Said I havent paid them since SEPT but they didnt inform me til November - can see fun & games ahead, aint worried as I'm still paying EGG & up to date with my arrangement with them.

 

12+2 days expired nearly three weeks ago :-o

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Now you have me confused? Not difficult!

 

So you are paying EGG direct,?

 

But Apex are also chasing you for the same account?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Now you have me confused? Not difficult!

 

So you are paying EGG direct,?

 

But Apex are also chasing you for the same account?

 

Sorry Bazooka Boo, I probably didnt explain it clearly.

 

Had a payment arrangement with Egg which I have stuck to without missing or being late with any payment.

 

Last November received a letter from Apex claiming that they had bought the debt also enclosed was a strange letter from Egg (?) no account number stating that Apex now own the debt - no payment details enclosed so I continued to pay Egg as per arrangement.

 

Apex started threat-o-grams stating they havent received any payments Sept, Oct., Nov. & Dec. Only just received details on how to pay by Standing Order.

 

CCA to Apex end of December & had no response.

 

SAR to Egg for all details (seperate complaint over ppi on credit card), sent loads of paperwork, statements & comms log - nothing in relation to loan being sold to Apex so continuing to pay Egg & ignore Apex til they prove they own it.

 

Hope this explains.

 

MaP

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SAR to Egg for all details (seperate complaint over ppi on credit card), sent loads of paperwork, statements & comms log - nothing in relation to loan being sold to Apex so continuing to pay Egg & ignore Apex til they prove they own it.

 

That's interesting MaP. I'm sure that I read somewhere else that Apex were actually acting on behalf of Egg, as opposed to having "bought" the debt, as alleged, albeit I appreciate that there are diiferent types of assignment.

 

Apex now "have" my Egg loan and credit card account. In respect of the latter, they have failed to supply me with any paperwork, proving the debt, but have passed it on to threat monkeys Ruthbridge. Luckily, I'm a member of CAG and so have not been as intimidated by their promise of bankruptcy as I might otherwise have been! :lol:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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I wouldn't be overly concerned MaP, your paying EGG, keep a history of payments, ignore Apex and report them to the OFT&TS and your local MP.

Let them rot, just ignore the fools.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Had two Egg loans sold off to Apex last year, made a cca request to them - they responded well outside the 12 + 2 days but then only sent two copies of the same agreement to cover both loans (each have different account numbers).

 

Problem I now have is that I checked my credit file this morning & both Egg & Apex have got DN's for these accounts & are both still processing data - two loan accounts BUT FOUR Defaults registered :mad2:

 

Surely they arent allowed to do this?

 

MaP

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No they can't do this only, the legal owners of the debt can maintain or register defaults, I would write to the CRA's informing them of the problem and also contact Egg, as it seems they have sold the debt to a DCA and as such should remove the data.

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No, they are not, Apex should have 'taken over' the existing Default from Egg and kept the original Default Date and just changed the 'owner' if indeed they bought the debt, if they are only collecting on behalf of Egg, then they should have not put anything on your CRA files.

 

Write to the CRA and request them to immediately remove the second entries on each account.

 

If you need help with what they have send with regard to your CA request, then let us know, otherwise 'account in dispute' letter x 2.

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Thanks for the speedy response.

 

The Defaults all have the same start dates for both Egg & Apex.

 

Have received NoA's (and 'fake' Egg letter) from Apex, although the cca requests were sent to Apex, what I had in reply was from Egg - strange !

 

I take it that as Apex 'own them' then it is down to Egg to remove theirs and stop processing the data, and Apex's should show the original DN date (2008).

 

Still paying Egg direct & not received any further begging letters from Apex (and they dont have my phone number) 8)

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  • 3 months later...

NOt sure what to do regarding this.

 

Have an Egg loan which was sold to a dca, because I asked for proof that they legally owned the debt, not just a copy of an 'questionable' Egg letter (which they haven't done so) I continued sending payments each month direct to Egg.

 

I have sent the dca a request for the cca and the 12+2 days have well and truely expired, however, I have STILL continued with my arrangement and paid Egg the agreed amount each money.

 

The dca started throwing their rattle out of the pram & started getting stroppy with their threats, so a formal complaint was lodged together with account in dispute letter - three months on & I'm still waiting for the agreement.

 

They state (in their original letter) that they will honour any agreed repayment plan in place with Egg, although they now deny this and state no arrangement will be made until I telephone them - which I have told them from the outset that telephone contact - either way - will not be made.

 

Have now received their final response in which they state ' We will continue to request this documentation from the original creditor and will forward this onto you at the earliest opportunity. Unfortunately you are incorrect when you advise that this means the account is in dispute. This very matter was clarified by Judge Wakesman in the High Court on 24th December 2009'.

 

They were advised that although I am entitled to with hold any further payments until they comply with my request, I shall continue to make payments to Egg, their response to this was that if I make payments direct to Egg & Egg dont forward these to the dca then I am still liable for the payments and is totally my responsibility & will not stop enforcement action being taken.

 

Their initial statements shows payments being passed from Egg to them and the debt reducing, there is now a difference between what has been paid and what they say I owe, all payments have been made by standing order.

 

I have asked for a fully breakdown of the account which they have failed to provide.

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This is from the OFT guidance on debt collection practices (OFT664). It states that the creditor is ultimately responsible for the behaviour of their debt collectors.

I would deal directly with Egg and complain about the conduct of the company they have employed on their behalf.

Also if you have a read of this guidance it gives guidelines on what they should do when asked for account information that you may find useful. It’s available from the OFT website.

Creditor responsibility for third parties

1.9 If consumer credit licence holders choose to do business or continue to do business with third parties engaged in questionable fitness behaviour, then their own fitness will be called into question. Our aim is to ensure that creditors do notignore the unfair practices of debt collectors, whether in-house or external, acting on their behalf. It is not for the OFT to specify in this guidance how choices aboutthird party selection are made nor to advise on desired conduct between third

parties. However, during any investigation in this respect, we would expect to see that care had been taken in the selection process, complaints had been investigated and that firm action had been taken as appropriate. It would be unlikely that we would take action against a creditor who could demonstrate such action had been taken

Rosy

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THE account should be put on hold until the request is met, the point is that enforcement action (Court Claims)

cannot be taken they may continue to ASK for payment!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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the a/c has been sold

so oft 664 is irrelevent.

 

no cca = no pay - simples!

 

all they can do is trash your CRA.

 

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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Would the DCA be Lowells or Cabot by any chance?

 

Thanks peeps,

 

Alf the dca is the clowns at Apex

 

They keep using the remarks of 'spurious' & 'erroneous' with reference to my complaints.

 

I've checked through my spreadsheet as to what payments have been made & when - checking this against what they say I owe shows that ALL payments have been passed to them from Egg. They also state that when they bought the debt any payment arrangement is null & void and that I HAVE to telephone them to negotiate a new arrangement.

 

Since the 12+2 days have expired I've received several

threatening letters ranging from sending someone around, precourt 'team' to we are aware that you are a homeowner.

 

Even though they admit they cant provide the agreement they have only given me 21 days in which to phone them.

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If the account has been sold then why is the OP still paying Egg?

Has there been a notice of assignment. I notice the OP says the debt was bought, does this mean that the debt was assigned or the agreement.

I think before we start branding anyone’s advice as irrelevant we should know the facts.

Yes the failure to provide a copy under one of the requirements of the cca does not remove the creditor’s right to demand payment nor does it constitute a dispute, unless accompanied by a positive accusation of incorrect execution of contract

Rosy

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