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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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Log Book Loans - Bailiff issue not my debt, but its my problem


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Hello,

 

I have been impressed by all the assistance and advice given on this forum so am hoping someone might be able to help me please.

 

Getting to the point, i bought a motorbike ten months ago from a private seller paying cash (credit card audit trail exists for withdrawl). How dodgy did it sound, "I have not got the log book as i am awaiting its return after change of address". Stolen i thought, steer well clear. But it was a great deal and i rang the DVLA to see if a full V5 could be issued with the slip he provided and they confirmed it was that keeper and no problem. I even got the guy to sign a declaration to state clearly what he had told me about the change of address and sign it.

 

We did the compulsory vehicle check and thought we had every base covered it was not stolen. Then last night a bailiff arrived at night to tell me he was going to take my bike as it was not mine i was only the keeper and it belonged to log book loans. On closer inspection my Gold package vehicle check didnt include financial checks despite stating that "we hold no adverse information for this registration at this time clearly accross the front of the report. (Mycarcheck.com) I thought it was a joke at first but the paperwork was produced and i was stunned this had happened to me. I have been issued with the BOS and am desperately trying to find any void areas to help my case but i am confused by the criteria i am looking for.

 

After a couple of hours a night sleep i am at my wits end, nobody out there on the consumer side thinks i have a hope in helll and shoud get a fair price agreed and pay over the additional money. I cannot afford to buy the bike back and will be £2K out of pocket it feels like someone is trying to walk into my house and fill their pockets with my stuff and i cannot do a thing about it.

 

Please can anyone offer me some advice, i have already removed the bike to another location and its not going anywhere, its mine. If i have to hand it over legally, they can have the frame and no more in a 2" square cube. The bailiff has not seen the bike to know its condition.

 

Damsel in distress :???:

 

Louisa

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I can help

 

the bill of sale needs to be linked to a credit agreement

 

can you get hold of this agreenet (copy) from log book loans

 

there has just been a recent high court case in which a judge has decided that log book loan bll of sales are invalid as the person who did the loan also signed the credit agreement and bill of sale as well

 

thats how log book loans do business

 

i take it you still have the bike (hidden)

 

its called assestation

 

can you post up a copy of the bill of sale with the personal bits removed

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Thank you.

 

there has just been a recent high court case in which a judge has decided that log book loan bll of sales are invalid as the person who did the loan also signed the credit agreement and bill of sale as well

 

thats how log book loans do business

:-o

 

The credit agreement i have but i have not made enough posts to be able to put a copy in my thread. Bare with me.

 

 

Yes i still have the bike at a safe house, i told the bailiff that i had put additional parts on the bike and i would have to remove them so he couldnt have it there and then.

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Sorry postggl. I have a letter of authority and the BOS as below, i will need to get a copy of the credit agreement as these are the only two documents they gave. Will it be detrimental to my case to contact them fot it?

 

CreditAgreementLBL.jpg

 

The BOS is displayed below:

 

Page1LBL.jpg

 

Page2LBL.jpg

 

Page3LBL.jpg

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You need to be a bit underhand

 

demand to see the credit agreement as you need to see authority that there is infact a credit agreement

 

then see who has signed it for log book loans

 

contact them and ask for a copy or for an agent to let you see iT

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postggj,

 

I have a problem, LBL will not let me have a copy of the credit agreement because they said "

Under the Data Protection Act we are unable to send you a copy of the Consumer Credit Agreement as you are an unauthorized third party on this account. If you have previously been given a copy of the Bill of Sale this is because this is a public document. "

Is there any way round this?

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Is the same name on the bill of sale as on the witness for the creditor on the credit agreement

 

it should be just after where the borrower has signed on the credit agreement

 

Sorry, i am not clear, please can you confirm, i need to contact trading standards and informing them of what? :???:

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Postggl,

 

I have sent out a letter but also rang trading standards yesterday.

 

I contacted trading standards they said I need to write to Logbook loans formally recorded delivery and request the credit agreement. She said someone would call me back in the next five days and advised I talk to the national debt helpline about the bailiffs.

I spoke to the national debt helpline they explained that they would have to take me to court in order to enforce removal of the vehicle. They said in this case I would required legal representation and have to be prepared to defend myself. They also stated that the debt collection agency should not persue me and should be told to go away if they turned up again. He said the other people who could help would be Trading Standards, OFT and Financial Ombundsman.

I spoke to the OFT who passed me over to consumer direct who stated the item was not his to sell and we should take him to court over the sale of goods act as he didn’t have title to the property. She suggested I spoke to the information commission about gaining copy of the credit agreement.

I rang the information commission and the lady confirmed that under data protection the credit agreement couldn’t be released unless we took them to court and the judge deemed that the data controller should provide it. They said there are some exceptions but also a court ruling would be required in order for this information to be requested.

I am not sure where to go next to move forward with this, i am locking myself in the house at the moment, when i am home alone as i dont feel safe if the debt collectors could turn up at any time.

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  • 2 weeks later...

Postggl,

 

Update - no response from LBL on issuing a copy of the credit agreement, do I have to just wait for them to take me to court and then refer to the recent judgement?

 

Trading standards - advise from them was that i have to hand the bike over and take the seller to court for fraud. Are they all completely loopy? I have to pay to go to court and ask a man with no money to pay his CCJ to pay me too.

 

Regards

 

Louisa

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  • 3 weeks later...
  • 5 weeks later...

Hi,

 

I have been reading this with interest. I have been stung too. I purchased a car in September last year privately for a very good price, did a HPI check at the time and nothing came up. I kept the car for a few months, but then decided to sell on for a smaller car - I sold the car to a friend of mine a few months ago who has since spent around £2k on it and a lot of time and effort getting it up to his standard.

 

This weekend he had a van and trailer pull up outside his house using threatening behaviour and demanding the car saying he was from 'log book loans' and that the car was theirs, unless my friend payed up the cash that was outstanding on the loan! which of course he has because his wife and him were terrified of what they would do and now has come onto me for the cash. I felt it only right that because he is my friend, that I have to now pay him back, which I am very angry about having to pay someone else's loan off!!!!

 

He has described the Bill of Sale etc as you have posted here. Any suggestions on what I can do? I'm distraught at what to do

 

Thank you

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Hi,

 

I have been reading this with interest. I have been stung too. I purchased a car in September last year privately for a very good price, did a HPI check at the time and nothing came up. I kept the car for a few months, but then decided to sell on for a smaller car - I sold the car to a friend of mine a few months ago who has since spent around £2k on it and a lot of time and effort getting it up to his standard.

 

This weekend he had a van and trailer pull up outside his house using threatening behaviour and demanding the car saying he was from 'log book loans' and that the car was theirs, unless my friend payed up the cash that was outstanding on the loan! which of course he has because his wife and him were terrified of what they would do and now has come onto me for the cash. I felt it only right that because he is my friend, that I have to now pay him back, which I am very angry about having to pay someone else's loan off!!!!

 

He has described the Bill of Sale etc as you have posted here. Any suggestions on what I can do? I'm distraught at what to do

 

Thank you

 

Sadly the respondant to my post stopped responding so i was on my own again on this one. I have sent a letter to LBL stating the situation with the inaccuracies in their paperwork and am awaiting a response. We had a second visit from a bailiff last week but they didnt knock, just poked some paper through the door.

 

It is a weaker position to be in when the cash has already been handed over. Everyone tells you to go for the seller for fraudulently selling the vehicle in the first place and this is still a last resort. You need to look at the 13th of July ruling against the OFT.

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  • 4 weeks later...

I do not have any dealing with log book loans myself, my experience in borrowing is limited by cash loans online, but I have dealt with them on behalf of third parties. My advice would be to hide the car, state that you call the police and bring harassment charges, trespass and possible criminal damage. In one day I recieved over 4 calls and I was shouting at them not to pester my parents who did not have an account them. Another example of their behaviour would be to attend at my parents', late at night around 9pm with four men. This was frightening for my parents' in light of their age, and their rural enviroment.

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