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    • 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.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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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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I have other threads and have found very good advise here.

 

I have my main current account with Santander after they took over the business of the A&L.

The account dates back to the early to mid 90s and it came with a Flexiplan account attached to it.

 

A standing order goes out every month to the Flexiplan, when the account is in credit it's like a savings account but it also has a credit line of £750, which is totally independent of the overdraft.

 

Every month a small amount (just under £3) gets debited from my current account as 'Flexi Premiumcare'.

This debit has been there as far as I can remember, along with the £30 S/O to Flexiplan and is charged even when the Flexi account is in credit, which has been around 90% of the time.

 

Could this be PPI by any other name?

I think I must relate to the Flexi account and not the O/D as I've only had and O/D for the last 10-12 years, the Flexi was there since I opened the account.

 

Although the amount is small, it has been charged every month for around 17 years!

 

I've read in these forums that there's no time limit to reclaim PPI (if that's what it is).

 

Both my current account and Flexiplan are in credit and, thanks to MBNA taking over the A&L credit cards, I have no defaults with Santander.

Is there any way I could reclaim these 'Premiumcare' charges?

 

If I SARd Santander they'd probably send the usual 6 years statements which is not good as this goes back a lot further.

However, as far as I can remember, these amounts have been largely unchanged over the years (it may have been £2.75 and now £2.90/mth but that's about it!)

& the Flexi credit line has also remained unchanged.

 

How can I be sure it's PPI? if not, what is it?

Is there a way I can find out when I first got the Flexi,

I can't even remember what year I opened the account as it's been so long!

 

 

Also, is there a chance they could cancel my Flexiplan or even the O/D even though I'm in credit and paying in just because I start trying to claim old charges?

 

I also had a personal loan that I took out in 2006 with the A&L,

I rang Santander in August & they said the last payment would be the one in Sept this year so the loan is now paid off.

There was a single monthly payment going out to Santander Loans, otherwise I have no paperwork for the loan,

everything was done very quickly by a financial adviser in a branch in the City,

 

I think all I did was sign if at all! Is there any way to find out if any PPI was applied to this loan?

 

 

Thanks in advance!

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def PPI

 

go get it back!

 

as for the SAR

 

it might well work

 

no harm in trying for £10.

 

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

I have a similar charge wth ny HSBC account, a monthly premium each month charged to my current account. It is called account protection.

I asked HSBC for a copy of the terms and conditions and my agreement with them. They rang me within a couple of days to say they could not find it and when did I take it out with them. I am still waiting for them to find a copy of the agreement , but I have sent a SAR as well, so await their response. They referred me to their website which lists flexilaon protection under PPI ( no longer sold)

I believe that this has been running since I opened the account some 20+ years ago and that it is only charged when there is a balance on the flexiloan account. The amount does not vary and has not changed since I started this. So it sounds very similar to your payment.

I cant really believe that I have been paying this for 20 years without question.

I have a thread on here for this and will be attempting to claim back within the next few weeks . I will update that thread with any progress and will watch this one with interest.

Good luck

 

WFLOSS

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Its definately PPI.

 

Did you know that A&L were fined £7million by the fsa in october 2008 for blatant mis-selling of ppi?

 

WFLOSS.

account protection is an income protection plan paying you a percentage of your income if you fall ill etc and extends to self employed aswell.

 

Whether this was mis-sold depends on your circumstances

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  • 2 weeks later...

Was getting ready to SAR Santander but have a few questions as things get a bit complicated:

 

 

  1. I thought you had to send SAR for each account but been reading here that's not the case, a single SAR would cover ALL accounts, is that the case? (I have quite a few former A&L accts with Santander, i.e. current, savings, flexi, personal loan, etc.)
  2. I also had an A&L CREDIT CARD which, according to a letter I found, was sold to MBNA in 2002, however, it was branded and run by A&L till 2009 when I got letter from MBNA followed by a new branded card and an interest rate hike to 36%! I defaulted on this card nearly 2 years ago. I SARd and CCAd MBNA; their reply stated they could not locate the CCA and have been quiet for nearly a year. I've never had a Santander credit card and my record with them is squeaky clean :-) (loan fully paid up, accounts in credit) :-D. I was wondering whether a SAR to Santander would uncover any 'dirty secrets' related to the above card??? :confused:

Thanks in advance!

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send it and see!

 

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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