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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.

      Frankly I don't think that is any accident.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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Cap1 & CCA return


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HI

It says it is a credit agreement so that is what it is.

It may not be correct in form or content but it is a credit agreement.

Whether or not it is enforceable or is even within the scope of the cca 1974 is the issue and to be honest i cannot see enough of the text to comment except to say that contrary to earlier postings they do not have to give a credit limit just a note to say a credit limit wil be assigned and from what i can see everythng seems there.

 

As a matter of form yes the orriginal does have to conform to scedule 1 of SI1558/1553 but the best you can hope for if you quote that particular point is that the agreement can only be enforced by an order of the court.

Another point is that this if this (this is really for others who have copy docs returned) is a copy and contrary to popular opinion the copy does not have to conform to the orriginal in matters of form as long as the content and terms are there.

 

Best regards

Peter

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Original agreement or not, that could be enforced due to it being signed and it containing all prescribed terms.

 

Agree.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Agree.

 

Me too....

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Agree.

 

Hi all, could I just make a point regarding Angry Cat's agreement. I have studied it closely and compared it to one I have already got in my possession from another MBNA victim, it is identical. The thing is, MBNA and their evil DCA took said victim to court for a charging order. This agreement was presented to the Judge who dismissed it as inadmissable. Victim was awarded costs and compensation for wasted day. MBNA/DCA were ordered to provide :

 

A true copy of the executed agreement.

A copy of the deed of assignment.

Something else that for the life of me I can't remember.

 

They have 30 days.

 

Now, given that this was all MBNA could come up with in six months, I doubt very much that they are able to produce anything else. The 30 days isn't up yet but I suspect it is game, set and match to the victim.

 

I do realise that a lot hangs on what Judge you get and whether he/she is in a good mood that morning, but the fact is that one Judge ruled this document to be useless.

 

I do hope this is the case for AC!

 

Regards.

 

Corn x:)

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Document: piece of paper providing an official record of something.

 

If a document contains the prescribed terms in the prescribed manner.

 

I think it would be hard to convince a judge that an application form was not a document.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Document: piece of paper providing an official record of something.

 

If a document contains the prescribed terms in the prescribed manner.

 

I think it would be hard to convince a judge that an application form was not a document.

 

Paul

 

Hi Paul, I am not disagreeing with the above, I was just pointing out that I am in possession of an identical one and it was deemed inadmissable by this particular Judge. To be honest, I think it was the look of it that put him off and frankly, given MBNA's love of the methods of Blue Peter, this is hardly surprising. Torn off and photocopied bits of paper don't really cut the mustard when you are asking for sight of "the true executed agreement". Bear in mind that MBNA were unable to produce the actual document in Court.

 

Regards,

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Hi Paul, I am not disagreeing with the above, I was just pointing out that I am in possession of an identical one and it was deemed inadmissable by this particular Judge. To be honest, I think it was the look of it that put him off and frankly, given MBNA's love of the methods of Blue Peter, this is hardly surprising. Torn off and photocopied bits of paper don't really cut the mustard when you are asking for sight of "the true executed agreement". Bear in mind that MBNA were unable to produce the actual document in Court.

 

Regards,

 

Corn x:)

 

The other thing I would add to my quote above is that, whatever the circumstances, they are not allowed to use reconstructive conjecture and I suggest that this is the case with AC's agreement as it was with the one I mentioned earlier. The fact remains that they have torn off/cut off the bits that they need and stuck it in the photocopier. They would also have to produce the original in Court, so why not send a copy of that instead of avoiding the bit that says "application form", I have seen this before. They can't just cut and shuffle to suit and expect it to comply. Bear in mind I have a letter from MBNA regarding a wholly conjectured credit card mailer that says "the deletions we made served merely to CONVERT a credit card mailer into a copy of a credit agreement", I would suggest this is unlawful as they are doctoring documents for their own benefit. Also, as in my case, they can't just make something up and add T&C's that were applicable 7 years later and tell me it is a true copy!

 

Again, I reiterate, it will come down to the Judge on the day but it also comes down to the responsibility of the lender to provide the true copy to the Judge and if they can do that on the day, then why not do it on the back of a CCA request? Concealment is not allowed!

 

On a lighter note, this thread is the quietest I have EVER seen it tonight!!!! I think we must all be bored with arguing!

 

Good night and God bless all!

 

Regards,

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Hi a thought for all I got my first credit card from crap1 ( yes I know a BIG mistake) but I got this because I was so p****d off at getting mail shots for credit cards I replied to 3 in same week got accepted by 2 and never heard from no 3. The thing being I only accepted the crap1 one card because they sent the card with a covering letter to ring and get card activated while the other sent a full agreement to sign and return for the card to be sent to me. Just rang crap1 to activate the card I don't think I ever got an agreement to sign from crap1 just the application form.

 

My thought is this how can crap1 say application is agreement as I could have refused the card when it was sent to me as I did with the other supplier I NEVER signed an agreement bearing in mind that crap1 application did not contain APR, minimum payment info, credit limit etc.

 

Just as an after thought I am in the happy position in that the balance on the card is a lot less than my charges claim will be, I just want to cause these B******S as much #$%&*&%$ as they gave me.

 

dpick:p

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I have a question about my credit card agreeement. I have offered to pay NatWest reduced monthly payments but because they are below Natwest's required 2.25% they are refering it to a DCA. My question is, on thier letter they say 'that because of the above blah blah we will send your account to a DCA. Additionaly we may exercise our right of set off over any of your funds held elsewhere with us'

 

I have asked Natwest and they cannot clarify what they mean, i have the horrible feeling i know excatly what it means. They intened on taking the money out of my bank account (also held with them), which is in the overdraft every month anyway. I do not have any savings accounts. Am i right? Can they do this? The card and my current account are two seperate agreements.

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i feel that they think they can do this. in fact it happens all the time!

they can even raid savings accounts to pay off debts without asking you

 

I dont know if its legal or not.....but they do it anyway

 

open another account pronto!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

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I think that would cause the bank some problems if your account is O/D because that would put that account more overdrawn more added interest and lead to heavier charges which you could then claim back with interest dont think they'll chance that ....I could be wrong stranger things have happened .......I know that from personal experience.

 

sparkie1723

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got this of the Halifax today

 

 

As Advised in my last letter, as you have used the facilities of the account which have amounted to the outstanding balance under the new terms of the Consumer Credit Act section 15 we do not hold any abligation to issue you with a copy of said agreement as the legal timescales for such documents to be held is within the last 6 years, in this case our records are held from 3rd May 2001 until the present day.

 

 

Since when does the 2006 Act apply to accounts opened before this

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am i reading this right Schedule 3 — Transitional Provision and Savings of the 2006 act right

11 The repeal by this Act of—

(a) the words “(subject to subsections (3) and (4))” in subsection (1) of

section 127 of the 1974 Act,

(b) subsections (3) to (5) of that section, and

© the words “or 127(3)” in subsection (3) of section 185 of that Act,

has no effect in relation to improperly-executed agreements made before the commencement of section 15 of this Act.

 

am i right in thinking that what they where saying is wrong

 

As Advised in my last letter, as you have used the facilities of the account which have amounted to the outstanding balance under the new terms of the Consumer Credit Act section 15 we do not hold any abligation to issue you with a copy of said agreement as the legal timescales for such documents to be held is within the last 6 years, in this case our records are held from 3rd May 2001 until the present day.

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am i reading this right Schedule 3 — Transitional Provision and Savings of the 2006 act right

 

11 The repeal by this Act of—

(a) the words “(subject to subsections (3) and (4))” in subsection (1) of

section 127 of the 1974 Act,

(b) subsections (3) to (5) of that section, and

© the words “or 127(3)” in subsection (3) of section 185 of that Act,

has no effect in relation to improperly-executed agreements made before the commencement of section 15 of this Act.

 

am i right in thinking that what they where saying is wrong

 

 

 

Pford

 

You are quite correct - they are wrong.

 

Write back and ask them where exactly in the 2006 Act does it specifically relate to agreements prior to its implementation date. Then tell them that they have run out of time and have committed an offence and are in default under the Act. spell it out what they cannot do.

 

Z

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great news .......wheeee heee :)

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Waheeeey just received a cheque for my sec 85 claim. Post details later.

 

Paul

 

Hey Paul! That's fantastic, I am away for the weekend so will be very excited to read your news!! In fact, I am coming your way this evening so maybe we should go out on the lash!!!:D:D:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Guest Battleaxe

Don't it make you feel good, when a cunning plan comes together and we were right all the time. Tam and Term your homework paid off.

 

Paul well done, did you have to file the N1 or did they cough up without twisting their arm up their back

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Don't it make you feel good, when a cunning plan comes together and we were right all the time. Tam and Term your homework paid off.

 

Paul well done, did you have to file the N1 or did they cough up without twisting their arm up their back

 

Hi

 

That is excellent news Paul, and I am genuinely pleased for you.

 

Unfortunately though, unless this was paid as the result of a court judgement, it doesn't prove that the creditor did not comply with s85, or that non-compliance means that monies paid must be refunded. I assume that the creditor decided not to contest this in court, in the same way that the banks are not contesting our claims that their charges are unlawful penalties. Just because they are paying out on our charges claims does not mean that the issue has been proven in law.

 

A different creditor may choose to contest an s85 claim and allow it to go to court. Even then, a county court judgement does not set precedent, so one victory does not a landslide make!:|

 

Anyway, I'm sure you don't give a monkey's either way and I hope you thoroughly enjoy spending it! :D

 

Regards, Pam

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Waheeeey just received a cheque for my sec 85 claim. Post details later.

 

Paul

 

congratulations mate - I look forward to the details later! :D :D

 

Remember though - it's not over until the fat cheque clears!! ;)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hi

 

That is excellent news Paul, and I am genuinely pleased for you.

 

Unfortunately though, unless this was paid as the result of a court judgement, it doesn't prove that the creditor did not comply with s85, or that non-compliance means that monies paid must be refunded. I assume that the creditor decided not to contest this in court, in the same way that the banks are not contesting our claims that their charges are unlawful penalties. Just because they are paying out on our charges claims does not mean that the issue has been proven in law.

 

A different creditor may choose to contest an s85 claim and allow it to go to court. Even then, a county court judgement does not set precedent, so one victory does not a landslide make!:|

 

Anyway, I'm sure you don't give a monkey's either way and I hope you thoroughly enjoy spending it! :D

 

Regards, Pam

 

Totally agree i think it was Zootscoot who had a refund regarding a mortgage fee, and others who have subsequently challenged this fee have lost in court.

 

My payout is not a great deal and will be used for a lawyers fee.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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