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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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    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      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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Beales Vs lloyds TSB **WON**


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The interest and court costs are both excluded from the total when calculating which track your claim should be allocated to - so you're fine with the small claims court.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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hi reload, i forgot to send in p.o.c and my claim amount has changed.

Do you think that it is advicable to send a copy of all my bank statements too, to sc&m and the local court?

 

Many thanks Phil.B

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Erm... I'm a bit confused when you say you forgot to send in your P.O.C...?

 

It may be advisable to include a copy of your statements with the charges you're claiming for underlined/highlighted, both to the solicitors and the courts, along with your N244 amendment.

 

Just reading back through the thread though... I notice you've not posted your particulars of claim anywhere, or your amended version for that matter. Is there any chance you can do post your amended version here, just so I can give it a quick once over just to make sure you aren't amending an invalid/too vague version with a similar one?

 

The particulars of claim is a section on the N1 claim form - the first form you file with the courts/equivalent with Moneyclaim online. If you filed online, it should be a block of text as listed in the bank templates library.

 

I don't believe there is a template letter for an amendment apology. However, a brief note along the lines of:

 

Dear Sir/Madam,

 

Claim No xx/xxxxxxx

 

Herewith I enclose an amendment to my claim, on the court's N244 claim form as intended for this purpose. Please accept my apologies for the error, and I trust this amendment is in order.

 

Yours faithfully,

 

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Phoned court today, and they say that they are still processing Septembers Claims.There will be nothing for me until the next two weeks.

They must be very busy down there.

I will sit tight and wait for my court date to drop through the door.

 

Phil.B

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That's the way it goes unfortunately Phil. Stick with it, there's light at the end of the tunnel and it's not an oncoming train for a change :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Yes Thanks Reload for all your help so far.

I have lloyds Aq now- got a couple of days ago and am about to send my letter of ack to s c & m.

Is there anything that you recommend that i could do next.

I have spoke to the court and obv they are extremerly busy.

They are still processing sept claims.

Am told i should have a court date/moreinfo by the end of this week.

 

what could i do next?

 

could i write to sc & m asking for them to settle before it goes to court?

Demenstrating my ability to comunicate.

 

Many thanks Phil.B

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That's the way it goes unfortunately Phil. Stick with it, there's light at the end of the tunnel and it's not an oncoming train for a change :)

hi reload,just received a letter from my local county court giving me a date for the amendment of my hearing. Is this normal?

 

It says that it is a general form of judgement or order.

 

before DISTRICT JUDGE HAIGH Sitting At county court,the law courts,Bolton,Lancs.

 

Without hearing

 

IT IS ORDERED THAT

 

The claimants application to amend the claim be listed for hearing on Monday 20th November 2006 @ 10.30am,to be heard at Bolton County court,with an estimated time of 15 minutes.

 

can you help at all with this or are you aware of a thread that i can read?

 

many thanks Phil.B

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Firstly, try sending SC&M this and also send a copy to the court.

 

Dear Sir/Madam,

 

Thank you for providing me with a copy of your completed N149 Allocation Questionnaire, which I received on xx/xx/xx.

Referring to the Allocation Questionnaire, I must admit to being somewhat surprised by your response to Section A (Settlement). You have ticked ‘yes’, thereby requesting a one-month postponement in proceedings in order that a settlement may be reached by way of negotiation.

 

Please note that throughout the process of this claim, neither yourselves nor your client have ever given any indication whatsoever that you wish to settle this matter without the need for litigation. In fact, in my previous attempts at dialogue with your client has been met with outright refusals to negotiate this matter, and on xx/xx/xx, I received a letter from Lloyds TSB’s service recovery centre which explicitly stated that the bank had issued its ‘final response’ and therefore would not enter into any further correspondence. It is for this reason that I felt I had no alternative but to seek redress by way of Court action.

 

Having said the above, I do believe that litigation should always be a last resort and would of course be happy to settle this matter without the need for a court hearing. Please be advised though, that I am completely confidant in the strength of my claim and believe that your client’s charges could indeed be proved to be unlawful penalties, which you are trying to cloak as contractual service charges. For this reason, I will only settle for the amount of the claim, namely £xxxx.

 

In light of your indication of your intention to negotiate, I will await your communication informing me of how you wish to proceed. A copy of this letter will also be sent to the court.

 

Yours Sincerely

 

As for the amendment, you have made an application to amend your claim and the judge has decided that you will have a hearing to do so. Presumably you have already set out the amendments you wish to make on your N244 form so its just a case of re-iterateing that. I had an application hearing last week to lift a stay and its nothing at all to worry about. Make sure you call the judge sir and remember your manners and it'll be a piece of cake! You may wish to write a script or some prompts of what you wish to say, ie setting out the reasons for your application. Also, remember that small claims are not heard in a 'court' as you would imagion it, its more like an office. Its designed to be accesible to your average bloke (or woman!) in the street and is fairly informal.

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Firstly, try sending SC&M this and also send a copy to the court.

 

 

 

As for the amendment, you have made an application to amend your claim and the judge has decided that you will have a hearing to do so. Presumably you have already set out the amendments you wish to make on your N244 form so its just a case of re-iterateing that. I had an application hearing last week to lift a stay and its nothing at all to worry about. Make sure you call the judge sir and remember your manners and it'll be a piece of cake! You may wish to write a script or some prompts of what you wish to say, ie setting out the reasons for your application. Also, remember that small claims are not heard in a 'court' as you would imagion it, its more like an office. Its designed to be accesible to your average bloke (or woman!) in the street and is fairly informal.

Ok cheers Gary. I have sent letter to s c & m and copied one to my local court.

Does the def have to be present at my hearing for my amendment. if not are they away that i am in court for it? should i let them know?

 

many thanks

 

Phil.B

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The court will have let them know. Yes, they are supposed to be there, but its highly likely they will send a letter saying they have no objections to your amendment and apologising for their non-attendance. The reason given will be "to attempt keep the costs of this matter to a minimum"

Please remember to DONATE! Help CAG keep up the fight!

 

 

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WOW! going to be tougher than i first thought this cliaming money back lark. I am going to try to claim £2984.50 in unpaid D/D, unpaid cheques and overdraft excess fees. I've highlighted ALL the O/DRAFT INTEREST charges amounting to £283.65 which i now belive i can't claim back. (unless its interest on my charges) does anyone suggest that i don't bother trying to work out what i can and what i can't claim and just go for the actually charges? Please help sum1! Also do i add up both accounts and just claim once?

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Hi Russ,

 

Firstly, please start a thread of your own, so you can create a timeline where people can track your progress. You should find you'll get more help that way, too.

 

In answer to your question though, no, O/D interest is not all reclaimable - only the proportion that was levied on top of unlawful charges. You would have to work out the claimable part from the legitamate part, which is quite complicated, so yes, your probably better off leaving it out completely.

 

Yes, its fine to add both accounts together, so long as they are both bank accounts. If it were a credit card you would need to keep it seperate.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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The court will have let them know. Yes, they are supposed to be there, but its highly likely they will send a letter saying they have no objections to your amendment and apologising for their non-attendance. The reason given will be "to attempt keep the costs of this matter to a minimum"

Hi gary and thanks again for your help.

Do you think that i would benefit from trying to make contact with sc & m by phone? I want to show the court that have tried to make comunication to settle. I will use Mr Thomas as my contact as i am sure that you have heard his name quoted a few times lol.

I will catch up with your thread shortly and see where your at!

 

Many thanks Gary for your time...Phil.B

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Yes, its definately worth a try. Ring them and say you are following up on your letter - ask if they have received it, and ask if they intend to attempt to come to a settlement since they indicated that was their intention on their A/Q. When ringing them, or when making any important phone call for that matter, write down a few prompts or headings to remind you of the main points of what you want to say. It is also a good idea to keep a record of what is said.

 

Let us know how you get on.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Yes, its definately worth a try. Ring them and say you are following up on your letter - ask if they have received it, and ask if they intend to attempt to come to a settlement since they indicated that was their intention on their A/Q. When ringing them, or when making any important phone call for that matter, write down a few prompts or headings to remind you of the main points of what you want to say. It is also a good idea to keep a record of what is said.

 

Let us know how you get on.

Phoned sc&m, asked to speak to Mr thomas.

Usual stuff - he is not available.

they use the normal comment about the central mailing unit.

I said that i would call back in 2 days time to speak to him again.

Gary are you our anyone else aware of a fax number to which i could use to comunicate.This could be used to avoid lenghthy delays.

 

many thanks Phil.B

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Yep, their fax is 01273 745356

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Have faxed sc&m today! Made fax FAO Mr Thomas.

I will be ringing him after lunch today to try to speak to him.

Faxed a copy of letter that i posted recorded del on 27th Oct outlining the fact that i wish to settle....blah blah blah.lol.

 

Phil.B

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Good luck trying to get hold of him. He's quite elusive that Mr Thomas!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Phoned sc&m again today,asked to speak to Mr thomas.

Usual stuff - he is not available/engaged and very busy with all these claims...lol. asked if they have recieved my letter dated 27th Oct.

Mr Gary Allen said he could help and Pulled out "my file".

Yes we have received your letter dated 27th Oct (I also faxed a copy of this on 01/11/06 to make sure they got it, even though i sent letter recorded post)Asked him does Sc&m intend to attempt to come to a settlement,since they indicated that was there intention on their clients AQ. Answer we have asked for 28 days but not sure if court are aware. What the hell does that mean? Not sure if court are aware?.I will be ringing court today to progress this.

 

Phil.B

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Hi all, just received the final sorry no payment will be made letter from Llyods/TSB letter (totally expected) It also said if you are still not happy you are welcome to complain to financial ombudsman service and this is their final response!. So I am just about to post court action threat letter straight back to them (which I already had prepared). Has anyone else had this response?

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