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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BC Claim ***WON*** charges beyond 6 years + Compound Int't***


up2meears
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Well done !!

 

Don't be too gutted as you should get it all back !!

 

:wink:

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Hi Slick,

 

Thanks for popping in! I thought I would be able to get it back. (makes the pain of handing that much dosh over in one go a little more bearable :madgrin:)

 

I have been going through all my paperwork from BC and 1st credit, and as most of it is laughable - mainly 1st credit - part of me hopes BC put up a fight (although most of me hopes they'll pay up)

 

As mentioned earlier, will update at the next step.

 

Thanks again

Up2

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Hi again,

 

Just been looking at my credit file, can somebody please confirm that how 1st Crud have registered this is okay!

 

There's been no default (that I can find in my paperwork) on this account, but this surely wouldn't look favourable if I had a good credit rating and was trying to obtain something on credit - if you catch my drift.

 

Grateful for your thoughts

 

Thanks again

Up2

1st crud credit file.doc

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  • 2 weeks later...

Hi all,

 

Quick update, have received a Notice of Issue, for my BC claim. Do I do anything now (i.e prepare paperwork) in case BC defend? - Have noticed this is what they tend to do - or should I just sit tight and see what transpires?

 

Feeling all goose pimply - but in a good way :-)

 

Appreciate your advice

 

Up2

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Hiya,

 

BC will defend the claim.

 

Read up on preparing your AQ if you've not done one before.

 

Also read up on preparing your Court Bundle (evidence) in case you have to File and Serve this. Best to get all the material together and store it on your PC in one folder. Then, if you DO need it, it's ready to print and send.

 

If you are lucky, BC will negotiate with you, either after the AQ stage or when you get a Hearing Date.

 

BC *WON* threads will show it all.

 

:-)

We could do with some help from you

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Morning,

 

Thanks for your reply slick. I have received a copy of BCs Ack of Service. Defending all of the claim. No surprise there.

 

I have been quite ill for the past couple of days and hopefully it's only this reason that I am now filled with dread over this.

 

I have been reading around the success threads again, and will definitely be back for more advice.

 

Thanks

Up2

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Hope you're feeling better soon.

 

The feeling of DREAD comes from not knowing just how this will pan out for you.

 

But, from my experience of BC cases over the last few years, BC will be willing to negotiate and settle before the hearing date..........

 

........... and, if you're lucky, they'll settle before you have to File and Serve your Court Bundles, thereby saving a few trees of paper and a pond of ink.

 

In case you need to do the Bundles, you will need a full pack of paper and spare ink cartridges as each bundle may be 200 to 300 pages, depending on what you include. And this is why you need to have all the components of the Bundle stored, ready to use if necessary.

 

:-)

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Hi Slick,

 

I've tried having a look at how to prepare the basic court bundle but when I clicked on the link for the zip file it says invalid attachment. I have sent a message to the administrator, so will wait and see what comes back.

 

To this bundle, should I add things such as the letter I received in 2008 when I first asked them to repay these charges? And things like the notice of assignments? What about the harassing letters received over the years from 1st crud? would these help? I'm so confused.

Also Slick, I notice in Shelleys thread you advisde her to use the Sempra Metals case in regard to charges over 6 years. Is this still the case.

 

Have information overload and I'm really getting myself confused, plus I'm also not sure about not having a copy of my cca, despite asking BC several times for a copy over the past few years. Do you think this will cause problems?

 

Think I may need to take a step back from this today, and forget about it until tomorrow, when hopefully I'll be feeling a bit better and more empowered.

 

Thanks again

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I'll find you a copy of the Court Bundle that you can download and use. See my PM to you about this.

 

The Bundle should include copies of all letters between you and BC about the issue of charges.

 

Unless the letters from 1st Credit are relevant to charges, omit them.

 

It doesn't matter if they haven't supplied you with a copy of the credit agreement. But you should try and find a copy of the BC T&C's, as close as you can get to the date the a/c was opened.

 

Stop fretting - you'll be fine !!

 

:-)

We could do with some help from you

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Hello Ears,

I have tried to attach the T&C's to my original thread but it won't allow me to.

I have reported it to the site team, so hopefully it won't be long before they'll become available.

 

Try not to stress. It's highly possible you won't neede your bundle but like Slick says, it is best to be prepared.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi U2YE's,

 

Value of claim should be completed (my figures are examples) and should show:-

 

Total of default charges 756.00

Interest in restitution 1,683.58

Total claim £2,439.58

 

Plus interest pursuant to s.69 County Court Act 1984 from the date of issue to date of settlement at the simple rate of 24.9% = £1.66 per day.

 

If you're claiming Int't in Rest'n at 24.9%, the s.69 Stat'y Int can be claimed at that rate too.

 

You put the total claim as per your SOC in the box at the bottom right of the form and it'll show

 

Amount claimed 2,439.58

Court Fee £95.00

Solicitors Fee Nil

Total amount £2,529.58

 

Do not include court costs at item (4) on your POC.

 

Instead 18 (3) should read:-

 

(3) Interest under Section 69 of the County Courts Act 1984 at the rate of 24.9% per annum on the amount claimed giving a daily rate of £1.66 until judgement or sooner payment.

 

The layout is bad above but you can put the figures in neater columns on your claim.

 

:-)

 

Good luck u2m, I'm just putting final prep on my POC etc as well so will keep a close check on your thread to see how everything develops :-)

 

Slick, I am just trying to work out my claim s69 etc.

 

The way I understand sempra is that the claim in restitution would be the 8% stat plus the commercial rate (13.9% in my case) making it 21.9%.

 

For the actual charges and PPI it would be compounded in the claim

 

For s69 it would be 'simple' interest at 21.9% still. Is that correct?

 

My thread is here if you wouldn't mind having a look, andyorch has been helping and I am just waiting to get some clarification on the stat int.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?313209-LTSB-sar-and-found-PPI-was-selected-but-not-by-me!&p=3909370#post3909370

 

Thanks

 

AS

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Hi AS,

 

I'll comment on your LTSB thread .................

 

:-)

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Hi Guys,

 

Thanks for your replies. Sorry I have been so ill the past week, I have only been popping in and out randomly.

 

Slick, Thanks for your help with the court bundle. I look forward to receiving that.

 

Shelley, Thanks for getting back to me. Like you say, hopefully it wont get that far - but Sods law, if I don't try I'll need it all and be unprepared :!:

 

Always Struggling, Good luck with your claim. I'll be keeping an eye on your thread also.

 

Thanks again for all your help and advice - That really is all that's keeping afloat at the mo.

 

Up2

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Hi Up2,

 

I've now sent you the Court Bundle in 2 formats by email.

 

:-)

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Morning Slick,

 

I sent you an email yesterday to confirm all was received and accessible. Thanks again for that.

 

Finally starting to feel better so trying to get back on my game. It seems ages since I've been able to do anything constructive due to being ill so am going through all the paperwork I think I will need for the this, plus having a re-read of the success cases.

 

Thank you again for providing the information, I'm sure I'll be back for help before updates.

 

Up2

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  • 3 weeks later...

Evening Slick, guys,

 

An update and more problems, which is no surprise.

 

I received a letter from BC saying that as it is not cost effective to take the matter to trial, they are willing to pay the charges at 21.94% interest rate for the whole of my claim (1st charge dates back to 2002 :-)). They wanted to offset against the sold debt on my account which I was happy to let them do as I was going to clear it anyway, and do not want any shannanigins from 1st Credit.

 

They also wanted me to accept a confidentiality clause, which I wasn't prepared to accept, and once I told them why, they agreed to remove this clause.

 

However, I have not heard from them since emailing (as requested) the acceptance, and I'm not sure what to do next. This is probably normal, but I don't want to miss any deadlines if I have to continue to Court. Should I send another email asking what's happening? or ignore them now and continue with my claim?

 

When I received my notice of issue, it says deemed to be served 11th July, BC had until 25th July to respond. It says if they file an Ack of Service they will have 28 days to file a defence. Would those 28 days start from the 11th or 25th? I have received a copy of the Ack of Service from BC dated 11th July, but nothing more from the Court. Is that right?

 

I'm have virtually prepared my bundle for the next stage, and am willing to continue. I would be grateful of advice on my next move please.

 

Many thanks

Up2

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Hi Ears,

 

Re the court case, you need to do nothing more just now. It's up to Barclays if they decide to Acknowledge the claim and/or file a Defence.

 

Re the negotiations about settlement, does their offer to settle with 21.94% interest come close enough to what you wanted, for you to accept the offer.

 

Have they also agreed to refund all court fees that you've paid for to start your court action.

 

Send them an email saying:-

 

Dear sir or madam,

 

I refer to our negotiations about reaching a settlement of my court claim.

 

As requested, I responded to you by email on XXdate agreeing to a settlement figure of £xxx but, since then, I have heard nothing from you.

 

Accordingly, I will continue with my court claim until you respond as required.

 

I expect any offer made by you to be adjusted to reflect the additional compound interest which has accrued to date.

 

I look forward to your response by return.

 

Yours faithfully,

 

:wink:

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Hi U2me,

 

I had got a few questions but I see Slick has it covered.

 

Stay positive

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Morning,

 

Thanks guys for dropping in.

 

Slick, thanks for the suggested email, I will get that sent in a mo.

 

They have agreed to repay the Court costs, and the amount is not far off what I worked out so am willing to accept.

 

I will let you know how I get on.

 

Thanks again

Up2

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Morning Guys.

 

I'm having more problems with these jokers. I knew it wasn't going to be smooth riding, but I didn't expect this.

 

Quick catch up. - I sent the above email suggested by Slick and received a reply the same day, apologising for the delay, unexpected leave yatta yatta. I have heard nothing since, nor received my cheque.

 

Part of the agreement was for BC to show my credit report for this as satisfied. (1st credit haven't done anything with this since before 2008. Just shows four years of U's, no late payments, no defaults, the balance was even showing £10 more than I had paid. So for years they have left it in limbo I suppose) This morning I have checked my credit record and not only is the one from 1st crud still there, BC centre have gone and added a default from 2008 for the original amount. They have deducted the amount I agreed to let them offset, but have now got a balance for an extra hundred and odd quid that I have paid. :mad2:

 

What is wrong with these people?

 

What is the best thing I should do here please?

 

As always, your help is appreciated.

 

Up2

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Further email to the contact at Barclays saying:-

 

1. I await your payment in settlement of my claim. Unless this is received promptly, I will continue with my court action.

 

2. It was agreed that my credit records would show my BC account as satisfied. This has yet to be dealt with and requires your urgent attention. **

 

3. If these matters are not dealt with promptly, I will have no choice but to draw the court's attention to the delays caused by Barclays and seeks costs using a Wasted Costs Order.

 

**[state here very briefly what the CRA files show and why they are wrong]

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Morning All,

 

Well, after sending the above email on Tuesday, I got a reply saying that the cheque had been posted on Monday. The pigeon carrying it must have got caught up in all the wind and rain, because I finally received it this morning :whoo::whoo::whoo:

 

Barclaycard have removed the additional default added to credit file, but the one in limbo from 1st crud is still unchanged. I'm hoping that this will be updated in the next few days and I've told BC that I will inform the Court that the matter has been settled once I can see this change. Although, I will contact the CRA's if this hasn't been done by Tuesday.

 

So just to recap for everyone going through a Barclaycard charges claim. I requested all charges be paid back to 2002 (date of first charge) they ignored, I sent lba, they ignored some more, I issued claim they wrote saying they were defending. I started getting prepared for court, they wrote and said they would pay the charges, but would off-set, (I was happy to let them do this). Money received, job done. (I'm still waiting for the PPI, but that's in the hands of FoS now.)

 

Thank you all so much for your help and advice with this one, another donation will be made once funds have cleared.

 

Good luck to everyone going through this process, it may seem daunting at times, but it's worth persevering, especially with the great help received from this site

 

Site Team, could you please change the title of my thread to reflect my win of charges going back further than six years.

 

Thanks again,

 

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That is great news, you must be feeling over the moon?

This site has a wonderful support team and I am pleased to hear another successful result.

Shelley:-)

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi Shelley,

 

I am very happy with the result, thanks to this site, and your thread in particular.

 

I wouldn't have had the patience, energy or oomph, to do this without the wonderful support of this site. It's great to read others success stories, as it gives you the encouragement to plod on, but having a success of your own restores the faith and feels great.

 

On to MBNA now :lol:

 

Thanks for everything

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