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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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      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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N1 Claim Form received for old Welcome Finance debt


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Ah also the CPR 31.14 states:

 

"I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim."

 

Which isn't true at the present time, do I need to remove or amend this or leave it as is?

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Ok will head to the library tomorrow to get these printed and sent.

 

Couple of quick questions. The CPR 31.14 mentions covering their [solicitors] costs for the information request, do I need to stick a postal order in the same as with the Section 77 request? No

 

And secondly does the Section 77 go off to the Solicitors the same as the CPR 31.14?

Yes

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Ah also the CPR 31.14 states:

 

"I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim."

 

Which isn't true at the present time, do I need to remove or amend this or leave it as is?

 

Change - Its my intention to contest all of your claim on my completion of Acknowledgement.

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Thanks as always for your quick replies Andy, I believe that is the CPR 31.14 ready to go tomorrow.

 

With the Section 77 going to the solicitors do I put the "Account/Reference Number" as my Claim No. or is there another reference number relating to the welcome loan I should be digging out?

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No mention of claim numbers or litigation just your account number. I assume this is going to IND so you need to head your request " I do not acknowledge any debt with your Company " until they prove otherwise.

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Thanks for clearing that up.

 

In posted reply #27 above I was asking if the Section 77 went to the Solicitors (Hegarty) or IND and you replied yes to Solicitors, so was unsure what to use as the reference.

 

Yes

 

 

Adjustments made to the Section 77.

 

Sorry for being so needy with the questions. With luck it will all pay off.

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Actually Fars considering this is IND send both to their Sols sorry oops

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Ok Andy, understood.

 

Been reading the threads havinastella posted regarding IND, even to my limited understanding they seem like a bunch of cowboys.

 

With the Section 77 going to the sols do I still include "I do not acknowledge any debt with your company"? and do I revert to the Claim No?

 

Sorry for all the babysitting questions, this seems to be more confusing than necessary with never really knowing who I am dealing with :(

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Thats the problem you face when these guys issue a claim no need for the " I do not ack " if going to the Sols. Dont refer to the claim its a legal request.

 

Andy

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Section 77/78 requests are to be sent to the creditor and not to the solicitor. Solicitors are NOT creditors under s 189 of the Consumer Credit Act 1974 if representing a client:

 

“creditor ” means the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement, includes the prospective creditor;

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*

Section 77/78 requests are to be sent to the creditor and not to the solicitor. Solicitors are NOT creditors under s 189 of the Consumer Credit Act 1974 if representing a client:

 

“creditor ” means the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement, includes the prospective creditor;

 

* Providing the Claimant is not IND or it will be ignored as have all the other 30 IND cases working on.Litigation has commenced Fars so its the duty of the acting Sol to pass it on and be aware of the request

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It is at the discretion of the solicitor to pass it on. Note the word discretion. The solicitor is not duty bound to track whether it gets a reply as it was sent to the wrong place. If a defence was made about this non-compliance, it can be shown that it was sent to the wrong place thus there is more wiggle room for the claimant.

 

You cannot circumvent the law just because the claimant is allegedly going to ignore the request and has allegedly done so in the previous 30 cases. That is not a tactic. It is better to send it to the claimant because there is no denying that they did not receive it, especially with registered delivery/special delivery. That is where the s 77 and s 78 requests are supposed to be sent.

 

By sending it to the solicitor, there is no time limit as they are not the claimants so there is no breach even if they did not comply. Please re-address the logic as it does not stand legally.

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Ok Fars Change it back to IND there was reasoning as to my logic but hmmh is technically correct and I understand his reasoning.

 

Thank you hmmh

 

Regards

 

Andy

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  • 2 weeks later...

Well sadly I've heard nothing back from IND or their pretend legal representation. Nothing back at all re: the Section 77 or 31.14.

 

Could use some advice on what to do now please?

 

Regards,

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We could do with some help from you.

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Thanks for that Andy, was an interesting read. I can only hope for a similar result :)

 

I could do with a little help filling out my defence on MCOL, any advice on how to proceed please?

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Defences are unique and not templated and should be based on your own personal pleadings subject to your dispute.Dont worry that's it not legalised wording, just state why you don't agree with the claim.

 

Regards

 

Andy

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Ok sounds good.

 

I'm presuming that having sent off a section 77 and 31.14 and having heard nothing for 2 weeks that I'm going with an embarrassed defence?

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No such thing as an embarrassed defence its either an holding defence or a fully particularised defence.

 

Andy

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Thanks Andy,

 

Am still feeling a little lost though.

 

In my particular case where I've sent off the cpr 31.14 and section 77 and having no response what kind of defence do I use?

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I would suggest a short holding defence in the absence of anything being disclosed.You must realise though that that is not a reason to defend a claim.You either owe the money or not or the matter is subject to a dispute.Any holding defence must be updated later to a fully particularised defence and this will have a bearing on any costs awarded.

 

Regards

 

Andy

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andyorch, may I suggest that you purchase the White Book off ebay and look up the section on "Holding Defences" and why they are a non-starter. It is under CPR r. 15.5.

 

I would copy the paragraph here however that would have copyright implications. To summarise:

 

Defendant cannot get more time by filing a holding defence.

Holding defence does not comply with CPR r. 16.

Such a defence is liable for a strike out application under CPR r. 3.4.

 

A defence based on what is currently known is the best way forward, not a holding defence, even if that is scant.

 

A line about not being able to enforce due to breach of s 77 is a start. Was a default notice received to the best of your memory? Did you sign an agreement to the best of your recollection?

 

A defence is not solely based on what you get from the claimants but is also reliant on your own experience and the paper work you have in your possession.

 

I will step out of this thread now as I only wanted to intervene on a matter of importance before it becomes mainstream.

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Thank you both for your input. With a holding defence based on requested information not received, if the claimant isn't going to provide any paperwork then how does it ever proceed?

 

Sadly I am still feeling unsure how I should proceed. The advice I was given earlier in this thread was to send off the information requests and then base my actions on the outcome. The outcome is now here, no information received.

 

I believe they've made the claim against me without the required paperwork, credit agreement etc. The debt dates back to 2005, i've never been notified of the debt being sold from welcome to ind.

 

I was sent a letter on the 24/04/2012 which arrived on 26/04/2012 titled last letter before legal proceedings, which I assume is the default notice, strangely it says I defaulted on the loan on 02/12/11, no idea what that date relates to.

 

They issued the claim on 14/05/2012 which is 18 days after the last letter, no idea if that has any baring on this.

 

The really frustrating thing for me is I've been eligible for a debt relief order for 6 years, but never had the money or ability to go through with it, i'm still eligible now but sadly CCJ's can't be included I think.

 

I could really use some concrete direction on what to do next, how to proceed.

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