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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • 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”  
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Ind?court letter / welcome car finance debt


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Hi all 1st post so hope its in right place,

 

just recieved court proceddings re ind

who until today i have never heard of,

 

phoned their solicitior and he said to just fill in court forms and send them back

WHAT DO I DO NEXT?

 

CHEERS

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Hi Stoddy, and Welcome to CAG

 

Yes fill them in but don't send them back to them, or you can do it on line MCOL and you need to decide admit, part admit, or defend.

 

Regards

 

Andy

We could do with some help from you.

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Thanks Andy

i admit to part of it but the figures they are quoting are way of,this dates back to 2008 and iv had no correspondance from them up until today when the court papers appeared cheers steve

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what is the original debt all about?

 

tell us the story

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

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They make a Claim at any time Stoddy as long as it is within 6 years without acknowledgement or payment from yourself.Why do you think its illegal ?

 

Take a read here it will outline some options :-

http://www.consumeractiongroup.co.uk/forum/showthread.php?350460-N1-Claim-Form-received-for-old-Welcome-Finance-debt(1-Viewing)-nbsp

 

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

 

probably littered with PENALTY fees for everything

and various insurances you didn't need to have.

 

SAR to welcome PDQ me thinks

 

 

look at everything you reclaim/counrer-claim on.

 

what happened to the car ?

when / if did you last pay anything?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx pls excuse my ignorance but im new to site have looked at SAR

and is it not to late for this now its in the hands of the court,

 

money was lent direct to me so car has come and gone

 

last payment will have been towards end of 2008,

 

jst puzzling me how a company iv never had any contact with not even a letter can just turn up

and take me to court without even intro ducing themselves.

 

cheers stoddy

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What are the Particulars of Claim stoddy?

 

If you can type out verbatim (less any identifiable data) see what we have.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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claimant welcome financial services

the claimant claims for sums due under a credit agreement

related only to money regulated by the consumer credit act 1974,

 

the agreement was terminated upon defendent failure to comply with teams of agreement

 

,the claimnet complied with section iii and iv and annexb of the pd pre-action conduct,

 

then is quotes figures and interest rates last payment 10/1/08.

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Ok fairly vague P.o.C as usual.

 

Read the thread I have linked and then you will see what you need to do to be able to gather information

and then be able to make a decision on which way to deal with this.

 

Your only chance of avoiding a CCJ is to defend all

anything else will attain a CCJ.

 

If that's not a problem then you can part admit but also make a counter claim,

if there was PPI /unfair charges levied to the account.

 

Have a read around the welcome threads and see what others in your position have done.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 2 weeks later...

Hi andy i have today sent my part admittance via mcol,so do i now write to ind solicitor and ask for a cpr31.14 as iv never had any corrispondance from ind until the court papers arrived.sorry to be a pain iv read loads about ind on other threads just dont want to make the wrong move cheers stoddy

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So you are part admitting part defending? Yes send the CPR 31.14 to their Sols named on the summons.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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You do realise that a part admittance guarantees a CCJ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

 

Cheers andy

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  • 4 weeks later...

update sent cpr31.14 and have not had responce,

 

got home today to receive a letter from court(northhamton) saying

 

case delt with on 26th june from lack of my responce (my fault been working away and didnt realise my 28 days was up).

 

also recieved a letter from ind saying

heggerty were no longer their solicitor and they shall be acting in person

but thats has nottingham court on it.

 

stuck as to what do next or do i just have to set up a payment plan and put it down to experiance?

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If you can give details of the judgment (Default) Stoddy.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Andy

 

it says

 

as you have not replied

you are ordered to pay £5,042,83+£165 costs

name and address for payment heggerty llp

 

also received letter from ind saying

heggery nolonger their solicitor and they are now dealing with it themselves,

 

judgement is dated 26th

letter from ind dated 28th

both recieved on monday 2nd,today

 

i have received a letter from nottingham court with an attachments to earnings form as iv not paid.

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get that SAR off .

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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