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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Everybody,

 

I have got myself into a right state with Payday loans and have been trying to protect myself from default notices however I am now just sick of paying the interest and would rather have my money than a clean credit file.

 

Anyway, I now simply cannot afford to repay the loans however I earn reasonably good money and can pay them all off within 2 months.

 

Can you please let me know what you think about my response to 'Speed Credit' who are deamanding immediate payment and threatening to add a further £150 to my loan of £400 + further interest and charges, threatening to CCJ me and threatening warrant of bailiffs.

 

Hello,

 

Please do not ignore this correspondence.

 

I am including the 'Office of Fair trading' and the UK ' Financial Ombudsman' with all correspondence in relation to this account in order to uphold my rights and be protected by the UK laws.

 

Please note that I am not ignoring you and our relationship has not broken down however you have acted as an irresponsible lender on the following grounds and have not adhered to practices according to the' Consumer Credit Act 1974'

 

1. I am now in serious financial difficulties as a result of short term pay day loans

2. I currently have 8 payday loan creditors totalling a sum of over £4000.00

3. At the time that the Speed Credit loan was issued by you I had over £3,600 worth of payday loans and would not have been able to repay the full amount

4. No checks were made to understand if I could afford to repay the loan.

 

I do not agree to pay your extortionate charges and demand that all interest and charges are fully suspended. If you are not willing to suspend interest and charges then you will need to explain to me and to the 'Office of fair trading' how these fees are justified. If charges and interest continue to be added then I will have no choice but to make official complaints to the financial ombudsman and the office of fair trading

 

I do agree to the following:

 

1. I will repay the initial loan of £400 on Friday 29th June 2012

2. I will repay interest as originally agreed for 1 Month ONLY

3. This will total a repayment of £592 to reach you on or before 29th June 2012 (APR of 16 534% APR)

4. This will end all contracts between us and will not affect any credit file as you have originally lent this amount irresponsibly

5. If this is not acceptable then please respond to myself, the Office of fair trading and the financial ombudsman

6. If charges and interest continue to be added then I will have no choice but to petition your company in court.

 

I look forward to your response.

 

Regards

 

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If they threaten you at all, get everything to the OFT/FOS/Trading standards . ALso, 99% of their charges, if not 100% are not legally enforceable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I have just received this response!!!

 

Dear ****

 

Thank you for your message passed to us from Speed Credit.

 

According to our records you took out a 14 – 28 day SHORT TERM loan on 02.05.12 for £400.

 

You currently owe £703.

 

You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you took out your loan.

 

Please note that as you borrowed £400, you are being charged £96 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to.

 

YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974.

 

Please remember that your original loan was for 14- 28 days ONLY.

 

Here is a COMPLETE breakdown of your account to-date with ALL the dates and the amount of ALL charges:

 

02.05.12 Issue LOAN £400.00 –

 

03.05.12 Charge Interest-1 £96 –

 

03.05.12 Charge Cash Transmission Fee £5

 

17.05.12 Charge Interest-2 £96 –

 

31.05.12 Charge Interest-3 £96 –

 

31.05.12 Charge Missed Payment Fee 1 (day 29) £10 ✓

 

On 13.06.12 you will incur the following charges:

 

£350 recovery fee

 

1 interest charge of £96

 

which will make your outstanding balance £1149.

 

You must pay either

 

1) £703 by 13.06.12,

 

OR

 

2) £1149 by 27.06.12.

 

Failure to make either payment will result in your file being passed to a third party bailiff company who will commence proceedings against you in your local county court.

 

If you have any questions please don\'t hesitate to call us on 0843 381 0843.

 

Yours sincerely,

 

COLLECTIONS (129)

 

NORTHERN DEBT RECOVERY

 

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

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I have just received this response!!!

 

Dear ****

 

Thank you for your message passed to us from Speed Credit.

 

According to our records you took out a 14 – 28 day SHORT TERM loan on 02.05.12 for £400.

 

You currently owe £703. No you don't.

 

You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you took out your loan.

 

Please note that as you borrowed £400, you are being charged £96 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to. Doesnt matter what the ToC's state. The law overrules them.

 

YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974. See previous response

 

Please remember that your original loan was for 14- 28 days ONLY. Doesn't matter. I fyou have trouble repaying it, then they are obliged under OFT guidance regulation to come to take your circumstances into account and come to an agreement for repayment.

 

Here is a COMPLETE breakdown of your account to-date with ALL the dates and the amount of ALL charges:

 

02.05.12 Issue LOAN £400.00 –

 

03.05.12 Charge Interest-1 £96 –

 

03.05.12 Charge Cash Transmission Fee £5

 

17.05.12 Charge Interest-2 £96 – Non enforceable

 

31.05.12 Charge Interest-3 £96 – Non enforceable

 

31.05.12 Charge Missed Payment Fee 1 (day 29) £10 ✓

 

On 13.06.12 you will incur the following charges:

 

£350 recovery fee Non enforceable and 100% unfair charge

 

1 interest charge of £96 Non enforceable and unfair charge

 

which will make your outstanding balance £1149.

 

You must pay either

 

1) £703 by 13.06.12,

 

OR

 

2) £1149 by 27.06.12.

 

Failure to make either payment will result in your file being passed to a third party bailiff company who will commence proceedings against you in your local county court. They cannot force you to do this as stated in the OFT guidance and it could have repercussions on their credit license.

 

If you have any questions please don\'t hesitate to call us on 0843 381 0843.

 

Yours sincerely,

 

COLLECTIONS (129)

 

NORTHERN DEBT RECOVERY

 

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

 

 

I also notice it is NDR DCA. If they do not have ownership of this debt, tell them the above and that from now on you will be ignoring every piece of communication from them and will be dealing with the Original Creditor.

 

Remember, NO DCA has any legal rights unless they have purchased the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Everything on that list is unenforceable, the original contract and loan amount is the amount you owe at the end of the day.

 

My only comment about your original letter to them was it is too wordy - keep everything short and do not threaten them unless they have threatened you.

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The bailiff company cannot itself start court proceedings, that is a load of tosh, they cannot use their bailiff powers in collecting a common commercial debt, that threat alone is enough to send that email to the OFT.

 

The unholy trinity of Toothfairy (aka Speedcredit)/NDR/Marshall Hoares Bailffs is well known to the OFT and Toothfairy have been sanctioned by them before. Make sure you get your complaint in pronto.

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Yes. Make sure to issue a Formal complaint with the OFT as well. Include any and all threats, as well as any cases of misrepresentation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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