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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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    • 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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One Sure + Cobra Debt Recovery Service?


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Had the misfortune to deal with One Sure in November last year,

taking out a motor insurance policy, which I had to cancel after less than a month, due to an unforeseen change of personal circumstances.

 

I contacted One Sure when I realised I had to cancel, and they advised I would have to confirm in writing and send the policy documents back.

This was done the next day, as well as cancelling the direct debit arrangement related to the policy.

 

I did expect to pay some sort of additional fee for cancelling early,

but was surprised that it took threats of legal action before One Sure ceased to take direct debit payments from my account,

some 2 months after I had cancelled.

 

As of today One Sure are threatening court action in regard to a sum of £600, even though I was insured for less than a month, and the cost of a years insurance was only £624!

 

Interestingly enough One Sure is employing the services of "Cobra Debt Recovery" in relation to this matter,

who according to the OFT are not licensed to carry out this type of work.

 

Cobra appear to be based in the same offices as One Sure,

but do not appear on the OFT database as a trading style of One Sure,

so are not covered by the One Sure OFT license.

This has been passed to Staffordshire TTS for a possible investigation into illegal trading.

 

A member of staff at One Sure suggested something that seemed likely to be untrue

in relation to the business practices of the underwriter providing the cover in this case

(that they required neither proof of NCB or photo copy of driving licence),

and astonishingly when I phoned the underwriter to confirm the fact I had been lied to,

the lady there told me they got numerous complaints about One Sure

and advised me to make a formal complaint using the Financial Ombudsman Service,

which I did.

 

I wonder has anyone else using this forum also experienced problems with One Sure?

 

This has been a bit of a nightmare,

not least as its almost impossible to get through to One Sure on the phone,

and they ignore letters and email communications.

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TBH i think they are just trying to fleece you.

 

as long as your CRA file is clear pers i'd just ignore the threat-o-grams.

 

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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Have you had any letters from Cobra ?

I seem to remember that these collect for other Insurance companies.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The worrying thing here is that direct debits continued even though the policy had been formally cancelled, and I had cancelled direct debit personally by visiting my bank.

 

In reality the only way to be 100% sure your account cant be accessed, is to close it and open another with different details............and I am not sure thats something that is generally known?

 

There is also the fact that the cover provided by One Sure in the event of an accident was not likely to be valid in any case, as the underwriters had not been provided with the required documentation.

 

Yes I do have a letter from Cobra, it only has a Staffs PO box No, but the phone hold message is exactly the same as One Sure, so I would guess they are based in the same offices?

 

Does anyone have an idea of whether or not a debt collector trading without a license is regarded as serious, or is it something they will find it easy to wriggle out of, if this is indeed the case?

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Cobra will just be the in-house debt/accounts team at the Insurers. One Sure are probably a company that operates a number of different branded Insurances. Their licence will be in the name of the parent company.

 

What you need to do is enter into a written complaint with One Sure and send a copy to Cobra. Once your written complaint is received, they should put collection on hold. If you cancelled the policy directly with One Sure and returned the documents, they should only have charged you a time on risk, plus a cancellation admin fee of up to £50. This applies to personal Insurance only. If the cancellation relates to a business type policy e.g Motor Trade or Van Insurance, different cancellation terms apply (read the policy)

We could do with some help from you.

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Yes it is very serious indeed in fact its a criminal offence.

If you had given your bank an instruction to cancel the direct debit and they failed to act,then you should make a formal complaint.

You are correct to say that the policy did not even offer cover,so in effect was useless.

The OFT are currently mid way through an investigation into Motor Insurance,and although its main focus is on the repairs side and third parties,I seem to recal reading that they will also be addressing these cancellation charges,and penalties which they demand when they have seemingly pre empted things themselves.There is no shortage of complaints about this on here.

 

There are a couple of options open to you,you could counterclaim against them if they do issue a claim,if the case is strong enough then you could file against them for breach of contract.

 

The debt collection side needs some further investigation.

It may be that they are trading under another name.It is a requirement for legal documents to have their registered office address visible on communications,that is under the companies act.

 

Can you give the exact title as appears on the letter with the full address ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Cobra according to the OFT doesnt have a licence, and is not registered as a "trading style" related to One Sure, so would appear to be operating illegally. This issue is currently being investigated by Staffordshire TSS, who I would imagine may well have received other complaints about the One Sure/Cobra operation?

 

It seems to be largely unknown that even though a bank can cancel a direct debit mandate, that there is nothing to stop the arrangement being reactivated by the payee if they so wish. I was told that this was the case by someone at my bank, and must say I found it surprising! Seems to be the case though as 2x payments were taken after I had cancelled the DD.

Edited by gloomygoblin
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Cobra will just be the in-house debt/accounts team at the Insurers. One Sure are probably a company that operates a number of different branded Insurances. Their licence will be in the name of the parent company.

 

What you need to do is enter into a written complaint with One Sure and send a copy to Cobra. Once your written complaint is received, they should put collection on hold. If you cancelled the policy directly with One Sure and returned the documents, they should only have charged you a time on risk, plus a cancellation admin fee of up to £50. This applies to personal Insurance only. If the cancellation relates to a business type policy e.g Motor Trade or Van Insurance, different cancellation terms apply (read the policy)

 

 

Interesting point of view! Do you perhaps ascribe to the idea that its a good plan for people like the police to investigate themselves?

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Interesting point of view! Do you perhaps ascribe to the idea that its a good plan for people like the police to investigate themselves?

 

Silly comment. Has the sun got to your head ! As such , I will not be answering any of your posts in the future.

We could do with some help from you.

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It is pointless making any allegations without evidence.

Unclebulgaria gave good advice and a starting point to begin dealing constructively and put you back in the driving seat.

Dismissing that advice before following it up is of course up to you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry I thought the OFT advising that a dodgy debt collection agency was trading without a licence, and then referring the matter to Staffordshire TSS, kind of suggests it would be a bit of a waste of time my complaining to either the DCA or the insurance company? (both of whom suggest the OFT are wrong about the licence!).

 

My point here was that if One-Sure/Cobra are involved with anything illegal, then they are unlikely to admit it, and any "investigation" into complaints about such practices, would be dealt with in a manner similar to that employed by the police in quickly dismissing complaints about their conduct.

 

DCA's have no power in law whatever, and rely mainly on threats and intimidation to obtain payment, and it seems strange that members of a consumer forum, should spring to the defence of a DCA which according to the OFT is trading illegally?

 

Maybe it would be a better idea to await the findings of the TSS on this matter, and if it is confirmed that crimes have been committed than place details of all those involved on the CAG database, which may help others avoid dealing with One Sure in future?

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Just for information. One Sure Insurance per their FSA registration, cannot hold client money. They are Insurance brokers. So they will provide quotes, arrange cover etc but when it comes to the accounts side, they don't do this. If you had done your research before making lots of noise, you may have saved yourself some time, which could have been used to make your complaint more effective. I have no association with this company and probably would not use them ( I research companies, before thinking about using them).

 

http://www.ccrmagazine.com/index.php?option=com_content&task=view&id=2909

 

So it seems that an outsourced company will hold the appropriate registration with the OFT. Cobra appear to be related to this outsourced company, with post related to debt collection, sent via the One Sure address.

 

Just make the complaint as previously advised. Chris Lear is registered as their Managing Director. Send a letter to him by recorded delivery, saying that you have not been dealt with properly, even though you have made a complaint to the FOS. ( In one of your posts you mention complaining to the FOS, so should not be receiving any debt collection letters)

We could do with some help from you.

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It is pointless making any allegations without evidence.

Unclebulgaria gave good advice and a starting point to begin dealing constructively and put you back in the driving seat.

Dismissing that advice before following it up is of course up to you.

 

This was good advice, stop trying to be a smarty, it will get you no-where,. The people are on here to help where they can so just listen and then follow the advice if you agree with them. If you do not, it is up to you.

Edited by Old Cogger
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Just for information. One Sure Insurance per their FSA registration, cannot hold client money. They are Insurance brokers. So they will provide quotes, arrange cover etc but when it comes to the accounts side, they don't do this. If you had done your research before making lots of noise, you may have saved yourself some time, which could have been used to make your complaint more effective. I have no association with this company and probably would not use them ( I research companies, before thinking about using them).

 

 

 

So it seems that an outsourced company will hold the appropriate registration with the OFT. Cobra appear to be related to this outsourced company, with post related to debt collection, sent via the One Sure address.

 

Just make the complaint as previously advised. Chris Lear is registered as their Managing Director. Send a letter to him by recorded delivery, saying that you have not been dealt with properly, even though you have made a complaint to the FOS. ( In one of your posts you mention complaining to the FOS, so should not be receiving any debt collection letters)

 

I have written to Lear about 4 times now, as well as sending him emails. No response from him at at all, so I contacted the OFT who advised that Cobra, which appears to be linked directly to Lear's insurance business, is seemingly trading without a license (which supposedly is illegal!).

 

One Sure do have an OFT license, but should the TSS investigation into Cobra suggest illegal trading, then I would imagine this is something that would be taken into account when that license is due for renewal?

 

Not sure whether its generally known or not, but any company which is the subject of a complaint to the FOS, has to pay a fee if they choose to deny what has been suggested, so in this case it seems strange that Lear is unable to respond..........

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This was good advice, stop trying to be a smarty, it will get you no-where,. The people are on here to help where they can so just listen and then follow the advice if you gree with them. If you do not, it is up to you.

 

The "evidence" here is that my bank advise 2 direct debit payments were taken from my account in regard to insurance cover, which was cancelled some 2 months previously, at the same time the direct debit arrangement was also cancelled by me. I have also been contacted by a DCA who the OFT advise is unlicensed, and is trading illegally.

 

It seems to me that those involved with One Sure certainly appear to be less than honest, and cannot see any point whatever in adding to the numerous amount of letters I have sent them, as these are either ignored entirely, or elicit responses which support the notion that One Sure are less than honest.

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Not sure whether its generally known or not, but any company which is the subject of a complaint to the FOS, has to pay a fee if they choose to deny what has been suggested

 

Fees are payable when a complaint is raised against a company regulated by the OFT but this is not applied in all cases,a firm may be required to pay a proportion,all,or in some cases no fee at all since the first 3 are free.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/QG1.pdf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Not sure whether its generally known or not, but any company which is the subject of a complaint to the FOS, has to pay a fee if they choose to deny what has been suggested

 

Fees are payable when a complaint is raised against a company regulated by the OFT but this is not applied in all cases,a firm may be required to pay a proportion,all,or in some cases no fee at all since the first 3 are free.

 

 

 

The fact that numerous complaints have been received in the past concerning One Sure, seems to suggest they are very likely going to need to pay the full fee!

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If you have made a complaint to the FOS and they are dealing with it, then chase up the FOS, if they have not responded.

 

It may be the case that your letters to the MD of One Sure have contained certain allegations and they don't feel a response it warranted, if the FOS are already involved.

We could do with some help from you.

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I wonder why exactly I should want to waste my time writing the the MD of an insurance company, if the FOS were already involved?

 

The issues here initially related only to concerns I have with the way One Sure continued to remove money from my account after insurance cover with them had been cancelled (as had the direct debit arrangement).

 

As One Sure felt it appropriate to ignore these concerns, and employ the services of an unlicensed DCA to intimidate me into paying more money I dont owe, formal complaints have now been made to the relevant bodies, and the DCA is being investigated by TSS.

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I wonder why exactly I should want to waste my time writing the the MD of an insurance company, if the FOS were already involved?

 

 

In your first post, you didn't mention about having written to the company 4 times without response and how long the FOS had been looking at your complaint.

 

Just let Trading Standards and the FOS deal with it. If your complaint is upheld in your favour, you may also wish to send the details to the FSA, so they can take into account, if they wish to investigate this company.

 

What type of Motor Insurance ? Private car Insurance or commercial vehicle ?

We could do with some help from you.

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I have written to One Sure altogether 10 times, and recorded delivery letters to Lear personally 4 (all of which have been ignored by him!)

 

As well as letters I have spent altogether 57.5 minutes on the phone to them, and have recorded all the conversations (including members of staff misleading me!).

 

The FSA is being dissolved in the near future and it would seem in their closing months of operation, they are addressing complaints a little more seriously than in the past, so I shall be writing to them making a formal complaint about One Sure and its apparent links to what according to the OFT is an illegal DCA operation.

Edited by honeybee13
Removing contentious word.
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  • 1 month later...

This matter has now been resolved. Full refund of all the monies paid to One-Sure, with the addition of an extra £50 as a gesture of good will. The debt collection operation has now applied for a licence, and I doubt very much if they had been operating lawfully, that I would have got anything at all.

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