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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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consolidated barclays debts from 1999, been paying £50PCM , missed 2, now CSL/P2P calling


sdizzy
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Hi SD,

 

I've had a quick look through the data in post #23 above.

 

I can't spot any penalty charges penalty charges.

 

There are 2 possible PPI amounts - 1,247.63 on 7/5/98 and 4,253.94 on 14/10/99.

 

Does this make any sense to you ?

 

If this was a Barclayloan with fixed repayments, I wonder whether they did, in fact, make any penalty charges. Were you aware of penalties being added at the time ?

 

Could you go into a local branch and ask them to identify penalty charges and PPI amounts from the printouts.

 

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That's probably your best option but insist on getting proper answers and don't let them fob you off.

 

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Quick update:

 

Went to local Barclays branch and made online complaint to be sent to their PPI team.

 

They should respond within 5 days with a claim form.

 

Only issue could be with this form, which has been recently revised to 8 sides instead of 2, according to bank manager, but he did say it was mostly repetitive in style.

 

Also, it's been incredibly quiet on the dca front.

I think they realise that I now know what they know about the account.

 

+ Also, I reckon I have paid ppi to rbs and birmingham midshires in the past.

 

Shoul I sar them as well ?

 

I still have all the original confirmation of account paperwork

 

.tx in advance

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Quick update: Went to local Barclays branch and made online complaint to be sent to their PPI team. They should respond within 5 days with a claim form. Only issue could be with this form, which has been recently revised to 8 sides instead of 2, according to bank manager, but he did say it was mostly repetitive in style. Also, it's been incredibly quiet on the dca front. I think they realise that I now know what they know about the account.+ Also, I reckon I have paid ppi to rbs and birmingham midshires in the past. Shoul I sar them as well ? I still have all the original confirmation of account paperwork.tx in advance

 

you dont need 'their' form

 

use the regulators industry wide recognised FOS CQ:

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

but do an SOC [spreadsheet too]

 

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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SoC = Schedule of Charges which, in your case, will be a PPI spreadsheet.

 

Did the branch staff give you any info to help you make sense of the data supplied.

 

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Did you get a copy of the complaint e-form, so you can see what figures the Manager added for you.

 

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No.

 

I watched the screen as he filled the e-form out and saw him put the correct amounts in and then submit the form.

 

I got a print out a standard apology template and he wrote the 2 policy amounts on the print out, including the dates they were taken out.

 

I will go down tomorrow and request a proper print out of the eform.

 

One other thing, as it is 2 amounts I am claiming for using the industry standard ppi claim form,

do I need to submit 2 forms, or put both policy/account numbers on same form ?

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As they are for the same account, you can reclaim them on one form.

 

:wink:

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OK,

received 2 industry standard ppi claim forms in post yesterday, one for each account.

 

I will cross refer them as the first loan was consolidated into the second loan.

 

I have until 9/10 to return them,

with a decision to be made no later than 14/11.

 

Slick, you mentioned sending a PPI spreadsheet.

 

I take it this is just a list of dates and amount of ppi plus interest charged per date.

 

Can you be more specific, please ?

 

would sending this info indicate to them that I have sar data ?

 

would it make any difference to the claim ?

 

would it strengthen it in my favour ?

 

tx in advance

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you need to read no.1. link below

 

and do the calc then fill out the spreadsheet [sOC]

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

....

 

as they were refinanbed

 

read the RED notes tab on the SOC.

 

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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yes ofc ourse

 

just attach it to a msg

 

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 SD,

 

The advantage of doing your own PPI spready is you have a clear idea of what to expect from the bank. If they offer you significantly less than you expect, you can challenge them.

 

Also, if you send the bank a schedule of what you are reclaiming, they will know they're dealing with someone who knows something about what they are doing.

 

:-)

We could do with some help from you

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ok, i've checked out the link to ppi interest rate charges at link 1 and

 

i've checked my sar loan data and come up with

 

@ 7/5/98 -1247.63 ppi on loan of 5900 totaling 7147.63 => 17%

@14/10/99 - 4253.94 ppi on consolidated loan including above loan coming to 15000 totaling 19253.94 => 22%

can you please confirm this from my sar data posted earlier ?

I thought the refund was only set at simple 8% interest anyway ?

Edited by sdizzy
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somethings not right here SD....

 

to work out PPI PCM:

 

total cost of PPI / total cost of loan * 100 = xx% [i make that 21.2% on the first loan not 17%]

 

work out xx% of your monthly PCM , that = PPI PCM.

 

fill in the statint SOC for every payment you ACTUALLY MADE

 

then do the same for the settlement figure , that carries over into loan 2.

 

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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using you figures here:

 

@ 7/5/98 -1247.63 ppi on loan of 5900 totaling 7147.63

 

but ofcourse i've just realised i used 5900 not 7147

so you are correct ...sorry.

 

brain ache!

 

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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no problem..

.but they are still only compensating ppi + 8% anyway,

 

so my calculations using the spreadsheet are for both ppi amounts + 8% from 7/5/98 to 28/10/02,

this 4 year period being the period that interest was charged on.

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PPI +8% is correct.

 

as long as the PPI PCM is calculated [thats includes the loan int]

and entered for every month you actually paid it

and then on the second loan the 'carry over'

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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