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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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Capital Bank Loan 1997 - Statutory Demand by Connaught / 1st Credit


lisaclaim
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Hello

 

Will try and summarise..

. if I miss anything please let me know but would be so very grateful of any advice on what to do now.

 

Capital Bank Joint Personal Loan £5,481.20 outstanding taken out in 1997

It got transferred to Wescot Credit years ago and we had no communication with Capital Bank Direct at all.

It went to Legal & Trade Collections before Wescot and also a solicitors

but we adamantly paid the minimum and had been paying £40 a month to Wescot for a long time but not paid anything since beginning of 2009.

 

April 2009: received a letter with 'Your Annual Personal Loan Statement Agreement No: xxxxxxxxxxx for the period 01/10/2008 to 23/02/2009.

It shows a statement opening balance as at 1/10/2008 and then 3 payments october, november and december 2008 with a statement closing balance.

 

Had never received a statement before that at all.

Nothing shows even to this day on Experian

 

2nd May 2009: Sent a CCA

17th May 2009: Sent a failed to respond letter account in dispute

 

22nd May 2009: Received a reply from Capital Bank dated 20th May 2009

thank you for your statutory request for information in respect of the above Loan Agreement.

Please find enclosed a signed copy of the executed Agreement.

 

Thats it and then a 2 page agreement which can be viewed here

 

Page 1

http://i39.tinypic.com/jayh3p.jpg

 

Page 2

http://i42.tinypic.com/20ubd04.jpg

 

 

At the beginning of the year 2010

got a statement and then another one in February 2010 which is just a general statement showing what we owe and what was paid.

There are no charges on the account and no interest been applied.

 

 

13th August 2012

My husband got a letter dated 13th August 2012 (my name not on although a joint account):

 

"We are writing to notify you that Bank of Scotland PLC has assigned all of its respective rights,

title and interest in respect of the above referenced accouint (including the outstanding balance) to 1st Credit (FINANCE) 5 LIMITED, effective 31st July 2012."

 

.... plus more just stating that they are managing the account and we have to contact them to organise payment on the account as a matter of urgency.

 

There was also an 'Account Assignment' attached stating balance now due and to contact them to agree repayment options etc. etc. etc.

 

28th September 2012:

Today my husband received a Statutory Demand under section 268(1)(a) of the Insolvency Act 1986, Debt Liquidated Sum Payable Immediately - Form 6.1

 

Any advise would be much appreciated as read on a number of forums that Connaught always send these out and not worth anything then some forums saying that houses could be possessed ! if over £2,000 so take it seriously.

 

Also my name is not on anything it is always my husband although the original loan was a joint personal loan.

 

Many thanks in advance

Edited by Sidewinder
Edited out personal name

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Hi..

. I have just read a thread in these forums which looks like discouraging me to act with regards to the statutory demand.

 

Below is an excerpt from an excellent post

http://www.consumeractiongroup.co.uk/forum/showthread.php?162131-Statutory-Demands-and-Service-By-Post(1-Viewing)-nbsp

 

but I am still unsure as to whether to take the statutory demand seriously.

 

It was delivered in the normal post and not signed for.

 

It does name the course but underneath that in bigger bold black lettering it says to contact 1st credit.

Please can anyone advise

.Many thanks in advance.

 

I hope I did not put anyone off responding due to the long initial message.

 

I just wanted to make sure you had all the facts to be able to help me.-------------------------

--What does this all mean?

 

The service rules are not something new to debt collectors.

They know this rule well.

The reality of the situation where a debt collector sends out a SD in the post is that he has absolutely no intention of petitioning the court for bankruptcy.

 

He has no intention because

[1] to present a petition involves his putting up serious money up front and into court

(currently, September 2008 - court fee on presentation: £190.00, deposit: £415.00,

plus fees to process server and solicitor on the hearing of the petition, p

erhaps another £750.00ish), and

 

[2] if the petition succeeds,

the debt collector ceases to have any further control over the collection of the debt.

 

On the contrary, the debt collector wishes to retain control of the debt's recovery as cheaply as possible.

His modus operandi is therefore to send out the scariest looking piece of paper imaginable in an envelope stuck to which is a second class stamp.

 

If the debt collector genuinely intended to pursue the debtor by bankruptcy,

was committed to paying the fees and losing control once a bankruptcy order had been made,

he'd ensure he complied with the service rules from the outset and would not take any short cuts which would frustrate that genuine intention.

It is an abuse of the process of the court and harassment to send out a statutory demand by post with no intention of relying on it in bankruptcy proceedings.

 

This sort of practice once cost a creditor its Consumer Credit licence (Credit Default Register Limited, licence number 0154753 terminated 5 May 1993).--------------------------------

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Lisaclaim

 

I think you need to get this thread moved to legal as you could be being missed here.

 

I cannot help as I am not an expert but I have alerted the site team that this thread is perhaps being missed

 

Best of luck

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moved to legals

 

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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Lisaclaim

 

I think you need to get this thread moved to legal as you could be being missed here.

 

I cannot help as I am not an expert but I have alerted the site team that this thread is perhaps being missed

 

Best of luck

 

 

Thank you so much... I wondered why I wasnt getting a response :)

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Lisaclaim.

 

Not sure why you are not being picked up by the site team. Would suggest you hit the black triangle and put a short sentence this is a 1st Credit SD. Help requested or something like.

 

I cannot help or advise except that this is not something to ignore as 1st Credit from what I read tend to be the real thing. I am hoping not but best to get someone with more knowledge than me to help you

 

Good luck

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1st Credit are usually serious about taking people to bankruptcy..

...when was the last time you paid anything towards this debt ?

 

Have you sent off a CCA request ?

 

A SAR to the original creditor might also be a good idea to check for charges potentially missold PPI etc...

 

...I think sending them an email similar to this one may help,

usually at the sign of a dispute 1st Credit drop it....

 

- http://www.consumeractiongroup.co.uk/forum/showthread.php?367061-statutory-demand-under-section-268-1st-credit-finance%282-Viewing%29-nbsp

 

- If they do not respond then you should be ready to set aside.

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1st Credit are usually serious about taking people to bankruptcy.....when was the last time you paid anything towards this debt ? Have you sent off a CCA request ? A SAR to the original creditor might also be a good idea to check for charges potentially missold PPI etc......I think sending them an email similar to this one may help, usually at the sign of a dispute 1st Credit drop it.... - http://www.consumeractiongroup.co.uk/forum/showthread.php?367061-statutory-demand-under-section-268-1st-credit-finance%282-Viewing%29-nbsp - If they do not respond then you should be ready to set aside.

 

 

Hi

 

Thank you for your reply... we have not paid anything since beginning of 2009

 

2nd May 2009: Sent a CCA

17th May 2009: Sent a failed to respond letter account in dispute

 

22nd May 2009: Received a reply from Capital Bank dated 20th May 2009

thank you for your statutory request for information in respect of the above Loan Agreement.

Please find enclosed a signed copy of the executed Agreement.

 

Thats it and then a 2 page agreement which can be viewed here

 

Page 1

http://i39.tinypic.com/jayh3p.jpg

 

Page 2

http://i42.tinypic.com/20ubd04.jpg

 

to be honest not sure if I have anything to put forward as a reason to set aside :(

 

hope someone can advise. many thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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I'm no expert on enforceability but I can't see any notice of cancellation rights prescribed by the Consumer Credit (Cancellation Notices And Copies Of Documents Regulations 1983).

 

Have you checked the statements to ensure the interest rate is correct as in Kotecha vs Phoenix ?

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Hello... there is no interest on any of the statements we have received. They have not charged us any. Please help anyone otherwise I may just have to ring them :) to arrange a payment as I do not know if I can do anything else.

 

Thanks in advance again

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Please can someone help on this. Also note that Capital One failed to respond to the original request within the allocated time period of 12 days that is why I sent another request to them so basically they cannot pass the debt to someone else ? and not chase for the debt?

 

Is that correct. I sent the letter that is on this site for when a company fails to send the credit agreement within the allocated time.

 

Thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Unfortunately they have now supplied the agreement....whether they didn't supply it on time will not make much difference. Unless you want to get into a battle about unenforceability of agreements, or if there is any potentially missold PPI or a large amount of charges, then it may possibly be the best thing to make a repayment plan with them.

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Thanks... I sent them an email yesterday after seeing that someone else did so on this site as just wanted to get an answer. The email went something like this:

 

We do not acknowledge any debt to you or any other company or organisation that you claim to be representing

 

Dear Sir/Madam

 

Acc/Ref No xxxxxxxxxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves, by way of a Statutory Demand ref xxxxxxxx.In the 'Particulars of Debt' you state that you have attempted to recover the amounts outstanding by telephone and letter collection methods. We have not received any letters from 1st Credit or telephone calls so we are unsure what you are trying to imply. This statutory demand is the first contact since our letter on the xxxxxx2009 as below and attached.

Since this correspondance we have sought professional advice from a National Debt Organisation, and are acting on their advice.

 

We do not acknowledge any debt to you or any other company or organisation that you claim to be representing. We would also like to point out at this stage, that you contacting us, you phoning us, or us contacting you does not indicate acknowledge of an alleged debt case law shows clearly that this can only be done by written acknowledgement by us or payment by us, providing either of these actions occur WITHIN the six year time frame. If these occur outside of the 6 years, that does not unbar a debt (See Halsbury's Laws of England for applicable case law).

We had had numerous letters from varying debt collection agencies with regards to this debt so on the xxxxxxxxxxx2009 we sent a letter (see attached) requesting a true copy of the credit agreement relating to the above account number together with any other documentation of the Act required them to provide.

They failed to comply with our request and as such the account entered default on xxxxxxxxxxxx2009 so we sent another letter on thexxxxxxxxxxxxxxx2009.

Please see the attached two letters that we sent.

We had not received a reply at all and received no true copy of a credit agreement.

The limit expired (exceeded the 12 working days for a request) and as you are no doubt aware section 77(6) states:

If the creditor fails to comply with Subsection (1)

(a) He is not entitled, while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

Because of this failure to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it consequentially any legal action pursued will be averred as both UNLAWFUL AND VEXATIOUS.

Please see attached letter sent on xxxxxxxxxxxfor further statutory information sent.

We hope you can shed some light on this for us and look forward to your speedy reply.

---------------------------------------------

Any ideas on if and what there response might be or am I wasting my time waiting and better ringing them to make an arrangement ?

Thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Hello... Just wanted to confirm I suppose it better I ring up and offer a payment plan! Please can someone confirm if there is anything else that may be done. I fully understand if not just want to be sure before I ring them.

 

Many thanks again

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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You can of course dispute the amount...PPI, charges etc....so say that until you get the results of the SAR then you consider it to be in dispute. Only talk to them on the phone if you record it though....otherwise put it in writing

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Hi

 

Does that mean I have to do this SAR - what is it ? I also found a letter dated 13th August from Bank of Scotland stating that they had assigned all of its respective rights, title and interest in respect of the account to 1st Credit, effective 31/7/12

 

I am pretty sure never had PPI

 

Thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Sorry can I just ask as well the date on this statutory demand is 26/9/12... do I have 18 days from that date as it is getting close and I am thinking of contacting them. I don't want to be cast as bankrupt as that is scary. What will they do now. How do I stop them from carrying on with this. Please thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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I found details on SAR on this forum... if I send this via email will that put a stop on them continuing or do I have to go to the court and ask them to set aside because I am disputing (but on what grounds):

 

Dear Sir/Madam

 

 

ACCOUNT/REF NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

 

 

 

Please note that I require disclosure of any personal datalink3.gif which you hold on me for the entire period of my dealings with you.

 

This Subject Access Requestis includes - but is not limited to any data you hold about me in respect of any matter and held in any form including notes, screen notes, recordings, internal correspondence and external corresppondence.

 

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return.

 

If I do not hear frm you then I will assume that this Statutory Request is satisfactory and that the 40 day timescale has started.

 

 

 

Yours faithfully,

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Please could someone reply this mornin on how i can put a stop on this statutory demand. If i cant then that is fine. First credit did not respond to my email. I will hav to ring them this afternoon if no response on this forum as 18 days just about up. Thanks

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Hi Lisa responding to your PM

 

I can only endorse what 42man has already advised ....if there is is no dispute/ or miss sold PPI/ unfair charges and you have been supplied with a copy of the CCA then your only option is to speak to them today and arrange a suitable affordable payment plan.

 

Im sorry I can't offer any other advice,.

 

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

 

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

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hi all. spoke with first credit today and recorded the call. just asked them to respond to the email I sent them on the 9th... in the email, posted earlier in this thread, I had noted no response with regards to me requesting the credit agreement. They are going back to Capital One to see if they can get a copy of the agreement. I also got recorded that this Statutory Demand is on hold until they get back to me regarding the agreement. So let's see, may be only a delay but giving it a go. Thanks again all I will keep you updated

----------------------------------------

2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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Well done Lisa lets see what transpires.

 

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

If you want advice on your Topic please PM me a link to your thread

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