Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Experto/Varde now Arrow/Shoos Claimform - old MBNA card debt


roygoodbeat
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3934 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 209
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

  • 3 weeks later...

No response from the company regarding my subject access request.

 

Have had a letter from MBNA. They claim they have not unlawfully rescended their agreement and that they did not sell the debt until the end of October.

 

According the the company they have sold it to, they claimed mid October they had been sold the debt and they verbally confirmed this was sold approx beginning of October.

 

Still waiting for the subject access request I sent them.

Link to post
Share on other sites

After a few letters and random phone call all went quiet.

 

Now I have a Mr Green calling me on behalf of MBNA. Does not do any security checks when he calls, just goes straight into I am calling you regarding your MBNA debt or the money you owe MBNA.

 

Speaks very agressively on the phone.

Link to post
Share on other sites

Find out what company he works for if you can, and report them to the ICO for failing to carry out security checks - clear breach of the Data Protection Act.

 

:)

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 OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...
Spoke to the new company after receiving a series of demands from them. They do not appear to have a copy of my subject access request despite them signing for it. Getting frustrated with this as this will simply prove unlawful recession.

 

Hi Roy,

 

Who did you send the SAR to out of interest?

 

Those of us that have found out the 'true' sold date have got that info through a SAR to MBNA. If you have sent this before to MBNA (I think you have without reading back) you may need to send them another one to get the info since your last SAR. Apologies if i've misunderstood, but your post above reads that you've sent SAR to the 'new people'.

 

M

 

Link to post
Share on other sites

  • 3 weeks later...

They have passed the deadline for 40 days after sending a subject access request. They sent me some basic info and stated that the rest will need to be sent from MBNA eg: Deed of assignement. They have not produced proof or proof of date when they were sold the debt.

 

I have sent them notice that they must respond within 10 days or else I would consider taking legal action against them. That's expired too and still no info.

 

I looked at my credit report and it does not state when it was sold to the new company.

Link to post
Share on other sites

Have requested this. The only thing they sent was a page from a PC. Looks like it was loaded on the 30th Sep which coincides with when they verbally told me that they would have purchased the debt. They wrote on the 14th Oct to say that they had been sold this.

 

MBNA claim this was not sold until 31st Oct but was identified before hand.

Link to post
Share on other sites

  • 3 weeks later...

What to do next??

 

I have now written to the Information Commissioner and threatened the new owners legal action as they have not complied with my Sunject Access Request.

 

MBNA have denied unlawful recession, they have said that they have done nothing wrong and the debt now belongs to another party.

 

My credit record does not show when the new debt was aquired.

 

What to do next?

Link to post
Share on other sites

Roy, they told me that my sale was identified beforehand but I have the evidence both in the letter from Hillesdens (dlc) and MBNA's comms log.

 

You may need to do another SAR to get this from MBNA (not who it has been sold to) if your original SAR was a while ago, then this information wouldn't have been showing then.

 

As far as the CRA's are concerned, perhaps MBNA have wised up on this!

Link to post
Share on other sites

I was thinking that the new owner could get "creative". If you have the comms log from MBN@ it will tie everything up nice.

 

Knowing Exspurtos typing skills you will be luck to get anything out of them.

 

Pumpytums

Link to post
Share on other sites

MBN@,

do tend to send most of the info you need if you wish mention the communications log in your SAR. They were a little late with mine but only by about a week.

 

I would be interested to hear what you managed to get out of Exspurto with your SAR?

 

Pumpytums

Link to post
Share on other sites

Nothing apart from a couple of computer print outs and a screen shot showing the date of 30th Sep. The default notice was sent on the 7th October and should have finished 14 (plus 2) days after that. I received a letter dated 14th October stating that it had been sold to Experto.

 

The default notice did not comply with the regs.

Link to post
Share on other sites

april 2009 and to the new company in feb 2010.

 

Just had the new compnay send me statements but not deed of assignment or proof that they legally own the debt. I have now written to the information comissioner.

Link to post
Share on other sites

Hi Roy,

 

I would definately SAR MBNA again and specifically request the comms log, I agree with MandM, I do not think you will get the sale date confirmation from anywhere else and I would mention that you are after this confirmation just in case they have the ability to amend dates on their systems!

Not that I am suspicious! ;)

Link to post
Share on other sites

  • 2 months later...

Latest update:

 

Someone from Experto called and started demanding when I would pay them. Furthermore, when I explained that they had not sent me a deed of assignment, he said that they had sent everything, I should realy know what I am talking about as the recent Waksman ruling stated that they could enforce the debt and was frankly rude and agressive in tone.

 

A little bit annoyed as they have not proved that they own the debt and refuse to send me this. MBNA just write back and say;"speak to experto" or they have not unlawfully rescended this agreement.

Link to post
Share on other sites

Now had a series of calls from Aegis? who keep calling me on my work mobile. I have advised them not to call on my work mobile number, but they keep doing it.

 

In this case, they have issued an unforceable agreement and have issued me with an incorrect default notice.

 

Does anyone know what I am liable for? I beleave it is the max that was outstanding at the time of the deafult notice. I understand I can offset this with costs and interest. Anyone know what amounts?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...