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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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Honours/Drydens claimform - old SLC Loans stayed - now n244 sj/strike out


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  • 4 weeks later...
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Hi guys,

Hope everyone is fine.

Just keeping you up to date. I haven't heard anything from HSL nor their solicitor since their letter dated 12th of November.

As Christmas is coming and the new year upon us. I am hoping I will hear and see the end of it before christmas:

Take care and have a Merry christmas

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  • 3 weeks later...

Hi,

Received a letter and 2 copies of what looked like a signed agreement both dated 1998 from Drydens.

 

Can someone please help me, I am even more confused and really do not have a clue what they are talking about now.

I wonder why they didnt mention anything about the SB defence

 

 

Please read the content of their letter below

 

As requested we attach hereto 2 copies of the agreement upon which the claim is based.

 

With regard to your request for details of interest, we refer to you the agreement which shows that the Agreements would carry annual percentage of 2.6%. Furthermore, the claim has issued as you will see from the Particulars of claims interest at the County Court rate from the Default notice expired( I really do no understand this part)

 

We consider that the attached information is more than sufficient for you to understand the Claim made against you and remind you of CPR.31 does not apply to claims allocated to the Small Claims Track.

 

Given the issues raised and simply the nature of the debt, we consider the Small Claims is the most appropriate track for dealing with this dispute.

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Hi Confused

 

They are simply responding to your CPR request with disclosure.It does not alter the fact its still SB.

 

" Particulars of claims interest at the county court rate from the Default notice expired" Simply means they claim simple section 69 interest (8% at the courts discretion) on outstanding debts......should they be allowed the judgment.

 

Regards

 

Andy

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Wait to see if they wish to proceed..if they do you will receive an AQ

 

PS the claim has not been allocated to track yet so CPR31 does apply.

 

Andy

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I was a student from 1998 until 2001 and it was the new system in place at that time regarding loans.

I think the threshold in 2001 until 2008 was well under £15,000 per annum.

I think I started repaying the student loan in 2002 when I was on £12,000

and as my salary increased so did the amount paid back.

This was done automatically by the employer via the tax department.

If you were employed in the last six years and earned more than £15,000 per annum before tax, more than likely, the loan company received a payment.

I think the threshold is now £15,794.

I am not sure when the threshold changed and was made higher.

You would need to check your salary slips

.the Student Loan company should have issued an annual statement.

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  • 3 months later...

Hi all,

Happy new year.......2013,

Just to inform you of the twist of matters.

I received a letter from HSL today, read as follow...............

We refer to the above matter and write further to your correspondence dated 31st October 2012 and defence dated 5th November 2012. Please accept our apologies for the delay in our response.

We note that both the correspondence and defence are unsigned. In order for us to insure that we are dealing with account holder please could you provide signed copies of the above documents.

Upon receipt of the sought documents, we will respond accordingly.

First and foremost, I didn't remember not signing the documents and secondly I don't understand why they (HSL) are now getting back to me instead of their Solicitors (Drydens) who has responded to these unsigned documents as they claim.

What do you advice I do now please.

Many thanks

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The defence was firstly submitted to their Sols and then a further one to Northampton If recall....If you had submitted on line it would not require a SoT (Statement of Truth) as it was by post then it would.

There is no copy on your thread to check...I assume you retained a copy elsewhere?

 

The CPR request does not require a SoT or a signature...I would suggest that this may be a fishing of signature exercise.

 

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

 

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Good morning,

Yes you are right, I submitted a defence to the solicitor, ( posted by recorded delivery as you advised), and I then submitted online through the MCOL process the court sent me.

The court has acknowledge my defence by sending me a letter a day after I submitted online which read.............

I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimant's solicitor). The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen.

Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for order lifting the stay.

I agree with you, I think they need my signature for some reason, as I am sure I signed the letter I sent to their solicitor. So I should stay put and do nothing.

Many thanks

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Agreed Northampton have accepted so they will too.

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

 

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  • 2 years later...

Hi all, happy many years ago.

Just to update you on things.

Since I sent my SB letter to Drydensfairfax years back (2012), they occasionally send load statements to which I don't reply.

Up until today to my surprise I received a letter from Drydensfairfax stating.....

.........We, as you are aware act on behave of HTL (honour trustee limited) in connection with proceedings issued against you for the sum of £x,xxx.xx being monies due under loan agreements together with interest and costs.

In response to our clients claim you have filed a defence disputing the full amount of our client's claim on the grounds that ....

The claim is SB

The claimant claims to be entitled to £x,xxx.xx is denied

Enclose credit agreement and statements of account.

Default notice

Termination notice

The letter further stated

We would advise that the default notice was issued on the december 2006.

Therefore the debt was and is not statute barred.

The termination notice was not issued until June 2007

.....this is what I received today .

For a moment I thought that was the end as I did not hear from them since I serve the SB letter to them way back in 2012.

Please can you chime light into this.

Thanks

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hi

give the court a ring, doublecheck.

assuming is stayed, then they wld have to make an application to lift the stay. you'll get formal notice of that if they do.

remind

when did they start asking for payment

what amount (arrears or full amount) did they ask for in the def notice

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You mean Drydensfairfax

......I believe the first I receive from them was when I received a letter from court October 2012.

Requesting I pay £5,xxx.xx i believe it to be arrears because of the amount

It also stated in the particulars of claim

....the defendant has failed to make payments under the loan(s) and failed to comply with the default notice served under section 87 (1) on 16.12.2006

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Hi terry,

 

I was actually looking at your post and you were right. I think it's a new tactic.

 

It must be a new recruit dealing with our case 😀

 

@ Ford....

 

I just went digging in my files.

 

I saw a letter from court dated November 2012 from court.

 

Stating the court is in receipt of my defence and a copy has been served on the claimant or it solicitor.

 

.....the claimant must contact the court within 28 days after receiving a copy of my defence if he wishes to proceed.

 

So I believe it's stayed but I will call the court tomorrow as you have advised

 

Thanks

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Willy waving

Ignore them

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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  • 5 weeks later...
  • 2 weeks later...

Hi all,

 

It's been a while, ......

 

Good evening miss terry.

 

Yes, I did.

 

They have since send me letters saying they were disappointed to note they have not received a response from me

 

They further says in the letter dated 22nd of September ......

 

 

......failure to deal with this matter we are left with no alternative but to take our clients further instructions with a view to pursuing the court proceedings........

 

At Dx, Ford........

 

Just to check again, I called the court on the Monday and I was told the case is stayed.......

 

Please....What should I do now

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I got the same letter today! Not sure what to do with it!

 

They further says in the letter dated 22nd of September ......

 

 

......failure to deal with this matter we are left with no alternative but to take our clients further instructions with a view to pursuing the court proceedings........

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