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

Cap One PPI - What to do next?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3758 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

scan a copy up, minus personal details, cap i get a CCA1974 right??? miracles do happen??? 2000?

 

They do try to argue PPI

 

You want me to scan it for the forum? Enlightem me regarding the "CCA1974 right??? "

 

Hmm.. So this is looking good me me eh? Can't believe it!

Link to post
Share on other sites

  • Replies 204
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Consumer Credit Agreement 1974 is your contract between you and a Supplier (Credit Card Company in this case), alot of pre2006-7 agreements did not conform to legislation, i.e. contain the contents required to make the contract.

 

Just a thought, so if you scan your copy up peeps may be able to see if it conforms to legislation.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Thanks for the info... It's all new and confusing to me (at the moment)

 

Does the PPI only cover the erm... PPI? and charges are done seperatley? and IF my agreemnt does not conform what then?

 

Anyway.. I will start the PPI and attempt to attach the scan now.

img006.jpg

img007.jpg

Link to post
Share on other sites

Sorry.. made a mess of that. Any advice to get it full page?

 

Use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Link to post
Share on other sites

  • 1 month later...

So, here I am awaiting my SAR results from Capital One on day 43 and the Post Man delivers my letter from said prat's.

 

Rather than the heaftly package I expected, I get a one page letter LOL

 

From: Liam Quegan

 

Thank you for your recent letter which has been passed to me as I deal with requests under the Data Protection Act 1998.

 

Unfortunately I am unable to review your request as the signature you provided us with does not match our records.

 

In order to provide you with the requested information please write to me again together with a copy of your signature (this could be a driving licence or passport)

 

I am sure you understand that we need to do this to protect the security of your account.

 

We acknowledge a receipt of £10.00 fee required by the Data Protection Act 1998.

 

Please note that the 40 day time limit to provide you with the Subject access request does not start to run until we receive the correct documentation.

 

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

 

Can they actually do this? I signed the SAR but deliberatly used a different style of signature. Also can they make me wait another 40 days?

 

What to do??????

Link to post
Share on other sites

The information Commissioner say quite specifically that if they require further information, they are to request it "promptly" ... not that they wait for 43 days and then say they cant deal with it.

 

Have you been in contact with Capone say in the last 12 months ? If so, then having communicated with you they have no need to to establish who you are.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

have you moved since you last used it?

 

seems strange

they are going on a sig mis match.

 

BTW you dont need to munge an SAR sig.

 

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... 

Link to post
Share on other sites

What on earth is the point of providing a false signature on a lawful request for information it's entirely pointless!!

What do you believe they are going to do with the correct signature?

The bank are totally correct in their actions so comply with the request for your proper signature, they may or may not make you wait a further 40 days from the receipt of the correct information.!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

two thread merged

 

please keep to one thread per debt/reclaim

 

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... 

Link to post
Share on other sites

I have taken a look at the ICOs Instructions for making a SAR every template contains at the end (signature)

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Ok ok.... my stupid fault. I'll reply with correct signature!

 

Q: Brigadier - What do you believe they are going to do with the correct signature?

A: I don't trust that lot one inch...

 

Q: dx100uk - two thread merged

 

please keep to one thread per debt/reclaim

 

A: It was not me... I made a seperate new post!

 

Yest I have been in contact with them in the last few months and they did not need my signature when I got all the other details from them!

 

So with my *ss spanked I'll resend the SAR letter with signature.

 

Thanks

Link to post
Share on other sites

A SAR is a lawful request made under an act pf Parliament.

 

As to your comment about trust it seems to be mutual:lol:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 1 month later...

We SAR'ed Cap One and waited 45 days to get a reply stating my signature did not match their records (my fault)

 

Sent a new SAR with correct signature.. I stated in a letter that they should not have waited so long to point the signature problem out Etc. and expected a reply (SAR details within 7 days)

 

Ok, no 42 days have passed on my second attempt with no reply so far.

 

They have been charging PPI since 2000 when I have proof from them I did NOT tick the box for PPI.

 

I am sure the next letter will state "We are snowed under and need 10 weeks" I just know it lol.

 

So, do I have any poweres or do I just wait and sit it out?

Link to post
Share on other sites

failure to comply letter and threaten them with the ICO

 

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... 

Link to post
Share on other sites

Thank you for the pointer's... What do I put in the 'failue to comply' letter? is there a template available.... and how do I 'threaten' with a ICO ?

 

Sorry to be such a newbie!

Link to post
Share on other sites

failure to comply letter is in the green library tab top left

 

information commissioners office

 

they regulate infomatation.

 

dont forget our search top right.

 

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... 

Link to post
Share on other sites

Hi, just an update...

I am really getting fed up with this bunch.

 

I sent the "failure to comply letter" the other day 8/11/12 using the template and stating I want my SAR within 7 days.... I should have saved my time!

 

Today I received a one page letter from a Mr ...... (who also sent the previous letter)

which appears to be a standard letter sent to anyone who applies for a SAR

but failed to include the £10.00 fee. It's taken them 42+ days to send me that.

 

40+ days ago his last letter stated that they could not proceed because my signature did not match their records

BUT they acknowledged the receipt of my £10.00 fee.

 

24 September

"In order for us to provide you with the requested information, please write to me again together with a copy of your signature or a copy of documents showing your signature"

"We acknowlege a receipt of the £10.00 fee required by the Data Protection Act 1998"

"Please note that the 40 day time limit does not start until we receive the corect doccumentation"

 

Everything was re-sent excluding any further payment.

 

Today:

All the usual standard waffle and...

"Please note that the 40 day time limit does not start to run until we receive the fee"

 

So... 80+ days down this sorry road and I am NO FURTHER than step one!

I am beginning to see why many opt for the solicitors.

I bet Capital One does not mess with them so easily.

 

I wish I could phone them (or better still call in) either they ARE incompetent or they are using every stall tactic they can dream up...

. In which case meybe I should let an agent take over?

 

What would you do? This is just dragging on and on, and then there will be the PPI claim.

 

Help!

Link to post
Share on other sites

I'd stronly advise NOT to let an agent (claims company) take over. You've started this footwork, it'd be such a shame to appoint a claims company at this stage and lose 20/30% of any money you could potentially win!

 

I understand your frustration as I had the same bs stalling tactics with Sharkleycard (sar sent the day after Boxing day last year and all my docs eventually arrived mid May this year!)

 

I'm not sure that they can restart the 40 day clock again. Hopefully one of the SAR experts will be along shortly to advise further.

 

Good luck... Please, stay away from the claims company. I'm sure this stalling tactic would have still been used if you'd have originally gone through a claims company.

 

Be sure to put a line through your signature just in case it is their intention to lift it and paste it onto documentation!

It never rains but it pours...

Link to post
Share on other sites

Yeah... Thanks. It's just so anoying when these people can play with us like they do.

 

My signature was done on the anti tamper image so we will see lol

Edited by dx100uk
please refrain from vailed swearing - dx
Link to post
Share on other sites

Had the same problem with my Cap One card.

 

I didnt hang around but wrote to CEO. (Google him) stating what has happened so far and if you dont get your SAR in x days you will be writing to the ICO.

 

Got mine within a week. They never indicated that they were at fault but hey ho they never are.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...