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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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Argos Card debt - from lowell to scotcall


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Hi Everyone, I had a letter from Lowell ages ago, regarding a debt owed to Argos. I have since been on Noddle and seen that there is a debt on there saying owed to Lowell. Lowell have written again stating they act for Argos offering ways to pay their client. Am puzzled why its showing on Noddle as a debt owed to Lowell?

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Lowells probably have bought total rights to collect on the debt and therefore it is dubious whether they can add their details if they don't actually technically own the debt.

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The debt has most probably been assigned to Lowell to collect with all the rights of the original agreement but not actually sold to them, in this situation Lowell should show as the ''entity'' entitled to pusue the debt right through to litigation as necessary.

 

I suggest a CCA request to Lowell as the first move.

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its from 2008 according to the noddle report

 

OK let's see what Lowell come up with.

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Lowell is a debt buyer. They will probably own it. Have you had any correspondence from Lowell (or the original creditor) such as a notice of assignment or a default notice (the latter would be from 2008-ish, I guess)? It would help if we could see the wording of the letters they have sent – it would help to clarify the situation.

 

The issue of who reports the account to the CRAs is a bit of a red herring. Whether the account’s assignment is absolute (sold) or equitable (assigned for collection, usually) the likelihood is that Lowell will have the right to report its status. What is showing as the default date on the CRA file? Any other history?

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  • 1 month later...

Am guessing this is a charge put on by Lowell? OC Argos, default on Noddle says £180 but then its got Lowell and amount o/s £204. Lowell bought the debt. This isn't the same debt as the other post I have re Lowell and direct debit. This relates to an Argos account card.

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well it shows on noddle....name Lowell for the amount of £204. so I clicked on to look and then it opens showing OC Argos, default amount £180.

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The odd £24 is either charges or it's the remaining balance of the account.

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yes I have dug out the original paperwork, and this is the amount due, so the £24 is charges. There is another one similar, showing default as the amount which was outstanding at the time, but then on the total amount its over £100 more, that's another JDW they seem to add lots of charges on their accounts. Lowell have that one too. No wonder people think they have to pay all these charges when they are put on there like that. Some of the letters I have are offering discounts so that's put my alert flag up after being educated here LOL.

 

Thanks again...I will observe and learn.

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It's confusing I know DN is issued to give a debtor an ''opportunity'' to remedy the default which is usually arrears, so it will be different from the full balance owing if the account is terminated.

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  • 3 weeks later...

Lowell have 2 or 3 different debts for me,

one that was originally an argos store card,

I ordered something online and had the opportunity to apply for the store card/credit, which I did.

 

Am assuming at some point argos sold the debt to Lowell and they are showing on noddle as the amount being owed to them.

 

So far I have not replied to Lowell about this ex argos debt,

and today I got a letter from Lowell telling me that as I have failed to pay my account

it will be sent to scotcall who are one of their approved debt collection agencies,

and they will be instructed to pursue me for this debt and seek to recover the full balance.

This will be from the 12/4/2013.

 

However prior to this date I can still contact Lowell and make arrangements to pay monthly at an amount I can realistically afford, or paying in full.

 

They give details of scotcall, and address in Glasgow and telephone number.

 

Are scotcall the door step collectors?

 

will I get a letter from them then a visit?

 

or are they just going to turn up at the door?

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how old is the debt? was there any PPI or charges on card? Scotcall will probably write to you, but they have no right to visit you at all there is a letter in the library stopping any visit. Did Lowells offer you a discount? Stay off the phone to these people only communicate via mail. If you also print off a copy of the doorstep visit in case they turn up, you dont have to talk to them just hand the letter and shut the door. If they, after you have given them the letter remain outside or continue to knock call the police.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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the debt is from june 2009 for £204. it was for something bought from argos online. not sure how long Lowell have had it, they have written and I have ignored, was caught out once on the phone by them but nothing in writing from me to them, and I now don't speak to any dca at all. yes I will copy off a visit letter in case they turn up, good idea.

 

am guessing they are just passing it round now? after nearly 4 yrs.

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Scotcall are doorsteppers, there must be some ''doubt'' about the viability of the paperwork here imo,

may be worth a quid to CCA Snotcall.

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Thankyou Brigadier....if they write I will do the cca for a quid and see what happens, if they turn up they will be sent away with the visit letter.

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Thankyou Brigadier....if they write I will do the cca for a quid and see what happens, if they turn up they will be sent away with the visit letter.

 

OK toe of boot would be more satisfying!!:jaw:

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  • 3 weeks later...

Well I had a lovely email today from scotcall.....usual stuff and letting me know that if I don't pay now or set up a payment plan they will have no alternative but to send a door step collector to my home to discuss this debt and payment.....pfttttt

 

I replied by email with the door step letter....and am now going to send cca request by recorded delivery and write on the postal order the required info. Same as I did with Lowell.

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