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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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      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.

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Go Debt old private & commercial finance 'debt' car finance Claim Issued


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I think it will be a bonus for this to get in court.

 

 

as soon as the judge ses what has actually gone on

 

 

I think he'll null/void the agreement and make them give YOU all the payments back.

 

 

 

 

what do you think theoldrouge?

 

 

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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how does he know what a court will decide?

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if were my acc , I would relish it going to court given the facts

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I suppose it would be good, it's just a little daunting when we have never dealt with these things before and have never appeared in court whatsoever. We know what has gone on and we are confident of putting our case across but we're just unsure on the whole legislation side of things.

 

Would we need a solicitor to go to court, we don't really want tha legal costs stacking up. Do you think go debt are pushing for a settlement again because they are worried? If they are worried, why would they even pursue a CCJ? It's all very daunting and confusing at times.

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yu would not need a sols no.

 

 

to be honest.

 

 

this could be quite easy for you

 

 

and

 

 

with the fact that you did not and could not

of signed the repo form

 

 

me thinks on that alone its a done deal.

 

 

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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Share on other sites

I suppose it would be good, it's just a little daunting when we have never dealt with these things before and have never appeared in court whatsoever. We know what has gone on and we are confident of putting our case across but we're just unsure on the whole legislation side of things.

 

Would we need a solicitor to go to court, we don't really want tha legal costs stacking up. Do you think go debt are pushing for a settlement again because they are worried? If they are worried, why would they even pursue a CCJ? It's all very daunting and confusing at times.

 

county court claims are like a game of poker

 

a case of who folds first

 

youve got a very good hand

 

read up, hold your nerve

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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now you have received the claim you are going to have to adhere to the court timeline and deal with it.

 

although we already know most of the details,

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

please read and answer the above as it will help with advice on the legal side of things

 

will move thread to financial legal issues now claim has been issued

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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One thing we have noticed and we are unsure whether we should raise this now or not,

 

 

but we received an email from go debt stating

 

 

"our records confirm the agreement terminated due to non payment and the vehicle was subsequently repossessed"

 

 

isn't this directly saying they didn't have a voluntary surrender?

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Name of the Claimant ? go debt limited

 

Date of issue – Claim form stamped 29th July 2014.

 

 

On the letter from the solicitors it states

"Please note that the claim form and particulars of claim are deemed to be served on 29 October 2014.

You should therefore respond to County Court Money Claims Centre on or before 12 November 2014.

Should you wish to discuss settlement of this claim, please contact us on the direct line below"

 

What is the claim for – the reason they have issued the claim?

 

the particulars section of the claim is attached to this post.

 

 

What is the value of the claim? £6683.11

Is the claim for a current or credit/loan account or mobile phone account? Car finance

When did you enter into the original agreement before or after 2007? May 2007

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

 

Debt purchaser; Go Debt LTD

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

Didnt receive a notice of assignment, the first we heard of it was when we received a letter threatening court action

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments:- The car was repossessed and I thought that was the end of the matter

 

Was there a dispute with the original creditor that remains unresolved? Yes

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementlink3.gif plan?

 

I advised the original creditor of financial detrement following an accident in which my leg was broken, and my mother made payments for me as i could no longer afford to.

What you need to do now.

 

Answer the questions above

 

If you have not already done so – send a CCA1974 Section 77/78/79 request to the claimant for a copy of your agreement

(except for overdraftlink3.gif/ Mobile/Telephone accounts)

 

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts

 

Request 1 - Loans/Credit Cards

 

Request 2 - Current accounts

 

You may use a CPR part 18link3.gif request for any other information (not request documents) that you might require in order to defend yourself.

Please not that CPR 18 is specifically for Fast Track claims and although technically the claim has yet to be allocated to a track the claimant may refuse to comply for this reason.

 

If you require CPR Part 18 - this will need to be drafted specifically.

 

If you are not planning on defending for one reason or another – then you will need to complete an Income and Expenditure form and contact the Solicitor with your proposal. The N9a is already enclosed in the claim pack for Admittance which should be sent to the solicitor named on the claim form

 

If you are considering making a partial admittance N9b must be completed and returned to the court.

Please note in most cases a partial admittance will result in an automatic CCJ for the amount admitted

 

 

 

See above for the completed form which was referred to; I am a little confused as to the bottom of the form in which I need to send a CPR 18? Thanks.

 

A couple of side notes;

 

 

l this laim makes reference to the default notice,

and encloses a copy,

 

 

however this is the first we have seen of it and this was nt in the original SARS.

 

 

Also, some of the figures just dont make sense;

 

 

on the transcript of the calls it states,

 

 

for example, £200 was paid,

 

 

but on the payment schedule only £119.58 is credited?

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Furthermore, on all my agreements (the original) on the default notice and on the PC things,

 

 

it states that my total amount payable was £6,889.84.

 

 

however on the claim form it states (section 4) total amount payable under the agreement was £6,189.84; however this is incorrect?

 

Also, on the default notice it states the total amount payment is £6,889.84,

states the total amount paid up to date is £2,724.12,

 

 

which would leave £4165.72 left owing.

 

 

However Go Debt are asking for £4,182.11.

 

 

It looks to me that on the claim form they have all their figures mixed up?

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please pdf the pix

 

 

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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Are you sure of the claim date Tiny??

 

Has it been Court stamped? When did you receive it?

 

The debt would've become statute barred on the 30th July so they sent for a ccj on that date and then they had 3 months to serve the claim to my partner; something the FOS have confirmed is fine as they were "protecting their position".

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post 161 is not a claimform.

 

 

that comes direct from the court not the sols.

 

 

is something fishy going on here?

 

 

dx

 

 

 

 

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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Share on other sites

so they issued a claim in july and you got nowt from the court in july nor before?

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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Have you received one of the following Tiny ?.........

 

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf

We could do with some help from you.

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so they issued a claim in july and you got nowt from the court in july nor before?

 

They said that they put the claim forward to stop the statute barred and agreed to hold it until the FOS made a decision, once that was made they sent it through to us. We contacted the county court and they confirmed that this is fine to do.

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