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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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    • 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
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Under a Freedom of Information Act request the CRA's would have to release info on various statistics providing it doesnt include specific companies info or would they not?

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Difficult one given''sensitive'' business data and the DPA, I think the inormation

would be scant to say the least.

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For example the figures of how many restricitions or actions have been taken against their clients when it has been proved they have knowingly submitted incorrect info on a persons credit file.

 

It is not naming individual companies, i would be a statistic to show if they do take action as they claim to do and personally a consumer has the right to know that

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  • 1 year later...

Hi

How can BT and other utility companies place defaults on your credit file?

 

It is not a credit agreement you are signing upto it is a sevice agreement where you pay for services used. No form of credit is been advanced.

 

Seen as default notices are issued under Section 87of the Consumer Credit Act im just wondering who they work out they are entitles to issue them?

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Mobile Phone companies are not regulated by the Consumer Act 1974 and therefore are not required by law to send an official default warning letter.

 

However, there is an official contract in place between them and yourself and this therefore is covered by Contract Law. Clearly there was a 'breach of contract' and therefore they should be lawfully obliged to send notice of this breach, and to have given a reasonable amount of time for the breach to be remedied.

 

Clearly they do not follow the official guidelines set out by Contract Law and therefore the Default is unlawful and should be removed IMHO.

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Thanks Andy it was a landline account from years ago

 

I understand what you are saying regarding the contract and breaches need to be given the chance to be rectified

 

What I don't get is how they can place a default notice that with regards to credit are issued under section87 on your 'credit file'! You haven't breached any form of credit agreement!

 

As you said they are not regulated by the cca so I don't get how this form of defaulted account can appear on a credit file!

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They are not actually placing or issuing a DN as required by the CCA1974 just a marker that you have breached your terms and conditions with them.

 

Its a grey area and really they do need further regulation.... as in some cases they can trash your credit file for one missed payment...be it legit or disputed...everyone should be allowed time to rectify.Therefore its always worth challenging providing its a genuine dispute and you have followed their terms and conditions.

 

Regards

 

Andy

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It certainly is a grey area

 

I do not see how this kind of information kind be placed on a credit file

 

The clue is in the title credit file, when a creditor advances you a form of credit and you default it is to be expected

 

I mean where does it end, you have a contract with a builder miss a payment or dispute it they can then add a default to your file?

 

Very annoying

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Well not quite a lender/service provider can only pass on information about your credit agreements with your consent. You usually give this consent when you sign the credit agreement. Failure to obtain your consent is a breach of the Data Protection Act.

We could do with some help from you.

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Thats my point you give consent to a creditor who is advancing you credit to report your account to a credit agency.

 

Im going to have to have a look back over things as it is only for £57 and am sure it was paid when we moved but ill have to look.

 

What i am sure is no notification stating pay this amount or we will record the entry on your credit file was ever received.

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Thats my point you give consent to a creditor who is advancing you credit/or service to report your account to a credit agency.

 

Im going to have to have a look back over things as it is only for £57 and am sure it was paid when we moved but ill have to look.

 

What i am sure is no notification stating pay this amount or we will record the entry on your credit file was ever received.

Then that is your start & arguing point

 

Regards

 

Andy

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  • 5 months later...

Hi

 

Can a default notice be issued by a collection agency or does it have to be issued by the OC or legal assignee?

 

Thanks

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The normal procedure is for the original creditor to place a default prior to selling/assigning the debt to a third party, if the debt is not defaulted before sale to a debt purchaser they may default the account when the acquire the account, this though is open to challenge as the ICO Technical Guidance on Defaults states that defaults should be placed within 6 months of the cause of action, e.g. missed/stopped payments.

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Thanks, What if the OC still owns it but has just passed it to a Collection Agency, has the Collection agency any right to issue a default on the OC's behalf or should it be the OC that issues it?

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Thanks, What if the OC still owns it but has just passed it to a Collection Agency, has the Collection agency any right to issue a default on the OC's behalf or should it be the OC that issues it?

 

No, it should be issued by the original creditor.

 

Who are we talking about ?

 

B/shark have fallen foul to the fact that they have let Mercers, their "in house" collection agents issue Default Notices.

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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

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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.

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See attached..

 

 

 

2

 

(1) The name and a postal address of the creditor or owner.

(2) The name and postal address of the debtor or hirer.

 

the above taken from...

 

[ATTACH=CONFIG]45147[/ATTACH]

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.

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The exact company am referring to Citizen B now the debt has been sold on so just trying to figure out where that leaves me

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There are some queries on the subject of banks 'in house' collection departments placing defaults, as there have been with other types of businesses such as the mail order companies.

 

In house = same company is the argument put forward, the regulators need to clarify.

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  • 3 months later...

Hello sir,

I registered my free trial account with Experian credit score checking company and i cancelled it before completion of one month but after deactivating my account they direct debited my bank account by GBP 15. Please assist me what should i do now???

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Contact your bank and demand an immediate charge back and inform Experian you have done so.

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  • 6 months later...

Hi

 

Is there a specific time limit a creditor is expected to register a default entry with the CRA's or can they do it at any time they wish?

 

Thanks

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The guidance (and it is only that - not law) changed this year and basically as long as the record is 'factual' then they will not uphold a complaint of delayed (or no) default. The FOS agree with them. So now it is likely that adverse information will be visible well beyond 6 years from the time you started having financial difficulties.

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The guidance (and it is only that - not law) changed this year and basically as long as the record is 'factual' then they will not uphold a complaint of delayed (or no) default. The FOS agree with them. So now it is likely that adverse information will be visible well beyond 6 years from the time you started having financial difficulties.

 

 

I agree this is very much a change for the worse, removing the suggested time scale for placing defaults is going to affect a large number of people.

 

 

We have seen Welcome Finance over the years of its administration failing to file defaults until it was about to sell on very old delinquent accounts.

 

 

The time and inconvenience and difficulties in challenging these unfair and unreasonable defaults has not it seems been considered by the ICO when drafting the new guidance.

 

 

This will give creditors an unfair advantage and should be re-thought!

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