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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.
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      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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Huge Debt Problem


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I'd be getting your income paid into a parachute account.

 

 

stop people dipping without your control.

 

 

dx

 

 

thanks dx i will look into that...

 

 

.. i owe about twelve different creditors so finding a bank thats not related to any other might take some time,

 

 

i hate that company they must know iam finding really hard when i can only just pay the interest for so long,

 

 

i would say they are the main reason i need to go down this route would probably try and pay them "the normal way"

if they would be more reasonable.

 

 

i closed the card when they upped the rate to 20%

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try the co-op

they do a basic account available online with a debit card

 

 

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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The Credit Union's a good call, I've been a member for donkey's and have never seen any account on any of the CRA's files.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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The Credit Union's a good call, I've been a member for donkey's and have never seen any account on any of the CRA's files.

 

 

man my head is all over the place with this i meant to say citizens advice,doesn't even sound the same....think iam losing it.

 

have seen a lot of stuff on the internet about reclaiming ppi and the like does anyone know of any companies that do this that i can trust,reading a lot of horror stories as well.

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have seen a lot of stuff on the internet about reclaiming ppi and the like does anyone know of any companies that do this that i can trust,reading a lot of horror stories as well.

 

Do it yourself for the cost of a few stamps, we can help you.

Some of these companies charge in excess of 35% which is shocking, money for old rope.

 

If you don't have all your statements for your accounts you would need to send them all a SAR to get the information to enable you to sort out any PPI claims.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Do it yourself for the cost of a few stamps, we can help you.

Some of these companies charge in excess of 35% which is shocking, money for old rope.

 

If you don't have all your statements for your accounts you would need to send them all a SAR to get the information to enable you to sort out any PPI claims.

 

Will probably do that then... just off the phone to the co op and they are going to open an account for me 3-5 days,guy wanted me to apply for the all sing all dancing account with overdraft and the like but told him i just wanted the very basic account.

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Will probably do that then... just off the phone to the co op and they are going to open an account for me 3-5 days,guy wanted me to apply for the all sing all dancing account with overdraft and the like but told him i just wanted the very basic account.

 

Hi albertz

 

Glad to hear you persevered and got the account you were after. The basic accounts aren't advertised and don't really generate any worthwhile income for banks, so I'm not surprised their agent was keen to "upsell" to you!

 

I think you will find this new account makes a huge difference to the degree of control you have over things.

 

Dennis

@natdebtline

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For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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now

put ALL your income into there

 

 

and DONT setup ANY DD or SO or anything against it.

 

 

you use that account to transfer money to other accounts

via the internet banking webportal to fund those

and the account they exist on

THEN yu have control!!

 

 

dx

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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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went to citizens advice

asked me to sign a load of forms saying that they would be dealing with my affairs on my behalf.

 

 

they gave me a couple of a4,s for my income and outgoings...

..she also told me to phone the credit card companies and tell them that the ca is dealing with my debt

and to offer token payments until my next appointment on dec 1st.

 

filling in my incoming and outgoings every month it look like,s i have about £400 spare

 

 

she told me to get this down to about £100

god knows how

 

 

maybe iam filling it in wrong because there is no way i have that left over.

that is before paying the debts.

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She is in effect saying, show you have £100 per month to split between your unsecured debts

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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i have more than this

 

 

i just don`t know if i should trust her ,

 

 

didn`t even know what a das was when i asked her if that is what she was proposing?

 

she was also very matter of fact

saying stuff them we will give them as little as possible,

 

 

but surely that will means my debts are around a lot longer....

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Try the budget sheet in the second post of the link here. It'll work it out for you and might be more comprehensive. http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Seriously thinking of contacting halifax directly again and rbos

as these as the two companies that are causing me all the bother with their interest rates..

 

 

.. halifax must know that a customer is in trouble if their bill hasn`t gone down in three years

with no spending on it surely.

 

 

was thinking of telling them if they don`t` reduce i will go through with the citizens advice dmp thing...

 

 

... anybody think the will give a fig or iam wasting my time with them.

 

just feel if i thought i had a chance of paying these bloody things off i would try my damnedest to do so....

 

 

any thoughts.....

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its very hard to take that first step and stop all payments to unsecured debt.

 

you have to accept if you do, that your credit profile/ borrowing ability is finished for at least 6 years

 

But the eventual rewards are that it will put you back in control of your money and your life

 

you wont just be working to pay interest

 

and if you have ppi to reclaim, your debt will diminish faster than you would imagine

 

dont worry at this stage about how long it may take to repay

 

you need to stabilise your position first

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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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Right sat down and calculated all my ins and outs and on paper it says that i have at least £700 left over to live every month that is after every thing apart from petrol for the motobilty car.... just doses`t make sense,if i went down the dmp route would they say that was enough to live on for food and the like?

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You need to include everything including petrol, food, clothes, if you have kids who have activities, birthdays, Christmas etc. Don't leave anything out.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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You need to include everything including petrol, food, clothes, if you have kids who have activities, birthdays, Christmas etc. Don't leave anything out.

 

must admit didn`t think about some of those.Iam just wondering what the financial people think is enough to live on.i don`t want to start a dmp or das and realize i have even less to live off every month than now...

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Make it realistic. Put what you spend. If they think you've allowed too much I daresay they'll let you know, but if you miss something I doubt you can add it in later.

 

Maybe write down everything you spend for a week or two and check your bank statements to make sure you don't miss anything.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Make it realistic. Put what you spend. If they think you've allowed too much I daresay they'll let you know, but if you miss something I doubt you can add it in later.

 

Maybe write down everything you spend for a week or two and check your bank statements to make sure you don't miss anything.

 

 

thanks i will just trying to put what you spend on paper i.e food £200-£300 for three people a month is that a lot or too little,baffled!

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What do you spend? That's roughly £50 to £75 a week. Does that include toiletries, washing powder, loo rolls etc. You might do it some weeks but could you every week?

 

If you don't do the shopping yourself, ask whoever does.

Edited by caro
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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recalculated all my outgoings now have £450 available every month,

 

 

does anyone know if the creditors will demand that full amount between them all..

.. i know so little about such a life changing move.

 

has anyone on this forum ever done a dmp/das i would really appreciate their knowledge.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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When I first started my DMP my advisor basically created my I&E . He used limits that he knew the creditors would find acceptable. The trick is to find out what they are and include them all at the top end. You need to remember to include money for everything , haircuts , emergency, clothes , everything. It is very easy to forget . If you google NEDCAB (North East Derbyshire CAB) I think their tool gives you "guidance" figures of what is acceptable or at least will tell you if it would be a bit much.

 

As my credit file s shot anyway I then check the enforceability of each debt , basically anything prior to Apr 2007 needs to be exact and many are not

Any opinion I give is from personal experience .

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