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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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UKCPS again


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So on Friday night I picked up another PCN from UKCPS. I parked in a disabled bay as one of my passengers is disabled and holds a valid badge, so you can imagine my confusion when we returned to the car a few hours later to find an NTD on the windscreen. As it transpires, the badge must have slid off the dasboard when I closed the car door as I found it face up on the passenger seat, but still clearly visible if anyone had taken the time to check.

 

I'm aware that since the last time I challenged and beat UKCPS, they've jumped ship from the BPA to the IPC (probably fed up of being thumped six ways from Sunday by POPLA and losing money hand over fist) so I'm curious to see how this one plays out with IPC and IAS (if it gets that far).

 

I know that disabled bays are legally nothing more than nicely painted bits of tarmac but am I right in thinking that the Disability Equality act will blow any claim for damages cleanly out of the water?

 

Cheers

CD

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Disabled badge's have no legal relevance on private land. Don't bother about disability act. Just focus on gpeol. Ukcps are the laughing stock of parking companies and ALWAYS mess up big time.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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That would be my plan of attack normally, however I've heard that IAS don't allow appeals based on GPEOL, since as far as they're concerned, their poorly disguised penalty charges are justified. Hence my desire to have a backup argument prepared.

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Doesnt matter. If they are stupid enough to even consider legal action, you have a cast iron defence, and could ask the court for costs too. I see what you mean though. get them on pretty much everything you can.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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get them on pretty much everything you can.

 

Oh I will, don't worry about that :)

 

I really only posted this thread for information sharing purposes. There's tons of info on here and other websites regarding BPA and POPLA (template appeals, copies of adjudicator rulings etc) but comparatively little information about how to deal with IPC and the IAS, so it's my plan to try and get some insight into how they operate.

 

Watch this space, I'll update further when the NTK arrives.

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IPC and all that jazz are maintained by the PPC's, so they think they are untouchable. Thats why POPLA was started, then once PPC's realised the public were on to their little money making scheme, the worst ones jumped ship.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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That would be my plan of attack normally, however I've heard that IAS don't allow appeals based on GPEOL, since as far as they're concerned, their poorly disguised penalty charges are justified. Hence my desire to have a backup argument prepared.

 

 

It all depends on the wording of the signage and the NTK that you should be waiting for...

 

PPCs struggle to word anything correctly and IPC members go down the contractual charge route... or think they do.

 

Post up a picture of the signage so we can have a look.

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  • 5 weeks later...

The latest piece of waste paper has arrived from UKCPS. See attached.

 

Some interesting points of note;

 

Both BPA and IPC logos present, yet UKCPS are now only members of the latter.

 

Payments received which are not accompanied by the PCN number and vehicle registration number will be cashed but the creditor will be unable to allocate the payment to the correct PCN. The parking charge notice will therefore remain unpaid and enforcement action will be taken.

 

How understanding of them, so if someone sends them a cheque for £100 but forgets to include the PCN number, they cash it anyway and continue to chase you for more money. What lovely lovely people.

 

Appeals

At the time that the charge was incurred, a Notice to Driver was affixed to the vehicle. This offered the driver the ability to apeal within 21 days from its imposition. This opportunity has now lapsed and we regret the ability to appeal against this charge is no longer available.

 

Oh dear, so as the keeper who wasn't driving on the day, this could potentially be the first you'll hear about the issue, yet they won't accept your appeal. However..

 

If you consider there to be exceptional circumstances as to why you should be allowed to appeal outside of this period then you should send your reasons to us, in writing, at the above address.

 

Why I think I might just do that. How nice of them, how philanthropic...

 

-ADVICE NOTE-

This is a parking charge and not a penalty or fine.

 

Yeah, right, whatever you say.

 

The car-park operator has agreed to keep to a code of practice, which states that the parking charge issued cannot be unreasonable or used as a penalty.

 

Well, that sounds just dandy doesn't it? A £100 charge for parking in a free car park can't be unreasonable, just because they said so, or something....

 

I've just drafted up my challenge, for a bit of a giggle I've included the following at the end;

 

By continuing to pursue me you are entering into a contractual agreement whereby you agree to pay me £500 (reduced to £200 if paid within 14 days) when I prevail.

 

Appeal will be sent with proof of postage this afternoon. On my previous run-in with UKCPS (back when they were with the BPA) they folded like a deck of cards at my first appeal. Somehow I don't think they'll be quite as willing to back down this time.

 

Game on.

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One other thing I just noticed upon re-reading the form.

 

No mention of POFA 2012 at all. The only thing which hints at it is;

 

Please be warned: that if, after the period of 28 days beginning with the day after that on which the Notice is given (i) the amount of the unpaid PArking Charge specified in this Notice has not been paid in full, and (ii) we do not know both the name of the driver and a current address for service for the driver, we have the right to recover from you, so much of that Parking Charge as remains unpaid.

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they are trying to imply that the keepr was the driver and any acknowledgement or appeal is in their minds an admission of that. The IPC doesnt ask its members to follow the protocols and appears to discourage it so you dont have to take any notice of them other than to have a paper trail that shows that you have done your bit and they havent.

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  • 4 weeks later...

Quick update. UKCPS have rejected my appeal (surprise surprise). They appear to have grown a pair of balls since jumping ship from the BPA for the IPC.

 

I'll be appealing to the IAS but I'm not holding out much hope, since it's fairly doubtful just how "independent" they really are. The NTK is non-compliant with PoFA anyway since it does not contain any photographic evidence of the alleged infraction, or any links to allow you to view any such evidence. Therefore if they did decide to take it to court they would need to identify the driver first. That said, they've stated that they're working on the assumption that the RK was the driver. I'd love to see that assumption stand up in court.

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They grew a pair, because they think they are untouchable since the IPC doesnt really care. Only the really REALLY inept and shady PPC's go with them. The ones who want to try and maintain somewhat of a decent outlook go with the BPA

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The IAS of the IPC will tell them they are right and that you should pay up because they said so. As you say, not compliant with PoFA but go through the motions anyway to get the paper trail and see if they want to take the matter further.

I will say one thing though, not one of these companies has started legal action when they have been vindicated by the IAS when their determination is at odds with the law or protocols of PoFA. The parking co's are happy to let Gladstones solicitors (IAS in their evening wear) send out a threatogram or two but it has never gone further than that when they have received a rebuttal so it appears that they do know the law but hope you dont.

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  • 3 weeks later...

IAS appeal rejected, surprise surprise.

 

My appeal was based on GPEOL, Non compliance with POFA, plus the fact that one of the passengers on the night in question is registered disabled. They've basically responded to each point saying "we don't really care". Apparently I was supposed to upload a copy of my NTK to prove that it was non-compliant with POFA (rather than for UKCPS to prove that it was), and to provide a copy of my passenger's disabled badge. Of course they don't tell you that until after they've dismissed your appeal.

 

In UKCPS's evidence pack, they did include the contract between themselves and the landowner, which may be of some interest to some people. However I had to tick a box on their website promising not to share it with anyone else, which is a bit of a shame.

 

I'll wait for UKCPS to write to me again and I'll send them a brief letter telling them in no uncertain terms to F-off, and to take me to court if they want their money.

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they did include the contract between themselves and the landowner, which may be of some interest to some people. However I had to tick a box on their website promising not to share it with anyone else

 

More proof they are nothing more than con artists.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I'd share it anyway. What are they going to do to you if you ignore their tickbox? It's not like you owe them a duty that would stop you sharing it.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Interesting. Interesting indeed.

 

I especially liked this part "Authorisation is given subject to UKCPS Ltd acting at all times within the guidelines as set out by the DVLA"

 

As the DVLA and AoS guidelines state that they must act within the confines of POFA 2012..... oops.gif

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 1 month later...

Update!

 

Nearly 8 full weeks after my IAS appeal was rejected, UKCPS have gotten back in touch. I was beginning to think they'd forgotten.

 

It looks like they're skipping the nasty DCA letters altogether and have gone straight in with a 10 day notice before legal action letter. They have also added on £25 to the amount owing (now £125) without stating what this additional fee is for. I have a feeling that'd go against them if it ever went to court.

 

I highly doubt it'll ever go near a court but I'll start getting my evidence together just in case.

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Oh, it will certainly go against them but if the lba is properly written it is always worth creating a paper trail so i would be responding in the way already hinted at earlier.

That you demand "strict proof" of a contract between yourselves and the landowner that assigns the right to make leagal claims in your own name as your contract appears to be witha party that does not have any authority to make such an assignment.

That the demand is not complaine with the protocols of the PoFA and so you as the registered keeper of the vehicle are not liable for any charge.

That the amount claimed is an unlawful penalty.

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