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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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      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.

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I have never been so shocked in all my life, after hearing about this site from a friend i knew i was being over charged but as with all things i have put it to the back of mind as i quite simply thought i was in breach of my account, and in all fairness felt quite embarrased about my lack of account management skills.

 

Here who dares as they say, i have spent the last few hours calculating my charges and drafting letters so in short i am know chasing HSBC for £1665.40

 

I have drafted the initial letter which will be in the post today and also sent an e-mail, (Just to be sure)

 

Will keep you posted and thank you all for posting all your comments of which i have refered to throughout!

 

OWDOO

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I have never been so shocked in all my life, after hearing about this site from a friend i knew i was being over charged but as with all things i have put it to the back of mind as i quite simply thought i was in breach of my account, and in all fairness felt quite embarrased about my lack of account management skills.

 

Here who dares as they say, i have spent the last few hours calculating my charges and drafting letters so in short i am know chasing HSBC for £1665.40

 

I have drafted the initial letter which will be in the post today and also sent an e-mail, (Just to be sure)

 

Will keep you posted and thank you all for posting all your comments of which i have refered to throughout!

 

OWDOO

 

Best of luck please keep us informed of you progress. :D

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  • 3 weeks later...

Originally Posted by owdoo

14 days gone by and still no response to my claiming £1450 the draft letter tells me to neter th name of the curt i will be going through? which court is this small claims or a local magistrates?

 

eg:This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour.

 

Please help

AAARGGGH:confused:

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i looked at the lba in the step by step instructions and can't see that particular line, 3. Letter before action - Consumer version - asking for it back , but don't worry - i think "and therefore the court".... is just as good. presumably you will be using the mcol - very easy stuff, use this next 14 days to read up on it and get familiar with the site - even log on and get your claim all ship shape with the particulars and all so after the next 14 days you will be ready to pay and submit. when in doubt - read the faqs and then other threads - it will keep you busy til it's time to file.

don't be surprised if you hear nothing from them right up to the claim - this is the norm.

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Originally Posted by owdoo

14 days gone by and still no response to my claiming £1450 the draft letter tells me to neter th name of the curt i will be going through? which court is this small claims or a local magistrates?

 

eg:This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour.

 

Please help

AAARGGGH:confused:

 

Which draft letter are you referring to?

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Livley lad: I found the letter on the GMTV website, is this one ok full letter below.

 

Laterlaus: Cheers i will look into all of that, blimey I have some reading to do!!

 

 

==edited== No personal details please

 

20/11/06

 

HSBC

Customer Complaints

8 Canada Square

London

E14 5HQ

 

 

Dear Sir or Madam,

 

 

 

I refer to default charges applied to my account amounting to £1428.00 plus £237.40, which I have requested you pay back.

I wrote to you on 13.11.06, making the original request for a payment in settlement of my claim. As I have not heard from you I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour.

I have attached a full schedule of the charges with this document. [iNCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF]

I look forward for a full response to this letter within seven days, otherwise I will commence court proceedings to reclaim my money.

 

Yours faithfully,

 

[YOUR SIGNATURE]

 

[YOUR NAME (PRINTED)]

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erm a bit stuck, I am preparing a claim throgh mocl on line or at least reading up n how to claim and the letter to the court has to refer to a person or persons i am claiming against. I don't think MR HSBC is acceptable!!

 

Any help greatly appreciated.

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Livley lad: I found the letter on the GMTV website, is this one ok full letter below.

 

Laterlaus: Cheers i will look into all of that, blimey I have some reading to do!!

 

HSBC

Customer Complaints

8 Canada Square

London

E14 5HQ

 

 

Dear Sir or Madam,

 

Re. Account number:

 

I refer to default charges applied to my account amounting to £1428.00 plus £237.40, which I have requested you pay back.

I wrote to you on 13.11.06, making the original request for a payment in settlement of my claim. As I have not heard from you I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour.

I have attached a full schedule of the charges with this document. [iNCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF]

I look forward for a full response to this letter within seven days, otherwise I will commence court proceedings to reclaim my money.

 

Yours faithfully,

 

[YOUR SIGNATURE]

 

[YOUR NAME (PRINTED)]

 

Ok that letter is crap, it has no substance to it. Use the letters from the template library. The letters and information on this site is the best you can get. Submit the LBA to your bank and you need to give them 14 days to comply. :D

 

Be careful what you post regarding personal details.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

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Thanks once again in your opinion should i include the following?

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.:eek:

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Only if that's what you intend doing owdoo.

 

BTW I've noticed your name is showing in post #6, did you not want to delete it for anonimity?

 

When you raise your claim at MCOL you don't need to put an individual's name, just HSBC Bank plc.

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If you scroll up to your first post on this thread you will see in the top right corner the number 1.

scroll back down until you see post no. 6. you can edit it by clicking on the edit button in that post.

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Oh I see no i just copied and pasted a leter without thinking the guys on the ste deleted my personal details whih was pretty good!

 

Will keep you all posted just sent this site through to a load of friends who are in the same position and they are getting on with their claims already!

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Letter below about to go in the post, will keep you all posted.

 

 

 

HSBC

Customer Complaints

8 Canada Square

London

E14 5HQ

 

 

Dear Sir or Madam,

 

Re. Account number: xxxxxx Sort Code: xxxxxxxx

 

I am very disappointed that you have failed to respond to my letter of the 13/11/06.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £xxxxx plus £xxxx which you have charged me in overdraft interest for the sum which you have taken. Total £xxxxx.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 13th November 06

 

I require repayment in full of this money; if you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

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  • 3 weeks later...

AAAARRRGGHHH.... this is so frustrating not a phone call or a letter last letter sent over 14 days ago now!!

 

I cant believe they had the audacity to call me and ask me how my business account was doing i havent used the thing for 2 years untill last month when i put some money in it!! and they haven't called me in all that time!!

 

Wha o i suppose i go through the online claming forms!!?

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Can anyone help, I am in the procss of reading through MCOL I have not heard a thing from HSBC..... would it be advisable to call them and le them know what i am doing to see if they would like to settle out of court?

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no, if the time you gave (14days) is over - just file. they seldom make a move before you do. just go through the step by steps and file your claim - you will find the mcol very easy to register and follow through, get it submitted as soon as you have your particulars the way you want them.

once you file - the courts will notify the bank

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  • 2 weeks later...

Hi people hope you all had a good Christmas!

 

I am in the process of going through my claim on-line and I am on the page where i enter my particulars of the claim, are there any templates for this on the site, also since i wrote my first letter I have once again been charged can I/should I claim for this? and if so shall i put this in the courts claiming subject?

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OK they were true to their word and i got a letter this morning offering me £1355 against my origional claim of £1428 + £237 interest, however since this time i have recalculated including the interest and started the proces o my claim through MCOL although I have not as yet processesed it as i dont have the £125 for the court fee at this time.

 

I am tempted to respond to HSBC's letter is this wise?

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