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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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cabot/restons Claim Form - lloyds credit card debt


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So do I deny having a Contract in paragraph 1, with Lloyds Bank, or

 

Particulars of Claim

 

1. The Claimant claims payment of the overdue balance due from the Defendant under a contract between Defendant and Lloyds Bank dated on or about June 13. 1999

 

I deny (to the best of my knowledge??????????) ever having signed a Contract between the defendant and Lloyds Bank

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There are many ways to interpret their first paragraph...read carefully..they do not actually plead that you signed an agreement...just that they claim payment of said agreement between you and

Lloyds Bank dated June 13.

 

If we knew what year and which claimant Orchid then there are many tried and tested responses to reply to that point.

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Thank you it was just the year I wasn't sure of you had referred to the cliamants name earlier in your thread....so what about....

 

1.The Claimant claims payment of the overdue balance due from the Defendant under a contract between Defendant and Lloyds Bank dated on or about June 13. 1999

 

1.Paragraph 1 is denied.The claimant remains in default of complying to my section 78 request dated xxxxxxx and is therefore prevented from requesting any relief or request enforcement of the agreement pursuant to sec78 (6) (a) of the CCA1974.

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Defence

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1 is denied.The claimant remains in default of complying to my section 78 request dated xxxxxxx and is therefore prevented from requesting any relief or request enforcement of the agreement pursuant to sec78 (6) (a) of the CCA1974.

 

2 . Paragraph 2 is denied .I cannot ever recall receiving any Notice of Assignment from Lloyds Bank or Cabot or ever having being approached pre litigation with regards this alleged debt.

 

It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

On receipt of this claim I requested by way of a CPR 31.14 request and a Section 78 consumer credit Agreement Act 1974 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 78 request and remain in default and with regards to my CPR 31.14 request.

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Agreement Act 1974.

 

By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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Copy and paste and submit ...you have just over 15 mins remaining.

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Just as a question, what about the fact I paid a £1 per month to this, will this matter?

 

Only with regards to it not being statute barred....9 mins remaining.

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And relax....

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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  • 1 month later...

Should I have sent a CCA to the Solicitor as well as a CPR 31:14.

The claimants solicitor says they cant send me the information Ive requested as they are not mentioned in the particulars of claim

and therefore the CPR 31:14 does not apply

 

The Solicitor says that although I requested documents in order to file my defence (which I did over 6 weeks ago now)

that they would like to point out that the Particulars of Claim contained sufficient information in order for me to file a defence

 

They needless to say, didn't sent me any info.

 

Ive also had a letter from Cabot saying they hadn't been able to provide me with the information I requested

and that they will continue to ask the original lender and that my credit agreement is currently unenforceable

which means they cannot obtain a judgement or decree against me.

 

However I am still obliged to repay the outstanding balance and I should contact them to set up a repayment arrangement

 

I have stopped paying the £1 monthly payment to them, and haven't paid the last couple of months

 

Is this right, or should I continue with the £1 payments

 

Whats your view on these £1's,

I suppose it means my debts will always be liable with me paying this,

and I can never reach the 7 year no contact rule?

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Should I have sent a CCA to the Solicitor as well as a CPR 31:14. No The claimants solicitor says they cant send me the information Ive requested as they are not mentioned in the particulars of claim and therefore the CPR 31:14 does not apply They always do its a template response

 

The Solicitor says that although I requested documents in order to file my defence (which I did over 6 weeks ago now) that they would like to point out that the Particulars of Claim contained sufficient information in order for me to file a defence.They would state that

They needless to say, didn't sent me any info. Theres a surprise...not

 

Ive also had a letter from Cabot saying they hadn't been able to provide me with the information I requested and that they will continue to ask the original lender and that my credit agreement is currently unenforceable which means they cannot obtain a judgement or decree against me. :-)

 

However I am still obliged to repay the outstanding balance and I should contact them to set up a repayment arrangement....dont rush to do that just yet

 

I have stopped paying the £1 monthly payment to them, and haven't paid the last couple of months

 

Is this right, or should I continue with the £1 payments...your choice...its neither here nor there...but as they are in default of your CCA request there is little they can do to you or the debt to worsen the situation

 

Whats your view on these £1's, I suppose it means my debts will always be liable with me paying this, and I can never reach the 7 year no contact rule? :-)

 

Regards

 

Andy

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  • 4 months later...

Andy Orch please can you tell me

if I filed my Defence back in Oct/Nov last year if it is still valid now?

 

 

I have received a letter from Solicitors today saying they will Strike out my Defence if I don't respond

and enter Judgement against me for the full amount together with legal fees and Costs.

Surely they cant open this up again after 6 months??

 

I thought they had a timescale their end and with the Court?

 

They never sent me the information I asked for above anyway on the Court Papers.

Instead they wrote to me in December and said they didn't know why I was asking for further information.

 

 

They say I should have received this information when I entered into my Credit Card Agreement,

and that if I want to review any of this information I should revisit my personal records

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std willy waving

I take it this is restons?

 

 

next move is theirs

pay the fee and lift they stay.

but ofcourse without any enforceable paperwork they cant.

 

 

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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" I have received a letter from Solicitors today saying they will Strike out my Defence if I don't respond "

 

What do they want you to respond to ?

 

Andy

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They want me to respond to a letter they sent me in December when they asked me to withdraw my Defence by completing and returning the enclosed N9A form within 14 days

 

Needless to say I didn't respond, or fill out their form

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They want me to respond to a letter they sent me in December when they asked me to withdraw my Defence by completing and returning the enclosed N9A form within 14 days

 

Needless to say I didn't respond, or fill out their form

 

:roll: I should hope not.....same with the above :wink:

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  • 7 months later...

Please forgive me but I cant find any old postings on this.

I was pretty sure I have received advice for this one which has surfaced again today.

 

To give some history,

this is an old Credit Card with BOS

- think it was taken out around 1999.

 

 

Think last proper payment was around July 2009,

there after have made some £1 payments. These have now ceased.

 

Back in Oct 2015 I received County Court Papers from Northampton

I applied for CCA from Crabot and CPR 31:14 from Rastoons

 

I responded to Court Papers,

acknowledged them and filed my Defence all within the time scales

 

POC were as follows:

The Claimant claims payment of the overdue balance due from the Defendant under a Contract between the Defendant and BOS dated on or about June 18, 1999 and assigned to the Claimant in July 5th 2012

Total - £9K + Court Fees

 

Received no copy of signed Agreement and have no default notice

 

On 12th Dec 2015,

received letter from Crabott saying they have not been able to provide me with the requested information within the time limit and that my account will remain on hold until they can comply with my request.

 

My credit agreement is unenforceable and they know they cannot obtain a judgement or decree against me in Court.

Blah Blah Blah

 

In May 2016 I received a letter from Rastoons saying they were disappointed I hadn't responded and please can I withdraw my Defence.

 

 

If they don't hear from me they will recommend to their Client Crabot than an application be made to Strike out my Defence and to enter Judgement against me for the full amount claimed together with legal fees and costs

 

I didn't respond

 

In October 2016 I received another

"Without Predjudice Save as to Costs" Letter from Rastoons saying that as I had not withdrawn my defence nor made any payment that their client has asked them to remind me of my outstanding debt

 

They asked for a settlement without need for litigation

 

I didn't respond

 

Today I receive another letter from Rastoons which states that as I have not responded to their previous letter they would like to offer me without delay and in a bid to resolve the matter a reduced sum of half what I owe them. This offer is valid for xxxx weeks only.

 

Depending on what I offer in terms of payment is and the length of time it will take to clear the debt it may be necessary to record any terms of settlement in the form of a Tomlin Order which will be filed at the Court.

 

 

If a Tomlin Order is agreed, the proceedings will remain stayed whilst payments are being maintained in line with that agreement and no County Court Judgement will be entered against you.

 

Please can you advise me what to do next?

 

and also, if my Defence was filed in Oct 2015

how long can this case be open for???

 

Can they just keep reapplying to me???

 

How does this work?

 

Thank you in anticipation as ever

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they are simply willy waving letters

 

 

you ignore them.

 

 

until/unless they lift the stay

pay the fee

and magic up enforceable paperwork.

 

 

they probably have had an expensive xmas dinner for all the phone fleecers at cabots and restons have been told to get some mug to cough up to fund the new year party.

 

 

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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