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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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coppullcaveman1

Asda/Smark Parking Ticket ANPR capture over several visits - wrong true in/out time

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Hello , Recently received a ticket / invoice from smart parking requesting £40.00 etc , you all know how this works right ?

 

on the "invoice" there was a picture of our car entering the car park ( free to use for customers ASDA )

at around 2pm and another picture of our car leaving around 10 pm !

 

Ok on the face of this evidence I was parked there for several hours and they issued their attempt to extort money from me.

 

What concerns me is the fact that we visit the store regularly , sometimes 4 or five times a day ... its really our local shop.

I remember visiting the store in Chorley ,

Lancashire several times on the day they have issued their invoice for

and due to our frequency of visiting the staff know us quite well including security .

 

I strongly suspect fraudulent activity on the part of Smart Parking,

taking the picture of us entering on our first visit and our exit picture from our last visit several hours later.

 

Has anyone else had anything similar where you KNOW your car was not parked for such a long period

and you have visitad a monitored location several times in one day ?

 

It has caused some distress with my partner who suffers from severe anxiety at the best of times

. If I could afford justice I would sue the bleeders..

. but therein lies the problem .

..poor people have been priced out of justice

Edited by coppullcaveman1
spelling

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yes the PPC's that use ANPR - pull this stunt all the time

just goes to prove the ANPR systems are unfit for that purpose.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Date of event and date the invoice hit your doormat please.

 

Post up a redacted copy for an accurate assessment of what your course of action should be.

 

Sorry to hear that this has caused your partner some distress, although why it would I don't know...

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Sorry to hear that this has caused your partner some distress, although why it would I don't know...

 

There is no reason you should know why it would cause her distress , Some people fear official looking demands for money and it can cause real distress. My partner is like this Nuff said on that..

 

I have no problems dealing with this myself I just wondered if anyone else had experienced the same thing with multiple visits to an ANPR monitored location on the same day where they take your arrival time at your first visit and then your leaving time from your last visit hours later even though you have been backwards and forwards several times on the same day

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can you remove the advert please

not allowed here

read our rules


please don't hit Quote...just type we know what we said earlier..

 

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There is no reason you should know why it would cause her distress , Some people fear official looking demands for money and it can cause real distress. My partner is like this Nuff said on that..

 

I have no problems dealing with this myself I just wondered if anyone else had experienced the same thing with multiple visits to an ANPR monitored location on the same day where they take your arrival time at your first visit and then your leaving time from your last visit hours later even though you have been backwards and forwards several times on the same day

 

Of course plenty of people have fallen victim to the fallibility of ANPR cameras.

 

http://parking-prankster.blogspot.co.uk/2014/02/how-parking-operators-use-anpr.html

 

http://www.parking-prankster.com/anpr-technology.html

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Why not just go straight to the top of asda

Put it in writing formal complaint

 

Make it Asda problem to sort out as you are their customer

If need be shop elsewhere


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi,

I have added an ASDA Twitter link to your thread so the social media team may see it.

 

We still need date of contravention and the date the letter is dated as well as they day you received it.

 

As far as my checks have gone Smart Parking took no court action last year however (IMO) it is always worth causing them difficulty by appealing. It may be that they actually investigate the CCTV and spot their error therefore cancelling the charge....but I doubt it.

 

As they are members of the BPA they should give you a POPLA code so that you can appeal to the adjudicator


If you are asked to deal with any matter via private message, PLEASE report it.

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commonly called "double dipping" and smart parking are the worst offenders for this regarding their absolute stupidity when dealing with such matters.

 

 

Dig out any receipts and then bash ASDA with this evidence and point out to them that Smart arent and their ANPR isnt fit for purpose

and that parking contracts work in 2 directions as you are entering a contract and having agreed to something

you are then protected by that contract from being harassed when you abide by it

ASDA have failed to make Smart keep their side of the bargain and you expect ASDA to pay YOU the £40 agreed sum for their breach.

 

That will get them head scratching but perfectly acceptable if you want to take it that far.

 

 

I would, however, expect ASDA to then at least make suitable noises to Smart

and get the tickets cancelled and your reg no put on a white list to avoid a harassment claim.

 

 

Tell them you will settle for that to avoid nastiness.

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It may also be useful to find out who the landowner is (on the assumption it isn't Asda) and complain to them.

 

I read of one place where the British Airways Pension Fund owned the land and set a PPC up to chase. I wonder what they would do if this was publicised a lot more than just on forums


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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