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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. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which 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/Reston's Claimform - old halifax credit card


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Name of the Claimant ? MFS Portfolio LTD

Date of issue – 11th May 2016

 

What is the claim for –

 

 

1.The claimant claims payment of the overdue balance due from the defendant under a contract

between the defendant and halifax dated on or about XXXX and assigned to the claimant on XXXX.

 

PARTICULARS a/c no - XXXXXXXXXXXX

 

Date - XXXXXXX -

ITEM - Default Balance

Value £6200

post Refril - NIL

 

What is the value of the claim? - £6800

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Credit Card

 

When did you enter into the original agreement before or after 2007? After - 2008

 

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. - DCA

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? - Yes

 

Did you receive a Default Notice from the original creditor? - Can't remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Yes

 

Why did you cease payments? - Payments were made to OC via SO and not redirected to DCA. These were stopped at Xmas.

 

What was the date of your last payment? Dec 2015

 

Was there a dispute with the original creditor that remains unresolved? - No, the account has now been closed according to credit file.

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? -

OC was notified of reduced income, all was negotiated direct with no 3rd party assistance.

 

DCA has been sent a CCA request. It is now 16 days.

They have responded advising they don't hold the agreement and have asked OC for it.

 

CPR has been sent to solicitors and they have refused to acknowledge the letter unless I physically sign it.

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usual crap from rectums then.

 

 

don't forget to ack the claim

defend all

on mcol website

 

 

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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probably holding/no paperwork defence.

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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probably holding/no paperwork defence.

 

Ok, great. If they do send through and able to enforce it.

What would be my next option?

I guess I can't stop a CCJ hitting my file?

Are you able to then negotiate monthly payments?

 

Sorry for all the questions.

 

I need a drink.

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we check the CCA return first

you can still avoid a CCJ by a tomlin order .

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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Are you able to then negotiate...?

 

Sorry for all the questions.

 

I need a drink.

negotiation is always available, if needs be.

 

have a drink, nothing needed for you to do on it for tonight :)

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Hi folks,

 

I've sent a CPR to solicitors and they wont do anything as it's not signed.

 

Should I send another and sign it? Just thinking about defense side of things and whether they will use the fact it wasn't signed.

 

Thanks.

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They wont respond even it it was signed ..bar a template response...so don't bother.. just state the fact they have failed to respond within your defence.

 

Andy

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Search for halifax in the cag search bar above, there are hundreds

PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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there are not templates for defences

each is unique to each case and their poc.

 

 

either copy and paste your thread title into the red top toolbar search cag box

or copy a line of their poc into it.

 

 

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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Ok, thank you for the help.

 

I have been searching and looking over lots of things on how to draft a response.

 

 

The part that is baffling me is the POC on the form.

 

 

It's so short, there is no mention of credit card, credit agreement, notice of assignment, default served. Nothing..

.. it's like prestons are deliberately not putting things in so you can't ask for relevant documents in the defence.

 

Just, it's a contract...

 

Should i put in my defence about CCA, notice of assignment?

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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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Share on other sites

Good evening,

 

How does this look as a defence?

 

Particulars of Claim

 

1.The claimant claims payment of the overdue balance due from the defendant under a contract

between the defendant and halifaxicon dated on or about XXXX and assigned to the claimant on XXXX.

 

PARTICULARS a/c no - XXXXXXXXXXXX

 

Date - XXXXXXX -

ITEM - Default Balance

Value £6200

post Refril - NIL

 

 

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

 

2. The Defendant accepts that he has held an account with Halifax in the past

 

3. On receipt of this claim I requested information pertaining to the claim from Reston’s Solicitors and Cabot Financial (UK) Ltd. by way of a CPR 31.14 and a section 78 request dated XXXXX.

 

4.Reston’s Solicitors have refused to accept this request as genuine and refused to respond to further requests without a copy of my signature despite, postal details remaining the same.

 

5. The claimant has failed to supply any supporting documentation.

 

6. It is therefore denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of contract, 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

c) show how the Claimant has the legal right either under statute or equity to issue a claim.

d) Show the alleged account has been terminated in the correct manor.

 

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

 

8. 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 Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.

 

9. 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.

Edited by Andyorch
Particulars added for cross reference
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I would remove your point 5 ...as the claimant is not compelled to disclose pre defence...and you have already got it across in 4 and 6.

 

Rest is fine.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 6 months later...

Hi All,

 

So it's been 7 months with the claim stayed and not a peep from Restons.

 

 

They have now sent me a copy of the signed agreement so looks like they will be applying to lift the stay and proceed.

 

Can I argue about non compliance, do I stand a chance of getting anywhere?

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Appears to be a standard stance doing the rounds were they are inviting all defendants to withdraw their defence or they will apply to strike out your defence......going to be a hefty bill if they do to all claims.

 

Ignore....dont fund their Xmas festivities.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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if you wish

scan up all what they have sent to ONE multipage PDF and well check it for you

upload

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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  • 7 months later...

Hi All,

 

Claimed has been stayed since last December, they have now wrote to me saying that it's currently unenforceable, they will continue to ask for the relevant documents.

 

Should I do nothing or should they be withdrawing the claim?

 

Thanks in advance

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They should be discontinuing their claim.......but stayed is just as good......ignore them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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