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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.

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barclaycard - paid off March 2012 - sold to Link 2016 - threatened with solicitors 2017 ?


sweenstar
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well you've been here two years and should know better not blindly offer money..

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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Thanks for pointing that out,

 

Yes I was panicked I wanted my credit file finally clear - new slate and all that as I was thinking of moving house or even renewing my mortgage deal I currently have .... they refused it anyway, but the question would be does that constitute as sufficient contact to re start the clock ?

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could do, but only relevant should they try court after what could have been the original SB date that your letter might have reset...

 

 

not going anywhere with no enforceable paperwork mind...:wink:

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 we???

the defaulted date might be that

but the SB date is something totally unrelated.....

 

 

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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Are you saying that I would have to pay them off if I want mt credit file repaired any time soon ?

 

That is the conclusion I originally came to, hence the letter to them but they refused - even though they probably brought the debt for a small amount

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never ever said anything will repair your file...

read your thread..the default is there for 6yrs no matter WHAT you do.

 

 

and again

Pay them..why?

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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Go complete a CISheet and see if those charges make any kind if dent in the alleged balance.

Takes an hour or so to complete but could pop up a surprising result.

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it will disappear on the 6th anniversary of first being in default (FEB 2012) which is feb 2018,

I guess it will appear in the closed accounts section of my credit report ?

 

"and again

Pay them..why?"

 

I wanted to get this done and dealt with so I could start repairing my credit file,

in the hope that it repairs quick enough for me to be able to get a new mortgage.

 

 

It will be next year before I think of moving house but I am preparing for it now....

 

What would be your suggestion on how to handle this please ?

 

Please also can you tell me where to find "CISheet"

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no its not closed, its defaulted and expired IT WILL VANISH.

 

paying DOES NOT IMPROVE YOUR CREDIT FILE.

the debt is defaulted, end off whatever you do cant change that and its effect.

 

you can't 'repair' your file, urban myth portrayed by these stupid companies and card providers.

 

if you have no current running 'credit' of any sort to prove you can pay on time

then a line of running credit would be advantageous.

 

plenty of Barclaycard reclaiming threads to read here

and also you might find one if you click martins username...:wink:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011&p=4273920#post4273920

 

CISheet is in link above, list each charge oldest first, enter date , tyoe if charge and amount.

Use the interest rate they charged you, or an average if it changed over time. The sheet then does the rest for you.

Post it to thread once completed minus any personal info

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Thanks guys, just starting to go through the statements, but unfortunately they only start from April 2008 - I will fill the form out with the info I have but at that point the card was already up to £5500 !

 

Just a little confused what interest rate they used as at the bottom of each statement it states :-

 

Cash interest charged at 1.736% per month

 

Merchandise interest rate charged at 1.313% per month

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we usually use 24.9% is it martin??

we know they cough at that.

 

 

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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Share on other sites

24.9% is the rate for BC as they use this rate for the "initial" card

 

You will need to read sempra metals v hmrc to understand why you should claim interest in restitution.

 

Doesnt matter what the balance was, all that matters for the purposes of this, is does the CISheet provide an amount which will knock a big dent in what they say you owe.

 

You can include default removal in the PoC of any later claim you may make.

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Hello Guys,

 

I have added the amounts as per each statement I have from April 2008 till the last statement they provided (showing transactions) October 2009. I suspect there are a lot more charges added prior April 2008 ....

Barc.pdf

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you cant reclaim cash advance

its not a penalty fee

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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You cant reclaim the cash advance charges, they are legit.

 

You may need to SAR BC to get all the statements from day 1 but as you can already see, it may be the case that they owe you at the end of the day and alot more than they say you owe them!!

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Hi Sween,

 

You can only claim - late charges; overlimit charges; unpaid dd fee.

 

Use 24.9% compound on these fees and just let us know the results look.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Sorry more readable version attached :-

 

Erm I have SAR Barclaycard and this is where I am getting this info from,

but I SAR them in 2014 and they sent info back as far as 2008,

do you think they would keep infomation back as far as 2001 ?

and if so why didn't they send it me in 2014

Barc1.pdf

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Hi SS,

 

We've know the banks keep data way longer than the 6 years they admit to.

 

In the past, folk have threatened BC with the ICO for failing to provide data that we KNOW they hold; they have also taken court action to force disclosure and BC have complied.

 

The question is, Do you think data prior to 2008 would disclose a few; several; or many default charges.

 

Reclaiming older charges using compound interest can make a large dent in a/c balances when using compound interest.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Slick,

 

Many thanks I will SAR them again using the standard template from the CAG library, I have also looked at the tips that Dx has provided and will follow the suggestions.

 

If they do not provide me with all the info I need I may have to "threatened BC with the ICOicon" as suggested.

 

I will update you when I get an update, Many thanks.

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  • 1 month later...

Good Evening all,

 

Despite me requesting Link to send a copy of the original credit agreement I haven't received one yet, but they did say it would take some time as they have to request the info from Barclay card..

 

I did SAR Barclay card, they sent me a letter back acknowledging my request but asking me to be more specific about what information I was looking for (think they are messing me around), Maybe they did not read the bit that stated "all information", I will have to send another letter to them now, any suggestions ?

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just put that this is for your own financial records.

 

 

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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Good evening all,

 

I received a letter from Link today :-

 

We write further to you in relation to your request for account documentation under section 77/78 of the consumer credit act 1974.

 

 

The original creditor has confirmed that they are unable to fulfil the section 77/78 request.

 

Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default.

We have enclosed a copy of the response provided by Barclaycard.

 

If we can be of any further assistance to you, or if you have any questions or queries in relation to this letter please feel free to contact me directly on xxx x xxx xxxx

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HAHAHA link trying to spoof people again

how unusual.

 

 

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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