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    • Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • Thank you fkofilee First question: what do I do if Monzo close my account? I need an account but no one will touch me with this marker against me. Is there anywhere/any other option that I have if Monzo close my account? MCB is My Community Bank?  Yes What Category of Marker do you have? This is what it says on the Cifas SAR: Application date: 07 December 2023 Date recorded: 09 April 2024 Expiry date: 09 April 2030 Cifas Case Identifier: 15435315 Product relating to the application, proposal, account or facility: Personal Loan – Unsecured Facility: Granted Case type: Misuse of facility Reason(s) for filing: Evasion of payment Financial Loss Value of Loss: £5000.00 When did you raise the complaint? Last night via email Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan? I can prove that I had to buy a new washing machine, I have my pay slips showing the emergency tax code and a letter from the tax office after I had spoken with them to get it corrected and of course I can get a copy of my vet bill. And all of this was in the first 2-3 months of 2024.  I panicked. Stupid I know and as you say, I have learned the hard way and I am not in any way denying anything that I have done wrong, but it just feels a bit unfair.  It is what it is I guess and if I have to have it on me forever then so be it. I am just so worried about the bank situation 😕    
    • If it is MCB    National Fraud Database Members | Preventing Fraud Losses | Cifas WWW.CIFAS.ORG.UK A range of organisations use the National Fraud Database to share data on confirmed fraud cases, preventing over £1 billion in fraud losses every year.   They are on the register  
    • Hi @LilMissM   I guess you could call me our resident CIFAS Specialist - Personally have been through all of what you have and now have come out the other side when my marker fell off in May 2023. For a start Monzo may close your account but as I had a Marker for App Fraud (Vodafone ended up making a whole hoohah of the account I had with them) - I was with them and still am from Oct 2017 till today. And not once did they close my account. I actually spoke to a couple of current account providers at the time that I had accounts with - Nationwide and Barclays - Told them what was going on and provided all the evidence to them. They advised they may do so but it was highly unlikely now that they understood why it happened and what I was doing to fight it.    Anyway - On to your marker. MCB is My Community Bank?  I can say to you that on experience that On Monday you can be on top of the world then on Tuesday you whole life changes in a flash of an eye. Suddenly you cant pay your bills, Work isnt feasible and you are left with no other choice but to scrape by.  If this has happened to you, then join the club.  - Why is this important? Well Financial institutions get one whiff of potential fraud and you are guilty without a chance to respond. You found out the hard way   If it sounds like I'm waffling, I'm not - Its important to your issue. They have deemed you guilty by the fact that no payments have been made and potentially entered into a loan agreement knowing looking not to pay (Although thats how it may appear, there will always be factors against that)    First off - Questions - What Category of Marker do you have? If unsure, check my signature for a Credit File Guide which will tell you all you need to know about what Categories apply.  - When did you raise the complaint? They will have 8 weeks to respond. More on this in a mo.  - Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan?   My next suggestions, Send this complaint to the CEOs office - CEOEMAIL.COM Let them make the decision as per the Complaint Procedure. Then if they refuse to remove the marker. take it to the FOS who can force the company to remove it if found in favour.  Some companies do need a slap or 2 once in a while to bring them down a peg. You could be looking at this right now.   
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UKPC 06/04/2018 windscreen PNC claimform- residential parking in my own space - forget permit ***Claim Discontinued***


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Hi

 

I am hoping someone can give me clarification and how to approach as there is a lot of info out there and not sure if regulations have changed.

 

I live in a block of flats where I own a flat and dont rent and have a designated parking spot. Stupidly I didnt stick my permit to the screen and just let it rest on the front and it must have fallen off. Regardless it went missing and last Friday morning at 6am I received a parking ticket from UKPC.

 

I am not sure how to approach and whether I should email UKPC to appeal and explain my situation and hope they take some sympathy.

 

Would appreciate any advice.

 

Thanks

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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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1 The date of infringement? 06/04/2018

 

2 Have you yet appealed to the parking company yet? [Y/N?] No

 

3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Not Applicable

 

4 If you appealed after receiving the NTK, Not Applicable

 

5 Who is the parking company? UKPC

 

6. where exactly [Carpark name and town] did you park? Not a carpark, it was in my designated space outside my block of flats in South Harrow

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Your ownership of the flat probably gives you supremacy of contract over the UKPC clowns as your space is designated. Who employs the PPC, council, or managing Agents?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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await the NTK before you do anything

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 once lived in a property with one these 'designated parking spaces' and it turned out that you actually bought the parking space with your property so it was owned by you.

 

Worth checking your deeds to see if that's the case then you can laugh at any PPC invoices.

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It's flats so I assume you own it Leasehold?

If you own the flat leasehold any 'ownership' of the designated parking space is likely to be leashold as well, and therefore the use of it subject to conditions in the Lease (if there are any). So you also need to check what the Lease says specifically about the parking space.

 

I dealt with this recently for my mother and when I read the Lease closely it did say that my mother had the right to park in her designated parking space but went on to say "providing that the leaseholder complies with the rules for the use of the parking space issued from time to by the freeholder"

- something on those lines, can't remember the exact wording.

 

What that meant in practice was that the freeholder had the right to implement a parking scheme at the flats that required parking permits to be displayed and take action if it wasn't.

 

Whether the freeholder's scheme actually complies with the lease, and whether the parking contractor has complied with the freeholder's scheme, and whether the signage is clear etc, all that has to be established in the normal way of course.

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Thanks for the advice all. I will check my paperwork today from the completion to see if I can find anything.

 

Yes thats correct, I own it leasehold.

 

My understand it the managing agents employs them, as they are the ones I used to get my permit.

 

There is clear signage, and it is completely my fault, I just hope that common sense prevails as no one has lost anything by me parking my own spot and it was an honest mistake. I will get it stick to the windscrew once my replacement permit arrives.

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PPC's don't do common sense. Never have and probably never will. There's no profit in common sense :|

 

 

However, if your lease gives you the right to park in your space, there are plenty (and I do mean plenty) of persuasive cases online should UKPC decide that they'd quite like to waste some money and take you to court over this.

 

Let's wait an see exactly what the lease says first and then we can go from there. And as you've already been told, do absolutely nothing as regards to contacting UKPC until a NtK lands on your doormat.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Ok thanks DragonFly

 

I guess the only reason I want to contact them know, rather than when the NTK arrives, is that if I appeal now then they will freeze my 14 day period for the fine, meaning that I would have to pay £60 rather than £100 after this 14 day period.

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where does it say FINE please?

 

and you wont be paying anything anyway so no need to appeal now.

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 thanks DragonFly

 

I guess the only reason I want to contact them know, rather than when the NTK arrives, is that if I appeal now then they will freeze my 14 day period for the fine, meaning that I would have to pay £60 rather than £100 after this 14 day period.

No no no, you don't want to ID yourself as the driver at this stage.

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 OTHERS

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

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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meaning that I would have to pay £60 rather than £100 after this 14 day period.

 

Well, you really have 3 choices here.

 

Pay £60.

Pay £100. Or

Pay £0.00

 

Personally, I know which one I'd choose, but I suppose it's your money :lol:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Hi

I agree with everyone here (so far) If you appealed now, you will have identified yourself as the driver which then gives the parking company up to 6 years to chase you. This is why we say wait for the NTK.

 

Please read your leasehold agreement thoroughly, especially regarding your parking space. A lot of management agencies make these contracts with parking companies without knowing the rules.

 

Were there any parking restrictions when you moved in or were they introduced afterwards? If it was the latter, did the management company consult the tenants?

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Where I was located the company that managed the leasehold properties employed a PPC without anyone's knowledge including the lease owners.

 

We all started getting PPC invoices (not fines) and they even sent them to me as I did not have a parking permit in my car because I didn't need one.

 

My parking space was tacked onto the end of a row of spaces for the leasehold flats but I lived in the house on the end of the next terrace.

 

Here is a map link and my house is the one with the wheelie bins up against the fence and my parking space is the one in the row nearest the wheelie bins

 

https://www.google.co.uk/maps/@51.5657076,0.1244451,3a,75y,202.45h,81.97t/data=!3m6!1e1!3m4!1swaTdartzsBjrMZDskpMNaA!2e0!7i13312!8i6656

 

This estate was built in 1985 (usual crap 1980's timber framed rubbish and poor estate design) and I lived there from 1987 to 1993 and the PPC never stopped in that time.

 

I owned my home freehold and I owned my parking spot as well, named and shown on my deeds as private owned property.

 

The PPC did not care about that though, they carried on trying to claim money from me for parking on my own land.

 

This was before POFA though so it was easier to just ignore them which I did and I built up a pile of their invoices and begging letters and threatening letters.

 

POFA or not the PPC and Property Management Company cannot agree any contract which trumps your lease or freehold.

 

Read that lease, make sure there is no mention of a parking management scheme and then come back here with the information.

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Here you go dbuck, have a little light reading :wink:

 

http://parking-prankster.blogspot.co.uk/search?q=ukpc

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Hi All

 

Thanks for sending the link DragonFly

 

I managed to find the lease.

 

In the first few pages I came across the below section which I have attached. It says that the property is my flat together with parking space.

 

Is there anything else I should look for, there was a lot of stuff int he lease. Couldn't find anything about them hiring UKPC or equivalent.

 

Thanks

 

lease extract.pdf

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Nothing else is needed. You now have everything you need to beat these clowns.

 

But, you may as well have some fun doing it :wink:

 

 

Sit back, relax and allow them to waste their money sending you demand after demand, and then begging letter after begging letter. Let them get all the way to a Letter Before Action, and then you go back and start to wipe the floor with them.

 

The only way that they'll ever learn is through defeat after defeat, in court if necessary.

 

You have supremacy of contract. They have nothing but hopes & dreams. :lol:

 

 

Edit to add: I've unapproved your attachment, it basically has your full address on it. Might be better to cover those parts and then upload it as a PDF file :thumb:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Appreciate all your help.

 

Great will report back as the letters chasing start to come through.

 

You say they need to learn in court, but even if I am likely to win I dont want to go to court just on the off chance. Is this likely to get all sorted before that?

 

In the meantime I should have my replacement permit arriving so at least I can avoid any more of these tickets.

 

The address that was on the attacment is for the management company so all good.

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In a world of common sense, you'd certainly hope that they'd realise that they've made a goof and cancel the ticket. However, when you're dealing with a PPC (any of them) common sense is in VERY short supply. I think they keep it in a locked drawer and have lost the keys!

 

The only thing that you can do to (hopefully) stop them taking you to court is to appeal once you get the NtK. You have very good grounds for an appeal, but you really don't want to identify yourself as the driver (hence waiting until you receive the NtK) as that only removes any protection that you get from the POFA 2012.

 

As I've said though, common sense and PPC's are not often bedfellows, so they *might* still want to try and get the money out of you, ultimately at court. But, there's not really an 'off chance' of you winning. You'll beat them hands down and would also have a good case for a counter claim for their trespass in to your parking spot and their breach of the Data Protection Act, plus your costs.

 

All in all, could be a grand day out and all at their expense :lol:

 

:thumb:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Hope you all had a nice weekend.

 

Just to add to this. I now received another parking ticket even though the management company told me they put me on an exempt list till my permit arrives. Cant say I am suprised. Will just wait till I get the NTK form and then take it from there.

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You can always count on UKPC to keep your hamster supplied with bedding :lol:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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That will coat UKPC anohter £4 to process for no reason whatsoever. Let the management co you are thinking of suing them for trespass because they are the ones who allowed these bandits onto the common parts. The persuasive case is Davey v UKPC so rub their noses in it and let them know it will be about 10 grand out of their wallet if they dont get their act together and stop UKPC's appalling behaviour

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  • 3 months later...

Hi All

 

So further to the above, finally after a few months I received some communication from UKPC. A letter in the post Re: Notice to keeper as the subject.

 

Should I ignore this or not?

 

Any help appreciated.

 

Thanks

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