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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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koko_loco

Hotel Car Park (trespass) - Parking Eye PCN

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Hi All

 

I have spent the last 3-4 days reading information on CAG, Money Saving Expert and Parking Prankster websites.

 

I've learnt a fair bit :-)

 

I hope someone would be so kind as to give me a little bit of additional guidance.

 

Here are the details from the Notice To Keeper

----------------------------------------------------------------

 

1 Date of the infringement 16/04/2018

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 20/04/2018

 

3 Date received 24/04/2018

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Yes

 

5 Is there any photographic evidence of the event? Yes - ANPR entering and exiting

 

6 Have you appealed? {y/n?] post up your appeal]No, not yet

Have you had a response? [Y/N?] post it up n/a

 

7 Who is the parking company? Parking Eye

 

8. Where exactly [carpark name and town] Cedar Court Hotel, Bradford

 

For either option, does it say which appeals body they operate under.I think it is BPA as the second appeal will eventually go to POPLA

 

------------------------------------------------------------------------------

 

On the Notice To Keeper, under "Parking Charge Information", it says

"On the 16 April 2018 vehicle entered the Cedar Court Hotel, Bradford car park at 10:00 and departed at 17:45 on 16 April.

 

The signage which is clearly displayed at the entrance to and throughout the car park, states that this is private land and that the car park is managed by ParkingEye Ltd. In addition the signage states that, as a hotel patron only car park, a Parking Charge is applicable if the motorist fails to enter their full, correct vehicle registration into the terminal in reception. The signage also contains further terms and conditions associated with this car park by which those who park in the car park agree to be bound.

 

By parking without a valid permit, authorising the vehicle to park, in accordance with the terms and conditions set out in the signage, the Parking Chanrge is now payable to ParkingEye Ltd (as the Creditor)."

 

I believe the driver of the vehicle is classed as a trespasser because the car park is a Hotel Patron Only Car Park and therefore prohibitive to anybody who is not a hotel patron. The driver did not use the hotel facilities at all. From reading other threads, it seems this is a trespass issue and therefore no breach of contract can occur.

 

Also, I do have evidence that shows there is inadequate signage.

 

Since my first appeal will go directly to Parking Eye which will be rejected immediately, I was just going to put "insufficient signage" as my appeal reason rather than the trespass reason.

 

Any advice is greatly appreciated.

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Spot on.

Don’t identify the driver.

 

If the driver couldn’t have lawfully parked there and was a trespasser, there could be no contract to be breached.

The land owner could take action against the driver (not the keeper!) for trespass, but PEL can’t (they lack ‘locus standi’).

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Hi Bazza...yes, I'm trying to put into practice what I've learnt from these forums :-)

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Instead of putting in appeal just yet you could write and ask them for clarification of their claim

[i wouldn't mention their dodgy signage yet-you are on a fact finding mission].

 

Ask them , for clarification, to confirm that if the driver parked there with no intention of being a patron of the hotel would that mean that the driver was being treated as a trespasser.

 

Or if the driver was a patron of the hotel but either failed to enter their registration number at reception or failed to enter their full correct registration number at reception would that mean that they had no valid permit in both cases [despite perhaps staying at the hotel]and would that mean that they were a trespasser too or something else.

 

The driver would obviously want to know the situation they are in before they submitted their appeal in order to facilitate a quicker resolution to the problem and perhaps saving both parties the necessity of going to PATAS.

 

By the sound of it you already know not to identify who the driver was by saying "I" instead of" the driver" for example.

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a little more detail please,

for example was your vehicle visiting on any business and what does the signage at the site say exactly?

Their NTK rather damns then but the actual contact might not.

 

Indeed, trespass is a matter for the landowner but that doesnt stop parking co's continuing to take action even when they know they are wrong because they get the money 94% of the time.

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lookinforinfo, not sure where PATAS come into this!


My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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Hi ericsbrother

Please see the pdf for what the signage says.

To summarise though, at the entrance it says in big letters "HOTEL PATRONS ONLY"

and in smaller letters it says "Hotel guests must register at reception."

 

On the sign inside the car park it says in big letters:

"Patron Only Car Park"

"For the use of Cedar Court Hotel customers only"

 

I have included the small print (terms and conditions) right at the bottom of page 2 of the pdf which can be read from a computer if you zoom in.

 

The reason the car was there was because the driver met up with a colleague from work and they were going to go in one car to Liverpool on work related business. The driver ended up as a passenger in the other car.

 

The driver did not see or notice the signs otherwise would not have parked there. The colleague did not see the signs either and is concerned that he may also get a parking charge notice.

 

Thank you for your help.

cedarCourtSigns.pdf

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Hi lookinforinfo

I'm not sure I want to contact Parking Eye for clarification. I think consumer law says something like, if a notice can be interpreted in multiple ways, then it should be interpreted in the manner most beneficial to the consumer. So the driver intends to go with that.

 

Also, I'm not sure I know what PATAS is. I thought the appeals went to POPLA.

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koko_loco my apologies fro stating PATAS when it should have been, as you correctly pointed out, POPLA.

 

That being said I still think my suggestion is worthwhile.

If you ignore their stupid notices you will have to endure several months of threats from PE, their unregulated debt collectors and their solicitors.

 

If they do not issue Court papers after that, they still have up to six years from the date your car entered that car park to do so.

Far better then to get them to confirm their position early on to the options you gave them

 

without giving anything away on your part. Anything that admits it was trespass straight away gives you the option of threatening them with a breach of the DPA which may stop them in their tracks.

 

If the other keeper does not hear from them it might be worth checking with DVLA to see what address they have for them.

If not up to date it leaves them open to a back door CCJ.

 

And it is unlikely that PE would not be pursuing them since they are notoriously greedy and chase every penny they can get.

Edited by honeybee13
Paras

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let us see the sigange before you write anything, that will allow you to use the correct arguments and set out your stall should they say no.

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Hi ericsbrother, I have attached the signage in a two page pdf in post 7. Please can you have a look at it.

 

Hi lookinforinfo, I dont intend to ignore them. I do intend to appeal. I just need to know the best course of action to take so need a little advice.

Edited by koko_loco
incorrect post number

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Hi All

Just bumping this thread because I have to decide whether I'm going to appeal this one or pay parking eye. If I pay, then Friday is the last day I can get the money to them before the £60 goes back up to £100.

 

Initially, I was confident it was a trespass issue but now... I'm not so sure.

 

Presumably I would have to prove that the driver did not use hotel.

I have emails and texts sent to and from the driver which detail how the car ended up in the car park.

 

The driver was supposed to get a hire car to go to Liverpool through the company that they work for.

The hire car didnt get organised in time so the driver had to make alternative arrangements with a colleague who was also travelling to Liverpool but was coming from Newcastle. He met the driver at Cedar Court because it's quite close to the motorway, so it is convenient.

 

Post 7 in this thread contains the parking signs at the car park if that is of any use and also describes how the driver ended up parking in the hotel car park (due to not seeing the signs).

 

Any help is appreciated.

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Koko __loco whether the charge would be for trespass or breach of contract the advice would still be not to pay.

 

If it is trespass then there is no contract with PE and so you owe them nothing.

 

If it is breach of contract PE never get their cases correct-they make so many mistakes that are fatal to their case without even the need to have a strong defence and they don't take everyone to court who falls foul of their moneymaking schemes

[they couldn't else it would block the Court for months just handling their cases and they don't have to as people pay up just with the threat of going to Court].

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signage not a contract so you cant breach it.

My advice is dont pay them, thye wont beat you in a court claim

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Thanks LoookinForInfo and EricsBrother

 

So, in my appeal to Parking Eye, should I just say...

 

"I am appealing because there was insufficient signage?"

 

and then appeal to POPLA (stating insufficent signage, not a contract and trespass) once I'm provided with a code?

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you dont do anything yet. the signage says hotel patrons only so if you were the registering at reception is not a condition of parking and they cant charge you .

 

However, if you are not a hotel patron then you are trespassing and that means that this is not offer and acceptance of a contract as you can never fulfil the main requirement to form said contract. you cant agree to brak a contract as the only way of creating one.

 

That makes the sigange a deterrent rather than a genuine offer of terms and that means the amount they say they want is an unlawful penalty and not a proper consideration.

 

Also, you wont be appealing , you will be telling them they are wrong and as such you may sue them for breach of the DPA for obtaining your keeper details under false pretences.

 

I will pen a couple of lines on this when I have more time, probably tomorrow afternoon

Edited by honeybee13
Paras

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Hi EricsBrother,

thank you so much for this explanation. It has set my mind at ease.

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Hi All

I have received another letter from Parking Eye. This is what it says:

 

Dear Sir/Madam

We are writing to inform you that the requirements of Schedule 4 of the Protection of Freedoms Act in respect of keeper liability have now been satisfied and as 29 days have passed from the date notice of the Parking Charge was given, ParkingEye now has the right to recover any unpaid part of the Parking Charge from you, the registered keeper.

 

The amount payable is £100.00. This payment is required within 14 days to avoid further action.

 

If this letter is ignored, further action may include referring to a Credit Reference Agency to confirm the correct address, instruction of solicitiors to secure immediate payment, referral to debt recovery or the issuance of court proceedings, all of which could incur further costs which may be added to the amount owed. To avoid further unnnecesarry costs or action, please pay the outstanding charge amount as stated above or make arrangements for the driver to pay, in accordance with the parking terms and conditions. Further information, including how to pay or appeal can be found on the reverse of this notice.

 

Please be aware that on 4th November 2015, the Supreme Court dismissed the further appeal lodged in relation to the matter of ParkingEye v Beavis 2015 UKSC 67. The appeal concerned the value of Parkingeye's Parking Charges and the Judgement, granted in ParkingEye's favour, delivers a binding precedent in respect of the value of the Parking Charge.

The Judgment can be found by visiting....blah, blah, blah

 

The first thing that jumped out at me was they may contact a credit reference agency. I thought that a company/organisation had to have explicit permission from an individual before they could do that.

 

With the new GDPR rules, would the credit reference agency be allowed to release details about me without my permission?

 

Also, since this is a trespass issue between the driver and the landowner (and because no contract was formed between the driver and ParkingEye), I was thinking of sending this letter:

 

"To Whom It May Concern at ParkingEye Ltd

 

This is NOT a letter of appeal.

 

I have received several speculative invoices (parking charge) from yourselves regarding a trespass issue which occurred in the car park of Cedar Court Hotel.

 

The signage in the car park states that it is a "Patron Only Car Park". The main condition of parking states that "hotel patrons must enter their full, correct vehicle registration details...in reception".

 

The driver of the vehicle did not use the hotel at all therefore, there was no contract between the driver and ParkingEye.

 

Since the driver was not a hotel patron, and since the parking conditions only apply to hotel patrons, there is/was no contract.

 

The driver was a trespasser. The trespass issue is a matter between the driver and the landowner. It, therefore, has absolutely nothing to do with ParkingEye. There is absolutely no need for the driver to make any arrangements whatsoever to pay ParkingEye anything no matter how many speculative invoices are sent out.

 

Do not contact me again regarding this matter again.

 

In accordance with the new GDPR regulations, you must now remove ALL data you hold regarding me, as it has been made clear to you that the trespass issue has absolutely nothing to do with you (ParkingEye) at all.

 

I require confirmation in writing that this has been done. You have 28 days from the date of this letter."

 

Please let me know your thoughts.

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They know the game dca holds csl licence anyway

Ignore dont play pointless letter fen tennis


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Surely a CRA cannot give out information to a PC for an unpaid invoice?

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Thanks dx100uk.

 

Sorry for my ignorance but what does CSL stand for?

 

Also, I figured because of GDPR, ParkingEye should not be holding any details about me since this is a matter between landowner and driver (not Parking Eye and the keeper).

 

I just want all my data removed from their records so that I dont ever have to think about this or be bothered by them about this ever again.

 

If they do keep my data (against my instructions) when it is not necessary then they are breaking GDPR regulations and I can take action against them. But, to do this, I have to first inform them of the situation (trespass) and provide them with instructions relating to my data (ie delete it).

 

If I dont do this, then they might bring action against me in 5 years time when I might have lost the evidence that I have that shows that this is a trespass matter.

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If I dont do this, then they might bring action against me in 5 years time when I might have lost the evidence that I have that shows that this is a trespass matter.

 

So, keep the evidence safe somewhere.

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So, keep the evidence safe somewhere.

 

Hi BazzaS, you know what it's like...you put something in an ultra safe place and then cant find it!!! :???:

 

I managed to do this with a bank book. I was having some work done on my house and hid the bank book in an empty box of tights in the back of a cupboard. I turned the house upside down looking for the bank book, couldn't find it. Cancelled it, and got a new one. Found the original purely by accident a couple of years later when I was decluttering! :wink:

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CCL consumer credit licence


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Surely a CRA cannot give out information to a PC for an unpaid invoice?

no the dca


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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