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    • Sorry about making  a post too early. I should read other consumers forum threads before.  I am doing it now, because they are a lot of similar ones;
    • It already is epidemic. perhaps he meant the next stage ... pandemic.   https://www.cdc.gov/csels/dsepd/ss1978/lesson1/section11.html   media existing to sell newspapers / advertising space / looking to get viewer numbers ... who’d have thought it.   The media has a responsibility to give decent advice : appropriate concern rather than generating panic.
    • Latest update:   He managed to get through to BC before they closed earlier this evening. Last payment of £175.00 was 03/02/2014. Issue date for the claim 30th Jan 2020   Is he skewered? No supporting paperwork?   CCA and CPR waiting to go.   What next?   Thanks   stephenXL
    • Hi,   I'm looking for advice regarding a court claim being made against me by Erudio regarding an old student loan. I've received a claim through the Scottish Simple Procedure process for almost £4000 regarding a loan taken out in 1999. The original loan would have been for approximately £1800 to my best recollection.   I can't say for certain at the moment (will need to call SLC to verify) when the last time I deferred was - it was a long time ago and I've no recollection of sending anything at all to Erudio at any point, nor was I aware that they required a deferment form as well. I had been paying off my other student loans taken out a few years after this one (04, 05 and 06) through my earnings to the SLC even though I was under the repayment threshold at the time, and I've only earned over the repayment threshold for just over the past 2 years. I was happy enough for paying them off in this manner so I had never felt the need to continue to defer with the SLC, and never really paid much attention to the statements sent by Erudio as I'd incorrectly assumed that they would be paid through this manner as well. At this point, I have recently received a letter from the SLC stating that my loan repayments are coming to an end very soon, but it would appear that this hasn't made any payments towards the loan that Erudio have taken over.   I've been reading through the topics posted over the past couple of weeks for and reading about others in similar situations to try and ascertain the best plan of action.   Particulars of claim: (copied directly from the claim, account numbers and monetary values redacted)   Name the issuing court: Edinburgh Sheriff Court   Who Is The Claimant: Erudio Student Loans   Who Are the Solicitors: Shoosmiths LLC   What type of action? (Simple/Ordinary): Simple   Section D1: The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement ("the Agreement") between claimants and Student Loans Company ("the Original Owner") dated 22/11/13, the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due at the date of agreement, and in particular in relation to the the contract hereinafter condescended upon. The said assignation was intimated to the defendant by way of written notice on or around 22/11/2013. The agreement between the respondent and the original owner upon which this action is based was regulated under the Consumer Credit Act 1974. Further information in relation to that agreement is contained in section D$, where we set out the sums due and the basis upon which they fell due. As at the date thereof, the sum due in terms if the said agreement amounts to £xxxx.xx.   Section D4: The said contract agreement between the Original Owner and the respondent is a regulated credit agreement in terms of section 189 of the Consumer Credit Act 1974. It is also regulated by the relevant Education (Student Loans) Acts and related regulations. It is dated 26/10/1999, and relates to a Student Loan Agreement with the account number xxxxxxxxxxxxxxxx. The said agreement required the respondent, following completion of their course of study, and upon meeting certain conditions relating inter alia to their income , to make payment of the sums due by the way of consecutive monthly installments. The said installments were required to commence in the April following the respondent meeting certain income criteria and were to be based upon a percentage of the respondent's income over the said threshold amount. It was a term of said agreement that a failure to meet any installment on a due date would render the account in default and would entitle the claimant to serve a notice of default on the respondent requiring the respondent to remedy the breach within 14 days which failing the claimant would be entitled to demand repayment of the loan in full. On or around 22/04/2019 the respondent failed to make payment of the sum which had fallen due and the said account thereby entered into default. A default notice was issued to the Respndent on 22/04/19. The Respondent failed to remedy the default following upon service of the said notice and the account was terminated in accordance with that notice. The account remains in default. The sum due in thereunder is due and payable now. As at the date hereof, the sum due in the terms of said agreement amounts to £xxxx.xx. In terms of the Agreement, and the written notice hereinbefore condescendedupon, the right to receive payment of the sums due in terms of the said account vests in the Claimant.   Date of raised claim [or court stamp date from writ] :- 23rd Jan 2020   Last Date Of Service [or from form 07]:- 17/02/2020 - this was delivered before then.   Last Date For Response [or from form 07]:- 09/03/2020   What Documents are listed in Box E2:[or in your form requesting the same?] A copy of the credit agreement, statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- Student Loan     BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ] I want the court to order the respondent to pay me the sum of £xxxx.xx …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? After 2007, started the course approx 1998, loan taken out 26/10/1999 as per the info they gave me   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.:- Debt purchaser (Erudio), Shoosmiths LLP   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not to my recollection although I was aware that Erudio had been sending statements regarding a student loan   Did you receive a Default Notice from the original creditor? Possibly but not to my knowledge   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Possibly but not to my knowledge   When was you last payment:- Uncertain, will need to confirm with SLC if payments made towards this loan, no payments ever made to Erudio to the best of my recollection   Why did you cease payments:- Was paying off student loans through earnings, never realised that this one was being treated seperately   Was there a dispute with the original creditor that remains unresolved? Not to my knowledge, SLC had taken payment through my earnings even though I was below the threshold as I hadn't deferred but I was happy to proceed with this.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     From the previous advice given, I'll get the CCA request done and also the CPR 34.14. The amount claimed seems very high and I've got no breakdown of how they have come to this figure. I've also been reading through the threads about how to set out the defence - the PercyPercy thread is of particular interest as there are similarities between the two, as I never gave any paperwork sent to me due attention and have ended up in this situation as a result.   Thanks in advance, and I'll supply additional info as quickly as possible if required.    
    • Hi everyone    I received a ParkingEye claim form today that was issued on the 24/02/2020.   I'm not sure what info I need to upload on a parking charge claim form so I’ll upload the form and wait for instructions.    Any help much appreciated    Andrew      Claim Form.pdf
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OPS/Gladstones ANPR PCN Claimform - Broadwater Street West in Worthing, West Sussex

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Hello all. First of all thank you very much for supporting this website. It has given me some hope in what to me appears to be a very dishonest situation.

 

Summary

 

PCN received after stopping for 12 mins at the entrance to a P&D car park in which ALL 4 Spaces were blocked by a wooden pallet each with a notice saying the road was too narrow for parking and emergency access.

 

Details

 

Broadwater Street West in Worthing, West Sussex is a short, narrow L-shaped side street running along the side of Starbucks and to the left behind it and other buildings, giving access to lock-up garages and waste bins. It has 4 parking spaces nose to tail running from the entrance of the road.

 

My passenger had a painful case of cystitis and needed to use the loo. Thankfully we saw a Starbucks and from the main road it looked like there were parking spaces free in the side street next to it. After turning into the street and letting my passenger out, I saw that each of the parking bays had a wooden pallet in them preventing their use. In addition there was a sheet of paper on the wall to the side of each space saying that access was required at all times in case of emergency, bin collection and deliveries and that the road is too narrow for parking cars and through traffic. This is certainly the case.

 

Having entered this narrow street the only way out was too drive to the end of the L where there is just enough space to turn around and then drive back to the entrance. Unable to park I waited just short of the main road for my passenger to return. Although I had fully intended to pay, with it not being physically possible to park let alone legal, the whole place gave the appearance that parking was at least suspended if not cancelled. Hence it never crossed my mind that I would be penalised for stopping there. There is of course no one supervising to tell you.

 

My passenger could have just run in to Starbucks, used the toilet and run out but being polite she chose to buy some tea. We had just left the vet after having spent an hour talking to one of their very kind nurses about the loss of our dog which has been heartbreaking. It was a very emotional time and with the cystitis as well I couldn't drive off and leave them; stopped by the entrance I could at least clear the road if for example an emergency vehicle required access.

 

They returned after approx 10 mins and we left.

 

What Happened

 

PCN received for "Failing to Park Within a Marked Bay". Given the situation described above where I was physically unable to park in a marked bay, let alone do so without blocking emergency access I thought it was a [problem] and a quite ludicrous one at that. And for this reason I have not contacted One Parking Solutions.

 

I have since received a letter from ZZPS Limited saying my unpaid PCN has been passed to them to resolve. The balance owed has now increased to £170. They have quoted Parking Eye v Beavis as a recent Supreme Court Ruling. I have spoken to them and they said I was parked for 12 mins. If I do nothing the matter will be passed to their solicitors.

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Can you please copy and fill this out with your own answers?

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?462118-Have-you-received-a-Parking-Ticket-(1-Viewing)-nbsp

 

All of the emotional stuff is largely irrelevant so just stick to the facts - you went to park, the parking spaces were occupied by pallets, therefore you were unable to park in a marked bay and was not actually 'parked' as such?

Have they provided photographs of you in the area? Would they support your assertion that the pallets were occupying spaces? Did you not notice anybody taking phoitos - did they issue a ticket on site or only via the post?


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Hi Sidewinder

 

They have a camera installed that took a photo of the car "parked" at the entrance to the road. That photo only shows my car parked at the entrance to the street, so no pallets in that photo.

 

They've also said that they have others available to view n their website, maybe they will show the pallets? I do have recent photos showing the pallets and the notice about access.

 

The first I knew about it was a letter in the post.

 

Just to confirm, it's a Parking Charge Notice delivered by post.

Will fill in the form.

 

Thank you!!!

 

Here is the form you requested

 

[

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Thanks - for ease of reading:-

 

1. Date of Infringement - 4th May 2018

2. Date on the NTK - 11th May 2018

3. Date Received - Unknown as not signed for.

4. Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No

5. Is there any photographic evidence of the event? Yes, via onsite camera. Photos available

online via their website (in addition to the one in the PCN)

6. Have you appealed? No

7. Who is the parking company? One Parking Solutions Ltd

8. Where exactly? Broadwater Street West P&D, Worthing BN14 9DE

The letter informs how to appealing to themselves and “if OPS deem your appeal

unsuccessful, you will be informed on how to appeal POPLA”.

They have BPA and BPA Operator Approved logos at the bottom of the PCN.

 

OK - one of the parking experts will no doubt be along shortly, but even I can see holes in this, not least that they cannot identify who the driver was (so make sure that you do not do so!) so their NTK would not seem to be PoFA compliant

 

Can you post up a PDF of the letter, with all identifying marks, codes etc redacted?


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Long thread title shortened

Numerous consecutive posts merged


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

 

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Parking Charge Notice (redacted)

 

ZZPS Letter

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We need a multiple page pdf document I'm afraid, or people will be downloading for ages. Our upload guide will help you.

 

 

HB


Illegitimi non carborundum

 

 

 

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yes read upload

pop everything in one multipage PDF


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

 

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Oh man that ZZPS letter is a gem! It might just as well have been written in crayon by a four year old. They refer to the Beavis case with no context or reason why it is relevant - just that 'we say so' and that 'somebody' has added a clearly unlawful £70 'administration fee' to the PCN amount

 

The letter from the PPC also tells you that they can pass liability to the driver but with no mention of the relevant authority

 

Might be an idea to grab some photos of signage if you are local

 

Parking isn't my forte - but I have no doubt that somebody will soon advise your next steps. Fortunately it does not look as though this organisation 'does' court, but you may need to put them on notice that should they be silly enough then they will end up out of pocket, but don't do anything unless and until a wiser one than I tells you what to do!


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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we really need to see the original letter they sent as it must cntain certain information and include certain key phrases otherwise it doesnt count for anything.

 

 

I would alos say that what they have as so called evidence isnt validas the sigange must be clear on what is offered and a piece of paper saying thta you cant park because of the bin lorries isnt a contract to park!

also we need more detail on exactly where the event was because Broadwater St West is the A24 not a narrow private road. However, I think I have found it on Google spyonyourneighbour so please confirm.

 

 

From what I can see there is NO signage at the entrance to the land, the marked bays are the best part of 100yds from the entrance so any signs there may as well be on the moon as far as a collateral contract goes.

Ignore ZZPS, they have no interest in anything, thye get paid to write silly scary letters

 

 

So, show us the original NTK and we will pick holes in that. In the meanwhile dont speak or contact anyone about this, you can probably bury them by their own outpourings. At ther moment it is all going your way and I cant see it changing but that doesnt mean they will drop the matter just because they are wrong, the only way most parking co's make money is by lying

Edited by honeybee13
Paras

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Hi Ericsbrother. The original NTK is the first pdf of the 3 in the merged post above. That has been their only communication with me; the NTK does say that other photos are available on their website - is it ok to look at them? They can only be from the same position as there is only one camera there.

 

There isn't any signage at the entrance to the land and it certainly isn't obvious that it's private land. I have returned to the site and will attach the photos in a (merged) document below and include the exact location including the positions of the parking bays on a map.

 

Thank you!!

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your images have been hidden, presumably because you left in information that will identify you such as a bar code or reference number. When it first went up I only saw the ZZPS header.

 

Would I bother looking at their images?

Not really, they can only show then if you use the reference number to get to it and as they are incapable of being able to identify the truth I wouldn't believe any assurance you got from their privacy blurb about accessing data.

 

You could annoy them and ask for copies of any data they hold on you as they have now indicated that they do and that you will be seeking a correction of any erroneous data they hold.

 

Do this after you get a little more certainty of the strength of your position and then you can give them the run around at their expense. Same goes with ZZPS if you wish but leave that for a while as they wont have much yet.

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Here are the combined original documents (at least, I think this was all of them)

OPS-ZZPS Binder1.pdf


We could use your help

PLEASE HELP US TO KEEP THIS SITE RUNNING

 

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.

 

If I've helped you at all, please feel free to click on the little star under my posts and leave feedback :)

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Hi all. I'm really sorry but I've been trying to create a single merged file and ended up creating a monster...

 

It's 113Mb and was too large for the upload section so I deleted the files I already had in there.

 

On top of that I've had dreadfully slow internet all day so couldn't upload the monster.

I will try again now in the post below.

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Single merged doc including photos from a visit on the 16th June 2018. Thank you for your patience

 

 

Somehow, only 9.6Mb now!

docs.pdf

Edited by KaBoom!!!
Improved image quality

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the NTK is not complaint with the POFA and so no-one owes them money for anything

That is without arguing over the non-existent signage and whether they have any authority to do anything.

 

The signage doesn't say anything about paying these bandits £100 for breaching any non-existent terms so they dont have a hope in hell of collecting a penny via legal action if this is pointed out in a defence.

 

Likewise the sigange lacks everything that the law requires as far as information about who you are making a deal with and so forth, really the worst parking sign we hae seen for a while.

 

As you have only got as par as meaningless threatograms I would ignore them but when you get the next stage threatogram, most likely from the worlds most brilliant (at losing ther clients money) solicitors, Gladstones ( owned by the same people who own the IPC)

 

so when you get to there we will suggest a few words to send them regarding the poor advice the IPC give to their mambers o how to write a sign so it fulfils the requirements of simple contract law, somehting even a simple solicitor should be able to do. Even GCSE law is more rigourous than their efforts.

Edited by dx100uk
spacing

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Thank you everyone for your help so far,

 

I have now received another letter from ZZPS saying that they will be passing "this account" to their solicitors QDR Solicitors Ltd.

 

And the fee for that will be £30.

Letter 26th June 2018 R.pdf

Edited by dx100uk
Spacing

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So, one company that has no rights over the (alleged) debt has passed it to another company that has no right to the debt who are about to pass it to a third company that will have no rights over it either.

 

Jolly good :lol:


We could use your help

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Please note that my posts are my opinion only and should not be taken as any kind of legal advice.

 

If I've helped you at all, please feel free to click on the little star under my posts and leave feedback :)

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as DF says,

it isnt theirs to pass on so they cant add anything.

 

they are hoping that you will think that by the time it has been twice around the block the total will be hundreds and hundreds and you are scared into paying up before this happens.

 

Well, father christmas doesnt exist- now that means you dont have to be good anymore as nothing worse can happen.

 

QDR wont be in a hurry to do anything other than send you another scary letter as they have no client who has any cause to do more than that and they dont want to get into trouble with people who know the difference.

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Scary letter has arrived - will update when I get home in a few hours

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good, we could do with a laugh to get us through these cold wintry nights.

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Removed name and reduced document size.

 

 

QDR obviously don't have a clue. They haven't even used any red ink. Amateurs! :lol:


We could use your help

PLEASE HELP US TO KEEP THIS SITE RUNNING

 

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.

 

If I've helped you at all, please feel free to click on the little star under my posts and leave feedback :)

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From the above letter, I did not realize that if a CCJ is obtained, that the subject would no longer be able to LEND monies!!!


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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you could try writing something like this

 

Dear QDR,

I am in receipt of your threatogram relating to a "debt" of £182.

 

Please note that this amount began as a highly debatable speculative invoice which has been tampered with by an unregulated debt collector to reach a grossly inflated figure which would be laughed out of Court.

 

As you should be aware, this spurious claim by One Parking Solutions has so many things wrong with it that I am surprised that any reputable solicitor would touch it with a bargepole.

 

If in doubt I suggest you take legal opinion before taking any further action and might I suggest you bring yourselves up to speed with POFA to give you just one clue as to where this PCN has no hope of success.

 

I am aware that the SRA handbook demands that solicitors act with integrity ,

do not get involved with parties committing perjury

nor misleading or attempting to mislead the Court and suing people where the Courts have already thrown similar and identical cases out of Court.

 

I have retained your original letter and any further letters from you will be filed with a view to a complaint to the SRA should you think fit to take this mischievous case to Court.

 

It has no chance of a successful outcome for your client and doubts would surely be cast upon your integrity should you advise your client to continue.

Edited by dx100uk
spacing

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