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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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Very, Lowell ..... ccj?


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I had an account with Very which was

 

Started 16/10/02

Defaulted 26/08/11

Default Balance £2130

Last payment 02/07/12

 

The last payment was made through a DMC to Lowell Portfolio Ltd.

 

I received varous letters from Lowells and at some point remember receiving letters from bryan carter solicitors. I ignored them!

 

Then i get a letter from Lowells saying that the account has been returned from the solicitors to them and that as i have not made any payments on my ccj they would be taking action. Apparently BC solicitors took me to court.

 

I never received any papers from the court.

My address never changed either.

 

I checked online and found that i would have received a big package of blue(?) court papers, did not receive them.

Because of this on 31 July 2016 I went online to RTL to check the Register of Judgments

- There was nothing registered for me, at my address.

 

In Nov 2017 my Experian credit report showed the very account gone and no ccjs were on there.

 

Today i have received a letter from Lowell Solicitors stating, second notice of county court judgment arrears -£1900.00.

 

The reference number they give refers to the Very account.

Are they pulling a fast one, trying to get me to contact them.

 

This account is now statute barred I believe?

very lowell.pdf

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Would be handy to find out what date this alleged CCJ was granted......but from the looks of it ..it has now passed the 6 years to enforce it without the courts permission.

 

They refer to a claim number on their letter...give MCOL Northampton a ring and try to get some information...date issued...judgment granted...copy of their particulars...which they will email to you if you ask.

 

Regards

 

Andy

 

Thread moved to Financial Legal Issues Forum.

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Just ring Northampton and get the dates.....then you can rest assured that they would have to go back to court to get permission to execute and enforcement.

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Right i'm confused now.

 

Finally was able to get to speak to someone in Northampton.

The claim number was correct, but they had the wrong house number.

So it would seem all the court forms would have been sent to the wrong address.

 

She said the claim was issued 5 June 2015, and judgement granted 7 July 2015.

Still waitng for email confirmation of this.

 

Don't understand how they got the address wrong, been here over 20 years and the Lowell letters all got the address right.

 

Where do i stand now?

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so CCj is within 6yrs so they can enforce.

 

you need to findout who made the address mistake...await copy of the claimform and CCJ via email pdf..you did ask for that?

 

that gives you a reason to set aside..

..and the fact that the debt was statute barred [you hadn't paid anything for a clear 6yrs sometime] gives you a defence for the actual Claim/debt.

 

should be a walk in the park

 

nothing unusual for carter here, he played all kinds of tricks deliberate or otherwise to ensure backdoor CCJ's ...

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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Not sure what i asked for exactly, think i asked for a copy of all the info she had just told me, and all that was connected with the judgment. Still waiting for the email, she said it would be a couple of minutes, been 40 odd mins now.

If i have received no email by the morning should i ring them again, and this time request copies of the claimform and the ccj, by email.

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yes

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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Well thats why its not showing on your CRAs/Registry Trust...from the claimants perspective...this it what they should have done......

 

 

Requesting a Default Judgment

 

At this stage, you can update the defendant’s address if it has changed since the issue of the claim; however please note that the defendant’s name cannot be altered. If the defendant’s

name is incorrect or you are aware that the defendant’s address was incorrect when the claim was issued do not continue requesting judgment – you will need to apply to amend and reserve

the claim.

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Reserve or reverse??

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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Reserve Judgment...until all corrections are made.

We could do with some help from you.

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The email has arrived, I was told on the phone that actual copies of things would be charged for, but he would send me all the details he could that were free. Here comes my headache again!

 

 

 

Claim No:

Amount Claimed: £ 2596.85

Court Fee: £ 105.00

Solicitors Costs £ 80.00

Total: £ 2781.85

Date of Issue: 05-JUN-2015

Claimant

Name: LOWELL PORTFOLIO I LTD

Address: PO BOX 1419, NORTHAMPTON

Postcode: NN2 1BU

Reference:

 

 

Address for sending documents and payments (if different)

Name: LOWELL SOLICITORS LIMITED

Address: ELLINGTON HOUSE, 9 SAVANNAH WAY, LEEDS

Postcode: NN2 1BU

Tel: 0113 3353339

Reference:

 

Defendant (1st)

Name:

Address:

Postcode:

Defendant (2nd)

Name: MRS

 

Address: 213

 

Postcode:

 

 

Particulars of Claim

THIS CLAIM IS FOR 2404.49, THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASED BY LOWELL PORTFOLIO I LTD, ON 30/08/2011 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925 PARTICULARS RE- SHOP DIRECT A/C NO xxxxx, AND THE CLAIMANT CLAIMS 2404.49 THE CLAIMANT ALSO CLAIMS STATUTORY INTEREST PURSUANT TO S.69 OF THE COUNTY ACT 1984 AT A RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO 192.36

 

Judgment Details

Judgment Amount £ 2596.85

Total Costs £ 207.00

Sub Total £ 2803.85

Paid Before Judgment £ 0.00

Total£ 2803.85

Instalment Amount £ 50.00 Period Monthly

First or Full Payment Date06-AUG-2015

 

 

Not sure if that came out correctly?

 

I have removed the ref numbers, and my name and address. But as you can see I have left in the house number the ccj was registered in. Not my number,

 

As i said I have lived here over 20 years and letters from lowell and their solicitors have arrived at the right house.

 

 

I remember getting a letter from Bryan Carter Solicitors saying the account was now being handled by them but nothing from them about court proceedings. How could i know or defend that?

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So time for a set aside then

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

If the claim form had arrived at the correct address...would you have had a valid defence to defend the claim ?

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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was the debt not already statute barred at the time of the claimform? I think it was?

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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The last payment i made was 2/7/12 so would not have been statute barred until 2/7/18? So when I should have received the claimform in 2015 it was not SB.

Would i be able to claim that since i only found out about the ccj, 24/9/18, it is now statute barred? Due to them submitting the wrong address on the claim ?

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No

Cant see a defence then

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

Given that the judgment is not registered to the correct address and also that it does not appear on your CRAs or RT...they will have difficulty trying to enforce the judgment until such time they make application to correct the address.

 

Do they state what action they would possibly take?

 

Andy

We could do with some help from you.

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So it does....

 

Okay well they cant issue a Warrant of Control...because it will have the wrong address on the warrant.

 

They could issue an Attachment of Earnings if they can find you and know your employer...assuming you are in gainful employment.

 

They could seek a charging order...but only after they have corrected the address on the judgment....assuming you have a mortgaged home.

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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I don't own my home, and i'm not in work.

 

:becky: Then nothing to worry about

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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