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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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JoeyJoeC

Euro Car Parks - Sainsbury's - Golders Green (ANPR) - 614 Finchley Road, Golders Green, London, NW11 7RX

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I got a NTK through the post today. Attached is the NTK and sat view of the layout. The entrance ANPR camera is before any car park signs, It does not say whether the driver was parked in the actual car park or on the forecourt.

 

Street view shows the signs, I am unable to get a picture of the sign without a drive into London to get there. https://goo.gl/maps/yh1ehnDVUsR2

 

For PCN's received through the post [ANPR camera capture]

 

please answer the following questions.

 

1 Date of the infringement 27/09/2018

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 08/10/2018

 

3 Date received 10/10/2018

 

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? Number plate only

 

6 Have you appealed? {y/n?] post up your appeal]No

 

7 Who is the parking company? Euro Car Parks

 

8. Where exactly [carpark name and town] Sainsbury's - Golders Green

Golders Green ANPR.jpg

jpg2pdf (3).pdf

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You say the invoice arrived today which Is the 11th October so the letter did not arrive within the correct time.

 

You partly obscured the arrival times and we do not yet know the actual length of time allowed.

Were you well over the a!lowed time or Just a matter of minutes?

 

My first instinct would be to call Sainsbury's And explain why you overstayed (assuming You did)tell them how much you spent with them And the reason for the time spent and ask That as you are a regular and good customer Could they kindly cancel the ticket for you Especially as you received the ticket out of time Thus breaching the Data Protection Act.

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Apologies, I opened the letter today, but it came yesterday on 10th.

 

Max time on the signage is 60 minutes (No return within 2 hours).

 

I obscured the exact times as I wasn't sure how anonymous to make it. Total time was 3 hours 20 minutes.

 

Driver shopped for lunch in Sainsbury's but also visited the local area. They don't think they have the receipt but apparently may still be in my car.

 

Just to add, there are garages after the ANPR which appear to be public. I am unsure where the driver actually parked, but if they had parked in that area, then surely this is invalid?

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Do you know whose sign it is? Some of the parking cos make up artificial time limits.

 

HB


Illegitimi non carborundum

 

 

 

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Sorry not sure I understand what you're asking.

I'm guessing Euro Car Parks owns the signs.

They say "Working in partnership with Sainsbury's".

https://goo.gl/maps/MptscCpybjw

 

I have emailed Sainsbury's to find out who owns the land infront of the garages, as the driver may have parked here.

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Can you get down there and photograph the entrance from the public highway and then the sigange as you see it as you go in plus a close up of the sign and any that are different so they can be read easily. say approximately how big they are, how far off the ground and how bif the font size is.

 

 

Now, if there is a good reason your car was there for a long time you should get on to Sainsburys HQ and moan at them to cancel it. Drinking gallons of coffee in their cafeteria would suffice but if you just parked there to go on a jolly in central London i wouldnt even start that conversation unless you cna prove you did some shopping atthere at the time.

 

 

So, show us the siganeg and we can help you from there. Plenty of hurdles for them to jump yet before their charge is lawful.

 

 

BTW a notice must be issued within 12 days of the day AFTER the event and then they have 2 days to serve siad notice so they are just in time

Edited by honeybee13
Paras

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I'll get some pictures when I can get there, it's only 16 miles away but is in London so would take me more than an hour.

The signage is the same as what is on streetview if that helps?

The images were taken recently.

 

The public highway is a one way system where you can't avoid going through their ANPR, and it isn't obvious that it is a car park, no signs until after ANPR.

 

There is what I believe to be public land after the ANPR in 2 places and cars often park there instead.

I have emailed Sainsburys HO to confirm who the land belongs to.

 

The driver did some shopping in Sainsburys at the time.

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Now there are a couple of Sauinsburys where this is a known problem, the one in Beddington, Croydon is a classic with a bus route going through the car park and a public access road to other buildings at one side that also gets snapped. there is another one where there is access to soem houses and agian PE send out demands and moan that they werent told you had visitors and it isnt fair that they have to cancel a ticket just because you have friends.

 

 

thre are 2 Sainsburys in that area so which one is the subject? They ahvent specified so get pictures of the other one as well so you can use them as a big stick if it goes that far.

Now for ANPR capture they MUST provide photographic evidence in the NTK and I cant see anything on yours that fulfils this requirement. It is not just about number plates it is evidence of the vehicle and thei toy cameras are around 5% wrong so they need to show more than a digitally altered picture of a small part fo a vehicle. Again, that is somehting to clobber them with but they wont be willing to accept this argument as they would have to do some work then and probably lose money.

So, if you can nice pictures of the entrance from the public highway, evidence the camera is spying on the wrong place and pictures of the other sainsburys just down the road to cause confusion and show they have breached the POFA in their lazy NTK.

 

 

In the meanwhile get on to Sainsburys Head ffice and tell them abotu this shoddy outfit and the capturing of images of vehicles on the public highway and using it to besmirch sainsburys good name etc and tell them that you expect them to tell the parking cowboys to cancel or you will not only defeat the claim form the parking co but drag Sainsburys name through the mud in socail media, local paper etc if they dont want to help

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They did specify which Salisbury's in the letter. Further down they gave the full address.

 

It's going to be difficult getting there to take pictures of the signs, it's around a 3 hour round trip, or 2 hours at night. How important is it to get those pictures?

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Could you tell us which Sainsbury's and which address please, Joey?

 

 

HB


Illegitimi non carborundum

 

 

 

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Thank you, I've amended your thread title. :)

 

 

HB


Illegitimi non carborundum

 

 

 

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Many thanks.

 

Still unsure if I will be able to get there to take pictures. My car isn't doing so well and has MOT due very soon.

 

I've contacted Sainsburys to see if they can do anything.

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aqnd how have you contacted sainsburys? if by email it means you ahvent read a lot of the threads that say dont use email because all that happens is they forward the email to the parking co who then just use it to harass you. Phoning head office would have been the first step and then a stiff letter to the corporate team at the top rather than any customer service group.

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Email to head office without giving any exact details. I'll see what they say.

 

I'm not so good on the phone and get a bit anxious. If this doesn't go anywhere then I'll do the letter.

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what email addy did you sned it to, we always say look up the boss's email address at ceoemail and use that. It will get through to a hO team and they have the clout to order ECP to stop being silly.

If you have emailed a customerservices addy you ahve just given away more information to the parking co.

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Yep customer service. But I didn't give details yet. I wanted to see what they say before giving any details or dates. Passing any details will be against GDPR anyway since I didn't ask them to get ECP to cancel, just asking if they would be willing to. I've sent a follow up email demanding that my details are not passed to ECP unless I agree so.

 

I'll email Mike Coupe, is there anything in particular I should say? Should it be an email on mitigating circumstances or complain about the parking company themselves and that the driver parked on public land just after the ANPR camera?

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the look up the ceo email and start again. Explain the parking co's siganeg is so crap it doeans t form a contract, cameras sited in the wrong place and that they as the peope who brought in a bunch of crooks to rob their customers blind are the peopel who should sort t out before it all becomes public knowledge on facebook, twitter etc. I bet the area has its own facebook accout so start finding palces you can post up about this if you dont get a suitable response. yopu might want to adjust the language I have used but keep the sentiment, they are not honest

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Thanks ericsbrother, I'll get an email written up today.

 

Do you think it would be worth me asking who owns the garages next to the car park as the driver may have parked here and I can use this as a defence?

 

If a car were to reverse in front of the last garage, it would have been caught on ANPR.

 

Does ANPR record video? as this may show this.

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not worth the bother yet re garage but keep it in ind. At the moment you are moaning on behalf of a sainsburys customer so keep the other options under wraps. Anpr is a series of stills and not video

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I have an over stay from Euro Car Parks from staying too long at a Sainbury's. I emailed their customer service (waste of time), but made it clear I didn't want any of my details passed on to ECP unless it is to instruct ECP to cancel the notice. This way they can't pass on details which would show you as the driver.

 

I was then contacted by someone from Head Office who want to know more about my complaint. (Not sure if I'm allowed to post email addresses here, but I can PM?)

 

I looked at the Bolton Store on Street view and I can see the entrance ANPR, but I cannot see the exit, since the car park slowly turns into another car park managed by another company and there are many ways to exit the ECP operated carpark.

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After complaining to the Customer Service team, I got an email from the Head Office who want more details. I emailed back mentioning about the tax they are putting on their customers and some other points. I will update again once I have a reply from them.

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I've also read the BPA Code of Practice, and realised that where they put the sign for the car park entrance is beyond the ANPR. the ANPR doesn't even cover if cars are entering the actual car park or not. There is no way that they can prove if any cars captured on ANPR even entered the car park. There is a a separate sign just before the ANPR that only covers parking in the service area.

 

I couldn't find this mentioned in the CoP, but is it worth complaining to the BPA about anyway?

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You get the ticket sorted with Sainsburys befoe you start anything else.

 

 

 

Also consider who is trhe BPA paymaster, it is again sainsburys who should receive the complaint first so once your ticket is cancelled you can go on the attack.

 

 

 

By all means tell them when you give them more details that their pet aprking co is probably ticketing peopel who have not even visited their store and they are going to get the grief over it as some of the more rampant parking defenders wil try and get ticketed on purpose just to create a breach of the DPA and they will go after the store as they have more to lose than a mickey mouse parking outfit

Edited by honeybee13
Paras

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Joey, we still need more detail about the location of the store i your thread.

other than that advice the same at this stage, give Sainsburys a headache and get them to cancel and dont contact the parking co

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