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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

WELCOME FINANCE: PPI CLAIM - Initial letter following SAR


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I'd appreciate it if people in a similar boat could review this letter and advise accordingly :)

 

if anyone has had any similar dealings with welcome, regardless of outcome, i'd very much like to hear about it.

 

I have borrowed bits from other PPI refund claim letters floating around.

 

i'm sending this next week - if there are any parts that those in the know feel are a bit inflammatory, i'll take them out.

 

I know individuals shouldn't enter into disputes like this with an angry head, but the way this company operates makes me sick - they are literally nothing more than legitamised loan sharks.

 

I was told exclusively that if i did not agree to the PPI, i wouldn't get the loan. the total amount for the PPI premium over the term was bundled into the loan amount up front, and that was that.

 

anyway - rant over - letter below:

 

 

xxxxxx

 

 

 

 

Account Number: XXXXXXXX

 

MIS-SELLING of PPI - COMPLAINT

 

Dear Sir or Madam,

 

I took out a loan with your company on December 15th, 2003, At an APR of 32.8%.

 

When I took out the loan, I was not offered any quotations without PPI; I was told that I would not have been given the loan if I did not take PPI. I have since been told that this is not true, and that you are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in your quoted loan interest rate, which you did not do.

 

I did call several months after to enquire about cancelling the PPI – in order to lower my monthly repayments and alleviate ongoing financial difficulties – and I was told that this was not possible; again, another incorrect statement.

 

Your loan agreement states this as ‘optional’ – this is a wholly misleading term.

 

I therefore consider that I have been mis-sold this obscenely expensive insurance, which I do not need and which I said at the time that I did not want. I’ve spent some time researching this matter and it appears I’m not the only welcome finance customer in this position. You took advantage of my poor credit rating and desperation, at the time, in order to extract the largest possible profit margins.

 

The stated PPI amount listed on the agreement is £812.68.

 

I have been advised that I should be able to cancel the PPI contract at any time and receive a refund of the premium that I have paid. I would like to do this - And in view of the way I was mis-sold the insurance, I would like to ask for a full refund of the whole premium.

 

I would appreciate a reply to this letter within fourteen days. If you reject this complaint, I would be grateful if you could state whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service.

 

Please do not assume that I will be satisfied with anything other than a full and prompt refund of the entire £812.68. If this does not happen, I will happily escalate my complaint and also contact press agencies with details of this matter.

 

Yours faithfully,

 

 

 

XXX XXXXXX

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xxxxx

 

MIS-SELLING of PPI - COMPLAINT - Maybe change to request for ppi return

 

Dear Sir or Madam, sir/madam

 

I took out a loan with your company on December 15th, 2003, At an APR of 32.8%. On 15th december 2003, i entered into an agreement with your company

 

When I took out the loan, when i entered the agreement I was not offered provided with a quotation which excluded ppi any quotations without PPI; I was told that I would not have been given the loan if I did not take PPI.i was informed by a member of staff(name) I have since been told that this is not true, and that you are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in your quoted loan interest rate, which you did not do.

 

I did call several months after to enquire about cancelling the PPI – in order to lower my monthly repayments and alleviate ongoing financial difficulties – and I was told that this was not possible; again, another incorrect statement.

 

Your loan agreement states this as ‘optional’ – this is a wholly misleading term.

 

I therefore consider that I have been mis-sold this obscenely expensive insurance, which I do not need and which I said at the time that I did not want. I’ve spent some time researching this matter and it appears I’m not the only welcome finance customer in this position. i would not include this You took advantage of my poor credit rating and desperation, at the time, in order to extract the largest possible profit margins. liabilous

 

The stated PPI amount listed on the agreement is £812.68.

 

I have been advised that I should be able to cancel the PPI contract at any time and receive a refund of the premium that I have paid. do you mean a partial refund I would like to do this - And in view of the way I was mis-sold the insurance, I would like to ask for a full refund of the whole premium.

 

I would appreciate a reply to this letter within fourteen days. If you reject this complaint, I would be grateful if you could state whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service.

 

Please do not assume that I will be satisfied with anything other than a full and prompt refund of the entire £812.68. If this does not happen, I will happily escalate my complaint and also contact press agencies with details of this matter.

 

Yours faithfully,

 

 

 

 

It might be better adjusting the prelim letter for ppi.

 

if you are sending this letter change ppi into the full form of payment protection insurance

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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  • 1 month later...

Hiya CJM

Did you get a reply from Welcome?

Im trying to sort all my figures out so that I can do the same, and was just wondering how they take the news! lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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yes i surely did:

 

######################

dear mr XXXXXXXX

 

i have been advised by our complaints dept you have made a statement that you were told when you took out the loan the payment protection was compulsory. (atrocious grammar :))

 

as the loan was taken whilst your agreement was at the cardiff branch and i am obviously unable to comment on what process was followed, i have taken the opportunity to enclose copies of the personal loan agreement form and the customer declaration forms which you signed at the time of the loan which confirms you are aware of the terms and conditions of the agreement and insurances. i have highlighted the appropriate points for perusal. (crappy photocopies of documents I already have following my S.A.R - (Subject Access Request) stapled to letter).

 

I would also point out that on 17.03.05 we sent a settlement figure to you which included the breakdown of insurances and the rebates available on settlement. a settlement figure was also produced on 10.8.06 outlining the same information. on both occasions you did not question the insurances.

 

it appears from the information provided on the application form you were eligible for and met the criteria for being recommended the insurances which also included medicare 24 cover.

 

I would confirm our company policy toi cancel insurances is within 30 days of recieving the policy documents which includes a section on your cancellation rights. the agreement was written in decemeber 2003 and so is outside your cancellation rights.

 

i trust my explanation is suitable for your purposes but if you require additional information you may contact me at the above address.

 

yours sincerely

 

janet xxxxxx

branch manager

##################

 

so basically, a fob off letter, poorly written, which argues the following points:

 

  • account has 'changed branch' so the new branch isn't responsible for the conduct of staff at the original branch. I don't need to elaborate on how unbelievably laughable that argument is.
  • that i was aware of the terms and conditions & my right to cancel. B*llocks was I! they kept me in a tiny office room for over an hour while the loan was being agreed, when I said I didn't want the insurance, i was categorically told that no PPI = no loan!
  • I've had 2 settlement figures and I didn't question the insurance at either time..... well, i was so shocked at how big the settlement figures were, i guess i missed that one. and i didn't know what i know now!
  • i was elligible for the insurance..... i don't care if i was or wasn't, i was forced into taking it and at no point during the application process was I shown a quote without PPI! why not? because the salesperson was going to make a wedge of commission on the deal!

I hate welcome finance even more now. but to be honest, I wasn't really expecting anything other than a response letter containing the utter crap that this letter contains.

 

I'm drafting a response to this letter - i'm also considering signing up with a compensation specialist for this claim, it's not the money i'm bothered about, it's beating these loan sharks. I'll happily give away 25% for the smug feeling i'll have at the end.

 

by the way, my loan was for 2500, I'm still paying it back (2 payments left), i've already paid back over 5k, and the total cost of the insurance - bundled in up-front - was £812.

 

welcome - stay well away.

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