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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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Highview/DCB(L) ANPR PCN - Letter of Claim - Now Claimform - overstay - Riverside Retail Park in Norwich, Norfolk.


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1 Date of the infringement 08/08/23

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 17/08/2023
 

3 Date received Unknown
 

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? Yes
 

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? Highview Parking

 

8. Where exactly [carpark name and town] Riverside Retail Park Norwich
 

For either option, does it say which appeals body they operate under.

BPA

 

Hello,

I have received a PCN from Highview Parking who manage Riverside Retail Park in Norwich, Norfolk.

The free period is 2h30m and it is alleged the vehicle was onsite for 2h45m, therefore a claim is being made by Highview for a 15 minute overstay.

Please find attached correspondence received from the various entities involved. I have not appealed nor had any contact with any of the entities involved.

As this has escalated to a Letter of Claim dated 12 February 2024 I would be grateful for any advice given.

I think I've done this right please let me know if any other information is required.

 

Many Thanks,

 

au0000


 

Highview Parking PCN.pdf

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  • dx100uk changed the title to Highview ANPR PCN to Letter of Claim - overstay - Riverside Retail Park in Norwich, Norfolk.
  • dx100uk changed the title to Highview/DCB(L) ANPR PCN - Letter of Claim - overstay - Riverside Retail Park in Norwich, Norfolk.

well done 10/10 thank you.

time for a snotty letter to DCB(L)

dx

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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Hi 0000 and welcome to CAG.

If it is a letter of claim and not a claim form, (please upload) the next thing is a "snotty letter" from you.

Look around other threads for ideas of what to write.

Sorry crossposted with dx

We could do with some help from you.

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last 2 pages of PDF PAPLOC

dx

 

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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Hi,

 

Thanks for the replies, I did initially upload the letters, please let me know if you are unable to see them and I will do it again and yes, it is a letter of claim, the last letter in the pdf.

 

hi, dx, last 2 pages of pdf, PAPLOC, not sure what that means, I am new and still reading up on stuff :)

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Yes, you need to send Highveiw a snotty letter to show them you'd just be big trouble for them if they did do court.

Consideration & grace periods cover 15 minutes so you're in a good position.

It's always a good idea to write the to the organ grinder, lay it on thick about being a genuine customer, and demand they call off their dogs.  I've done a search for the retail park but I can't find a damn e-,mail address.

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 OTHERS

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Hi Dave,

Thanks for your reply, should I send the letter to Highview and a copy to DCBL or to Highview only?

Looking through some threads for an example letter, is there a template?

Will continue researching the forum to see what I can find but thank you everyone for your help so far.

au0000

Edit: OK, found a page on ericsbrother letters, thanks dx100uk on another post :)

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As Dave has already said there are Consideration periods and Grace periods to be taken into account when private parking is involved.

Before looking at that the first thing is to check whether your PCN complies with the Protection of Freedoms Act 2012 Schedule 4 which regulates the private parking rogues.

They were very good at twice quoting from the Act but they missed Section 9[2][e]

(e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—

(i)to pay the unpaid parking charges;

They didn't do that so they have not complied with the Act which means they cannot pursue you as the keeper only as the driver which they said themselves when quoting Section 9 [2][f] .

In addition they are supposed to quote the period of parking but instead given the times of arrival and departure of your vegicle which is not the same thing.Obviously their times  include the driving times to the parking place plus later from the parking place to the exit. So removing those times from your 15 minute overtime and that doesn't include extra minutes when your car was held up by stopping for pedestrians or other cars passing in front of you as well as returning the shopping trolley and possibly  queueing to get out of the car park. And that doesn't include children and or disabled people causing greater differences betwen their times and the actual parking period which is what is specified in the Act. It is perfectly possible that as much as fifteen minutes longer  could be taken in a larger busy car park compared to their spurious ANPR times.

You may have noticed sating well done to you in his post. that was for two reasons. The first for giving us all the necessary details surrounding the alleged breach. the second well done was for not appealing a possibly giving away who was driving. As you the keeper is not responsible now for paying the PCN and Highview do not know who was driving they will have difficulty if the take you to Court since Courts do not accept that the keeper and the driver are the same person which is quite right considering that quite often family members often drive as opposed to the keeper as can loads of other people drive your  who have valid insurance motor policies.

So don't worry even if you have to go to Court as the odds are in your favour and that's before we see the contract and Witness Statement which often give more ammunition against them.

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post up your snotty here first!

dx

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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14 hours ago, anotheruser0000 said:

hi, dx, last 2 pages of pdf, PAPLOC, not sure what that means, I am new and still reading up on stuff :)

PAPLOC = Pre Action Protocol Letter Of Claim.

Heres a handy guide to sme of the acronyms you'll see on the forum...

https://www.consumeractiongroup.co.uk/topic/147286-posting-in-this-forum-and-a-z-of-motoring-terms/#comment-4399743

 

We could do with some help from you.

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Hi Everyone,

Thanks very much for the replies and all the help so far.

Been short on time and had internet problems but hoping to get this sorted today.

@lookinforinfo When you said they didn't comply with Section 9(2)(e), they didn't quote the section but did state on the PCN "as we do not know the drivers details or current postal address,  if you were not the driver at the time" etc etc.

Does that not comply with the statement under (e) ?

So, reading through the act:

(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;

As you say, they have specified a "duration of stay" and not a period of parking.

Just working out a letter at the moment.

 

Thanks.

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I think you may be mistaking the point of the snotty letter.

Arguments about POFA would be very useful if you were arguing the matter in court in front of a judge.  But you're not at that point yet and hopefully will never be.

The point of a snotty letter is to drum into Highview and DCBL's thick skulls that this anotheruser0000 person is a pain in the backside who isn't scared of them and is likely to hit them hard in the wallet if they did do court.  So best to leave anotheruser0000 in peace and go after some mug who they can intimidate into paying up.

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 OTHERS

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Hi Everyone,

 

I was thinking of keeping the SL short and simple, something like this:

 

Dear TV Stars, (and Highview)

In response to your Letter of Claim

Re: PCN no.XXXXX

 

How delightful it is to receive examples of your attempts to fleece motorists and patrons of various businesses.

Your persistence truly is commendable, albeit misguided.

Firstly, I must express my sincere gratitude for your contribution to my entertainment fund.

Your pennies have been put to excellent use in providing me with endless chuckles.

However, your belief that you are owed anything beyond that is as laughable as it is absurd.

You quote parts of the Protection of Freedoms Act 2012 but have you actually read the act in whole?

If you haven't I suggest you do so now as it might save you a few quid in court.

Take a look at your own Code of Practice as well, while you're at it.

In conclusion, allow me to offer my sincerest wishes: may this be the last we hear from each other because at this time of year, the money I spent on the stamp could have been put towards a visit from the Easter Bunny!


With the warmest regards (not really),

anotheruser0000

 

 

 

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Nice one!

Just giving them a couple of clues that you know what you're doing and being facetious along with it.

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 OTHERS

 

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That is one cracking snotty letter.

A snotty letter can't just be abuse, you have to show them that legally their case is pants ... while at the same time not playing your cards too early.  It's a tight line to walk.  You do it superbly by mentioning POFA and the CoP without letting on where they've messed up.  Well done.

Write at the bottom COPIED TO HIGHVIEW PARKING LTD, invest in two 2nd class stamps tomorrow, and get two free Certificates of Posting from the post office.

So Nick, where is this letter in your 2024 so far Snotty Letter of the Year league table? 🙃

We could do with some help from you.

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As you have to go to the post office tomorrow, I suggest you send a third letter to -

Riverside Retail Park
Albion Way
Norwich
NR1 1WU.

Lay it on thick about being a genuine customer, about the overstay being short and in any case within the consideration & grace periods, attach any proof of purchase, emphasise you were at the retail park's shops the whole time - and demand that they call off Highview who are threatening you with court action.

It may be a complete waste of a stamp.

Or the retail park could be very cooperative.  We've seen both reactions plenty of times.

Nothing ventured ...

 

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 OTHERS

 Have we helped you ...?         Please Donate button to the Consumer Action Group

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Thank you FTM Dave,

I have to credit the author of the original letter on this forum that I "borrowed" from and inspired my letter, which was you, lol!

We can split the prize for Letter of The Year! 😁

I can do the letter to Riverside, unfortunately I don't have any proof of purchase to enclose but I was at Riverside the whole time, nothing ventured and all that.

By my calculations I've still got ten days to reply so I will get to the Post Office in a day or two. 🙂

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Anotheruser they did mention some of S9 [2][e] but missed out the vital part by not  inviting the KEEPER to pay the debt.

Major fail. 

(e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—

(i)to pay the unpaid parking charges; or

(ii)if the keeper was not the driver of the vehicle, to notify the creditor of the name of the driver and a current address for service for the driver and to pass the notice on to the driver;

 

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  • 1 month later...

Hi All,

I was going to post an update after a month had passed since I sent my SN but didn't get around to it,

after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! ....

On Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! :crazy:

These people really are tiresome ....

Details to follow ....

(EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)

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Did you get any joy from the Retail Park?

Please fill this in for the claim form -

 

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 OTHERS

 Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

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