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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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.

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HXCPM - Claim form - No stopping ( 1 Minute) - Everything ignored - Shell Garage Site 1085, Salterhebble, Halifax, HX3 OQE


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1 Date of the infringement 12/10/2023

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 16/11/2023
 

3 Date received UNSURE
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] NO
 

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? HX CAR PARKING MANAGEMENT LTD

 

8. Where exactly [carpark name and town] SHELL GARAGE, HX3 0QE
 

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

NO
 

Hello Guys, I'm currently helping my neighbour with the above (shes only next door) , she has sent me whatsapp on the parking charge and the notice to keeper, which she ignored but unfortunately she had a LOC which she also ignored.

i have so far:

done acknowledgment of claim

sent CRP request to sols.

she said she went to the shell garage to put petrol in, however before she entered the carpark her phone rang and she pulled over to answer it, next thing this arrives in the post.

the time stamp is 1 minute on a "no stopping zone". i have reassured her with all the knowledge i have learnt over the years on the site, reading ect but whats everyones thought. i think they are playing a dangerous game and will discontinue this.

 

 

 

 

PCN and NTK.pdf

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thread title updated

 

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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  • dx100uk changed the title to HXCPM - Claim form - No stopping ( 1 Minute) - Shell Garage Site 1085, Salterhebble, Halifax, HX3 OQE

Which Court have you received the claim from ? Civil National Business centre

Name of the Claimant :       HX CAR PARK MANAGEMENT SERVICES LTD FY8 5AY   

Claimants Solicitors: GLADSTONES SOLICITORS WA1 1PP

Date of issue – 15/03/2024

Date for AOS - 19/03/2024

Date to submit Defence - 21/04/2024

 

What is the claim for – 

1. THE DRIVER OF THE VEHICLE WITH REGISTRATION +++++ (THE "VEHICLE") PARKED IN BREACH OF THE TERMS OF PARKING STIPULATED ON THE SIGNAGE ("THE CONTRACT") AT SITE 1085 SALTERHEBBLE HALIFAX HX3 0QE, ON 12/10/2023 THUS INCURRING THE PARKING CHARGE (THE PCN).

2. THE PCN WAS NOT PAID WITHIN 28 DAYS OF ISSUE.

3. THE CLAIMANT CLIMS THE UNPAID PCN FROM THE DEFENDANT AS THE DRIVER/KEEP OF THE VEHICLE.

4. DESPITE DEMANDS BEING MADE, THE DEFENDANT HAS FAILED TO SETTLE THEIR OUTSTANDING LIABILITY. 

5. THE CLAIMANT CLAIMS £100.00 FOR THE PCN, £60.00

CONTRACTUAL COSTS PERSUANT TO THE CONTRACT AND PCN TERMS AND CONDITIONS,

TOGETHER WITH STATUTORY INTEREST OF £4.25 PERSUANT TO S69 OF THE COUNTY COURTS ACT 1984 AT 8.00% PER ANNUM, CONTINUING AT £0.04 PER DAY.

What is the value of the claim? £164.25

Amount Claimed £249.25

court fees £35.00

legal rep fees £50.00

Total Amount £249.25

Have you moved since the issuance of the PCN? NO

Did you receive a letter of Claim With A reply Pack wanting I&E etc about 1mth before the claimform? YES - SHE IGNORED

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The NTK [as usual] does not comply with the Protection of Freedoms Act 2012 Schedule 4 for so many reasons. For example Section 9 [2][e] states "

(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"

Nowhere does the PCN invite the keeper to pay the charge. That means that the keeper is  not liable to pay the PCN. As your neighbour has not appealed [well done] HX do not know who was driving.  The Courts do not accept that the keeper and the driver are the same person so HX will have a very hard jot proving who was driving at that time.

In any event, "No Stopping " cannot form a contract with motorists as as it is prohibitory. On top of that the IPC Code allows a five minute Consideration period. Furthermore there is no parking period time mentioned on the PCN which is another thing that should have been included on the PCN.

So tell your neighbour that there is nothing to worry about-just never admit who was driving.

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  • dx100uk changed the title to HXCPM - Claim form - No stopping ( 1 Minute) - Everything ignored - Shell Garage Site 1085, Salterhebble, Halifax, HX3 OQE
10 hours ago, lee19921992 said:

THE VEHICLE WITH REGISTRATION +++++ (THE "VEHICLE") PARKED IN BREACH OF THE TERMS

Well, it looks like they've shot themselves in the foot there... POC's say "Parked", PCN says "STOPPED"

Also, in the last paragraph on the PCN, they are blatantly stating that the OP will be charged £60 for sending a PAPLOC.

Highly questionable.

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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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Under PoFA if the keeper has not provided the name and address of the driver and not paid the PCN within 28 days the keeper then becomes responsible for the charge. So they should only be pursuing the keeper not the driver as well. It should be one or the other, it cannot be both. Typical of Gladstones.

Then trying to charge an unlawful £60 . Talk about scraping the bottom of the barrel.

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As this bloke is apparently all over social media, it would be a good idea for your mate to contact him and ask if she can quote his case as a persuasive case in her WS. 

The claim number is the most important bit, and then anything else he would be willing to state - judge name, court name, hearing date.

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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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