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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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smesin v Nationwide


smesin
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Hi all,

 

I have been reading all your comments with interest.

I am trying to get my charges refunded from Nationwide also. I have sent the initial request and LBA (dated 14th Feb). I had a reply saying no to the initial letter but have not had a reply relating to my LBA.

Should I go ahead and file a claim or wait for a letter beck from Nationwide?

I am very scared at this stage and don't know what to do so any help would be appreciated!

 

Thanks

Michelle :?

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Correct me if I am wrong but doesn't this £12 limit already apply to credit cards yet they are still paying out claims why - Is it because that the £12 figure decided FSA/Ombudsman is still too high. If it costs the banks less than they charge to cancel a direct debit etc it is still unlawful regardless what the FSA/Ombudsman state the only way to reach a correct figure is for the banks to disclose what it costs them:rolleyes:. Until then I think the claims will go on.

 

Correct Mahharg.... And in regard to the allocation questionnaire, I am not sure of which path to go down (old strat or new)? What you said makes sense as I could do without the hassle of putting together a court bundle to be honest... however I must do more reading first as I have not fully got my head around both strategys... Comments appriciated....

 

I have received no notification that Nationwide have acknowled my claim as of yet... they have until 14th March (9 days) from today.

 

Thanks for everyones comments... Keep us posted..

 

Will keep you up to date.... Smesin

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I heard from the local County Court today. The Court have reminded the Nationwide that they have until Friday 9th March to file a defence, which they have not done as yet. If they fail to defend then the claim defaults in my favour and I will finally receive the £1045 that they still owe me! Unless that is I get to send the bailiffs in??

 

KenSpe

 

How much do you need the money?... don't hassle them... They could just forget to pay you with their increased workload!! Mr Bacon will open the paper to see pics of your local branch being done over by heavies... Wishful thinking...lol

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post #51

eggopp v mr Bacon......sounds tasty!! :D

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Hello Smesin good to see you back on your own thread.

 

Correct Mahharg.... And in regard to the allocation questionnaire, I am not sure of which path to go down (old strat or new)? What you said makes sense as I could do without the hassle of putting together a court bundle to be honest...

 

Because both AQ are ok in their own right suppose you need to ask your self a few questions

1) Will the bank use their stalling tactics to delay paying out.

A) At the moment not Nationwide (compared to others). They could change though.

 

2) Am I prepared to wait for my money (interest will be increasing everyday) should they apply these tactics.

 

A) If yes then go for the original AQ. You will get your money.

 

If no then go for the new AQ if you don't mind getting your court bundle together.

 

does this help make your mind up!

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hello Smesin good to see you back on your own thread.

 

 

 

Because both AQ are ok in their own right suppose you need to ask your self a few questions

1) Will the bank use their stalling tactics to delay paying out.

A) At the moment not Nationwide (compared to others). They could change though.

 

2) Am I prepared to wait for my money (interest will be increasing everyday) should they apply these tactics.

 

A) If yes then go for the original AQ. You will get your money.

 

If no then go for the new AQ if you don't mind getting your court bundle together.

 

does this help make your mind up!

 

Deal Noel!!! Sorry...

 

Option 2.... I'll wait it out.... They might forget then I can send the baliffs in.

Cheers Mahharg

 

P.S. Hows the No Smoking going?

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I filed our claim on the 28th feb and havent heard a dicky bird as yet. I wait with anticipation. :rolleyes:

Kwaker I sent mine on 21st I was told by my county court that it wouldn't be issued for around 10 days. I phoned court on 1st March (premature I know) and was told it had been issued on 28th Feb and notice sent to me same day. Still waiting for post to arrive (good old royal mail). I think you have to wait a little longer or contact your local court and ask how long it should take before issue they should have an idea.

 

P.S. Hows the No Smoking going?

7 weeks and 3 days now and I have been to the local a couple of times. Found it easy with a drink(strange) just drink faster Hic!. I have had my tough moments but got over them. I am now going through days without even thinking about them :D As you can see my teeth are whiter as wel:lol:.

how about you then Smesin still off the fags.

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Mr Bacon put his email address on mine... Hmmm could be very nasty.. but i wont

 

I will, his email address is [email protected]

 

If you want to email him, email him - we certainly don't owe him any favours - all he is doing is delaying all your claims and mine waiting for an announcement from the OFT. My claim has been going on since Oct 06 and I'm still waiting for FULL settlement.

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Hi everybody. Hope you don't mind me joining the gang at this point. I'm taking on Nationwide too and below is my story so far:

 

15/12/06 First letter claiming £22 + £5.65 interest on a Flex Joint Account

28/12/06 Standard Rejection Letter (SRL) from NW

2/01/07 Second letter informing Court Action

10/01/07 SRL from NW

 

At this point I read that it might be possible to claim beyond six years and so I have now started from scratch and issued a 'First' letter claiming charges on both a Flex Personal and a Flex Joint Account.

 

31/01/07 New 'First' letter claiming £297 'without interest as a gesture of goodwill' !!! (Am I naive or what?)

6/02/07 SRL from NW (Richard Huntley)

9/02/07 Another SRL from NW (Mary Lydon)

22/02/07 Another SRL from NW (Michael Colton)

 

I'm now in the process of using the Small Claims Pack Form N1.

Question? Is everything I'm doing so far all OK? Any advice appreciated. Thanks

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I will, his email address is [email protected]

 

If you want to email him, email him - we certainly don't owe him any favours - all he is doing is delaying all your claims and mine waiting for an announcement from the OFT. My claim has been going on since Oct 06 and I'm still waiting for FULL settlement.

 

 

I just did, i emailed him a nice little note and a copy of my list of charges lol.

 

I wonder if he will reply to me??? lol :roll:

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Nothing wishful about it !!! If they dont pay me or defend as they have indicated i will send in the bailiffs...

 

Actually someone should set themselves up as a CAG bailiff and represent the forum groups lol

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No i havent been paid yet, done MCOL, been acknowledged and there going to defend, they have till 28 march, so unless they start paying up i have to sit back and wait.. Ive seen on some threads people get there money around about a week after MCOL has been acknowledged, but not me, not yet.

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Ok, check this out... This is the letter I received from the complaints department when it was passed on to them. Ive not heard of them admitting defeat in this way before but atleast I now have clarification and don't have to worry about court, etc. Has anyone else ever had this letter?

 

Nevertheless, I have still not received my money.... Will celebrate when I see it in my account!!!!!!!!!

 

Smesin

Letter From Nationwide.doc

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wow, great letter, maybe they have decided to save themselves some cash and just pay out now. After all, their strategy so far must have cost them.

BTW - have you asked them about the interest on those charges?

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Nationwide have justpart settled my claim. I claimed contractaul interest but they chose top pay SI interest plus charges and court fees. Do I have to advise the court of partial settlement or do I simply wait to se if they file a defence?

 

How would the court view it if I let it go to default date (i.e. no defence filed) even though they have part settled?

 

Hope this makes sense ; i.e. Nationwide have NOT settled my claim, only part of it.....doesnt that mean that they MUST file a defence as to why they have done this? If they dont file a defence can I request a default judgement?

:wink:
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Quest,

 

I did three things when I ws n your situation;

 

1) Read a lot of threads, including other banks to get a feel for what might happen and gather help.

2) Telephoned the Nationwide HQ and asked them whay they had not re-imbursed the full amount of my claim and informed them that I would pursue this to the end.

3) When MCOL asked me I the claim had been settled I informed then only partially, whereby the case was transfered to my local County Court and I filed a continuation of the claim for the outstanding amount via the Allocation Questionaire.

 

In my case NW has to file a defence by today, I await the outcome.

 

KenSpe

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Update Alert!!!

 

See my thread on the main NW board....

 

Victory!!!:) ....cheque for £1269 arrived this morning....unbeleivable as I was expecting a more drawn out process. Now for the complaint which wll end up with the FOS.

 

Keep going it is so worth it!

 

All the very best to you all and Thanks!!!!!

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Ok... Dispite the letter from NW saying that my charges are in the process of being refunded (see attachment in post above).... I received a notice from the court on Saturday 10th March stating that Nationwide intend to defend the whole claim!!???!!!??? Confused....

 

Thoughts please.....

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