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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. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that 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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      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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Business Account


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Hey, I'm starting a new claim for bank charges on a Limited Comany.

 

I have a copy of bank statements and the bank charges are made up of:

 

14 direct debits @ 40p = £5.60

Cash paid in at branches =£46,540 @ 49p per £100= £228.04

Standing orders 11 @ 40 =£4.40

 

There are a few other charges and the total charge for one month is £401.43.

 

Can these charges also be claimed back? Are they unlawful or just a price you pay for having a business bank account. Please help.

 

Thanks.

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Guest Lueeze

Surely you are paying for a service with these charges?

 

If so (because it is business account) I would say you cant claim this back, as 40p and 49p/£100 seem much more reasonable fee's

 

If not then yes claim them....

 

Lou x

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Ok im getting slightly confused. I have a personal bank account and i am just waiting for the Halifax to pay up. With regards to my business bank i am just a little unsure as to what is 'unlawful'. If those items, as you say, are a service then surely the referral charges i have been charged each month of £150 are also service charges to increase or decrease my overdraft?

 

Thanks.

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I agree with Lou here. The charges you state are not unlawful. 40p is not an unreasonable cost to charge the company for the servicing of a direct debit.

 

The argument with referal fees is that we all know it doesn't cost £30 etc to bounce a direct debit. These arguments and others are in the FAQ section of the forum. If you are going as far as court action you must be fully aware of these arguments.

 

Good luck.

[

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Thanks for answering that question about my first post. The referral charge is my confusion now though. I do agree that the other charges on bankings and direct debits etc is ok and not unlawful but what about the referral fees. I am charged £150 each month for this and dont really know what it is for. The overdraft is not updated that much. As for going to court, i havent even issed my first letter regarding the business accounts as i am not to sure i have a case. The court issue is with my personal bank account and i have read all the faqs and understand them completely. It is the business side i am now researching, so i was just enquiring as to whether 'referral charges' are lawful.

 

Thanks.

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Guest Lueeze

£150 EVERY month?

 

Most Business users have a annual review and then it costs them a %. Like I say Im surprised you are charged these fee's of 40p ect then another £150 on top of this....

 

What bank are you with? I will look into it for you...

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Guest Lueeze

Rates and fees

 

 

Banking method Standard menu tariff Auto free tariff

Payments out:

manual 67p each 75p each

Payments out:

standing order 40p each 0p each

Payments out:

Direct Debits 38p each 0p each

Payments out:

other automated debits 40p each 0p each

Receipt in:

manual/automated 70p/20p each 75p/0p each

Cash in - branch 57p per £100 90p per £100

Cash out - branch 57p per £100 90p per £100

Cash exchange £1.60 per £100 £1.50 per £100

Cheques paid in - branch 28p 30p

Autopay payments 28p each1 0p each1

Night safe deposits £1 each £1 each

Account maintenance charges £5.75 per month £3.50 per month

 

Current Credit Interest Rates* Gross per year AER

Business Current Account 2% 2.02%

Charges are applied monthly calculated on the services you've used. You'll be given around 14 days' notice of amounts to be charged, along with details of our calculations.

 

 

Charges for additional services

Management time, statements, returned cheques and letters about your loans or overdraft no charge

Stopping payment instructions (eg. cheque2) £10

Obtaining a special cheque clearance £15

Credit opened £12 to set up

Duplicate records (eg. copy of statement) £5

Certificates of balance £8 each

Business audit certificates £27.50 ex VAT (free for clubs, societies and charities)

Banker's opinion £8.50

CHAPS £23 (to pay into another UK bank)

£21 (to pay into another NatWest branch)

Obtaining a banker's draft £12 each

Returned items 'outwards' £35 each

Paid referral fee £25 each day an item is referred prior to payment

 

 

 

 

 

Sorry it seems muddled, but i copied this from their website, can you identify which charges you have had?

 

Lou xxx

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Hey, and thanks for your help already

 

Here is a typical months charges (and how its written on the bank statement):

 

The charge is calculated as a per price item as detailed below: £400.32

Plus an account maintenance charge/fixed fee of: £5.75

 

Account charge to be deducted: £406.07

 

Activity Charge

 

BACS Direct Debits 11 @ 0.38 = £4.18

Other automated debits 5 @ 0.40 = £2.00

Standing orders 7 @ 0.40 £2.80

Cheques and other debits 27 @ 0.67 = £18.09

Manual Credits 18 @0.70 = £12.60

Cheques paid in - branches 5 @ 0.28 = £1.40

Cash paid in at branches £37,051 @ 0.57 (per £100) = £211.13

Cash exchanged at branches £8,470 @ £1.60 (per £100) = £135.52

Autopay payments 45 @ 0.28 = 12.60

 

Total Item Charge £400.32

 

That amount is then taken from bank about 14 days after notice. I am then charged a 'referral charge for the month of xxxxx' of £150 every month. THEN I am charged interest on the account of £406.07!!!!!

 

Im not necessarily disputing the charges as discussed previously, but the other items are surely just lining the big wigs pockets?

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Guest Lueeze

WOW! thats alot of cash! Isnt there a cheaper alternative? Or do you have big borrowing?

 

Ok, The 1st fee's seem legal

 

Claim the 2nd and see what happens.

 

Like i said before most people pay an OD review fee each year and its like 1% or 2% or something. Can you actually call them and ask what this is for?? Its not listed ANYWHERE???

 

Claim it if in doubt, they can then explain what it is cant they!

 

Hope im helping and not hindering...

 

Lou xxx

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You're being a great help. Here is the story.. i am the company accountant of 6 Limited companies. I have started looking through the bank statements, hence the reasons for all my posts today.

 

Basically, 5 of the companies are bars or clubs and the other one is a magazine company. That is the reason for all the transactions. I have skimmed through the bank statements of the other companies and again the normal charges are paid out (d/ds and s/os etc) then they also have referral charges each month. They vary in amounts, two being £80 per month and one being £12 per week. I havent been through the last two companies but im assuming they will be the same. They are all Natwest accounts too.

 

I will get one of the Directors to call the Natwest tomorrow to ask the question as to what the 'referral charge' is for. If he doesnt have any luck then I will just try and get those amounts back. I will also look into the interest charges as to when and what they are for.

 

Im getting soooo confused!! lol

 

The amounts in the accounts for bank charges and interest are just so excessive its unreal!

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Guest Lueeze

I would say they are excessive, christ they make a fortune from you!

 

Like i said you really should look at changing banks, now I know this is not easy, but i bet theres a few banks out there who would like to have your business and can offer you a better deal.

 

Unless you feel the service is good enough to justify the charges of course....Call them and bloody complain, after all they earn enough from you!

 

Lou xxx

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I have just checked one of the other bank statements online and they also have referral charges of £125 each month as well as the normal bank charges and interest!

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Guest Lueeze

Right go get em! GRRRR!!!!

 

Like i say you have the upper hand, you pay their wages effectively!

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Thanks!

 

We are currently looking into changing banks, hence the reason for me looking into getting the charges back as it wont matter if they close the account or not.

 

I will let you know tomorrow their reasons for the 'referral charge', if indeed there is one!! lol

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Want FREE BANKING? - This is not an advert just a recommendation. Why not join the FSB Federation of Small Business? It costs about £70 a year. You get free 24 hour legal help line on any matter at all. Cover against tax and vat investigations AND as a member of the FSB you get FREE BANKING from the Co-operative bank. No cheque charges, no DD charges nothing. All you pay are £10 per day over the limint charges ( which I am claiming back! ) and any lending you have. But the FSB deal is a damn good deal. http://www.fsb.co.uk you'll never look back!

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Hey Lueeze

 

I spoke to the Directors and they arent sure what the referral charge is for. First they said it was for natwest online banking thingy bob to pay the wages. I told them that it cant be for that as only one company uses it and every company is being charged.

 

OK... Just spoke to a different Director, the referral fee is for going overdrawn. Yes, the companies do go overdrawn but £150 quid charge is way too excessive. He also told me that the interest charges is also for going overdrawn and recently they have been charged up to 29% for this!

 

Thanks for the reply about FSB, i'll have a look into that but i believe that they are already in discussions with another bank.

 

Thanks

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Guest Lueeze

Blimey just as well you chekced cos thats alot to be taking out of your wages!

 

Good Luck!

 

Lou xx

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Checked it out and it looks good, thanks for the info Andrew, are you a member?

 

Lou

 

 

Yes Lou I am. It's only for Self employed and businesses I have a Limited Company but it's the person who is the member. It also covers family and employees too so it's the best £70 I've ever spent and you don't have to go through a credit check to become a member either! The legal helpline is brilliant. I've spent hours talking to them on some issues and it costs you zilch! I do all my banking online and they have a reasonably good site.

 

I have read on a couple of threads that transfer of DD's & St/Orders etc have been a little shakey from one bank to Co-op but i have never had trouble with them. They are a good bank all be it not the most glamorous when it comes to branches but they get things done and seem a cheerful bunch. I've banked in business since 1980 and have tried most of them, Co-op I like.

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