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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Claiming beyond 6 yrs - important new information!!!


BankFodder
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In light of the new views being taken on the limitation act 1980 I am thinking about going back after the NastyWest for some charges that I lost out on last time. Here's what happened last time, what do you reckon?

 

In Feb 07 after submitting their AQ i received a letter from Cobbetts with a cheque enlcosed. However this cheque was not for the full amount of my claim and they argued in their letter that I could not bring a claim more than 6 years after the date on which the action accrued, and as I issued my claim on 8 jan 07 i was only legally entitled to claim between the periods 8th jan 2001 and 8 Jan 2007.

 

Initially I disputed this fact and returned the chque to them and wrote back to them stating that my claim should be eligible for relief from the effects of the limitations act 1980 under sections 14a and 15b. I also pointed out that my litigation with them had actually begun when I submitted my S.A.R - (Subject Access Request) in October 2006 and my claim was based upon the info they had furnished me with subsequently.

 

However in response to this argument they just sent me back the same cheque again with a letter reiterating their case under the limitation act 1980.

 

At that time I was pretty skint and the money was too tempting so I caved in and banked their cheque.

 

Does anyone think if I were to put in a new claim for the initial early charges that weren't paid last time this would be viable? I did write to the court stating that the claim was settled by agreement!

 

Also I have since accrued new charges which I am going to try claiming.

 

Brownie24:confused:

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I would say claim the new charges with the old ones. That way you can still invoke the UTCCR and they will still have the burden of having to reveal their costs before they can even begin to argue about old charges being statute barred.

 

The fact that they told you that the old charges from your previous claim were statute barred means they were admitting that they owed you the money. A gesture of goodwill cannot be time barred..

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Hi Gez

 

So do you think I should go after the ones that they bullied me out of getting last time these were for the peroiod Oct 2000 to Jan 2001 and amounted to about £600 ish? I am just concerened that these were initially included in my previous claim which I did accept to a settlement of as the money was useful at the time although I kicked myself afterwards for backing down. I had also informed the court that this claim was settled, so I am not sure about how I could lawfully incorporate these amounts again into a new claim where I would also be claiming for new recent charges and charges pre this period when I get the info from a new SAR i will submit?

 

Brownie24:)

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Hi, I have statements going back to 1997 with Halifax - does anyone here claimed from Halifax on over 6 years. Any help would be appreciated, and OH BOY loads of charges in the earlier years!!!

Regards

DS

 

Hi DS,

I'm just piecing together my POCs against halifax for charges dating back to Dec 1993:eek: I'm going the whole hog and claiming for CCI, too, which should be fun. I'm both excited and peeing myself at the same time, but after my bout with natwest it's all part of the game.

My motto is if you don't ask you dont get:cool:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi DS,

I'm just piecing together my POCs against halifax for charges dating back to Dec 1993:eek: I'm going the whole hog and claiming for CCI, too, which should be fun. I'm both excited and peeing myself at the same time, but after my bout with NatWest it's all part of the game.

My motto is if you don't ask you dont get:cool:

 

Hi

I have just been sent statements going back to 1997 from CAPQUEST who have apparently bought the debt from Halifax. The good thing is we did not know that there were so many charges and with Interest at 8% we are up to £2.5K or thereabouts and the debt was arround £1K. Do you know the rate of interest on a cardcash account! as there is no mention on any of the statements.

 

1993, is even further back! what is CC1 ! anyway, I will now start a thread and perhaps you can give me your thread details so we can help each other. I have been successful on many other charges claims but none as yet over the 6 year period.

 

Keep in touch

Regards

DS

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Hi

I have just been sent statements going back to 1997 from CAPQUEST who have apparently bought the debt from Halifax. The good thing is we did not know that there were so many charges and with Interest at 8% we are up to £2.5K or thereabouts and the debt was arround £1K. Do you know the rate of interest on a cardcash account! as there is no mention on any of the statements.

 

1993, is even further back! what is CC1 ! anyway, I will now start a thread and perhaps you can give me your thread details so we can help each other. I have been successful on many other charges claims but none as yet over the 6 year period.

 

Keep in touch

Regards

DS

 

Responded in your thread, so I'll be seeing you there:)

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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You accepted as settlement for that particular claim. This will be a whole new claim, so yes go for it!

 

Hi Gez

 

So although these charges were incorporated into my old claim but were not paid I could reincorporate them in to my new claim in view of my new understanding of the Limitations Act?

 

Just want to get my head around this properly as I wouldn't want to put myself in a position where the judge could throw my case out!

 

Thanks

 

Brownie24

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I am considering doing a claim against Woolwich for an old account my Husband had back in September 1990. I have statements dating from Sept 1990 to March 1992. Total charges taken was £440.00. Does anyone now what rate of CI interest I can claim?

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i thought we just used the current bank rate for CI.

I have claims going back to 1990 as well and was using 18.3% HSBC current OD interest rate

1990 rates would be high as mortgage rates then were something like 15% hate or actually love to think what that would do to the amount claimed on CI

Could you clarify Zootscoot

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi All, great work done on this thread.

 

I am a bit concerned with the arguments regarding Section 32 (1)(b) of Limitation Act regarding concealment of the true cost of the charges. Would a competent barrister not argue that the opportunity existed for the Claimant to bring forth action regarding the true costs of the charges at various points in time when the charges were applied as opposed to 10 years later. As the Claimant would most likely be aware that charges were debited from the account. So why now would the Claimant contest or seek to verify the validity of the bank's business costs incurred as a result of its breaches 10 years later.

 

I am just wondering if the arguments presented in this thread are cogent enough to defeat the limitation clause. Can someone shed some light if I am missing some critical facts regarding this key point. I have a hearing date set in August over an application to strike out elements of bank charges prior to March 2001.

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sansho e-mail today requires a definitive response, notwithstanding Bank Fodder posting 7 April with reliance on Zootscott, incidentally, can't locate sansho posting on this thread?

 

"I am a bit concerned with the arguments regarding Section 32 (1)(b) of Limitation Act regarding concealment of the true cost of the charges. Would a competent barrister not argue that the opportunity existed for the Claimant to bring forth action regarding the true costs of the charges at various points in time when the charges were applied as opposed to 10 years later. As the Claimant would most likely be aware that charges were debited from the account. So why now would the Claimant contest or seek to verify the validity of the bank's business costs incurred as a result of its breaches 10 years later. I am just wondering if the arguments presented in this thread are cogent enough to defeat the limitation clause. Can someone shed some light if I am missing some critical facts regarding this key point. I have a hearing date set in August over an application to strike out elements of bank charges prior to March 2001

2".

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Hi All, great work done on this thread.

 

I am a bit concerned with the arguments regarding Section 32 (1)(b) of Limitation Act regarding concealment of the true cost of the charges. Would a competent barrister not argue that the opportunity existed for the Claimant to bring forth action regarding the true costs of the charges at various points in time when the charges were applied as opposed to 10 years later. As the Claimant would most likely be aware that charges were debited from the account. So why now would the Claimant contest or seek to verify the validity of the bank's business costs incurred as a result of its breaches 10 years later.

 

I am just wondering if the arguments presented in this thread are cogent enough to defeat the limitation clause. Can someone shed some light if I am missing some critical facts regarding this key point. I have a hearing date set in August over an application to strike out elements of bank charges prior to March 2001.

 

Fair point, but the fact of the matter is that until recently none of us knew that these charges were unfair, unreasonable and not to mention unlawful. We are meerly asking the judge to make the banks justify them.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi,

I sent off a 14 day letter to Natwest yesterday and have now discovered this news!! I only claimed for the last 6 years charges although I have statements showing charges back to 2000, so I have not claimed for approx £350.00. Is it too late to claim? Should I send a revised letter or another letter? Please advise.

 

Thanks

 

debs

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Hi All, great work done on this thread.

 

I am a bit concerned with the arguments regarding Section 32 (1)(b) of Limitation Act regarding concealment of the true cost of the charges. Would a competent barrister not argue that the opportunity existed for the Claimant to bring forth action regarding the true costs of the charges at various points in time when the charges were applied as opposed to 10 years later. As the Claimant would most likely be aware that charges were debited from the account. So why now would the Claimant contest or seek to verify the validity of the bank's business costs incurred as a result of its breaches 10 years later.

 

I am just wondering if the arguments presented in this thread are cogent enough to defeat the limitation clause. Can someone shed some light if I am missing some critical facts regarding this key point. I have a hearing date set in August over an application to strike out elements of bank charges prior to March 2001.

 

In short,

What they have been concealing is the true nature of the charges.

They have always presented them as just being a recouping of their own legitimate costs involved in dealing with such matters, whilst in fact they have actually been profiting unlawfully from them. This means they have in actual fact been penalties all along.

The fact also, that despite all the publicity, The OFT's report, the countless cases they are choosing to settle, and the fact that they employ legal counsel to advise in such matters..... yet still will not provide disclosure of how the charges are calculated, and still persist in presenting them as a recouping of legitimate expenses (yet everything else indicates otherwise) means that the concealment is ongoing, and so our claims of such are uncontestable.

Any rights to protection under the limitation act are voided by this concealment.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Debs,

your claim amount is not 'set in stone' until you file in court. Maybe you should send them another letter, informing them of 'new information has come to light...' or similar, and add your earlier charges.

 

;)

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