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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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rockinrodders V Cap One inc contractual claim


rockinrodders
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Hi

 

Statements received today from Capital One. total penalties including interest paid on fees is £372 and fees date back to 2001/2002

 

I ran it through the compound contractual interest sheet and total including compound contractual interest comes to £1657

 

I used the rate at which I used to pay on the card which was 29.9%

 

The interest is very high which is why I wanted to make sure that the claim was reasonable. Does this look ok or will a juge laugh at me?!

 

The tricky bit though is that the debt went into default in late 2002 with balance of £507 and after a few weeks of letters from the collector they rang and said if I paid today they would accept £250 in full and final settlement. I did so paid the £250 and heard no more. My credit report shows the default at £507 and shows as satisfied "A partial settlement has been accepted in ful and final settlement"

 

Therefore I saved paying £257 so will they insist on taking this off the amount of the charges or am I ok to claim the full amount seeing as the account was payment was accepted as 'full and final settlement'?

 

Thanks again for the great help of the CAG and its members!

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Have you got your letter from DCA to say full and final, if not give them a ring and just get them to confirm the details, maybe even get a letter so you have this to use later. In answer to your question about reclaiming all charges, the answer is yes, claim for every one of them. Don't forget as well if they have registered a default against you, make that part of your claim as well.

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Thanks for the reply.

 

I havent got a letter from the debt collector anymore as it was a few years ago.

 

The data reported by Cap One to equifax confirms that the account was satisfied by a partial payment in full and final settlement.

 

I'll try and track down the debt collection agency and ask them to send a letter to confirm.

 

Are they likely to send me this again or will they try and be difficult?

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  • 3 weeks later...
  • 2 weeks later...

Just got the measly offer letter from Cap One. £114 against my total claim of nearly £2k

 

The letter said we have refunded the £114 against the outstanding balance which now leaves the balance at £126

 

The account has been closed for 3 years although I did settle it with a partial payment to the debt collection agency which was a full and final settlement.

 

They have reported the account as satisfied and 'a partial payment was received in full and final settlement of the account' to equifax and experian.

 

I'll write back and remind them of this when I reject the nonsense offer.

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Keep going!

 

They have just offered me £128 against a claim of nearly £3k

 

I'm just drafting my "I don't flipping think so" letter! ;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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I don't know Trucker - but maybe it should be! ;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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How come you have nearly £1700 in interest? where did you work that out from 300 quid in charges?

 

My claim is for £120 of charges and my contractural is nowhere near half of yours. in fact its about 50 quid at the rate of 18% APR.

 

account was closed a year ago and i'm claiming over about 3 years (time at which i had the account).

 

incidently, they offered me £48 as full and final settlement. Trouble is i want to call them, on the number provided, and discuss (as i'm currently offshore) but all i get is a bloody call centre in india.

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Chris_D

 

I got the £2k figure by using the Compound contractual interest spreadsheets from Vampyres chambers and I used my rate of 29.9% which is what they charged me for purchases when I had the card (Some people use 34.9% as that is their current rate)

 

All of my charges were from 2001 and 2002 so the interest had been building for a few years.

 

I double checked the calculations using another spreadsheet I found on the site and it added back to the penny, so the numbers look ok.

 

If yours is really low are you sure your using the contractual interest spreadsheet and not the stat interest spreadsheet?

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With regards to the partial settlement that I made on this Cap One account to pay it off thru the debt collector, although they agreed it was a full and final settlement of the account, they now said that the goodwill £20-£12 refund they gave me was offset against the balance of the account as it was partially settled leaving a balance of £113

 

Obviously I wrote back and refused the goodwill payment and also reminded them that the final payment (260 vs actual outstanding balance of £500) was accepted as full and final settlement by them in 2002.

 

As I am claiming Contractual interest, do I need to deduct £240 (unpaid balance) from the total, or do I need to add it as a minus to the contractual spreadsheet or just ignore it?

 

Value of charges and purchase interest was £372 but with contractual it comes to just over £2k now as it dates back to 2001-2

 

If I add the minus figure to my spreadsheet as at the date of the partial settlement it reduces the total by £700 because of the contractual interest.

 

Any help much appreciated.

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I also paid a full and final settlement to DCA on my O/Hs account but backed myself up with a letter to that effect from both DCA and Capital One before I started the claim. If I were you I would get in touch with the DCA and ask them to send you out a letter of confirmation saying it was a full and final payment. Just stand firm with Cap One - I'm not sure they should be collecting the £240 towards this balance as it was a full and final settlement so get it in writing from DCA and forward a copy to Cap One.

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Thanks Doo

 

Ive just read the thread about some guy losing a high court case to claim contractual interest and thus set a precedent.

 

As Ive got to file my N1 on Monday, shall I still continue with the contractual or concede loss and go with Statutory only?

 

The main argument was the reciprication of their ratees etc and that was what the judge ruled against. Some people are talking of slightly different arguments for contractual interest but their not well developed yet, so dont want to waste my time filing (and paying a higher fee) if Im likely to lose.

 

Any thoughts guys

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rockinrodders I am claiming contractual but put in my POC statatory interest should the judge not approve contractual. Basically it gives the judge options. My claim is being heard this week and cap1 havent acknowledged it so if you want to hold on a couple of days I will let you know the outcome. Here is a link to my thread with the full poc on it KM_S v Capital One

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Thanks KM_S that is just what I needed.

 

I hope you didnt mind me 'borrowing' a couple of paragraphs from there.

 

Only problem is when I paste onto the N1 template it is too big and scrolls down the page, then when you print it some of it is missing.

 

Do you know if I can continue it on a seperate sheet and attach it?

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Hiya yes you can attach a seperate sheet just make sure it has your name and account number on and attach it to the claim form. I did and it was processed fine

GE MONEY- Settled 5/06/07

Capital One - Won 15/06/07

**Treat everyone as you would expect to be treated yourself**

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Yes I included the removal of the default as one of the conditions on the POC, I borrowed the wording from KM_S thread, the link is a couple of messages up

 

The default was much more important to me than the money, so I'd negotiate a lower cash refund as long as they wipe the default and all other data off.

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I sent the S.10 letter to Cap One, Littlewoods and a rental company back in April. Within 7 days the rental company (dialatv) had removed the default no problems, eventually Littlewoods removed one default grudgingly saying they didn't have to but would as a gesture of goodwill as it was due to come off in August anyway. I'm still pursuing them for the second one.

 

Cap One never replied to my S.10 letter, despite me including £1 for a copy of the agreement and default notice. Its well outside their legal timeframe, so I included it in the particulars on my N1

 

The N1 was posted to the local court yesterday, does anybody know approx. how long it takes for them to issue? Do they wait a week for my cheque to clear before issuing?

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Hi rockinrodders ............

 

I posted my N1 on Friday 25th May .......... The cheque came out of my account on Wednesday 30th ........

 

I went on holiday on 5th June for a week but the court had sent me confirmation and dates for acknowledgement, and date deemed as served. That was waiting for on 12th June.

 

Cap one paid up on 20th June inc 34.9% CCI

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They still are paying out with little hassle. Just the wait now.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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