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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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    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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woodwa5 v abbaey and others


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Hi everyone,

 

I thought i would start writing as i am at the beginning of this journey.I have started with a claim against the Abbey but am owed thousands by Nat West and credit card companies.

 

So far I have sent the Standard data request asking for the last 6 years of statements from the Abbey. I eventually got all the statements up to the point where they started levying charges on my account (Jan 2004). I have now sent them an LBA stating that they should send the remainder within the next 7 days or face court action.

 

About 2 years ago they started levying charges onto my account to the extent that I was overdrawn by £4500 and they put me on their debt management plan. Since then I have had to pay them £250 per month off the overdraft and I am now down to £450. They have taken away my checkbook and also my visa debit card and will only let me have a visa electron. Due to all these problems I couldn't pay my mortgage and my house was eventually repossessed.

 

I have managed to sort myself out now and really want this money back. I don't know how much they owe me in charges but at one stage they were taking more than £1000 per month off me.

 

Will appreciate any help and advice from everyone out there,

 

Regards,

 

Woodwa5

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Welcome!

 

You've done the right thing by posting on here. Sounds as though you've had a really rough time. There are lots of fab people who will help you every step of the way so don't be afraid to ask.

 

I haven't had a problem with getting my statements but if you have a look in templates library you should be able to find what you need

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Hope this helps & good luck!

 

Villafan

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Bless you! Go for it, they have treated you appaullingly, there is no way you should have been put into that financial and no doubt stressful situation. Follow the steps, I can only speak from my exerience so far, I find it a little daunting, understanding the legal stuff but all the help you need is on this website, as long as you follow it you should be fine and more importantly RICH!!!!! You will get you revenge and all the money back that they have taken from you.

 

Don't give up!!

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  • 2 weeks later...

Hi,

 

I still haven't received any statements from January 2004 onwards. These are the statements with all of the charges on them as the pre-2004 statements are clear. I have sent them a letter threatening legal action and chased them up on the phone twice, what do i do next?:cool:

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I can't actually remember if it says anything on that part of the instructions. I take it you have sent the letter threatening court action for not supplying the data?

 

Stick with it, don't give up, they will turn up, mine turned up about 2 or three weeks after the 40 day deadline, after I had complained to Abbey and the officials. Its because it is on microfilter it does tend to take a bit longer. But any other ways people suggest you chase do that also.

 

How long past the 40 day deadline is it?

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Hi poohbear,

 

It's about 76 days and counting now. I threatened court action about 2 weeks ago. I sent an e-mail as suggested yesterday stating they have 7 days and this is their final warning and they returned saying they will re-request,

 

Regards,

 

Woodwa5

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Hi,

 

It's now comming up to the 90 day mark and despite 3 letters, 3 phone calls and 2 e-mails i still haven't received anywhere near all of the statements (missing 3.5 years). I am going to have to take enforcement action now. Does anybody know what the form I need from the court is called,

 

Woodwa5:mad:

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  • 3 weeks later...

Well,

 

3 and a half months after sending the original requests I have received a spreadsheet summarising the charges from the missing 2 and a half years statements. At least i can now start to put together the first request for charges back. I think I will still try and get the missing statements although the spreadsheet is very useful.......watch this space,

 

Woodwa5

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Hi everyone,

 

Well I have done my spreadsheet and the amount of charges they have taken off me since 25/04/2004 is £5160.00. I have not counted the £20 for every time they say I have gone into an unauthorised overdraft, do I include this? Also I have not included the 8% yet as I believe i don't do this untill court. I will send this as soon as i have an answer on the unauthorised overdraft fee question,

 

Woodwa5:D

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Hi there

 

I am probably not the best person to advise you (!) but I do know for definate this:

 

Yes the £20 charge for unauthorised o/d is a penalty charge and should be included

 

And yes you are right about the 8% interest - it only goes on at the Court stage.

 

Best of luck

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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I have added the unauthorised overdraft fees now and I think that I am ready for my preliminary request. One more question, how do I calculate the overdraft interest that they have charged me? Looking at the prelim letter in the library I include this at this stage,

 

Woodwa5:rolleyes:

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My other half got one with Barclays, with an Electron card (and our credit file reads like a horror story!)

 

They said they would review the account after 6 months, and if all ok would then consider an overdraft and upgrade the card, so it might be worth a shot.

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Can anybody recommend a basic bank account for someone with a crap credit rating?:p

 

 

Try Yorkshire Bank. I understand that despite a crappy rating there is a possibility u can get a Current Account. Why not just open up eg. Nationwide Cash Builder Account, keep it running ok for about 6-12 months and they will upgrade u to the Flex Account. This is the one I have and the woman inside Nationwide told me that this will be the case if I keep the account running ok (money coming in consistently and maintain a good balance.

 

Hope this helps.

 

Andy

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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What is the name of that Barclays Account. I have tried for an Account and was told 'no'. Nationwide yes:D .

 

Andy

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Well, I got a letter from the shabbey today saying that they are sorry that i've felt the need to make a complaint and they will write to me in four weeks time to tell me how it's going. They seem to be trying to encourage me to go through their complaints system (which i obviously won't do). Phoned them up and said they have the orginal 14 days before I issue an LBA. The woman on the phone was very polite and i'm sure gets this every 5 minutes............we'll see what happens next:cool:

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completely ignore the deadlines they set, they are simply there to try to delay you, 14 days: issue LBA further 14 days: file claim

 

stuff them and there 4 weeks, which then turns into another 4 weeks, which then turns into sorry we are unable to help you as our charges are fair ...blah blah blah

:madgrin:

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  • 2 weeks later...

Well it's 14 days.

 

I would like to send the crabbey an e-mail to give them the opportunity to cough up today or I will start adding 8% and costs to the claim. It probably won't work but does anybody have a suitable e-mail address,

 

Woodwa5:cool:

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Hi there its poohbear, been on hols so haven't been on here for a while, well it looks like you are getting there slowly. It is a pain and that is what can put people off sometimes, the banks pray on that, thats why they wait for it to get to court, to put people off.

 

I have to say I could ask you for some advice and maybe we could sort of go through it together, looks like you are going to be claiming a large amount, I decided to go for it all in one go because the court fees would have added upto over the £250 for over £5000 claims. I am not sure about the correct court process for bigger claims, is it still small claims court pack or something else?

 

Again, I am glad you got the info. Oh by the waym, I opened a basic bank account with Halifax although more to be on the safe side, rather than bad credit rating but they don't do a credit check and give Visa Electron, not sure if they look to upgrade the account after 6 months though, didn't even ask that.

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