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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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Lowell Financial


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Right, I've had a response to the CCA request.....

 

Basically, they've acknowleged my request and will get it to me as soon as possible but have asked me to appreciate the fact that they may not be able to get it to me in the 12 working days stated.....

 

Any advice on what to do next? Should I wait for the 12 days before I do anything else?

 

The 12 working days ends 11/06/07

 

Cheers

 

Philius

 

 

Any advice please guys?

 

Thanks

 

Philius

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Regardless of how long they say it will take them to get the copy CCA...the fact remains they have 12 working days.

There isn't really anything you can do but sit and wait for the 11th June and see what, if anything, Lowells come up with.

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I got the CCA today, at least a photocopy of it anyway. So unless anybody can advise me otherwise, I guess they do own the debt and I'll have to pay it off.

 

So it's back to trying to negotiate a settlement figure. It seems, through previous negotiations, that when I make them an offer they then come back with their own offer of the original ammount minus 10%. When I say that I can't afford that and up my offer a little bit, they ignore me.

 

Any advice on how I can negotiate the ammount down would be really appreciated.

 

Cheers

 

Philius

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Looking back through my letters, in my CCA request I said....

A true signed copy of the credit agreement, together with any other documents mentioned in it, and a signed true copy of the deed of assignment (if applicable), should therefore be supplied to me within 12 working days from the receipt of this letter.

I only received a photocopy of my signed credit agreement which has further t's & c's, on the back (not provided), and a statement of the account. I have not received a deed of assignment.

Where do I go from here?

Cheers

Philius

 

 

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Ok, a more detailed explaination of what i received...

 

Letter 1.

 

We write in respect of the above debt, which, as previously notified in writing we have purchased from Co-operative Bank. We would advise that the nil balance shown on the statement relates to when Co-operative Bank removed this account from their system in preparation for the sale to us. This does not mean that there has been any payment received against the account or that your liability for payment has been removed.

We are now entitled to receive payment of the balance of £xxx from you and enclose a copy of your statement and letter of assignment as requested. Neither Co-operative Bank nor ourselves are aware of any reason for non-payment.

Please kindly make payment of the outstanding debt or contact us within 7 days..... blah blah

 

Enclosed with this letter was a statement, and another letter on Lowell Financial headed paper which said.....

 

I write to inbform you that your co-operative bank account, ref no xxxxxx, has been sold to Lowell Portfolio I Ltd on the 20/12/06. Lowell Financial Ltd have been appointed as duly authorised collection agents for recovery of the outstanding balance.

It is our aim to help you clear the indebtedness you currently have with ourselves by either agreeing a settlement or a repayment plan..... blah blah..

Letter 2

 

We enclose a copy of your original credit agreement with Co-operative Bank in response to your written request to us under Section 78 (1) of the Consumer Credit Act 1974.

We would also confirm the following information as required by the above act:-

Balance payable against your account: £xxxxxxx

Current state of your account: Defaulted

We look forward to your proposals for re-payment within the next 7 days.

Enclosed with this letter was a photocopy of a credit agreement which I had signed. The photocopy includes loan details, APR etc, but DOES NOT include all the T's and C's.

 

 

Please Help!!!

 

Cheers

 

Philius

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Bump.

 

Can anyone help me please? I don't know whether they've actually fulfilled their obligations around the CCA request, and whether they have or not I don't know what the next step to take is.

 

Cheers

 

Philius

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I'm not entirely sure which is why I am asking about my CapQuest one. However, I think they have to provide the terms and condition on the same page - let me find an older post which may help.

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Thanks, that helps, although I'm still not sure if they've tried to pull a fast one. Can a deed of assignment letter be printed on Lowell headed paper? Surely it should've come from the original creditor?

 

I'll try and get what they sent me scanned and posted tonight so people can let me know what they think.

 

If anyone has any ideas in the meantime please let me know.

 

Cheers

 

Philius

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Here's what I got sent when I requested my CCA....

 

ccaak3.png

 

Have they fulfiled their obligations under the credit act by sending this? What's the next step?

 

Cheers

 

Philius

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I have to say, your CA looks pretty right but I can't read all the small print. It has signatures, loan amount, repayments, total charges and repayable and stuff.

 

Could you make it a bit bigger?

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I have to say, your CA looks pretty right but I can't read all the small print. It has signatures, loan amount, repayments, total charges and repayable and stuff.

 

Could you make it a bit bigger?

 

That's what I thought :mad:

 

Looks like I'll have to start negotiations for a full and final settlement all over again.....

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Hi there Philius, will this do?

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other

__________________

 

I know this isn't good news for you, but it makes a change to see a proper CA on the forum, thanks for putting it up, it will help lots of other members.

Good luck with your FFS:)

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Philius, can't really help with the letter BUT you must know that Lowell offered to settle for 25% of my former MBNA debt (2.5K - original debt 10K). Bearing in mind that they buy these debts for around 5% of their true value they would do very nicely with that. Unfortunately I didn't have 2.5K to hand at the time.

 

Linda

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Just a quickie Stadium!

 

Can you advise me on how I show a "quote" on my thread (with the background in grey). Not sure how to do it :confused:

 

Cheers!

Hi brassed off, highlight and copy what you want to quote, then just above the box you reply in will be what looks like a speech bubble (3rd from the right) click on that and it will bring up

boxes. Paste whatever you've copied between them. Or,if you are using the quick reply button you can just type it in manually... ie, [ quote ] (your quote here) [ / quote ] (but without the spaces)

Hope that makes sense:)

 

edit: just noticed the quote bubble is in quick reply too.

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Philius, can't really help with the letter BUT you must know that Lowell offered to settle for 25% of my former MBNA debt (2.5K - original debt 10K). Bearing in mind that they buy these debts for around 5% of their true value they would do very nicely with that. Unfortunately I didn't have 2.5K to hand at the time.

 

Linda

 

Very interesting... Thanks for that!

 

When I made my 1st FFS offer (£3500 for a £9000 debt) they refused it and came back with an offer of 90% of the original debt. I don't have anywhere near that sort of money, as it is a family member has offered me the money so I can get back on my feet. I upped the offer to £4000 (after begging my relative) and heard nothing from Lowell apart froma letter asking me to call them dispite stating that all communication was to be written.

I guess I write to them again offering the same ammount?

 

Cheers

 

Philius

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Very interesting... Thanks for that!

 

When I made my 1st FFS offer (£3500 for a £9000 debt) they refused it and came back with an offer of 90% of the original debt. I don't have anywhere near that sort of money, as it is a family member has offered me the money so I can get back on my feet. I upped the offer to £4000 (after begging my relative) and heard nothing from Lowell apart froma letter asking me to call them dispite stating that all communication was to be written.

I guess I write to them again offering the same ammount?

 

Cheers

 

Philius

 

 

Hi,

 

I did write to Lowell on 11/6/07, again offering a FFS. And today received a letter from Red Debt Collection Services on their headed paper. At the bootom of the page it states that Red Debt Collection Services are a trading style of Lowell Financial Ltd.

 

The letter said....

 

Dear .....

 

We have been appointed as the autorised debt collection agents by our client Lowell Portfolio I Ltd to recover an outstanding balance owed to them after they purchased your original debt from Co-operative bank.

 

We recognise that unforseen circumstances may sometimes affect people's ability to meet their financial obligations and understand that it may be difficult for some people to discuss these matters. However, our client has given you numerous opportunities to enter into a repayment plan that YOU COULD REALISTICALLY AFFORD.

 

We therefore can see no reason why your account remains in 'non-paying status' and therefore require payment immediately.

 

If you are not in a position to repay the full outstanding balance today you must call us and offer either

1 An ammount of money for our client to close your account

2 A monthly repayment ammount

 

Unless we hear from you within 7 days from the date of this letter we will assume you are unwilling to repay your debt and therefore we will have to look at other ways of how to recover the debt possibly by commencing legal action against you blah blah.......

 

Right, first of all I've been trying to offer an ammount to close the account for over 4 months, secondly why has this debt been transferred to yet another arm of Lowell Financial Ltd, and thirdly why have they not responded to the offer I have made?? I have given THEM numerous opportunities to close the account!

 

What do you suggest I do next? Should I write exactly the same offer letter to Red DC Services that I sent to Lowell Financial last week?

 

Cheers

 

Philius

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What do you suggest I do next? Should I write exactly the same offer letter to Red DC Services that I sent to Lowell Financial last week?

 

Yes - keep a copy & send recorded delivery; there isn't much else you can do at this stage to be honest. It's not your fault that most DCAs are so poor at administration it's laughable...

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