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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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1st Credit Demanding Payment


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My feelings exactly

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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Yes but if its put to them if you don't remove the default you can wait for the money or get the default removed and I'll pay you a nice lump sum.............saying after all I've nothing to lose.................

 

If he plays it well I think they'll back down - I've seen it on other threads

 

Fair point, i suppose theres nothing like a lump of cash as a bargaining tool ;)

To quote Public Enemy.........

"Fight the power, fight the powers that be" :D

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the DCA cannot default her if they cannot prove the debt. I also think she would have a good case to fight the original lender over a default that wasnt entirely of her own making. Obviously the person in the origal lenders office went to the same charm school as the DCAs. I would put my case in writing to the original lender

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the DCA cannot default her if they cannot prove the debt. I also think she would have a good case to fight the original lender over a default that wasnt entirely of her own making. Obviously the person in the origal lenders office went to the same charm school as the DCAs. I would put my case in writing to the original lender

 

Hi guys,

 

Just to clear up any confusion I'm a he :D

 

It just doesn't sit right in my mind that I get defaulted in such circumstances and so I will do everything I can to stop it happening. I'm going to try to do my best this weekend to not think about it. Then on Monday at 10am I'll discuss my options with my solicitor. I wonder how many calls I'll get from 1st Credit before then?!

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Are you aware that a default notice has to be served on the debtor to be valid? The default notice also has to be accurate (specific to you) and contain prescribed terms to be valid.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi all,

 

Latest installment .....

 

Received settlement letter offer from 1st Credit this morning. Interesting points to note are:

 

  • My name is spelt incorrectly.
  • They have given me until end of July to make full payment (previously it was due mid-July).
  • There is no mention of need to pay something immediately.
  • There is no confirmation of a default not being recorded on my credit file.
  • The letter is dated 22nd June (yesterday) despite the fact that I was told yesterday that 'a letter' was sent on 21st June.

I'll take it along with me to solicitor on Monday but would I be right in thinking as they don't have the correct name on the letter I haven't actually been issued with the demand so don't arguably need to act?

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It just shows how incompetent tey are. Sorry to sound negative but 1st credit are not reknowned for their integrity and if you read other threads about them on here you will find what they are really like, They will soon start on their usual harrasing threat calls. Go down the CCA route before you do anything. They may appear to be offering to save you 4 grand when in actual fact they may have no right to demand anything

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It just shows how incompetent tey are. Sorry to sound negative but 1st credit are not reknowned for their integrity and if you read other threads about them on here you will find what they are really like, They will soon start on their usual harrasing threat calls. Go down the CCA route before you do anything. They may appear to be offering to save you 4 grand when in actual fact they may have no right to demand anything

 

Needless to say another phone call just received that I rejected. No voicemail this time. I simply sent another e-mail stating that I have requested on numerous occasions yesterday that I do not want to be contacted by phone and to put all communication in writing.

 

I am definitely not paying anything given the incompetence and blatant lies they have told so far. I'm going to wait until I've seen my solicitor on Monday but am highly likely to be requesting the CCA that afternoon.

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Are you aware that a default notice has to be served on the debtor to be valid? The default notice also has to be accurate (specific to you) and contain prescribed terms to be valid.

 

Sorry Rory, could you explain this a bit more for me? Does this mean they would need to notify me of the default?

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Does this mean they would need to notify me of the default?

Yes, by sending you a default notice that conforms to the CCA1974 and the Consumer Credit (Enforcement Default and Termination Notices) Regulations.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Yes, by sending you a default notice that conforms to the CCA1974 and the Consumer Credit (Enforcement Default and Termination Notices) Regulations.

 

Just checked the terms of the loan and it does state clearly:

 

"If you fail to pay any monthly installment ... we shall have to give you at least 7 days' notice in writing, to give you a chance to put things right, if this can be done, or to pay us compensation, if not. This is called a default notice."

 

I have never received one of these. First communication was from 1st Credit telling me the entire balance was due!

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Just checked the terms of the loan and it does state clearly:

 

"If you fail to pay any monthly installment ... we shall have to give you at least 7 days' notice in writing, to give you a chance to put things right, if this can be done, or to pay us compensation, if not. This is called a default notice."

 

I have never received one of these. First communication was from 1st Credit telling me the entire balance was due!

 

Then the default isn't valid. Send off for your CCA immediately too. If you're seeing your solicitors tomorrow the court case to cite re the CCA is Wilson v Minister of Trade & Industry 2005

 

Don't let them intimidate you these DCA's & never trust a word they say.

 

Good luck tomorrow & let us know what's adviced

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Hi there,

 

Sorry for the delay but after another week of fun and games here is the latest ...

 

Met with solicitor who advised the following:

 

a) It is very strange that my the lender did not state anywhere in the terms of the loan what happens when someone leaves employment.

b) I should approach 1st Credit asking for confirmation that they will accept £6500 as full and final payment and that the only adjustment made to my credit record will be to show the file as satisfied.

 

So I e-mailed 1st Credit asking for the above. 2 days later I received an e-mailed letter stating what I had asked, clearly stating they will update the file to show as 'satisfied'. I then presumed all would be okay.

 

However .... 2 days later I received a subsequent e-mail advising that they had spoken to the lender and they said they will only update it to show partially satisfied.

 

Solicitor is now away until Thursday and I'm getting sick of it dragging on!

 

I have just checked my credit file and the account is now showing as defaulted - b***ards!

 

Whilst I just want it to go away (and paying seems the easy option) I REALLY do not want that default hanging around for years especially when I was never even notified!

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Hi Cluedup,

I've dealt with 1st credit, like you by email. It's all sorted now thankfully in my favour but since, I've been getting some very strange spam emails.

I'm not sure if they're related but from now on I'm going to use a disposable email when dealing with DCAs.

If you notice the same would you let me know? Anyone else noticed this?

 

Just because you're paranoid doesn't mean they're not out to get you:)

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Play hardball - say no lift default then will pay debt at 10 a week. lift default i'll pay you the 6.5 k (or whatever). They'll cave in if you stand firm..........

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Yeah DCA's like cash now rather than later. Keep plugging away at them, they will cave. Just make sure that any offer is accepted in writing as a full and final settlement with no strings attached.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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