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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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Salesman V Abbey


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Hi everyone, I stumbled across you guys the other day, without being rude I didnt know you existed. I thought I would let you know where I am with my claim against the charges that I am currently doing........any help or advice from anyone would be greatly appreciated as I felt so confident until I looked at some of you others threads and realised that this is almost a full time job!!

Basically I wrote to Abbey HQ for my Discloser Request on April **th and sent the £10 cheque with it.

Abbey's Pam Speed wrote back on May **th with a copy of the charges going back to Jan 04 on there spreadsheet, saying the rest would follow as soon as possible. Then a few days later a copy of two statements from September and October of 2006 and randomly a letter/flyer telling me that if i use my card I could be entered for a prize draw!!!!!

I replied back to Pam Speed on May **th explaining I now thoght these charges were contary to the Unfair Terms in the Consumer Credit Contracts Regulations 1999, that I had requested by statements under the DPA but i had not recieved the full information buit I was going to use the information given on a pro rata basis to give me my claim plus my £10 DPA fee plus charges now levied against me for exceeding my overdraft, and gave them a further fourteen days to return the monies.

Unbelievably I got a reply dated the *rd June, a sunday!!!, from Andrew Nanson in a different department at Milton Keynes this time saying they were looking into my complaint!

I responded on the *th June that they had failed to adhere to the DPA, that they failed to dispute the amount and that they had failed to adhere to the Banking Codes Standards Board re a complaint would be dealt with within 40 days of an original request. I also reminded them as to the date that the 14 days were up!

Then I got a letter from Allen Betts, Head of Unsecured Debt Management, also in Milton Keynes, telling me to make sure there is enough money paid into the account to clear the unauthorised overdraft.

I have just replied bak telling him that he is the fourth person I have dealt with and refered him to his own collegues and to send me a cheque for the balance owed between my claim and the overdraft. Nothing if not fair I thought!!!!

I am now in the process of trying to put this on to Form NP1 and send it to my local County Court but am unsure of how to proceed with both the claim (not having received all the statements) and how to complete the form, as what I was going to write is different to the example in your library.

Any comments would be greatfully recieved.

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I would suggest spending some time reading the FAQs, this will give you an idea of the correct process to follow.

You do not say if you have sent a prelim letter or LBA, which you need to do before filing in court, but there is a section in the library explaining how to fill in the N1.

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Hi Path finder,

I have sent my own/BBC web site http://news.bbc.co.uk/1/hi/business/6170209.stm versions of both the prelim and LBA letters, which before reading some of the ones on here I thought were great!!! However the fundementals are still the same as is the tone and basic content.

As things stand at the moment I gave them until **th June to comply or face legal proceedings, hence I'm at the point of completeing the form N1.

However I have not mentioned interest throughout the proceedings as i didnt feel i could prove the interest on what is a estimated amount of claim. Should I go back and do that? Would this mean starting the whole process again? Questions questions I have so many questions all of a sudden!!!!

Also I have been told that I dont complete the Statement of Truth section on the N1 form until I appear in court? Is that correct?

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Hi there

 

Re the interest, do you mean Contractual Interest or statutory 8%?

 

If it's the latter, then there is no problem; this can ONLY be claimed at the N1 stage, and should not be asked for in your Prelim or LBA.

There is a spreadsheet on here to calculate the 8%:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

However, on an estimated claim this is tricky because you need to know the actual date of the charge in order to perform the calculation.

 

If it is Contractual Interest, ie the interest they charge you for going o/d, then this has to be asked for in your Prelim and LBA, and cannot be added to the Court claim if you have not done so. (You have to start the process over with them in order to claim this.)

 

Also, because they have failed to provide you with the information within the statutory 40 days, you should have a look at the non-compliance letters here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

As far as the Statement of Truth goes, I believe you DO have to complete this, have a look here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Hope this helps

 

Jo xx

Six Nations Champions 2009

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I think that my letter below covered the non compliance??

 

Due to recent media coverage on bank charges I now believe that you, Abbeyhave been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation. I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79 along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

I requested my bank statements for the last sixyears under the Data Protection Act Disclosure Request on the **th April, 2007. I refer to your reply dated **th May, 2007 which actually contained the breakdown of charges both applied and refunded from this account during the period January 2004 and March 2006 inclusive, the total charges deducted during this period come to a total of £****.**p. You have however worded your letter to look like all charges from January 2004 to date where included, which they were not. Additionally you stated “before January 2004 details of charges for this period will follow as soon as possible” however the only other information that has been sent to me are statement nos. *** and *** which refer to **nd August, 2006 through until **nd October, 2006. This despite acknowledging my paid £10 fee under the Data Protection Act, which was banked on **th May, 2007 and not carrying out the requested information let alone complying with the forty day time period.

Therefore I have estimated that over the last six years the total amount of charges you have applied to my account is £****.**p plus as stated in my letter dated **th April the £10 DPA fee. Further I shall also be seeking the additional charges currently being applied to my account after I started pursuing the last six years worth of charges in April of this year, which total £**.** in May 2007 and £**.** during May of this year. Consequently I require you to refund me a total of £****.**p, representing the total, unlawful amount charged during the last 6 years plus additional charges applied during this process. If you disagree with this amount please supply me a copy of all the charges applied to my account dating back six years within the next seven days.

I hereby give you fourteen days to refund all the charges dating back six years on to my account, plus provide evidence that this is the total amount. For the avoidance of doubt, if this is not done within fourteen days, I will commence legal proceedings without further warning. This action will inevitably involve you paying additional costs.

I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against.

and this covers my LBA????

 

I acknowledge your letter of *rd June, 2007 in which you enclose a complaints leaflet. I do not feel it necessary to re-quote my letter dated **th May, 2007 as I am sure it will be on your records. I would however comment as follows;

1. You are the third department that I have dealt with and as yet I have not received the full information that I requested originally on the **th April, 2007 a period of 54 days or seven weeks five days ago.

2. Your companies’ failure to adhere to the request under the Data Protection Act Disclosure Request is reportable to the Information Commissioner’s Office and makes you further liable to court action.

3. That I gave you seven days to disagree with the amount to be refunded in my letter dated **th May, 2007. This has not been disputed within the allocated time and therefore that you agree to the amount to be refunded. You state in your reply dated *rd June, 2007 that “I do hope to find a solution that you are happy with”. This, of course, will be a settlement of the full sum stated in my letter **th May, 2007.

4. That within your own leaflet on complaints you state

“We promise to

send you our final response within eight weeks of your original complaint to us, or write to you explaining why we haven’t completed our investigations and when we will have done so.”

I refer you to point one within this letter and the time frame so far. This then leaves you until the *th June, 2007 to avoid an investigation by the Banking Codes Standard Board for failure to comply with the complaints procedures enacted under Parliament in December 2001, and further investigation by the Financial Ombudsman Services for this same failure, both of which I feel apply to this case and thus will be instigated, if necessary.

5. Further, I gave you fourteen days, from **th May, 2007 to refund these monies or face legal proceedings. This still stands and thus gives you until **th June, 2007 to comply.

Hows it looking to you experts out there??

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Hi again

 

Watching with interest - filed my N1 last Friday, so hopefully we can compare notes!!

 

Best of Luck

 

Jo xx

 

p.s. re the Non-compliance, your letter was great. Sorry I didn't get round to replying sooner, but yes it covered the issue beautifully, at least to a complete non-expert like me!

Six Nations Champions 2009

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Thank you for your support.

Just to rid my frustration factor I filled out a Complaint form for the FSO against Abbey this evening too!!!

My dander is raised!!!

Let us know how your going too

xx

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

Ok been a while, so for an update...

 

ShAbbey have voided my overdraft and accused me of being unable to reach a settlement of the overdraft the cards and cheque book back and they have stopped all DD's and SO's, I wrote back and said you have effectively closed my account and asked for the balance of my claim v the overdraft to be sent to me!!!

 

My claim went in on the 6th and the 14 days were up on monday 23rd but they acknowledged my claim on the 18th I got notice from the court this morning.....naybe a new record for them to acknowledge a claim 12 days and not the normal 14!!!!

 

I await there defence!!! Now trying to save the AQ money before my holiday!!!!

 

Any help/comments on what to do next would be greatfully recieved.

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For the statements? She wrote that she would forward them on!!! I sent a complaint to the Ombudsman but there still waititng to start an investigation but are busy dealing with all the other complaints!!!

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Hi Salesman,

 

I was just checking in to see how you are getting on. Still no statements huh? :mad:

 

Have they exceeded the 40 day limit yet? If so, have you considered taking them to court to ensure their compliance? It might be worth considering.

 

The estimated charges that you have filed, does it cover the whole length of your banking history with them?

 

Anyway good luck with everything I'm a couple of weeks behind you. I issued my N1 on 13/7/07 it was deemed served on 20/7/07, so the count down begins.

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee

No they exceeded the 40 day limit back in May!!! I sent my complaint to the ombudsman, but thats in a massive queue!!

I used the 14 months worth of charges pro rata them to go back 6 years and sent the estimate back to them saying if they disagreed to let me know and if not I would consider it to be accurate and therefore the amount owed to me!!!

Your court must be busy cos I took my claim in on the 6th July and they deemed it served on the 8th!!! I expect they will acknowledge it and enter a standard defence on the last day!!!! but dont worry I havent read a single thread on here that they didnt not pay!!!

 

The only thing for me is that I have not heard a single thing from shAbbey maybe they dont want to negociate with me!!!

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Wow I recieved a typically shAbbey offer.................£170!!!! yes 170 thats one hundred and seventy but check this bit out its for the charges they were going to apply to my account next month!!!!

Needless to say a strong worded letter is being written!!!

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Ok letter of rejection done for the £170 offer I had yesterday.

Next question guys........

They sent me Notice of register to default!!!!!

Do I send the Notice to s.10 of the Data Protection Act???

Also do I mention that I have had a GOGW offer from another dept?

Do I mention that they should contact their legal dept???

All these questions!!!!!

HELP

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Hi fellow litigants,

Can someone check this over for me please?

Feedback required

Thank you in advance

Allen Betts

Head of Unsecured Debt Management

Abbey House

P.O. Box 534

201 Grafton Gate East

Central Milton Keynes

MK9 1AN

25th July 2007

Notice pursuant to s.10 of The Data Protection Act 1998.

 

 

Re: account no.******

Account holder. Mr **********

 

Whereas I have been a customer of Abbey for over 15 years and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998.

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

Further I would draw your attention to my previous correspondence to you where asked you to confirm that you indeed have my multi-function card and cheque book, you have still not done so. Additionally you have not responded to my request as to when I would receive payment from you.

Also I am unsure whether you are aware from other departments within your organisation that I commenced legal action against Abbey for the full amount and costs on **th July, 2007. May I also point out that another department has already sought to offer a gesture of goodwill payment in settlement, this I have rejected as it was not for the full amount. I would ask that you now refer this matter to your legal department for further instruction.

I look forward to answers by return.

Yours truly,

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  • 2 weeks later...

did no one give u feed back salesman how very rude well it looked ok to me did it work then did u get the missing ones then cos this was a while ago ill bump it for you see if that helps xxxkia

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Hello Salesman.

 

Sorry too! :)

 

It looks fine to me too. I would also take a look at SurlyBonds letter Defaults - a proposed method for removal and the full template letter for reference (if you have not already done so). ;)

 

Let us know how you get on.

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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ill bump it again see if he gets any more comments how are you dee dee now where u been love well have to liven this thread up again between us late night for u to eh !!!!xxkia

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Hey Kia.

 

I'm good. How are you? Whoops I didn't realise it was that late/early - depends how you look at it!!! :p;)

 

I'm off for a picnic, so won't be around until later.

 

Yes Kia, we'll ty and liven up the thread without getting told off by the CAGbots. Hee hee :lol:

 

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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