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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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Is My Agreement Enforceable - Useful


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I just cant get my head around this at all.These forums still mentioning unenforcible agreements.What if in my case there are not ANY agreements in place.We have been going around in circles since last July,three companies havent provided anything other than terms and conditions.They state thats all they have to provide and have said they can not produce the agreements.If they did have them I think we would have gone to court by now,but still we get hounded by solicitors letters and debt collectors.FOS are now investigating but I presume it will come to nothing.IF there are no signed agreements than these companies are operating my dads accounts illegally as they shouldnt be sharing data,shouldnt be adding defaults,and shouldnt be using anyone 3rd party.

 

IS this correct? could anyone with professional knowledge please advise me?thanks in advance.:???::???:

 

Not a professional opinion but from my experience the position is as follows.

 

If the agreement is uneforceable then all that it means is that a Court is not given powers under s127 of the CCA.

 

The debt will still exist.

 

As the debt exists the OC or any Company/DCA that it may have sold the account to are allowed to report the status of the account to the CRA's - although a default is only supposed to be registered once - in practice you may get more than one default for one account. The way to stop this would be to have the agreement declared "unenforceable" in court.

 

The OC or DCA will attempt to collect the outstanding debt but with much less venom - especially if they know that the agreement is uneforceable. This is no longer considered as enforcement ref McGuffick- v- RBS.

 

You may get some relief from the constant hounding by offering small percentage offers to settle

 

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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Hi Mike . Do you just want the application form part of it uploaded or all the pages .If its the latter i will get back to you after i copy them to the laptop.

Regards

 

Lightningd

 

 

Hi Lightning, copy of the said CCA headed Signature at the top also other copies of rates if any if would do not mind, usually 3 pieces if copy from them.

:mad2::-x:jaw::sad:
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I just cant get my head around this at all.These forums still mentioning unenforcible agreements.What if in my case there are not ANY agreements in place.We have been going around in circles since last July,three companies havent provided anything other than terms and conditions.They state thats all they have to provide and have said they can not produce the agreements.If they did have them I think we would have gone to court by now,but still we get hounded by solicitors letters and debt collectors.FOS are now investigating but I presume it will come to nothing.IF there are no signed agreements than these companies are operating my dads accounts illegally as they shouldnt be sharing data,shouldnt be adding defaults,and shouldnt be using anyone 3rd party.

 

IS this correct? could anyone with professional knowledge please advise me?thanks in advance.:???::???:

They should have a cca signed & dated by you. If not how can they prove the alleged debt exists. Also you need to see a statement of accounts to prove how much you owe. No contract no alleged debt. They can say you owe more money than you do.

 

Regards

Lightningd

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I just cant get my head around this at all.These forums still mentioning unenforcible agreements.What if in my case there are not ANY agreements in place.We have been going around in circles since last July,three companies havent provided anything other than terms and conditions.They state thats all they have to provide and have said they can not produce the agreements.If they did have them I think we would have gone to court by now,but still we get hounded by solicitors letters and debt collectors.FOS are now investigating but I presume it will come to nothing.IF there are no signed agreements than these companies are operating my dads accounts illegally as they shouldnt be sharing data,shouldnt be adding defaults,and shouldnt be using anyone 3rd party.

 

IS this correct? could anyone with professional knowledge please advise me?thanks in advance.:???::???:

If they do not have a signed agreement, then they are sunk.

 

They will however, still continue to chase for the debt. After 6 years it will become statute barred.

 

Theoretically, if they do not have your permission to share data, then they should not do so, but they will, until you challenge that, but it will be a long fight usually ending up in court.

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if they have stated in writing that they do not have the original agreement- then that is the end of it (as far as legally enforcing the agreement is concerned)

 

however- you still OWE them the debt (assuming there are no counter claims for unlawful charges, interest ppi etc)

 

there is nothing stopping them from chasing you for payment- they just cant legally enforce the debt

 

IMO the best way to deal with this is along these lines (to any debt collector that contacts you)

 

dear Sirs

 

Re your reference XXXXXXXXXXXXXXXXXX

 

Your client has acknowledged that they do not have a properly signed and/or legally enforceable credit agreement.

 

until such time as your client provides me with a true copy of a properly executed and/or legally enforceable credit agreement , together with copies of any other documents referred to within that agreement AND copies of any amended or varied agreements and in a form that is Easily legible, i will not communicate further in this matter

 

In short, your client must either now "Put up" or "shut up"

 

all further correspondence of a circular nature will be filed unanswered

 

Yours sincerely

 

 

XXX

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Hi Im a newbie so hope this is in correct place!. Unfortunately I have recently set the ball rolling to set up a DMP with CCCS, which so far so good! One interesting thing that has occurred is that HSBC (one of my creditors )wrote a very strange letter asking for my signaturelink3.gif as it wasnt on their file? I rang them to ask what they meant and she first of all said it wasnt on my file, then changed story to say it didnt agree and would I go to any HSBC Bank, quote my credit card number and give them a new signature? She also insinuated that the DMP agreement was reliant on this happening but I got their agreement next day so this was also untrue. I have had this credit card for over 20 years and have never defaulted (even now is UTD but reduced DMP payments will obviously make a difference) so would appreciate any advice as to what this all means?

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IMO they want to 'recreate' an agreement with a copy & paste signature dmp. Almost postive proof they don't have an agreement.

Don't go anywhere near an HSBC branch with your signature & don't sign anything - not even a letter to them!! Print or use a digital signature.

 

Have you ever applied for a copy of your agreement under S78? May produce an interesting result ;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Thanks for your reply. Unfortunately, I have already signed the DMP agreement which they have although this is on CCCS letterhead. I have never applied for copy of anything - what does "agreement under S78" actually do? I really am not in a position at the moment to upset them as I really need to keep them happy so that they will agree to the DMP. Would it actually be worth me doing this?:?

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You are entitled at any time to apply for a copy of your agreement under S78 of the CCA1974. It costs £1.00. You would need to send a PO (not a cheque), letter of request (no signature-see previous post) & send by Rec. Del. They have 12+2 days to produce it.

The template is here:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

When you have received it, start your own thread, post it up (minus your personal details) & CAGers will tell you whether they think it is enforceable in law. If it is not enforceable, you choose how to take it from there depending on your circumstances eg. as to whether you continue to pay them but be aware that if you stop payments they may take you to court & you would have to prove that the agreement was not enforceable.

However even if you continue with debt management payments they may still take you to court at some point in the future :( but you may want to leave that bridge until it breaks instead of taking an axe to it at this time.

 

A simple S78 request should not rock the DMP status but you may prefer to leave it until you have your plan agreed.

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Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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thanks to beaubrummie,diddydicky,vint1954,and lightningd.This is exactly the missing information i have been looking for to push things to another level.They have all stated they cant find the original agreements.When i used to do car finance there were correct protocol to adhere to and if you didnt sign someone up correctly the agreement was null and void,thats why we had to have a credit licence.Why do these people think they are any different?

I will now use the letter from diddydicky see if that works thanks again i just needed a different angle of things.;);)

MBNA £250 bank charges refunded.:lol:

MBNA claimed £2700 in PPI:lol:

MBNA default removed.

WESCOT balance written off no cca.

WESCOT default removed.

TIME RETAIL.default removed.

LLOYDS TSB.£150 charges refunded

MINT £220 charges refunded.

currently 4 in dispute unenforcible agreements.

HFOS ordered to remove default

YORKSHIRE paid token £200 PPI going now for full £600

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Hi Mike latest development is cap1 sent a scanned copy of standard agreement not signed or dated and printed on the back of their letter together with pages of t & cs. They say this is the documentation i asked for and intend to pursue debt. We both know thats not true and i am just waiting of a reply to a letter i sent them previously before i reply back to their latest joke.

Catch you later,

Lightningd

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Hi Mike latest development is cap1 sent a scanned copy of standard agreement not signed or dated and printed on the back of their letter together with pages of t & cs. They say this is the documentation i asked for and intend to pursue debt. We both know thats not true and i am just waiting of a reply to a letter i sent them previously before i reply back to their latest joke.

Catch you later,

Lightningd

 

 

Hi lightining, usual stuff from them, await the reply to your letter, keep us informed o.k.

:mad2::-x:jaw::sad:
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The Ombudsman said that I can check the legality of the contract with Lloyds Bank only in the court. However National debt line advised me to check it with solicitor company.

I wonder if somebody has ever checked the legality with solicitor before going to court?

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Hi alina

:confused: Which contract? Can you start a new thread on your specific problem stating all the details & actions to date? (minus any personal info of course) Suggest you post in the Lloyds forum where you might get more help than on this long thread here.

Lloyds Bank - The Consumer Forums

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi alina

:confused: Which contract? Can you start a new thread on your specific problem stating all the details & actions to date? (minus any personal info of course) Suggest you post in the Lloyds forum where you might get more help than on this long thread here.

Lloyds Bank - The Consumer Forums

 

 

Thank you.

It is a credit agreement between my husband and Lloyds bank dated 2003, which looks like unenforceable as there is no signature under Term and Condition.

So we searched for advice and looked in the internet where there are lots of companies, which promised to check the credit agreement and give certificate, if they found the agreement is unenforceable. It will be cost up to £300. But we aren’t sure if it is worth.

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where there are lots of companies, which promised to check the credit agreement and give certificate, if they found the agreement is unenforceable. It will be cost up to £300. But we aren’t sure if it is worth.

 

:eek::eek: It most definitely is not worth it!!

 

Start your own thread in the Lloyds forum, post up a copy of the agreement you have (minus personal details) & put a link to it on this thread so it can easily be followed by CAGers.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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:eek::eek: It most definitely is not worth it!!

 

Start your own thread in the Lloyds forum, post up a copy of the agreement you have (minus personal details) & put a link to it on this thread so it can easily be followed by CAGers.

 

Thanks for advice. I’ll post it as soon as I receive all document back from Ombudsman.

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Thanks for advice. I’ll post it as soon as I receive all document back from Ombudsman.

 

:confused: Why has the ombudsman got your agreement??

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Sorry if this is in the wrong place but ive been away for a while and not sure where to post it.

Ive rung my catalogue today (GU) to complain about the £12 charge for a missed payment, which occurs because my hubby gets paid 6 days after they want their money

They won't change the payment date as we requested because they say it's set in stone but as it's a new account and we've only made two payments are they being unreasonable?

Unless we can pay further upfront we're going to get this charge every month :???:

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They won't change the payment date as we requested because they say it's set in stone

 

Sounds like a lazy customer service oppo's fob off to me. Ask to speak to a supervisor or put it in writing.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 4 weeks later...

I have been asked this:-

 

Hi Diddy

I know it seems to be a commonly accepted argument that without an original CCA there is no legal enforcement, do you have any statute to confirm this?

 

if only, if only

 

the architects of the consumer credit act created confusion when none ought to haev existed by stating that " the original SHOULD" be produced in court

 

IF ONLY "should" would have been written as "shall" all our troubles would be over!!

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I have been asked this:-

 

Hi Diddy

I know it seems to be a commonly accepted argument that without an original CCA there is no legal enforcement, do you have any statute to confirm this?

 

if only, if only

 

the architects of the consumer credit act created confusion when none ought to haev existed by stating that " the original SHOULD" be produced in court

 

IF ONLY "should" would have been written as "shall" all our troubles would be over!!

 

That's CPR, rather than the CCA, in'nit?

 

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