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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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Duffers mum v Sainsburys Bank


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Dm

It used to get me stressed about all the charges and intrest they keep putting on. Now I know they cannot enforce the debt I dont care anymore. I aint offering them no F&F as If I worked the debt out most of it will be interest from when I used to balance transfer all the time.

 

HAK

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I received another letter today from Sainsburys apologising for the fact they sent me a text message to my DH's mobile number but they wished to explain that their telephone service aims to provide a quick and mutually beneficial resolution to any situation blah blah blah. What a load of cobblers, their telephone service aims to try and intimate people into paying more than they can afford!

 

They have removed the number, just as well as its been changed now anyway :D and have set an arrangement for three months for the amount I'm currently paying per month. However nothing about stopping interest and charges, still I guess it gives me a little more time up till Feb next year. I think I'll write back and say thank you very much, now as you haven't complied fully with my CCA request when are you going to refund all the unauthorised interest and charges and refrain from adding them in the future. What do you think my chances are of getting them to agree..... :)

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Whats the chances of me winning the lottery without buying a ticket?

 

lol

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I got a reply from Sainsburys yesterday regarding sending an application form. The have sent me the application form again!!!

 

What planet they on!!

 

HAK

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Well it sounds like plant Application form is a CCA.

 

Its half way across the galaxy turn right and the after about 1000 light years take a left.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I've sent another letter off now recorded delivery, asking yet again why they are still charging interest etc and would it be please be possible to have the same person from the same company dealing with my complaint, rather than Mr Joe Bloggs who has so far written to me in the same name from Sainsbury's, Halifax and Bank of Scotland, I think they forget what paper they have in the printer! Absolutely useless. Next stop TS, but which TS should I approach, any idea? :)

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It really is a juggernaut of an organisation, DM. The front line soldiers have absolutely no idea of how it all works. Today I spoke to 6 different dept's there trying to speak to a person that apparently doesn't exist, but signed a letter posted two days ago.... sheesh

 

I believe it is this parkinsonianism, rather than any real malice that keeps getting them into trouble ... :D

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Hi peeps, I'm going round the block or is that bend with them too!Umpteen letters arguing about it not being an agreement only an application then passed to Blair Oliver & Scott with threat of court action, so sent request under civil procedure rules, passed back to Sainsburys, demand for £10 as they said this comes under SAR request - thought about arguing but then thought knickers, paid it with postal order, umpteen telephone calls then daft letter saying they'd sent me the agreement and terms and conditions, never got either, also saying they can ring as many times as they like and visit me, spent this afternoon composing suitably uncomprising letter in reply so ding ding Round 54, round and round we go:mad:

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Sainsburys are currently calling me, on average, 20 times a day from 08.30 to 21.00. They only have my mobile number so I've put them in my phone book and set them a silent ringtone.

 

Unfortunately I can't do that for private numbers when they call withheld but I don't take private calls anyway so I just ignore that ringtone.

:p Wanting out of the red and into the pink! :p

 

If I've been nice please tip my scales. If I've been naughty, tip 'em twice! ;)

 

CURRENTLY CAGGING -

 

NatWest Bank - no response to S.A.R - (Subject Access Request), 40 days passed

 

Natwest CC - no response to CCA, 12+30 days passed. Calls continue, I ignore.

 

Sainsburys CCs x 2 - Current T&Cs rec'd in response to CCA request. Letter sent re lack of prescribed terms. Calls continue, mobile set to auto ignore.

 

Capital One - Copy application form rec'd in response to CCA. Letter sent re lack of prescribed terms. Standard final response received. Calls continue, I ignore.

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Auntie - Have you sent them a letter stating you only want communcation in writing and more importantly have you actually sent a letter headed "COMPLAINT"?

 

Doing that has worked for me far better with both Sainsburys and Barclaycard because they have to deal with it in accordance with their complaints procedure. I'm not happy about the charges and interest, but if they keep letting me pay them £10 per month for the next few months and keep it "in house" I'm happier than if it was passed to a DCA.

 

Is your mobile contract or pay and go? if contract contact the company and ask if they will change your number. O2 did this for me recently, with no fuss, and no charge, I just advised them I was getting strange calls. If its a pay and go mobile, go and buy a new sim card with a different number. Either way with a number new they won't be able to contact you.

 

Good luck - they are an absolute nightmare! :)

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DM you report them to your local Trading Standards, here's the link:

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Auntie send them this letter ammended as necessary recorded ASAP:

 

Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

 

Hope this all helps :)

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Thanks guys. To be honest now they're on silent I just ignore them. It's only 12 more days till I can tell them they owe me a CCA :)

:p Wanting out of the red and into the pink! :p

 

If I've been nice please tip my scales. If I've been naughty, tip 'em twice! ;)

 

CURRENTLY CAGGING -

 

NatWest Bank - no response to S.A.R - (Subject Access Request), 40 days passed

 

Natwest CC - no response to CCA, 12+30 days passed. Calls continue, I ignore.

 

Sainsburys CCs x 2 - Current T&Cs rec'd in response to CCA request. Letter sent re lack of prescribed terms. Calls continue, mobile set to auto ignore.

 

Capital One - Copy application form rec'd in response to CCA. Letter sent re lack of prescribed terms. Standard final response received. Calls continue, I ignore.

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I got another letter from Sainsbury's yesterday, enclosing..yes you've guessed it.....another copy of the application form and another set of current T&C's. The letter adds that they note there is an agreement in place for me to pay £X per month, but they state that I only said I would pay that until I got my "agreement" their collections dept will therefore be in touch to discuss repayment.

 

Hmmmm, now let me see what my reply might be..yep its another go forth and multiply sort of response!!

 

I will write next week thanking them for sending me yet another copy of the application form and T&C's but advising they are still in default, I think I'll also email their local TS now too. My problem Babybear is that I get letters from Leeds, Halifax and Scotland too, so still unsure which to go for. I'll have a think over the weekend! :)

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DM

 

Why not go for them all. Your bound to get some with all of them. :)

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi DM,

 

If you get a good response from one you may get a good response from them all.

My idea of a good response is:-

 

AHHHHHHHHHHH she has done as she treatened and now we are going to have to explain our selves. Maybe we should just leave her alone and call of the debts.

 

You can only hope :)

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 4 months later...

I received a response from Sainsbury's today in relation to my F&F settlement offer, only it wasn't from Sainsbury's it was from Blair Oliver & Scott, saying after careful consideration they are unable to accept my offer. Well I am going to respond saying I didn't offer you anything and I don't owe you anything. Yet another CC company assigning the debt when its in dispute, I am going to sit down over the weekend and email TS about these companies. I suppose that if BOS are dealing with this now at least it means the charges and interest will cease, but thats the only good thing. I will now write to Sainsburys with yet another complaint.

 

In the meantime I suppose I should ask Sainsbury's and not BOS what figure they will accept in F&F so that I can then barter with them. Will it ever end! :)

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yep ask them.

 

I am in the middle of just looking over the letter again and will get back to u with it.

 

I have decided to make a nice addition to the letter that u will love.

 

Oh and remember to write to BOS and advise them to BSO ( basically sod off) :)

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well If they still have not produced an agreement with all the perscribed terms on it I would offer them nothing.

 

As the guy who wrote the Consumer Credit Act 1974 states below:

 

As the draftsman of the Consumer Credit Act 1974 I would like to thank Dr Richard Lawson for his interesting and well-argued article (30 August 2003) on Wilson v First County TrustLtd [2003] UKHL 40, [2003] 4 All ER 97.

Dr Lawson may be interested to know that I included the provision in question (section 127(3)) entirely on my own initiative. It seemed right to me that if the creditor company couldn’t be bothered to ensure that all the prescribed particulars were accurately included in the credit agreement it deserved to find it unenforceable, and that the court should not have power to relieve it from this penalty. Nobody queried this, and it went through Parliament without debate. I’m glad the House of Lords has now vindicated my reasoning and confirmed that nobody’s human rights were infringed.

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