thanks both for your help

rgds.

radmm0

hi DX

I'm a bit confused by your reply to be honest!

What's a good example of a 'snotty' letter to use please?

tnx

radmm0

hi DX

received a 'Letter BEFORE County Court Claim' with a reply pack wanting I&E details.  what should I do now?

thanks

radmm0

Thanks for your reply & support.

Rgds.

radmm0

Excellent, thanks for the very useful info 'LookinForInfo', brilliant news

Rgds.

radmm0

Thanks for the info Dave.

Rgds.

radmm0

Thanks DX for your quick reply.  Much appreciated.

Rgds.

radmm0

ParkingEye PCN - NHS Hospital Car Park v1.0redacted.pdf1 Date of the infringement 18/04/23

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24/04/23
 

[scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s

3 Date received 28/04/23
 

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? YES
 

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? ParkingEye

8. Where exactly [carpark name and town] Barnet Hospital, London
 

For either option, does it say which appeals body they operate under.

BPA?

Hi guys

I was attending a blood test appointment at the hospital & 'paid' using the app shown on the signs in the car park, which I've used in the past and all over the borough of Barnet. 

I've then received the attached letter from ParkingEye a week after my visit to the hospital, which was a big surprise. 

I checked the 'my parking history' on the app & my Barclays bank account and unfortunately there were no entries for that date/event. 

So, the transaction I had attempted on the day using the parking app had not worked, but I didn't receive any notification or text to let me know.

Am I at fault, should I just pay the £60 lower 'within 14 days' charge before they increase it to £100 or is it worth making an appeal?

Thanks for your help.

Rgds.

radmm0

Have you been paying them anything since their threatening letters in August 2019?

Rgds.

radmm0

Thanks Andy

On 02/12/2019 at 18:44, Americanmuscle said:

Today after 2 & half months I received a letter from Capquest,it says....

'We continue to progress your query and are currently awaiting a response from Capital One'

 

Is there a time limit on them supplying the information requested,or do I just wait and see what they come up with?

Have you heard back from your creditors, DCA or the 'solicitors' about your CCA request?

Rgds.

radmm0

On 24/01/2020 at 13:01, Scrudge said:

Hello, could do with some advise

 

Ive received a scary letter from Drydenfairfax Solicitors for a Santander loan I defaulted on in 2010

 

I passed the loan/debt onto Step Debt Change in March 2010, 

in 2016 I did not have enough to even pay Step Change 

 

I wrote to Santander explaining this and asked them to write off the debt this was my last correspondence with Santander January 2016.

 

I have had various letters from Moorcroft then Wescot etc which I have ignored,

yesterday I received one from Drydensfairfax stating "they are solicitors instructed by our client Santander UK Plc, to obtain repayment of the amount £6804.03 or take appropriate recovery action should you fail to pay".

 

Is this company really solicitors ?

what power do they have can they issue a CCJ ?

 

this was an unsecured loan unfortunately I fell on hard times and I could not pay it.

Is it safe for me to ignore this letter ?.

Hi Scrudge

But, you stated that they had accepted your offer of £2000 as full & final settlement for the outstanding loan amount, in your 2012 posts. So, did you not pay them then?

General question for CAG admin guys; are 'DrydensFairfax Solicitors' actual solicitors? Why do some DCAs resort to using them if not?!

Thanks.

Rgds.

radmm0

@London1971 You're absolutely right.  I was advised by the local CAB office all those years ago for our house repossession & personal debt issues.  We were definitely given the wrong advice about the direction to take with the house and had to sell it in the end due to their 'wrong' advice and now realise that we were also given the wrong advice about how to deal with my debt.  Shocking.

Does one stop paying all of them?  Wouldn't they have a legal right to take me to court to get 'their' money?

I so believe that our Consumer Credit Laws & Private Rental Market are in need of a major shakeup.  The sooner the better!

Thanks again for your help.

Rgds.

radmm0

@dx100uk Will be doing that when I get all the paperwork back from our relatives.

Does one send the CCA letter & SAR to:

a. the current DCA

b. original Creditor

c. both a & b, or

d. ALL the DCAs involved with each debt & each original Creditor?

Thanks dx100uk.

I guess I have.

CCA'ed in 2012

Judging by the comments, I need to re-start things & check the CCAs they sent me.

We've moved a number of times since losing our home & unfortunately a lot of the earlier paperwork has been stored in relative's lofts & garages.  So, will have get them all back & take a fresh look.

Thanks again  DX100uk & London1971 for your guidance.

Thanks as usual guys.

CCA'ed them in the early days & they all have an original copy, unfortunately!

How & when does a debt become 'statute barred'? 

Would any of my debts qualify as such, as all are more than 9 years old (since I defaulted)?

Thanks.

radmm0

Hi guys

I have a number of large loan & credit card debts that I've been paying off by the absolute minimum amount since 2011. 

We lost our business & home and have been renting since. 

None of the debts are with the original creditors now, but they have been doing the usual 'pass-the-parcel' merry-go-round for the past 8 years and have settled with the likes of CapQuest, Intrum, Cabot, CDCS, PRA Group, NCO Resolve & Moorcroft!  They also very regularly send 'offers' of settlement with up to 70% discount!

Over the years some have been sending irregular 'statements' and most nothing at all.  Every so often some contact me to discuss the repayment 'plan'.  A couple, including NCO Resolve, keep asking for an updated Income & Expenditure sheet and even a list of ALL my creditors + what I owe & pay each of them.

I always reply with the same letter or email (never phone calls) explaining my situation and the fact that I pay ALL my creditors the same monthly amount.  However, I never send them an I&E sheet or list of creditors.

So, my main question is; Is it ok not to send the requested details, as I was once advised that only a court can ask for them?

Thanks & regards.

radmm0

Hi everyone

A quick update.

I've received two 'threatening' letters since October 2019, the latest one dated 2/1/20 (received 8/1/20) threatens that if the 'debt' isn't paid within 14 days of the date of their letter, their client 'may consider' starting County Court proceedings!

Shall I continue to ignore or start communicating with them?

Thanks.

radmm0

Hi all

Here are the T&Cs and I've also added another example of a car 'improperly' parked in the unequal bays.

Rgds.

Andy

NCP Car Park N12 - another example.pdf NCP N12 Car Park - Terms and Conditions.pdf

Sure, will do.

Thanks again for your help.

Rgds.

Andy

Thanks a lot everyone again.

Hopefully I won't be back for this topic anytime soon, but will definitely return for something else that needs your informed knowledge!

Rgds.

Andy

Hi dx

Thanks again for helping me out with this.

So, does that mean one can ignore them from now on?

Tnx.

Andy

Hi all

I've taken some more photos of the car park, its signage and the ticket machines.

Please also note that the additional photo taken this morning of the two unequal adjacent bays is to show the very reason I had parked over the line on the right, as nobody ever parks in the narrow bay and we all have to leave enough room for drivers to be able to get in and out of their car!

I'll take a better shot of the Rules on my way home tonight and will post it later this evening together with the paid ticket for parking at the site, the NtK & original PCN.

Thanks again for all your help.

Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!

https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819

Rgds.

Andy

NCP Car Park Details.pdf

Here are the two photos I mentioned in my OP attached as a PDF.

Rgds.

NCP N12 Car Park.pdf

Thanks a lot guys.

I'll be on it tonight and tomorrow night, as need to get photos of their signage tomorrow.

Unfortunately the deadline for going thru POPLA is this Wednesday (28 days after I received their email reply to the internal appeal rejection on 18th Sept).

Rgds.

Hi

Windscreen ticket (Notice To Driver) - Date of infringement?  8/8/2019

Have you yet appealed to the parking company?   YES, after receiving the NTK letter

The following appeal was sent to NCP via their website on 15/9/2019:

"The photos taken of my car by the NCP attendant, which are attached to the PCN online, clearly show that the two adjacent spaces are of unequal widths. 

I have a number of photos of other vehicles that have also parked on or over the line in the same space AND other spaces in this car park. 

Also, please note that a significant number of the spaces here aren't properly marked. 

I have parked at the Woodside Park LU car park for many years and have noted that the parking space by the pay machines near the entrance to the car park is never used, as it is of non-standard width, so no vehicles would be able to park in this space. 

Please use your local rep to measure the two adjacent spaces to confirm this. 

This is the reason I parked in the manner I did, as NO OTHER vehicle could/would have been able to park next to my car anyway

- even if one parks within the markings next to the non-standard width end-space. 

General Point - it would be useful to be able to upload/attach photos to the NCP 'informal appeal' portal."

Has there been a response?  YES by email (see italic text below):

"Thank you for your recent correspondence regarding the above notice number. We have considered the case carefully and have decided to reject your appeal on the following grounds;

The parking attendant observed and recorded that the vehicle was not parked wholly within the confines of a marked bay.

Your vehicle was recorded as parked outside of a bay. It is clearly signposted that all vehicles must be parked wholly within one designated marked bay at all times for health and safety reasons and therefore would not warrant us in cancelling the notice.

With regard to your comments concerning other vehicles, the parking Attendants do not remain static in one location for the duration of their shift, they are expected to patrol the entire site. A perceived failure to issue a PCN to another vehicle does not invalidate the PCN issued to your vehicle.     

The Terms and Conditions of which our services are provided are clearly displayed on entrance and throughout our facilities, including the requirement for all motorists to park within the markings of a designated bay. We are confident that all signage and the PCN are compliant with all industry standards and to the British Parking Association's code of practice to which we subscribe. 

You now have the following options;
Pay the Parking Charge Notice at the discounted amount of £60.00 within 14 days. Please note that after this time the Parking Charge Notice will increase to the full charge of £100.00.
Payment can be made:

* Online, by visiting https://www.ncp.co.uk/pcn
* By sending a cheque or postal order, made payable to National Car Parks Ltd to: National Car Parks Ltd. Notice Processing, PO Box 839, Northampton, NN4 4AL.
* By Debit or Credit card (except American Express). Please call 0330 088 2902 and have your card details and the information held in this letter to hand.

Alternatively, you can make an appeal to POPLA - The Independent Appeals Service. If you wish to make an appeal to POPLA the forms are available on the website at www.popla.co.uk. The verification code you will need in order to appeal to the Independent Appeals Service is 1234567890 Please note that if you opt for independent arbitration of your case you will lose your opportunity to pay the discounted offer and the full amount of the parking charge will apply. Your appeal to POPLA must be made within 28 days of the date of this letter, any appeals to POPLA made after the 28 days will not be assessed. The independent adjudicator is unable to waive the parking notice because of mitigating circumstances and a decision will be based on facts and evidence only. If you have any trouble in appealing or cannot access the website please contact us on 01604 625 622.

By law we are also required to inform you that Ombudsman Services (www.ombudsman-services.org/) provides an alternative dispute resolution service that would be competent to deal with your appeal.  However, we have not chosen to participate in their alternative dispute resolution service.  As such should you wish to appeal then you must do so to POPLA, as explained above.

If you choose to do nothing, we will seek to recover the monies owed to us via our debt recovery procedures and may proceed with Court action against you.
Yours sincerely,
Notice Processing Team
National Car Parks." 

Have you received a Notice To Keeper? (NTK) - YES - received 15/9/2019

What date is on it?  10/9/2019

Did the NTK provide photographic evidence?  YES - on their website for the PCN number

Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA)   NO

If you appealed after receiving the NTK,

Did the parking company give you any information regarding the further appeals process?  YES (as shown in their email reply above)

Who is the parking company?  NCP

Where exactly did you park?  Woodside Park on the Norther Line - London Underground Station Car Park, which is run by NCP.

I've parked at a London Underground station's car park that is run by NCP for many years. 

It is fully ANPR with two ticket machines at the entrance to the site.

I've been given a PCN for the following reason:

'The parking attendant observed and recorded that the vehicle was not parked wholly within the confines of a marked bay.'

Please note that the bay next to the one I was parked in (my car is the blue Honda CRV) is approximately 18 inches narrower than all the other 'standard' bays on this site (photos attached). 

The other photo (of the black car) was taken of the same location (bay) my car was parked in to indicate the narrowness of the non-standard bay next to the 'standard bay' with a vehicle parked in it. 

As you can see, there's no way any other vehicle could possibly park in the narrower bay, which is the reason many drivers park in a similar way to the photos attached, either just on the line or like my car just over the line into the adjacent narrower bay.  Also, it is worth noting that I had parked in this way due to the vehicle in the bay to my left had parked very close to the bay line, so I had to leave room for them to be able to get into their car.

I submitted an online appeal to NCP after receiving the Notice to Keeper letter, which of course was rejected!

I'm now trying to do the POPLA appeal, but have a few questions before I submit it online. 

Please note the following details about the case: 

I would appreciate if you could let me know what's the best approach to this issue.

Many thanks.

radmm0