Excel Parking DCB Legal Ltd Parking Failure to Purchase Ticket at Earlsdon Park Coventry

pablotoon19

The app provider is the parking bandits themselves, Excel. It’s called Connect cashless parking but shows on my bank statement as Excel parking. 

Coupon-mad

What a perfect storm/scam.

RogerW_3

@pablotoon

Your bank transaction probably identifies the merchant, and probably exactly the same as if you try doing a dummy car park purchase using the app for the same car park location. When the app gets to the image asking you to confirm payment using either your banking app or OTP, choose banking app. When you log on to your banking app to confirm the payment it will identify the merchant - probably judopayexceloarkingbcecom2. You then screenshot that and cancel the transaction.

You can also submit an SAR to Connect Cashless, Judopay and Excel to request info on how your personal data was used for the payment, including the hidden convenience fee that is an unfair term. Pretty certain there will be a contract between Excel and Connect/Judopay otherwise how can they receive any payment? That should identify what part of the payment went to which party. That way potentially you can question who the Creditor really is. The same info can be requested from Excel at Letter of Claim stage. 

RogerW_3

There have been many complaints about Excel Parking Services chosen payment app Connect Cashless failing to process card payments. This is probably the reason why. There is a message that extremely fleetingly shows up on the Connect Cashless Parking App when you search for car parks. They and Excel obviously don't want people to be able to screenshot it (but I managed to do that), hence the ridiculously short 1 second time that it appears on your phone screen. It is enough to evidence that you could not pay the tariff because the payment app was unfit for purpose and not compliant with IPC Code of Practice Sections 14.2, 27.1 and 27.3. The message states "IMPORTANT MESSAGE: we have recently resolved a technical issue related to 3DS2 payment registration". That will probably also be a problem traceable back to Judopay (lots of info on 3DS2 in their website). Given that Connect Cashless state IMPORTANT MESSAGE the fact that it is only shown on the screen for about 1 second is indicative that Connect Cashless and/or Excel are deliberately making it difficult for motorists to read it, copy it and use it to get PCN's cancelled, including by a court. An important message should be permanently available to read. The nature of the technical issue also raises the possibility that there has been a data breach that Connect Cashless and Excel need to report to ICO and every registered user of the payment app. Excel needs to very urgently cancel it's issued PCNs to avoid fraud complaints.

RogerW_3

https://ico.org.uk/for-organisations/the-guide-to-nis/incident-reporting/#Incident-5

Looks like the criteria may have been met which would require Connect Cashless to report to ICO.

Coupon-mad

RogerW_3 said:

https://ico.org.uk/for-organisations/the-guide-to-nis/incident-reporting/#Incident-5

Looks like the criteria may have been met which would require Connect Cashless to report to ICO.

Trading Standards too.  It's shocking.

pablotoon19

RogerW_3 said:

@pablotoon

Your bank transaction probably identifies the merchant, and probably exactly the same as if you try doing a dummy car park purchase using the app for the same car park location. When the app gets to the image asking you to confirm payment using either your banking app or OTP, choose banking app. When you log on to your banking app to confirm the payment it will identify the merchant - probably judopayexceloarkingbcecom2. You then screenshot that and cancel the transaction.

You can also submit an SAR to Connect Cashless, Judopay and Excel to request info on how your personal data was used for the payment, including the hidden convenience fee that is an unfair term. Pretty certain there will be a contract between Excel and Connect/Judopay otherwise how can they receive any payment? That should identify what part of the payment went to which party. That way potentially you can question who the Creditor really is. The same info can be requested from Excel at Letter of Claim stage. 

RogerW_3

Thanks very much for this, I’ve just had the official rejection of my appeal so I’m now looking to draft a SAR request. 

Can I specifically request they tell me what car park and what time they received my payment for or are there limits on what they have to disclose?

many thanks,

Pablo.

pablotoon19

pablotoon19 said:

RogerW_3 said:

@pablotoon

Your bank transaction probably identifies the merchant, and probably exactly the same as if you try doing a dummy car park purchase using the app for the same car park location. When the app gets to the image asking you to confirm payment using either your banking app or OTP, choose banking app. When you log on to your banking app to confirm the payment it will identify the merchant - probably judopayexceloarkingbcecom2. You then screenshot that and cancel the transaction.

You can also submit an SAR to Connect Cashless, Judopay and Excel to request info on how your personal data was used for the payment, including the hidden convenience fee that is an unfair term. Pretty certain there will be a contract between Excel and Connect/Judopay otherwise how can they receive any payment? That should identify what part of the payment went to which party. That way potentially you can question who the Creditor really is. The same info can be requested from Excel at Letter of Claim stage. 

RogerW_3

Thanks very much for this, I’ve just had the official rejection of my appeal so I’m now looking to draft a SAR request. 

Can I specifically request they tell me what car park and what time they received my payment for or are there limits on what they have to disclose?

many thanks,

Pablo.

I’ve now sent the SAR specifically asking for:

Please provide details of a payment of £xxx I made to Excel parking on date at time. (This payment has been confirmed by Bank at this time).

Please provide a breakdown of the charge I made on date at time, how many hours of parking were paid for and what convenience fee was charged.

Please provide details of the car registration number you hold against my details.

Please provide details of the bank card you hold against my details.

Please provide details of the car parking location you hold against my details.

Not holding out much hope, as their app and website shows no trace of this transaction, but the payment has been taken from my bank account, so they must hold some details of this payment.

Thanks again for the above advice.

KeithP

@pablotoon19, it really is time you started your own thread.
You seem to have diverted this thread away from @spbctjr's problem.
Trying to progress the two different issues of two different people in the one thread can only lead to confusion.

pablotoon19

Apologies, didn’t mean to cause any confusion or hijack this discussion. I’ve now moved this to a separate thread. 

https://forums.moneysavingexpert.com/discussion/6568799/sar-excel-parking/p1?new=1

Apologies again.

Pablo.