Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Asked for the CCA, got alot more! (RBS)


Mike220359
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6423 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I sent off a CCA request (with £1 PO) regarding an agreement that I was defaulted on in November 2003, but paid the lot off in April of 2004.

 

I asked for the original agreement

 

a) so I could argue that the default should be removed

 

and b) that they couldn't hide behind the 'you agreed to the charges when you signed the agreement' when I went for the unlawful charges.

 

Sent the letter on the 25th July, got this letter back today.

 

Royal Bank of Scotland,

CRA Enquiries Dept.

RBS

PO Box 6050

Southend on Sea

SS99 1WL

 

Dear Sir,

 

Tahnk you for your letter, concerning information held with the Credit Reference Agencies for your credit card account. Please accept my apologies for the length of time it has taken to respond.

 

Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information. So that there are no misunderstanding here we will set the record straight on the format of the information we are obliged to provide you.

 

Your written request under section 78 (1) of the CCA must be accompanied by a payment of a fee of £1. (Funnily enough the PO was stapled to this letter) We are obliged to provide you with a 'true' copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments taht still reuire to be made. In terms of theCC copy document, the true copy requirement can be satisfied by providing a copy at the date the card agreemnet was made.

 

As I am unable to provide you with a copy agreement at the date the card agreement was made and a copy of the current terms and agreement, any remaining balance of the card account has been written off and your obligations to us under the agreement are discharged.

 

I trust that the above clarifies matters for you.

 

Yours...

 

Miss H Bennett

Account Manager.

 

---------------------------------------------------------

 

Well there we are, not the greatest of letters and clearly not really well put together, nevertheless, I achieved my aims and now are sending off a Data Protection Act and a demand for the default to be removed.

Its a pity I didn't have the info given by this site three years ago it would have saved me £10,000

 

 

Mike

  • Haha 1

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

Dear Stuarti & Podgydad

There isn't a form for a CCA request, what you need to do is write to the bank that holds your account with a letter stating

 

Could I ask that you supply me with a true copy of the agreement. I understand that this is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974. I also understand that it is your obligation to provide me with a statement of account. I enclose a £1 postal order in payment of the statutory fee.

The thing is that if the bank does not reply within 12 working days, you can legally withold any payment due to them since they are in default of the act. If they do not supply a copy within a month from the date of the letter then they have committed an offence, and the debt becomes legally unenforcable unless the bank gets the authority of a judge to reinforce the agreement. The thing is that when the bank is in default no inters or charges may be added to the account.

CCA is jargon for 'Consumer Credit Act 1974', which governs some of he work that banks undertake, especially loans and credit cards.

The thing is that if the CCA act is not fully complied with the Bank gets into a lot of hot water when they try to enforce the debt. As the letter that started this thread shows, RBS didn't have the necessary documentation to manage my account. This opens up a right can of worms, that really I can't talk about here since it's now obvious that financial institutions read threads to gain insight into waht is going on. I'll post any results when they come to fruition.

Kind regards,

Mike

 

 

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

but paid the lot off in April of 2004.

 

Its a pity I didn't have the info given by this site three years ago it would have saved me

:eek: I don't believe that they'd do that without a struggle! In all the threads (Mostly SB's stuff) it always states to use these letters on closed accounts only. I've recently send SB's template letter to Barclaycard (in legalities section) so I'm waiting for a response on that.

 

Wxx

Link to post
Share on other sites

The account is closed thats the daft thing about it. I was defaulted in November 2003, but they were still updating the CRAs in May of 2004

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...