Jump to content


  • Tweets

  • Posts

    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
  • 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
  • Recommended Topics

CCA request 1980's Card ignored? now wescot chasing


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2589 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 have sent Halifax a CCA request several times over the past year, which they seem to be ignoring!

 

This card was taken out in the late 1980's

I'm guessing they are having difficulties retrieving any documentation.

 

I have spoken to the Financial Ombudsman and they say they cannot force a company to produce documentation they do not have. If I raise a complaint with them they can only ask the same way I have.

 

They have not sold the account,

they have passed it on to a DCA to manage the account who are now demanding a massive increase in the monthly payments. Without the contract I do not now what my rights are.

 

So, what should I do next?

 

Thanks in anticipation

 

sidley

Link to post
Share on other sites

  • Replies 84
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

What's the story with the card, any periods of non payment towards it ect.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi Maroondevo52,

 

Due to continuing ill health I have been paying £5 p.m. since mid 2011.

Halifax have never asked for any more during that time,

just an annual letter asking me if my circumstances have changed,

all of a sudden Wescot are involved.

 

Letter from Bank says they're just getting someone else to manage the account; it has not been sold so far.

 

I have never missed a payment.

Wescot are demanding that I pay them instead of Halifax - reluctant to do so.

That is why I have cca'd them, but no response to my requests

( and I keep on sending £1.00 postal order as well! Must be down by £5 now.)

 

FoS suggested that I raise a complaint with Halifax, they've ignored that as well!

 

@ gregs07

 

It has passed my mind, but then it would be sold and all the aggro from a DCA (even if they cannot enforce it). Have been advised by CAB to make a ridiculously low offer.

 

Also, since they have not responded to my many CCA requests, I guess this would but the account in 'dispute' ( ie not enforceable).

 

 

But can they still sell an account that's in dispute?

Maybe that's the reason they haven't sold it.

Link to post
Share on other sites

I have a pile of poo I want to sell but who will buy it?

easier to pay someone £15 to send out a nasty letter and hope it gets a result.

 

 

Wetcloths do a lot of this sort of legwork,

the bank has biasically decided that it isnt worth their while and dont care what their agents say or do to earn a crust.

 

If they dont have the documentation then the debt isnt enforceable anyway.

Either way, you are safe to stop paying even the nominal fiver.

Link to post
Share on other sites

  • 2 months later...

I've had a response to my Halifax CCA request eventually.

 

In the letter they state

"they will not engage in any further correspondence regarding the CCA".

 

 

They also state that they will hand this account over to a collections agency

(they've already done that - apparently sold it)

if I do not keep up with repayments?

WHAT REPAYMENTS.

 

the cca reponse was a computer (word doc type) of a credit card agreement which they stated was a recon of the original agreement. No dates and wrong address - when I applied for the card I lived at a different address. I don't know if that is relevant?

 

Also the agreement goes on to say about online banking.

When I took out this card, online banking did not exist!

 

 

On the alleged agreement it also says Lloyds Bank

- they were completely separate businesses back then.

So, the agreement is not a copy or true reconstruction of the original.

 

They only sent me the current T&C's as they stated that

"they do not have to supply the original T&C's at inception anymore"?

I haven't checked yet but I'm assuming that the charges and interest will not be the ones from the original agreement.

 

Nothing is signed or dated ( I know for a CCA request a signature is not needed)

but I have no idea what date this agreement came from other than the points I have made above.

 

I want to make an official complaint to them regarding their apparent failure.

Has anyone got any suggestions?

What points should I highlight?

Do I need to mention every fault with it?

 

Thanks in advance

Sidley

Link to post
Share on other sites

Send wetcloths a CCA.

 

Have you a notice of assignment from Halifax or an introductory letter from wetcloths saying they now own the debt?

 

They know they will need the original CCA to enforce it which they dont have which will be why its now been moved on to a dca.

 

Cant see anyone going anywhere with this imho.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hi martin,

 

Thanks for quick response.

 

They apparently sold it to Cabot ( via Marlin Europe V ),

 

I think Wescot were acting as their agent.

 

I cannot remember receiving any notice of assignment from Halifax, just a letter from Cabot asking for money - no actual assignment.

 

Halifax still thinks they own it or it could be an admin. error (ie they haven't bothered to see if they still own it!)

 

Sent a letter off to Halifax (rec del) asking if they have sold it to Cabot - no reply. Repeated letter 2 months later - no reply.

 

Just thought, should a CCA request inc. a notice of assignment?

Link to post
Share on other sites

Only if it has been sold on to a dca, not if a dca is merely acting a collection agent for the original creditor.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Seems to be that Halifax have been unabke to find the original agreement and have sold it on as a lemon that cant be enforced.

As advised, CCA the dca who is chasing you and cease paying anymore until they find the agreement ir issue a claimform, if they do the latter, pip back and we can deal with that also.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hi martin,

 

Thanks a million for your help.

I will CCA Cabots and see what happens.

 

Interesting that the letter from Halifax(HBOS) seems to think they still own it?

Could be a standard template letter and no-one has bothered to check it.

 

Cheers

sidley

Link to post
Share on other sites

Seems theres a lot in the letter from Halifax that hasnt been properly checked!!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Yes they think you have no knowledge of your rights.

Sadly for them you found cag!

 

They know full well that they have to supply a true copy of the executed agreement containing all if the prescribed terms and the t&c's from when it was issued as it was pre April 2007.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

  • 2 weeks later...

Hi All,

 

Just received this in the post this morning from Halifax. An Application form 50/50 legible - I will post the 3 pages when I have chance to redact it.

 

And this last page, again some of which is barely legible. It also refers to " please also see conditions 15 and 19 in the Halifax Credit Card Conditions leaflet" which, as I have said, they have not sent.

 

One page of the application form is so badly photocopied that one half looks as though the print fades away (right side of the page).

 

What should I do now? I have sent the letter to Cabot as mentioned in my last post.

 

Thanks in advance.

 

sidley

Halifax T C.pdf

Link to post
Share on other sites

Thats part of the terms and conditions, where are the other 2 pages they sent, easier if you create a multi page pdf and upload in one go

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

IMO, I'd stop paying, you're being cash cowed royally here!

 

What does your credit file say?

 

You've sent them a CCA request, and the OC has failed to produce an enforceable one, a recon won't cut the mustard, they need the original in court to enforce.

 

Keep poking them and they'll magic up any rubbish to con you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Thanks Bazooka & Martin,

 

I'll scan the other 3 pages and redact them tomorrow.

 

@ Bazooka - do they really need the original one in court? I thought a recon one would do as long as it is accurate etc.

 

Credit file shows nothing about this account.

 

A million thanks again.

 

sidley

Link to post
Share on other sites

I agree with BB

I would stop paying and if anyone writes to you just reply with a written

'I sent a lawfull s78 request on xxxxxx, to date Halifax have failed to comply. Therefore as per s78(6) the account is unenforceable. Any further communication that does not resolve the dispute will be deemed as harassment '

 

Just one thought and it is beyond my knowledge, the current laws relate to a fixed date in the 1980's , I think may be 1985. I do not know if that makes a difference.

 

Sidley

They do not necessarily need the original in court if an accurate recon can be produced but I think you would have a strong defence if they have now sent you the application form.

Any opinion I give is from personal experience .

Link to post
Share on other sites

An agreement signed prior to april 2007 must be a true copy of the original

 

An agreement signed after april 2007 can be reconstituted

 

See carey v hsbc 2009

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

A true copy must be just, a photocopy if you like of the actual agreement, a recon can be a re made version of it

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...