Jump to content


  • Tweets

  • Posts

    • 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
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
  • 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

HSBC - Idem response after CCA Letter


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

Thread Locked

because no one has posted on it for the last 2725 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

Good afternoon

 

I have today received a response from IDEM after sending them a CCA letter regarding a HSBC credit card

 

They have sent me a reconstituted copy and statement and their letter says that this is all they need to provide and that the debt once again becomes enforceable.

 

There is nothing enclosed that shows my signature. is this now enforceable without the signature and if not what should my next move be

 

Many thanks

Link to post
Share on other sites

depends when you took it out

 

 

can you scan up the return to ONE multipage PDF please

after redaction?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

scan to jpg

redact

then convert to PDF

easiest way is put all the pictures in a multipage word doc [one per page]

then file save as pdf

 

 

apr 2007 is the key date.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

typically before that date they have to have a signed agreement

although online sign up had been around since the early 2000's

 

 

a non signed agreement might mean compliance with the consumer credit act

if certain prescribed conditions are met

it wont be good enough for court

idem are wrigglers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Also what do you mean when you say it won't be good enough for court, sorry to keep asking questions but Im not understanding if its not good enough for court then what is the use of it

 

Many thanks

Link to post
Share on other sites

A few things that spring to mind

 

This agreement looks like it is pre 2006 as it shows default charges of £20 and these changed. Did they also send you another revised set of terms and conditions?

 

A S77 request is for a loan an while a S78 request is a credit card although I doubt their mix up is important.

 

I see it tells you how much to pay but it doesn't seem to tell you when to pay or even how you will be told when to pay.

 

With regard to dates

Digital signatures became valid in 2005 ,before that they needed written ones

 

With regard to Apr 2007

Prior to that the agreements had to have all the prescribed terms which are set out in legislation and include names and addresses , Apr , how the credit limit will be determined and payments made. After Apr 2007 sadly these are not necessary, the fact you used the credit and made payments is enough.

 

With regard to requiring a signed agreement

You would need to make a positive statement that you did not sign the agreement with the prescribed terms and it would help if you could give reasons . The judge than makes a determination on balance of probabilities and it is not unheard of for a judge to decide there was a signed compliant agreement even if one can not be produced.

 

A lot will depend on what else if anything they sent you,

Any opinion I give is from personal experience .

Link to post
Share on other sites

Hi there

 

They haven't sent me anything else at all. There is a date of 06.07.06 printed at the bottom of some of the paperwork. I am wondering what to do next or more importantly what they will be able too do legally going forward

 

Many thanks

Link to post
Share on other sites

They can do or at least try to do whatever they want including issuing a summons.

 

I am not sure where this guy got the specifics of regulation 2 being explicit but again I don't think his typo will be important.

 

If it were me I would write back saying simply that the documents they have sent do not comply with the requirements of S78 cca you might want to add if they could provide a link to back up their claim they do not need to be an exact copy although it is true they do not need to be an exact copy.

 

Others may tell you to simply ignore and stop making payments.

 

How much do they claim you owe?

Any opinion I give is from personal experience .

Link to post
Share on other sites

is your name and the correct address for the times on the agreement and the 2 copies of T&C's?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Sorry I didn't see all the extra copies of terms and conditions and while they maybe there two points

1 I can see no mention of default fees anywhere other than on the original document

2 Back in 2006 most if not all credit card providers allocated payments to the lowest interest rate first I.e cash advances would be last. On the original recon that is not the case so you would need to search the Internet for copies of agreements from 2006 and see what they say.

 

Sorry I am on an iPad so struggle to look

 

I still suggest responding with a this doesn't comply letter .

 

Have you stopped payments?

 

As Di says, is the address on the recon the correct one for 2006

Any opinion I give is from personal experience .

Link to post
Share on other sites

I have stopped payments. With regards to the date there are no dates on any of it at all apart from in the headers and footers. If this is the date we are talking about then they have quoted an address that I didn't move into until 2 years later

Link to post
Share on other sites

lets narrow this down....

 

 

from the PDF you uploaded:

 

 

pages 2 to 7:

 

  1. there is no dates showing at all?
  2. but there IS an address showing on page 2
  3. is this the correct address for when you took the card out?

 

 

Pages 8 - 17

 

 

4.no name and address on page 8?

 

 

 

 

pages 18-24

 

 

5.no address on page 24?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

lets narrow this down....

 

 

from the PDF you uploaded:

 

 

pages 2 to 7:

 

  1. there is no dates showing at all?
  2. but there IS an address showing on page 2
  3. is this the correct address for when you took the card out?

 

No dates at all and the address is one that I only moved to in 2008

 

The only dates apart from the november date of this letter are in the headers and footers and that date is 06/07/06 and if this is correct then the address they quote on page 2 is wrong as I didnt move there until 2008

Pages 8 - 17

 

 

4.no name and address on page 8?

 

There is no name and address on page 8

 

 

 

 

pages 18-24

 

 

5.no address on page 24?

 

The address on page 24 is the address I live at now which definitely wasnt the address at the time

Link to post
Share on other sites

then it be bog roll taken out from various filing cabinets

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

No current wisdom is you don't tell them

See how it goes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

After reading all of the document I would agree with do and ignore my previous opinion.

Just one question for clarity

 

The address on the first recon document which is page 2 I think . I am assuming that is your present address and not the address you lived at when you took the card out.?

 

If they send a LEtter of claim or letter before action you must respond to that. As for now there seem to be so many flaws with what they sent they have little hope.

Any opinion I give is from personal experience .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...