Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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

MTB v providian now monument


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

Thread Locked

because no one has posted on it for the last 3115 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

Hi

 

 

i have just recieved my reply for credit agreement.

 

 

What they have sent is a copy of the reply card with just my husbands signiture on it.

 

 

They have also sent a copy of the T & C,s but reading the reply card it states

" i HAVE READ CONDITION 22 OF THE T & C's"

but on the T & C they sent it only goes up to 15.4.

Could anybody tell me what is the next step please.

 

 

I have not recieved my statements yet but there is plenty of time left for these.

I sent for credit agreements because i have been on a DMP for 3 years and the debt has doubled in that time.

Link to post
Share on other sites

  • Replies 54
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I am assuming that the DCA is Monument and the original creditor is Barclaycard ? If so, the SAR should really have gone to Barclaycard in order to determine the charges applied to the account before it was passed to Monument.

 

You can still get some info. from your SAR to Monument though.... how much has been applied in charges since the account was transferred to them. Did you send the SAR by rec. delivery ? They have 40 days within which to comply with your request, which means that you now have to wait for them to send you all the data they have on you. The account is in dispute until they supply this information.

 

When you have received this information, you can then work out the unlawful charges that Monument have applied to the account and claim them back.... reducing the amount owing. If the debt has doubled since you first started repaying, it sounds as if these charges could wipe out the amount they claim is still owed by you.

 

If they haven't got a valid CCA, the account should be passed back to Barclaycard anyway.... an Application Form is not a CCA.

 

:)

Link to post
Share on other sites

Monument isnt a debt collector they are the original lender. Providian was the lender which then changed to Monument.Yes i sent it recorded del.what should i do next.Thanks

Link to post
Share on other sites

i think what you are saying is you took out a card with providen and then it changed to monument, is this correct? if so you would send your SAR to monument. Monument is actalluy part of Barclays and you will end up dealing with them but under the name Monument.

Link to post
Share on other sites

Monument isnt a debt collector they are the original lender. Providian was the lender which then changed to Monument.Yes i sent it recorded del.what should i do next.Thanks

 

Wait and see what comes back and go from there...

 

:)

Link to post
Share on other sites

yes i took the card out with providian now monument.

 

 

Do i send them anything because they have not sent a proper credit agreement or wait till i get my statements.

 

 

I read somewhere that if they dont send proper agreements you have send them a letter saying they are in default

and after another 30 days it is a criminal offence.

 

 

D o i send a letter and if so which one do i send.

 

 

Thanks

Link to post
Share on other sites

No, don't bother. If those charges exceed the amount that they say you still owe.... then they might owe you. The account is in dispute with a SAR anyway, so they are not allowed to pursue you for payment until they have complied.

 

If there is any debt left outstanding, you can mention the CCA non-compliance then.

Link to post
Share on other sites

Thanks, i,m glad youre here to help cos i was going to send them a letter saying they were in default. Its confusing when youre reading so many threads.So they cant sell it on to a debt agency at this time or take me to court can they?

Link to post
Share on other sites

Thanks, i,m glad youre here to help cos i was going to send them a letter saying they were in default. Its confusing when youre reading so many threads.So they cant sell it on to a debt agency at this time or take me to court can they?

 

They are not supposed to do anything while an account is in dispute.... so if you get any aggravation, come back on here for advice.

 

:)

Link to post
Share on other sites

Hi,

 

Welcome! Not sure what to advise you but will 'bump' your thread to bring it back to the top & hopefully someone will be along with some advice. Good luck.

 

Villafan

Link to post
Share on other sites

  • 1 month later...

I have not recieved my statements from my sar request and i have sent them a lba letter.

 

They have only sent me a copy of a reply card from my credit agreement request(its the same as Lady H)

and the T& C'S are for Monument not Providian who i originally took the card out with

and on 10 june they will have committed a criminal offence.

 

 

Can anybody tell me what letter to send next regarding the credit agreement please.

Link to post
Share on other sites

HELP.

 

 

Monument hav'nt replied to my SAR request.

I've sent the LBA letter and the deadline was today 11th.

 

 

They also have committed a criminal offence on the 10th regarding the credit agreement.

 

 

I have sent them a letter today informing them the account is unenforceable at law because they didn't send a proper credit agreement(just a reply card)

and i have stopped all payments on the account,

 

 

but do i take them to court over non compliance on the SAR request or do i wait until they get in touch with me

and deal with it along side the non compliance of the credit agreement.

 

 

Can anybody help please cos i'm unsure what to do now.

Link to post
Share on other sites

  • 4 weeks later...

Hi just to update.

Monument sent me a reply card instead of a credit agreement, no prescribed terms on it whatsoever.

Failed to reply to SAR request.

I sent them this letter

Dear sir or madam

 

Request for true copy of Credit Agreement under Sections 77/78 of the Consumer Credit Act 1974

 

I wrote to you recently requesting a true, signed copy of any credit agreement that exists in relation to the above account. This is my right under Sections 77 and 78 of the Consumer Credit Act 1974 on payment of the statutory fee of £1.00. This payment was included with my original request.

 

Under the terms of the above Act, a creditor has 12 working days to provide the requested document. Should they fail to do this, they have a further calendar month to rectify this default. Failure to comply within these timescales is a criminal offence.

 

Both of these deadlines have now passed and I have received nothing in relation to my request. This can lead me to only one conclusion, that being that no signed credit agreement exists in relation to this account.

 

As I am sure you are aware, an agreement that does not contain all of the prescribed terms, and/or is not signed by the debtor, is completely unenforceable, even in a court of law. This will be a complete defence to any court action that you may consider taking.

 

On the advice of the Financial Ombudsman, I am now requesting a final decision in this matter from you. Should this decision not meet with my satisfaction, then I will pursue the matter through the Ombudsman. The maximum timescale for you to give a final response to any complaint is 8 weeks. This time runs from the date of my original complaint, in this case that is the request for a true copy of the credit agreement, 19 - April - 2007.

 

Please note, you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with the credit reference agencies. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

There has never been any regulated agreement in relation to this account, and therefore you have never had my consent to process my data. I also do not see how you can state that you have a legitimate interest in processing my data as we have never had any contract that would enable you to do this.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

 

Furthermore, you should remember that a creditor is not permitted to take any action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and therefore the following applies:

You may not demand any payment on this account, nor am I obliged to offer any payment to you.

You may not add any further interest or charges to this account.

You may not pass this account to any third party.

You may not register any information in respect of this account with any of the credit reference agencies.

You may not issue a default notice related to this account.

Be warned, the CCA 1974 is clear that a default can only be issued for breach of a valid, regulated agreement. If there is no agreement, as in this case, then you cannot issue a default as I have not breached any valid, regulated agreement.

 

I look forward to your final decision on this complaint within 21 days. This should include your proposed actions in relation to the lack of a credit agreement.

 

Yours faithfully

 

They have replied by saying that they have full filled their obligations under section 78 of the Act by sending a copy of executed agreement( no APR, terms, their signature or original T&C's), and that the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 make clear that there is no rquirement for the copy to contain the original signature box.In these circumstances, we shall continue to collect the outstanding debt, which remains due to us in accordance with our normal processes,and reject any liability under the Protection From Harrassment Act 1997

 

 

What is the next step Please. Can any body help.

Thanks Alamand

Link to post
Share on other sites

Sorry for not replying to some of your earlier posts... I was off the CAG for a while following an accident...

 

You need to decide whether you want to acknowledge the debt by going after charges (SAR)... or not acknowledging the debt by them not sending you a CCA and withholding all further payments on the account.

 

If Monument/Providian haven't sent you a CCA.... then they cannot re-enforce the account in court until they can produce it. If there is a considerable amount owing, then just report them to TS/OFT for non-compliance and leave it at that. There is no need for you to make contact... and if they try and pursue the account whilst in default of your request, they can be reported for that as well.

 

They may have fulfilled their obligations by sending you an unsigned copy of an Agreement... but unless it is your Agreement, signed by you and by them and includes terms and conditions, APR, etc.... it cannot be re-enforced in court because their is no properly executed document to re-enforce.

 

:)

Link to post
Share on other sites

Thanks Priority1

I will report them to TS/OFT.

the reply card has no prescibed terms whatsoever.I only wanted charges back, but they have ignored SAR so because of no credit agreement I will go that route instead.Monument have been a nightmare since we got the card.

Thanks again

Alamand

Link to post
Share on other sites

Was it anything like this one on my thread, and have they been charging you "payment break" (PPI) as well?

 

i'm right in the middle of a battle with them. I have just entered a default judgement for the charges, but am having a fight with the PPI.

 

they dont stand a chance

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-763464.html

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

Hi Dave,

Yes its similar to yours, but mines with Provident, who Monument took over about a year later.

 

I dont know about PPI cos they havn't replied to my SAR request yet and its way over due,

 

 

but I'm not pushing for that yet cos they have not sent a proper credit agreement.

 

 

I'm just in the middle of writing a letter to TS and OFT and see what happens.

Link to post
Share on other sites

I'm sure you mean Providian...:) thats who mine was with as well.

 

and yes they do take an age to give you anything

 

the PPI should be on your statements......they tend to take it if you agreed or not!

 

I am claiming it back because I never agreed to it and there is no proof i ever did, no ticks on any box's, Nothing!

 

where are you writing to is it in Crawley?

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

Yes I mean Providian.

 

I have been writing to Northampton, but the last letter thay have sent is from Crawley, so I am going to start sending there.

 

They sent the reply card well within the time limit, but not statements.

 

 

I have stopped payments to them from this month, so we will see how they respond now.

 

Priority1 says just report them to authorities, so I'll do that, on non compliance of CCA and SAR.

Thanks

Alamand

Link to post
Share on other sites

The reply card is not enforceable as an agreement!

it has no prescribed terms or required terms...in fact it sucks

(who designed these things.....)

 

when I get through with mine I'm going for all the interest I've ever paid them!

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

Good luck with that.

How far have you got with them. Im at the stage where I'm reporting them to TS, and have stopped payments.

This morning they have finally replied to SAR by sending a sheet with some charges on and returned my £10 cheque saying if I want more information i need to pay £10??????????

I really dont think they know what their doing.

Alamand

Link to post
Share on other sites

  • 5 weeks later...

Hi everyone.

I've reported Monument to my local trading standards. The person I spoke to seems to agree that the reply card is not an agreement and she has transferred my case to the appropiate trading standards who deal with Monument.

When I hear from them I will let you all know.

Thanks

Alamand

Link to post
Share on other sites

I'll wait for the news.....

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

  • 6 months later...

Hi just an update

Monument have now started a payment break on this account.

 

I sent them a letter asking for the executed agreement and the payment break agreement I am supposed to have signed.

 

They have just replied by saying they have already sent the executed agreement (reply card received ),

and that they have started the payment break as a goodwill gesture.

 

They say they will contact me in the near future to discuss how I am going to pay this debt off.

 

This is very weird

Alamand

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...