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    • Hi dx It's with Step Change. Yes that is the balance outstanding plus interest.
    • Hi All, I don't want to keep asking unnecessary and daft questions but as I read up on on stuff to prepare my defence and tthink about my witness statement, I am perusing the following: The BPA Code of practice states under 13. Consideration and Grace Periods: 13.1 The driver must have the chance to consider the Terms and Conditions before entering into the ‘parking contract’ with you. If, having had that opportunity, the driver decides not to park but chooses to leave the car park, you must provide them with a reasonable consideration period to leave, before the driver can be bound by your parking contract. The amount of time in these instances will vary dependant on site size and type but it must be a minimum of 5 minutes. 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place.   Let's say a motorist spends a minimum of 5 minutes to decide, then decides to park, that 5 minutes now doesn't apply? That doesn't make sense to me. So now that a motorist has parked after consideration, thus commencing the parking period, the decision time doesn't apply and parking time commenced when? .... on entry to the car park? This, as far as I can see is not stated in the [Withdrawn] Government document which says: The Code also makes clear that the consideration period ends at the point when the driver has parked and is therefore considered to have accepted the terms and conditions, which could be within the five-minute allowance. Doesn't say anything about it not applying if a parking event takes place.   [Withdrawn] Private Parking Code of Practice: explanatory document – how was it developed and what will it change? - GOV.UK WWW.GOV.UK So, according to the BPA, if a motorist inadvertently overstayed by 12 minutes for example, they have the 10 minute grace period but because they decided to park, they don't have the 5 minute consideration period because they decided to park and have overstayed by 2 minutes? Sorry if there's something I'm missing here.  
    • there are several threads here already whereby the judge in such cases only made an order to pay the required sum, the registering of a criminal record is at their discretion or not. dx  
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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
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SAR Request


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There is much argument about this I recently asked the ICO for a definitive

answer to this and there is not one.

It depends on the view of the data controller as

to what is personal data, the can supply, they

may not supply it and may direct you sect 77/78 of CCA 1974.

I suggest doing both.

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Ok Thanks

I should of mentioned that this is now with a DCA, but after reading some threads it seems if you send a CCA to the DCA ( lol i think there could be a song there) they usualy write back saying they will ask the originator for it.

 

Do you think its better to send the CCA to the credit company or the DCA?

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Always the CCA goes to the DCA, the SAR to the original creditor,

when debts are sold it is with the minimum of data so if the agreement

has not been included then they must pass the request on.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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my view is that an original agreement would be personal data as defined as ordinarily it would be a document in a relevant filing system etc with a persons name/address etc on it, ie identifiable+related. as the ico say themselves; post #193 here http://www.consumeractiongroup.co.uk/forum/showthread.php?305755-Robinson-Way-\-Harwich-Farrelly-issue&p=3586658#post3586658

personal_data_flowchart_v1_with_preface001.pdf

ironically, a cca request does not now require that an actual copy of an original agreement be provided even if there is one (whereas a sar would!). a reconstitution would suffice provided it is accurate. (although it would seem unreasonable under a cca request not to send an actual copy if they have one. and they usually do if there is one. and under a sar there would not be the same effect following non compliance) but, yes one should be sent if there is one.

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The ICOs reply for a ''definitive'' answer was basically there is not one.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So would a SAR to a DCA only be of use to show harassment/dates/ownership/who sold to them?

Or are there any other uses?

Would I also be right in saying given the nature of DCAs they would be very economic with details in their reply?

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The ICOs reply for a ''definitive'' answer was basically there is not one.

 

yes, you said.

 

seems clear to me that it would be p data, following the ICO's own technical guidance/flow chart re 'personal data' linked above. (of course, if a particular original 'agreement' is not 'identifiable' eg (which is unlikely), then it would not be data as defined subject to a sar! not much odds though, as if there is one it will usually be sent at some point in either case)

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