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    • 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.   
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Data Protection v Debt Recovery


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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

dx100uk:cool:

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... 

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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

 

Here;s some interesting info - FV1's registered address appears to be 25 Cabot Square in London...What's HSBC's address, I bet in somewhere very nearby? FV-1 are not a limited company and their agents are NCO europe...DONT phone NCO, they are rude, aggressive and nasty...I'm going to dig around some more re FV-1 cos something's not right here...

Just hate every DCA out there

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

 

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

 

dx100uk:cool:

 

This is the letter I'm about to fire off to NCO Europe...What do you think?

 

24th February 2007

Ref/acc no:

To Whom It May Concern,

 

The first thing I am going to tell you is; I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. The second thing I am going to tell you is; THIS ACCOUNT IS IN DISPUTE….There, hopefully you can understand that.

Without going into too many details of the acts you will be breaking, let alone guidelines, if you attempt to try - I would like to inform you that I am fully aware that you cannot attempt to collect any alleged monies that your client claims I owe whilst this alleged debt remains in dispute.

Until this dispute is resolved with HSBC initially, then I will be have no dealings with NCO. Once my original dispute is resolved I will then be dealing with FV-1 and FV-1 only. Once they legally prove they are entitled to collect any monies from me, I will have further legal avenues to pursue with FV-1 and FV-1 ONLY re this alleged debt. I find it interesting that FV-1 are not a limited company and their registered address (Cabot Square- London) will need a personal visit to verify their existence.

Forthwith, if you attempt to make ANY further contact with me, I will consider NCO in breach of the many legislations that in in place to protect the general public. Consequently, I will file a complaint to the OFT and my Local Trading Standards Office against you. NCO Europe has a diabolic and shambolic reputation, and are very well known for the ‘bully-boy’ tactics they try to employ. This will not work with me, so please do not attempt to try. You may be able to fleece those less ‘clued-up’ than myself, but I will not lie down and pamper to your aggressive, illegal scare tactics.

 

Kind Regards

Just hate every DCA out there

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

  • Haha 1

:cool: sunbathing in juan les pins de temps en temps

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

 

Mmmm, wonder if they'll set up their own website---wonder what domain they'll use :lol::lol::lol:

Just hate every DCA out there

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