Jump to content


  • Tweets

  • Posts

    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • 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

Alphageek Vs Capital One ***WON***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5501 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 to everyone in the Capital One forum.

 

I am just starting out with my Cap One claim and having been reading a lot about MBNA recently, I was wondering why there were no threads in here about sending a CCA request initially.

 

I take it they can and do provide true copies of the executed agreement so a CCA would be a waste of time?

 

Thanks.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

  • Replies 248
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I should add that I am interested in a CCA because I have been getting charged for PPI and I don't remember requesting it.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Sent SAR via recorded delivery this morning to;

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

They will be deemed to have received it on 17/05/2007.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Alpha

No-one has replied to your Q, so here you are, this is what I sent (from letter in Templates Section:

Dear X

 

Re: ACCOUNT NUMBER: xxxx xx

With reference to the above account, I would be grateful if you would send me a copy of my credit agreement.

 

Within the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand that a copy of my credit agreement should be supplied within 12 working days.

 

Please note that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you very shortly.

 

Yours sincerely

Me

Enc.

Link to post
Share on other sites

Hello Paintball. Thanks for that.

 

Do you know if Cap One are being able to send the true copies of the executed agreement?

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Just read the post by BankFodder, New advice from the Information Commissioner, accordingly I have amended my CCA letter slightly. Added bit in red at the bottom.

 

Keep your receipts and counterfoil for the recorded delivery and use the Royal Mail site's tracking facility to get your proof of delivery (POD), print it out and staple them all together.

 

That will give them considerably less wriggle room :(

 

My House

My Town

Postcode

 

 

Date

Naughty Bank

c/o Wormwood Scubs

London

Postcode

 

 

 

 

Dear Sir/Madam

 

Re: − Account Number 0000 0000 0000 0000

With reference to the above agreement, I would be grateful if you would send me a true copy of the executed credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of this credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This £1.00 is to be used purely for the purpose of sending a copy of the agreement, and under no circumstances should it be used for any other purpose (e.g. credited to my account).

 

I understand a copy of this credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

 

Yours faithfully,

 

 

 

Alphageek

 

 

 

 

Enc: Postal Order serial number 000000

Via Royal Mail Recorded 1st Class – DL xxxx xxxx xxGB

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Good stuff.

 

In the light of a number of people in the Cap One forum who have requested theie CCAs and not received them (I received more garbled copies of my statements and a return of my £1 cheque which wasn't actually there), if the same happens to you, you may need to write in again with an LBA as it could be construed as non-compliance ...

 

Thoughts?

Link to post
Share on other sites

Well, the clock is ticking Paintball. So I guess it's just wait and see.

 

Did you CCA them and what was the outcome?

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Well, the clock is ticking Paintball. So I guess it's just wait and see.

 

Did you CCA them and what was the outcome?

 

Yes indeed tick, tock ...

 

I received from Cap One a letter saying 'here's your CCA and have your cheque back cos we don't charge for this'.

 

But ... no CCA just weird copy statemtns and NO cheque. Cheeky sods, if anyone from Cap One is reading this, you'll get your come-uppance:evil:

Link to post
Share on other sites

I have just been playing around with some of the spreadsheets and the APR calculator.

 

Cap One are currently charging me 34.93% APR on Purchases and the same on Cash Withdrawals. No wonder they print the monthly figure of 2.53% on the statements.

 

I don't consider myself to be a particularly stupid person, so how have I ended up using a credit card with such a high APR? Oh, I remember now - the banks have taken so much of my money over the previous years and I got in to a spiral of borrowing more to pay them and using CCards in place of being able to use my income! :-x

 

Capital One: What's in your wallet?

 

Lots of my money that's what! But when this is finalised, your card won't be in my wallet any longer!

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Hi, I have received a reply from CapOne. I will post it later.

 

I have tried to read through the .pdf version of the CCA (http://www.passprotect.studio400 .me.uk/Consumer_Credit_Act_1974. PDF) this afternoon and see lots of references to prescribed term and layouts etc. but cannot see a list of what these prescribed items are.

 

Can someone point me in the direction of a list so I can check what they have sent has all the things it needs to make it a proper agreement.

 

Thanks.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Here is the letter I received from them.

 

Capital One Bank (Europe) plc, PO Box 5283, Nottingham, NG2 3YG.

 

Alphageek

Address

 

22 May 2007

 

TEL: 0800 9525150

REF: xxxxxxxxxxxx

 

Dear Alphageek

 

Account No. 0000 0000 0000 0000

 

Thank you for taking the time to write to us about your account.

 

I understand you'd like a copy of your credit agreement so I've included a copy with this letter. I've also arranged to send you the terms and conditions for your account. These will arrive separately within the next two weeks.

 

You've asked that we don't use the postal order you've included in your letter for any other purpose. As we don't charge for supplying this information, I'm returning this to you and won't add it to your account.

However, your account is currently one month behind in payment and over the agreed credit limit so it is important you make a payment as soon as possible to avoid further charges.

 

I hope I've explained things clearly and you'll accept my best wishes for the future.

 

Yours sincerely

 

Person

 

Executive Office Manager

I am going to scan and upload what they sent me as the agreement. It's too low quality to OCR.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

Here is the 1st page

 

Note: I did not obliterate the bit where they signed it. Looks like it was done with a marker pen!

 

Here is the 2nd page

 

I also got my postal order back and a copy of a leaflet entitled "Please tell us when we make a mistake..." "...because nobody's perfect"

 

I am not sure if this agreement has all of the prescribed terms on it or not.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

I got this today in the mail from them;

 

My Address

 

25 May 2007

 

Dear Alphageek,

 

Account Number: 0000 0000 0000 0000

 

Thank you for your recent enquiry. I have enclosed details of the Terms and Conditions for your credit card account. Please keep these details for future reference.

 

If you have any further queries about your account, please call our Customer Services Team on 0800 952 51 50.

 

Yours sincerely

 

 

Signature

 

 

Person

Customer Accounts Manager

Two big pages of terms and conditions;

 

Page 1

 

Page 2

 

I also received a reply to my SAR with a load of computer abbreviations and their meanings, lots of screen dumps from their system showing my account details containing loads of the codes referred to earlier and my statements from date of opening to date.

 

There are two things I notice.

 

1: The T&Cs state charges of £12. My early statements show the old level of charges of £20

 

2: There is PPI on my statements and the information they have sent re my CCA request has no mention of PPI or me asking for it.

 

I am going to fill a spreadsheet in soon to work out the amount of charges etc. they have levied to my account.

 

Any advice on what my next move should be?

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

I have been using CompoundSheet_v1.9.xls from this site and have 1 question and 1 problem :D

 

Question: I cannot see anywhere where I agreed to PPI so I am going to claim this back. Do I just enter it on to the spreadsheet along the LATE FEEs and the like?

 

Problem: On the Charges & Interest tab, on the right where you enter Interest Date, Interest Charged, Account Balance at Interest Date and Interest Free Overdraft (I have entered 0.00 in this column), the Interest Paid on Penalties column is not populating with any values.

 

This is causing the s69 8% Interest tab and the C.Interest (Daily) tabs to have 0.00 in the columns where the interest on the interest I have paid on penalty charges should be calculated.

 

HELP! What am I doing wrong?

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

The google one's are 13 or 16 i believe. It looks like your using the really complicated one where you have to put your monthly balances in as well.

Just a straight forward, reason, amount, date, days passed and interest spreadsheet is what you need.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Thanks UKA - I think i'll have a go with No 16 form Vampiress's page.

 

I think I started with this one before and tried to export it to Excel. When office 2007 opens it, it shows a message about some data being lost?!?

 

Not very helpful at all really.

 

I'll fill in the online version and see how far I get. If it goes ok, I'll get my prelim posted soon.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

I have completed the spreadsheet and have included PPI as line items as and when they were debited against my account.

 

I opened this card account in May 2005 and in just over two years (if I have done the s/sheet right) they have levied £440.55 in unlawful charges. Add on 34.93% CCI and the total comes to £634.45 :o

 

No wonder they all think they're above the law. At that rate of profiteering they probably think it's worth the odd brush with the law and regulators.

 

So, I just need to know if I have done the right thing in including the PPI lines before I send off my prelim.

 

I'd also be grateful if someone could take look at the stuff they sent for the CCA reply. For a start, the place where they have signed has no date next to it. I am still trying to gather info on what should be on agreements to make them enforcible. I think I will be reading until Christmas looking at some of the CCA threads!

 

If it's not enforcible, I think I will claim back the unlawful charges and tell em to pray for the balance I owe.

 

Help :D

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...