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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
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    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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Archives of Abbeys web pages/ Terms and Conditions


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Can you help with T&C's for May 1999 ?

 

Thanking u in advance.

DozyTart

 

Here are the T&C's for Nov 1998, i am not sure if they were updated between nov 98 and May 99

http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html

 

Hope that helps.

 

Reka (Sam)

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Hi Dozytart!!!!

 

Just to let you know I did find alittle information about the T&C's for 1999 under the following link

 

Internet Archive Wayback Machine

 

However, please double check your bank account and this is the confusing part. My account is an instant plus current account which has different terms and conditions to a standard current account and Instant plus is no longer available.

 

I rang up abbey and they told me they would not send me out the T & C's and it was on their website. I made them hold on the phone and told them that it wasn't on their site so how would I get them. I was fobbed off and told to go into the bank in town So I did.

 

An advisor spent ten minutes trying to find my account t&c's which they printed out for me. They are slighly different i.e worded to the other 1999 T & C's so I am now confused as to whether I do have the correct ones - there is no way I can find out - only Abbey know. But it could mean that their template defence is not applicable as they have taken it from the current account. How do I know????

So I am going to include both T&C's in my defence as clearly in my case Abbey have not provided me with the correct T&C's and clearly the everyone in the bank was confused.

 

Abbey have have only ever sent me updated tariff charges.

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Lisa11,

Thx for the info and the warning - greatly appreciated.

Dozytart

 

Hi the T&C's I have are for Personal Banking Conditions May 1999 and it includes the instant plus account. These t&C's also include for cards as well.

 

I will email these to you as you have requested over the weekend when I have more time.

DS

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Help!!! Does anyone have a copy of the September 1994 terms and conditions? I need to file my bundle ASAP but can't find these conditions in an archive. All help would be greatly appreciated. Also, if anyone else is going through Bow County Court and has filed their bundle already could you get in touch. Ta xxxx

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Gary H gave me this advice... http://www.consumeractiongroup.co.uk/forum/show-post/post-1017243.html

and seeing as it's his Bundle suggestion, I'm going with him!!

Claiming £590 in unauthorized OD fees, and £100 in interest from Barclays.

 

Remember "He who pays the piper calls the tune" well I've paid Barclays far too much so bloody well dance!

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look at post 31 and post 29 above for t&cs for 1999 dunno how to do links daft eh been on here long enough maybe someone could tell me how xxkia

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Trying to find T&C's for August 2001 and when I click on the link on this thread it keeps telling me that they are not in the archive.

 

Also on my account it was originally a National & Provincial Account that converted to Abbey when they were taken over and i can't remeber when that was.

 

A reply is needed pretty quickly for the first lot as I have until Thursday to submit.

 

Thanks

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i only found our recently it means that this article will go to top of page and may be read more quicker is that good grammer or what lol so consider it bumped again xxkia

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  • 1 month later...

Took me ages to find the link to Abbey's current T&C's so I thought I would post it here for anyone else who wants them. I suspect they will disappear as soon as the new T&C's take effect on 10 September.

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  • 1 month later...
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  • 9 months later...

hi all i am an abbey customer aswell. i have a student account which i opened in 2002 (never really bothered upating to current) well even then i have been charged like mad i have orderd my full statement for six years and i know they owe me thousands over the 6 years. am i too late to put in a complaint or claim my money back, if not what are the steps i neeed to take against abbey can some one talk me through it step by step and simple pretty please.

 

lots of luv to all xxx :-x

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