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    • Aesmith - Thank you for your recent interest in my issues.  Input on people's topics can be most useful from specialised experts or those that have similar experiences.  Some people really struggle with knowing what to do (I certainly do) - so it is most useful and helpful and reassuring when solid sensible advice is offered.  I have found there to be some very kind, helpful, supportive and legally knowledgeable people here on cag over the years - who give sound legal advice for people to roll up their sleeves and follow up on.   Of course, sometimes it can be quite challenging sifting the wheat from the chaff.  I don't have lawyer or barrister.  I sometimes attend pro-bono legal clinics for help.  And sometimes have access to barristers via a pro-bono service called Advocate.  Both ad-hoc. Pro-bono means 'free'
    • The Judge was wrong. The keeper is only INVITED to say who was driving, there is no obligation for them to say.
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    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
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      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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debtfreemummy v Mint (old card)


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Hi all

I had a Mint credit card - which I settled last year, and am trying to get hold of copies of statements to see what they've charged me over the years!

 

I sent out an S.A.R on 1 May - and have had no response - so have just sent them an LBA about them not responding. At the same time I also asked for a copy of the CCA.

 

I've just received a letter back from them (with my £1 cheque refunded) saying

"Your request for documents under the Consumer Credit Act contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.

As you are aware, this account was fully repaid in April 2006 and therefore there is no active account agreement between RBS Mint credit cards and you with regards to the above account.

The Consumer Credit Act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligations to us under the agreement has ended. I trust this clarifies the matter for you.

With regards to the data subject access report, I have forwarded your letter to the regulatory risk department who will respond to you accordingly"

 

Is that right? As the account was already settled should I not have asked for a CCA? Do I need to anything else now about that, or just wait to see if they reply to my SAR letter? Should I expect a similar letter from the other credit card I settled too - & have also sent an SAR/CCA to?

 

Thanks for any help :)

Sharon x

xSharon x

Debtfreemummy (well I will be - one day!) :grin:

 

-LLOYDS TSB (2 accounts)

Sep 07 - awaiting current bank/OFT court case

 

-Lloyds TSB Visa - S.A.R - sent 1.5.07 - rec'd statements but not in full

-Mint Visa - S.A.R - sent 1.5.07 - not rec'd anything!

-Marbles Visa - S.A.R - sent 1.5.07 - statements rec'd 14.6.07 but not in full!

-Egg Visa - S.A.R - sent 1.5.07 - rec'd statements

 

 

-Lloyds TSB Loan PPI - after going through FOS received offer of full amount + interest!

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Hi

Just wondering if anyone can help me with this query?

 

Is it right that they SHOULD still have a copy of my CCA to send out? (the card was only settled last year!)

 

Please help!

Thanks

Sharon x

xSharon x

Debtfreemummy (well I will be - one day!) :grin:

 

-LLOYDS TSB (2 accounts)

Sep 07 - awaiting current bank/OFT court case

 

-Lloyds TSB Visa - S.A.R - sent 1.5.07 - rec'd statements but not in full

-Mint Visa - S.A.R - sent 1.5.07 - not rec'd anything!

-Marbles Visa - S.A.R - sent 1.5.07 - statements rec'd 14.6.07 but not in full!

-Egg Visa - S.A.R - sent 1.5.07 - rec'd statements

 

 

-Lloyds TSB Loan PPI - after going through FOS received offer of full amount + interest!

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I suppose it depends on how you asked for your old CCA.

 

If you just specifically asked for it on its own then I suppose what they say is correct, but if you asked for it as part of an S.A.R - (Subject Access Request) making a specific request that they include it with your other details then that's a different matter entirely.

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Hi Kurt

I sent the original SAR but forgot to include about the CCA.

 

So when they didn't respond within the 40 days, I sent out an LBA giving them another 7 days and then included my £1 cheque and asked for my CCA in the same letter.

 

Sharon

xSharon x

Debtfreemummy (well I will be - one day!) :grin:

 

-LLOYDS TSB (2 accounts)

Sep 07 - awaiting current bank/OFT court case

 

-Lloyds TSB Visa - S.A.R - sent 1.5.07 - rec'd statements but not in full

-Mint Visa - S.A.R - sent 1.5.07 - not rec'd anything!

-Marbles Visa - S.A.R - sent 1.5.07 - statements rec'd 14.6.07 but not in full!

-Egg Visa - S.A.R - sent 1.5.07 - rec'd statements

 

 

-Lloyds TSB Loan PPI - after going through FOS received offer of full amount + interest!

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well TBH what point is there in you getting a copy of your agreement?

its paid off anyhow, so its not as if they are chasing you for a debt?

but i dont agree with what they say no, cheeky beggars!

 

dx100uk

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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