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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Who can a DCA legitimately pass your details on to if they don't own the debt?


2Grumpy
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There is a data protection clause on credit applications, saying who the bank can pass your details on to.

 

I think that if the DCA doesn't own the debt, then the only people that a DCA can pass your details to is another DCA, provided that isn't done in order to confuse the debtor, or a tracing agency if they don't know your address. These are connected with actually collecting the debt.

 

I suppose the bank might have delegated the update of CRA's to them as well.

 

I suppose they might also give details to the bank's solicitors if required.

 

I don't think that the dp clause allows a DCA to pass your details on to anyone not directly connected to the collecting activities.

 

For example, if the DCA passes your details on to their solicitors who write to say that they might start proceedings in the DCA's name (not the bank who owns the debt) then, because only the owner of the debt can start proceedings, that would not be an activity related to collecting, and so the DCA should not have passed your details on to their solicitor and so have broken the data protection act. The DCA would be mis-representing their position in this case and the solicitors letter would be harrassment.

 

Am I right. If so, can I take on the DCA for the breach of the data protection act?

 

Grumpy

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You need to keep hold of what your objective is in all of this, or you could get carried away with pointless legalities which unfortunately, get you nowhere in the real world.

 

Are you dealing with a particular DCA at the moment ? Has the account been passed from pillar to post ? Have you requested any CCAs ? If you can give a little background info., to you post, we will try and help you.

 

:)

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Thanks for your comments P1.

 

My son's DCA has passed details on to their solicitor who say that the DCA may instruct them to start proceedings (in the DCA's name). The DCA does not own the debt.

 

I get the impression that this kind of behaviour is quite widespread, so I thought that a discussion here might be useful.

 

Have sent SAR with no results so far, but am trying to get everything lined up for a complaint to FOS / Trading standards.

 

I take your point about pointless legal battles - won't be doing anything more than a complaint, but I want that to be as strong as possible.

 

Grumpy

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Hi 2Grumpy, I think you've raised a very interesting point that I'd like to know the answer to as well.

I'm wondering whether the fact that some DCA's are actually owned by the bank which the debt is owed to, makes any difference. At the moment I'm having personal experience of Barclays and a DCA called Calder Financial. On the bottom of Calder Financial's correspondence it gives the information that they belong to Mercers and we know that Mercer's belongs to Barclays, so it all gets very tangled.Now Calder s have passed my details on to yet another company called Scotcall. Calder's letter tells me they are passing my details to a local debt collectoin company so that they can pay me a visit. However Scotcall's address is given as Glasgow so maybe someone at Calders doesn't know that Devon, where I live isn't in Scotland. :confused:

If they are breaching the Data Protection Act, it could be a very useful tool for curbing these idiots mind games.

Best wishes,Patma

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Patma

 

It might make a difference if they are owned by the creditor

 

Also I think that one DCA can use another DCA - it's still a collection activity, but the daisy chain of DCAs owned by the crditor might be viewed as confusing!!!!

 

Grumpy

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Thanks for your comments P1.

 

My son's DCA has passed details on to their solicitor who say that the DCA may instruct them to start proceedings (in the DCA's name). The DCA does not own the debt.

 

I get the impression that this kind of behaviour is quite widespread, so I thought that a discussion here might be useful.

 

Have sent S.A.R - (Subject Access Request) with no results so far, but am trying to get everything lined up for a complaint to FOS / Trading standards.

 

I take your point about pointless legal battles - won't be doing anything more than a complaint, but I want that to be as strong as possible.

 

Grumpy

 

 

Hi 2Grumpy

 

now my understanding of this is, if the DCA has had the debt assigned to them,and htey have the rights and responsibilities with this assignment they can pursue litigation in their own right and using their own name.

 

however if they are acting as agents on behalf of the creditor they would have to instigate proceedings in the name of the creditor

 

its a rather messy area " assignment" so it depends on what has actually happened

 

regards

paul

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Thanks Paul

 

That's what I was thinking. I am specifically interested in the case where the debt is not assigned and the DCA is acting as an agent of the creditor. I have seen lots of threads where the DCA's solicitor threatens court action in the DCA's name when they haven't had the debt assigned to them, my son included.

 

I was thinking that this gives 2 sticks to poke them with

1. Breaking OFT guidance by acting in a misleading way

2. Breaking the data protection act by passing details on to a third party not a pert of the collections activity - which I think is a stronger stick to poke with!

 

The CCA will allow data to be shared in some ways, but if the organisation that they shres with isn't covered by that then I see problems for them. Now at the moment I don't know what the original CCA says, but I think that this increases the size and scope of the complaint whether or not they produce it. I could also complain to the information commissioner. I suspect that it might be possible to start (or threaten to start) proceedings against the DCA for giving his information to an unauthorised third party - an even better stick to poke with!

 

Grumpy

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  • 4 weeks later...

My son complained to both the DCA and the OC about this.

 

The DCA wrote back saying that they had would have been instructed by the OC to start proceedings.

The OC says that DCAs can do this, doesn't say that they instructed the DCA to do it, but goes on to say that they refered the account to another DCA the same month - it doesn't add up.

 

Both ignore the actual complaint that the DCA was threatening action on its own account and not on in the name of the OC.

 

Any advice before he writes back to them?

 

Grumpy

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