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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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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.

      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
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you cant really stop them asking her for a interview as it is now a procedure she has to go threw.

 

You can ring them on tuesday and say she is to unwell to attend and any interviews would need to be done at her house.

 

The problem is the interview effects her benefits so if she doenot turn up they will be instantly stopped. but you can appeal this due to illness. He illness should be a good reason for her not having her benefits stopped.

 

Just ring them and explain the situation they might be helpful.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Another issue resolved - well done :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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can some one answer a question for me - MBNA have sold on the Debt which cant be chased, Everheds have said as much, so whats the point? Its a write off to who ever has the debt, isnt it? I am very confused about this, I am sure its nothing that I need worry about, but its seems a pointless excercise.

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can some one answer a question for me - MBNA have sold on the Debt which cant be chased, Everheds have said as much, so whats the point? Its a write off to who ever has the debt, isnt it? I am very confused about this, I am sure its nothing that I need worry about, but its seems a pointless excercise.

 

All these companies seem to specialise in pointless exercises. I think they do it in the hope that they will bleed a few pounds out of some poor person who is intimidated by the harrassment.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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jsut inform them about the brankruptcy and inform them that MBNA nos about it.

 

Also infor the OR as MBNA my have broken some rules.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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can some one answer a question for me - MBNA have sold on the Debt which cant be chased, Everheds have said as much, so whats the point? Its a write off to who ever has the debt, isnt it? I am very confused about this, I am sure its nothing that I need worry about, but its seems a pointless excercise.

 

Eversheds, Max Recovery, and other similar companies buy bankruptcy debts.

 

They buy them in bulk and pay very little for them. While most will never generate a dividend from the OR/trustee, the odd one or two that do means they will on average make a profit.:rolleyes:

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

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Eversheds have said that we will never hear from them again as they will be talking to the OR - well they will not get anything for this one - as the OR has already determined there is no income that can be used (benefits being exempt), there are no assets either. So there must be enough people out there who go bankrupt who do have to pay something, thus making it worthwhile for the likes of Eversheds, interesting. Will be interesting to see what happens with the Barclaycard one, although that is currently in their fraud investigation department. They were the worse as far as chasing my daughter was concerned, but they did believe my daughter regarding the impossiblity of the expenditure on her card being my daughters doing, especially the ones where my daughter was in intensive care in Papworth, and the spending being done in Belfast.

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It'll be interesting to see what Barclays do with that.

 

If it does get sold on then most of them go to Max Recovery, which was why I mentioned them earlier. Again, they are normally very easy to deal with.

 

For example: Barclays sold my debt.....?

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

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  • 2 weeks later...

OK so we thought the worse was over - Council Tax - it seems that the Borough Council have decided to recalim the bit that was put on the bankruptcy by 1. bringing it forward to the new tax year, and 2. by cancelling her council tax benefit - of course the letter arrived on this (Saturday) morning so we cant talk to them until Monday morning to find out exactly what is going on. bu from the Council/housing Benefit office there is a letter clearly stating that they have cancelled her claim for Council Tax, does not say why and that they want the following two amounts of excess Council Tax Benefit Back £586.22 and £47.63 and the method of recovery is against her Council Tax Bill - however what I do not understand is that her council tax bills are for more then those amounts, the smaller amount is on one of the amended bills, the bigger amount doesnt show, in fact they want £950.77 from her. She cant pay this, her income is way too small to be able to afford these amounts. Dont understand at all why this has happened, trying not to panic on her behalf, and she isnt panicking 'cause she believes that I can sort out everything - I wish:(

 

 

Oh and Barclaycard are still investigating - now not sure if its the fraud dept or as a result of my complaints to TS, FOS etc. they have given themselves another month to satisfy themselves and us!

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If I were you, I would PM sequenci. He is having a few difficulties getting on line, and so if you want I will forward your email to him.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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panic over - what a pallaver! they have to send out all these letters to close the joint account, then they open the new account and give her her full council tax benefit, and send out more letters. How the hell do people cope with all this stress that these letters cause? Why does everything have to be so complicated? Transparency and simplicity would be so much bettter.

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Well its a council thing really.

 

What i found when i moved was they sent us a letter saying that we were not entitled to HB/CTB but never put that itw was for the previous tenancy.

 

So when i rang them up they appologised and said it was an error.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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panic over - what a pallaver! they have to send out all these letters to close the joint account, then they open the new account and give her her full council tax benefit, and send out more letters. How the hell do people cope with all this stress that these letters cause? Why does everything have to be so complicated? Transparency and simplicity would be so much bettter.

 

I think these people think we would be bored if everything was simple. I mean, we would be able to focus on our family and living our lives if we didn't have all this rubbish to deal with - heaven forbid :eek::mad:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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sister.

 

If they made everything simple and transparent then they would not need to have telephone pll to tell you yes we have made a mistake nor would they need to have ppl at a front desk to say the same.

 

Also i think they just wanted to cause a problem as they can.

 

How is your daughter now anyway?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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sister.

 

How is your daughter now anyway?

 

 

Ill - another infection. One of the vascular surgeons tried to blackmail her in to something she doesnt want, and told her that she would die if it wasnt done - he didnt allow for her knowing a little bit about her condition, and although it was upsetting she gave him what for with facts and stats - he later went back and apologised to her. I currently dont have much faith in those who are supposedly better educated then us - so many doctors and surgeons think they know it all - but they dont, they all know a little bit and are unwilling to see the whole picture. We are starting to take her out for little treats when she feels well enough. Some times she agrees, mostly she cries off, still trying to get her to come home (that is for my sake I agree - its so hard running two houses and working and trying to be a grandma to the little ones - so things get forgotten about, even serious things like end of tax year - got to work a bit harder, maybe start working through the night:( - need another couple of pairs of hands, or maybe an clone of me:wink: )

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lol completely agree the the allerged proffessionals there sister.

 

They still cant agree with what date i am due. it is now ranging from between the 5th june and the 15th june.

 

Glad she kicked his backside but i bet he did not like it.

 

Is there not a family member that can help with the basics like dropping buy and help with housework or end of year taxes maybe if you explain to them that your daughter is not well then they may give u a bit of breething space.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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well it was just a idea. maybe just maybe she will see sense one day and come home. She may think she will burden ppl.

 

Good luck with everything and try not to stress your self out over this.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you Chrissi

 

problem is that we run a couple of family businesses, thats what gets us the money to live on, theoretically I have loads of sisters as well as a brother, but I am the one who is supposed to help them being the eldest, i was told this in no uncertain terms when I asked them to think about us (daughter and me) when we went in to hospital 16 years ago for me to give a kidney to my daughter - I was asking for the world it seems, I was told that I shouldnt be bothering them with my problems, their lives were so much more fraught - I wasnt asking for anything concrete not even help for the care of my eldest daughter - she came and stayed in the hospital with us! I at that time a single mum with two youngish children one of whom was poorly. So I managed then and now I do have a partner who is wonderful and supportive, but there is a limit as to how much we can all do, so things do slip. We manage and will go on managing, and we do have some fun and laughter, but I could do with that holiday we had to cancel during March! I could sleep for a couple of years given half a chance. (We did have a few good years between transplant and cancer - now we talk about good days!)

 

Ah well lunch break almost over, off to postal pack all the orders! (Jill of all trades - thats me)

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well that is tupid. I am the eldestbut if l need help i ask and i get it. yes my partner is wonderful but as you said there is only so much that you both can do.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Its been taking forever but we now have the definitive answer. Virgin will not give her an account for TV and telephone, not even with a substantial deposit until she is discharged. They will not put it into my name as I already have an acount at a different address. They will not accept a guarantor either - all this via the CEO office.

 

There is no Aerial at her house so we will have to pay for that and a freeview box, considerably more expensive, and we need to persuade BT to give her a telephone account - now we know the downside of bankruptcy

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sisterno1, don't give up - get in contact with your local MP, the money program, business lunch etc, and if necessary buy a single share and inform the MD that you will be visiting them at their annual general meeting and asking them why they have chosen such action.

 

Basically, make a hell of a fuss;)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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oh can l help l love making a hel of a fuss.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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