Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • Recommended Topics

  • 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
  • Recommended Topics

Is this a valid consumer credit agreement?


MBciti
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5935 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

 

I have a problem with Citi Cards and requested a copy of the consumer credit agreement I sent the first request (as outlined by this site - thanks guys) on the 22nd september 2007 and included the £1 cheque as advised.

 

They failed to respond so i sent another request on the 11th of Oct 2007 with another £1 cheque, still no response, so I sent a 'default' letter (again as outlined on this site) on the 25th October 2007. I then sent them a Subject Access Request on the 19th December, to which they have not responded. But, they finally sent a copy of my original application form on the 28th February 2008. shown below...

 

They have charged me additional charges and interest during the period of default, and refused to refund it. I have not paid a penny on the account since it went into default. And as they have to refused to refund the additional charges and interest I have refered the matter to FOS.

 

LetterbackfromCiti12February2008part2upload.gif

 

LetterbackfromCiti12February200 part3.gif

 

My question are;

 

- does the application form constitute a Consumer Credit Agreement?

- what are my options regarding the timings of their response and further possible action?

 

Thanks in advance to anyone who can help

Link to post
Share on other sites

Its not an agreement - its an application form for credit which is entirely different. As to timing, they have committed an offence in not complying with requirements to supply a copy of the agreement. Also, even if that were an agreement, it does not comply with the regulations.

 

As for charges, a creditor is not entitled to enforce the contract, so they should not have added charges on. Glad you reported it to FOS - see what they say.

 

BTW - as they STILL haven't complied with the requirements they are still committing the offence

Link to post
Share on other sites

That is correct. It does not apply new agreements. Just as a warning though, I am still not totally au fait with this area (currently studying an awaiting results of assessment in this area). There is another thread which specifically deals with these issues, and regular posters there will be more familiar than I am with the requirements - you will be better posting there to get a response, though. I am sure that I am correct in what I have said.

Link to post
Share on other sites

Hello poster.

 

It is quite clearly an application for credit.

 

Also, why did you send another £1 payment for the agreement just because they ignored the first?:confused:

 

And why did you send them a 'default' letter? As far as I'm aware there is no need to do this. It is for them to comply with the law.

Link to post
Share on other sites

Thanks for all the responses

 

The reason for the second £1 was benefit of doubt that they had received the first one - they didn't cash the first cheque until they had received the second one???

Link to post
Share on other sites

Hi MBciti

 

I just searched for this thread after reading your requests in another thread. Perhaps you ought to post a link to this thread in the other thread to direct people here as suggested? ;)

 

Anyway two further things strike me about your application form, neither of which may turn out to be relevant.

1. You have checked neither of the 'yes' or 'no' boxes in the PPI section (Cardholder Repayment Protection), so it would be interesting to know if you were ever charged for this.

 

2. I note that the original card was supplied by 'The Associates'. I too had one of these, and some time later the account was taken over by Citicard. Some time after that (2 years ago maybe) Citicard decided to combine that (now Citicard) account with another Citicard account (ISTR formerly Peoples Bank) which I also had. The same thing happened to 2 individual Citicard accounts (formerly Peoples Bank) held by my partner at around the same time. There was no choice for the customer in this action, and no further agreements were signed. If this has also happened to you then it may be relevant as I suspect that the agreement from the other account would also have to be produced.

Good luck

Rob

Link to post
Share on other sites

Thanks for the info Rob

 

I have taken that this is an eligble consumer credit agreement and have now offered to pay the standard minimum payment until I get an outcome from FOS.

 

I'm so sick of all this to be honest and a little fed up that the consumer credit act 1974 and requesting CCA's doesn't seem to offer consumers any real protection in any way. I am willing to fight this to the end, but am confused about my options. It seems (from the other thread) that this 'application form' is a valid consumer credit agreement.... I'm not sure what would happen if I said stuff it, and refused to pay them based on the fact that I do not have an agreement with Citi Cards and only have this application form from Citi cards.

 

When this all started way back in Sept 07 I was confident this debt was not mine, now I'm not sure, but, they have messed me around so much and for so long with providing just this 'application form' that I want to make them pay for the messing around. My plans and actions so far;

 

- I have forwarded the complaint to FOS and await their response.

- I have writen to Citi and confirmed that I have finaly received the application form and made an offer of minimum payments until we get the outcome from FOS.

- I have made a minimum (3%) payment on the outstanding balance

- I have made a complaint to the Office of fair trading (they are not really bothered, but gave me a reference number - Big deal)

- ICO inform me that they do not take on individual cases, so I have asked them to record the information in case they get more complaints, they have assured me they have logged the details, but I'm sure they are just playing lip service.

 

- I am now contemplating issueing a CCJ for the additional charges, associated costs and stress caused by dealing with this crap.

 

But I'm not sure what else I can do, seems like they have you by the wotsits even when they fail to comply with the Act.

Link to post
Share on other sites

Citi will try and confuse you as much as possible, it's standard tactic at least in penalty charge claims.

 

And obviously any interpretation of the law they give is going to be in their favour. As it stands they are in the wrong in not providing you a copy of your agreement.

 

So your concern is to try and obtain default removal more than any other part.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Guest Gertie100

Slightly confused here - it is not a copy of the CCA, but just an application form, so why have you accepted it as the CCA and paid money on this account?

I appreciate this can be a horrendous time when trying to educate these people in the legality of the law, but we all need to stick to our guns and not be intimidated!

Link to post
Share on other sites

As one of the posters in the other the other thread who has advised that IMHO this agreement could be enforced by a Court Order, could someone please explain why they consider it irredeemably unenforceable.

 

I have concentrated on the, signed by both parties, lower half of the front face of the document and the reverse side, referenced from the front.

 

gh

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

Link to post
Share on other sites

As one of the posters in the other the other thread who has advised that IMHO this agreement could be enforced by a Court Order, could someone please explain why they consider it irredeemably unenforceable.

 

I have concentrated on the, signed by both parties, lower half of the front face of the document and the reverse side, referenced from the front.

 

gh

I agree.

 

I do not understand why other posters have said this is not a CCA when it is clearly a combined application form and CCA, as was common with most if not all credit card providers from the 1980's onwards. I am not qualified to comment on its enforceability, although if a court order was needed they would probably get one no problem, but I would suggest trying to take action against them for not actually supplying a copy of the CCA would be a little misguided.

Link to post
Share on other sites

I agree.

 

I do not understand why other posters have said this is not a CCA when it is clearly a combined application form and CCA,

 

I'm quite confused with this statement.

 

You seem to be suggesting that should one complete an application form for credit then, at the same time, an agreement for credit is then also in force because you say they are 'combined.'

 

This is not how it works and which is why there are credit applications and credit agreements. They are not the same.

 

The card provider has simply shown that the poster has applied for credit.

 

I sent off a job application today. Does that prove anything other than I have applied for a job?

Link to post
Share on other sites

The customer declaration makes it fairly clear that the conditions of the agreement will apply 'if the application is successful'.

 

The customer signature box contains the statutory wording "This is a credit agreement regulated by the consumer credit act 1974 - sign it only if you want to be legally bound by its terms".

 

This type of combined form used to be commonplace - I worked for a bank in the 80's and can clearly remember the credit card leaflets with combined application forms/agreements. The agreement part only mattered if the application was successful.

Link to post
Share on other sites

The customer declaration makes it fairly clear that the conditions of the agreement will apply 'if the application is successful'. Which is why an 'agreement' needs to be issued. Should a court only require an application to enforce?

 

The customer signature box contains the statutory wording "This is a credit agreement regulated by the consumer credit act 1974 - sign it only if you want to be legally bound by its terms". And those terms have to be properly legally presented to the applicant in the first place.

The provider doesn't even appear to have anything as basic as their address which is a prescribed term.

I don't believe a court is able to ignore that fact-it is powerless.

 

This type of combined form used to be commonplace - I worked for a bank in the 80's and can clearly remember the credit card leaflets with combined application forms/agreements. The agreement part only mattered if the application was successful.

 

Also, the provider has taken almost four months to satisfy the legal obligations of a CCA request. And has still failed to produce what was asked for.

Link to post
Share on other sites

I'm quite confused with this statement.

 

You seem to be suggesting that should one complete an application form for credit then, at the same time, an agreement for credit is then also in force because you say they are 'combined.'

No, the agreement does not become executed until the creditor also agrees, signs and dates it

 

This is not how it works and which is why there are credit applications and credit agreements. They are not the same.

I will agree entirely with all of these arguments if you can find anywhere in the Act that says the agreement document cannot contain an application form.

 

The card provider has simply shown that the poster has applied for credit.

except the signature box is clearly marked "This is a credit agreement ....." and the document as a whole contains all the prescribed terms.

Any other required terms such as creditors address even the creditors signature can be overidden and the alleged debt enforced by a Court Order

I sent off a job application today. Does that prove anything other than I have applied for a job?

 

If the application form was combined with a contract of employment which contained all the t&c's for your employment, you signed the form agreeing that, if you got the job, you would comply with those t&c's however you also accepted the right to refuse/cancel, once accepted and then, subsequent to your application the employer approved, signed & dated it then yes, I guess it would.

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

Link to post
Share on other sites

If the application form was combined with a contract of employment which contained all the t&c's for your employment, you signed the form agreeing that, if you got the job, you would comply with those t&c's however you also accepted the right to refuse/cancel, once accepted and then, subsequent to your application the employer approved, signed & dated it then yes, I guess it would.

 

Wouldn't the above, in effect, be an agreement for an employment rather than what I first posted, a job application?

 

 

Also, Barclays Bank attempted to take me to court having only an 'application form.'

 

I pointed out this in my defence and they had 30 days to decide whether or not to pursue thier case against me. They decided not to.

 

One can only assume that they would not have been able to enforce it.

Link to post
Share on other sites

Ok, as no-one has produced any Law as to say why an agreement document cannot contain an application form I will explain why I think it can.

 

For an agreement to be unenforceable in a court we need to look at section 127(3). This is really important as this is the section upon everyone relies on when either defending against or claiming solely for an unenforceable agreement under the 'CCA'

(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

Section 61(1)(a) refers to form & content, any deviation from this making an agreement 'improperly executed'

 

61 Signing of agreement

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed

terms and conforming to regulations under section 60(1) is signed in the

prescribed manner both by the debtor or hirer and by or on behalf of the

creditor or owner

 

Now Section 65(1) states

 

65 Consequences of improper execution

(1) An improperly-executed regulated agreement is enforceable against the debtor or hirer on an order of the court only.

 

Basically saying any agreement is enforceable - However, section 127(3) states that it can only be enforced if there is a document in some form or another, signed by the debtor (does not need to be signed by creditor) which contains all the prescribed terms.

 

The prescribed terms are contained in Schedule 6 Column 2 and have been repeated many times, but are as below

TheConsumerCreditAgreementsRegulati.jpg

 

I do feel, given the above, that a document be it an application form or not, if it contains the prescribed terms and was signed by the debtor then it could be enforced as a valid agreement by the Court.

 

As to whether it would ...... well that's another thread

 

All IMO of course

 

gh

  • Haha 1

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

Link to post
Share on other sites

Gh2008

 

 

you are completely correct, the words Application mean nowt im afraid, if the documents contains the title credit agreement regulated by the Consumer Credit Act 1974 and contains the prescribed terms required for the type of credit being issued and hte document is signed by creditor and debtor a court can enforce the document as an agreement and issue an order pursuant to section 65(1)

  • Haha 1
Link to post
Share on other sites

(4) The court shall not make an enforcement order under section 65(1) in the case of a cancellable agreement if—

(a) a provision of section 62 or 63 was not complied with, and the creditor or owner did not give a copy of the executed agreement, and of any other document referred to in it, to the debtor or hirer before the commencement of the proceedings in which the order is sought, or

(b) section 64(1) was not complied with.

Which refers to the following-

64 Duty to give notice of cancellation rights

(1) In the case of a cancellable agreement, a notice in the prescribed form indicating the right of the debtor or hirer to cancel the agreement, how and when that right is exercisable, and the name and address of a person to whom notice of cancellation may be given,—

(a) must be included in every copy given to the debtor or hirer under section 62 or 63, and

(b) except where section 63(2) applied, must also be sent by post to the debtor or hirer within the seven days following the making of the agreement.

There is no way around this particular part.

I cannot see the address of the credit provider on the application/agreement anywhere on the documents.

Link to post
Share on other sites

(4) The court shall not make an enforcement order under section 65(1) in the case of a cancellable agreement if—

 

(a) a provision of section 62 or 63 was not complied with, and the creditor or owner did not give a copy of the executed agreement, and of any other document referred to in it, to the debtor or hirer before the commencement of the proceedings in which the order is sought, or

 

 

(b) section 64(1) was not complied with.

 

 

Which refers to the following-

 

 

64 Duty to give notice of cancellation rights

 

(1) In the case of a cancellable agreement, a notice in the prescribed form indicating the right of the debtor or hirer to cancel the agreement, how and when that right is exercisable, and the name and address of a person to whom notice of cancellation may be given,—

 

(a) must be included in every copy given to the debtor or hirer under section 62 or 63, and

 

(b) except where section 63(2) applied, must also be sent by post to the debtor or hirer within the seven days following the making of the agreement.

 

There is no way around this particular part.

 

I cannot see the address of the credit provider on the application/agreement anywhere on the documents.

 

 

 

Anglo Leasing Plc v Pascoe & Anor [1997] EWCA Civ 895 (31st January, 1997)

 

have a read of that case, it sets out the issues surrounding the sections of the act youve quoted;)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...