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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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DCAs returning CCA requests!


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I have not seen the following issue on the forum and I am wondering if this is a new tactic by the DCAs and thought I would start a thread on how this practice should be combated.

 

I have had my £1 and CCA request returned from different DCAs, they claim they have closed the account and passed the info back to the OC.

 

My tactic is just to allow the clock to tick and at the end of 30 days write to them informing them they are now committing a criminal offence. I feel its their choice to act in the way they have - however the law is the law and they know they they have been CCA'd and they know what they have to do. If they do not wish to keep the £1 then thats their look out.

 

Anyone else getting this response and what has / will be your response?

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I personally would just wait and see what happens. It may be a sign that there is no credit agreement. If you then hear from another DCA, you can write and tell them the account is in dispute with the former DCA and they are in breach of the Consumer Credit Act trying to pursue it. It can be passed around a few times before it finally disappears off the face of the earth.

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I have been giving this some thought recently.

 

My understanding is that where a CCA request is made to a DCA who is acting as an agent for the OC, they are under an obligation to pass the request to the OC. The request remains valid, in my view, even if the DCA close their file - which I suspect they do in cases where they are on a small fee, so if anything other than a spot of light intimidation is required, they'll give up.

 

The £1 fee is the maximum that can be charged, but a DCA or OC doesn't have to charge anything at all. Therefore, the return of the fee does not mean that the request is invalidated or ended, though this would seem to be the implication of DCAs - they seem to think that if they decide that they are no longer acting for the OC, they don't have any responsibility for a CCA request.

 

It may, therefore, be worth including a short paragraph in CCA letters to DCAs, along these lines:

 

In the event that you decide to close your file and return the account to your client, you are reminded that as this formal request was made whilst you were acting for your client, you are still obliged to pass it to them.

 

I agree, however, that 'returning file' syndrome is indicative of a lack of a valid agreement.

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If the debt has been returned to the original OC, then would it not be prudent to CCA the OC?

 

 

Indeed, but by making a CCA to the DCA, this is effectively what one is doing, since the DCA acts as an agent of the OC.

 

When a DCA returns the file, the OC's usual course of action is to pass the account to another DCA, and so it goes on. Insisting that the CCA request is passed on may also be useful if it goes to court, when it can be shown that OC and its agents failed to comply with the law.

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I have been giving this some thought recently.

 

My understanding is that where a CCA request is made to a DCA who is acting as an agent for the OC, they are under an obligation to pass the request to the OC. The request remains valid, in my view, even if the DCA close their file - which I suspect they do in cases where they are on a small fee, so if anything other than a spot of light intimidation is required, they'll give up.

 

The £1 fee is the maximum that can be charged, but a DCA or OC doesn't have to charge anything at all. Therefore, the return of the fee does not mean that the request is invalidated or ended, though this would seem to be the implication of DCAs - they seem to think that if they decide that they are no longer acting for the OC, they don't have any responsibility for a CCA request.

 

It may, therefore, be worth including a short paragraph in CCA letters to DCAs, along these lines:

 

 

 

I agree, however, that 'returning file' syndrome is indicative of a lack of a valid agreement.

 

This is how I have read this issue and why I shall be waiting till the 12+2, then 30 days have passed and I will be reporting them immediately to Trading Standards - as they(as i read things) will then be committing a Criminal Offence.

 

A side issue from this is the fact that I have previously CCA Kays direct http://www.consumeractiongroup.co.uk/forum/general-debt-issues/131318-kays-cca-request.html?highlight=kays , but surprise, surprise the assigned it to a debt collecter the day just before they received my request. However, I had already CCA'd another DCA in regards the very same account the week before so they should not have passed it on to another DCA. Again I will just sit tight until the 30 days are up. Of course I could be wrong and they can assign a debt before the 12+2 days have passed?

 

Cheers

RFC

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Hi I had similar from barclayhard sent the cca request, unsigned of course. they sent letter aftyer they cashed the £1 stating that as I had not signe dthey do not need to supply, needless to say they are in full default now, and as I have moved i wonder if theyll wait 6 years?

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Hi,

 

Can anyone advise me on finding a template for getting account transferral to a DCA removed from OH's credit record? I CCA'd Debt Managers (or Morons as we call them) and they were unable to supply an enforcable agreement. Just out of principle we want to get the information removed from his C.R. Thanks in advance and sorry if this is the wrong place, I'm 29 weeks pregnant and very fuzzy in the head.

 

Cheers:grin:

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We had this from Aktiv kapital/thames, sent back the Postal order stating them and their client no longer wished to persue the debt and the account was cleared. Basically "we aint got proof you owe us plus its statute barred and you know too much for your own good about how we work so we might aswell admit defeat"!:p

 

Its stored in a safe place waiting for the next **** whos been sold it for pennies!:wink:

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Had the same myself from connaught after i cca'd them in Jan. Got the letter saying files closed and returned to oc, also returned the po.

 

hey presto exactly as SP says its been passed to a new dca now:o

 

Thanks to SP a letter was sent today stating whats been said above about account in dispute etc.

 

cm

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