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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Clarification re overdrafts and defaults - help required


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Hi I am engaged in a very nasty battle with NatWest re three defaults on two loans and an overdraft. The overdraft is entirely made up of bank charges plus interest. I served them with a CCA s77 request - the two loan agreements can't be found and defaults have been removed (small victory for me after several years). However, NatWest have stated (correctly as I since discovered by reading posts on this website) that s77 does not apply to overdrafts.My question is, if overdrafts are not regulated agreements under the CCA, then can a default be registered? Natwest are refusing to remove the default on the overdraft because they say the CCA is not relevant and the overdraft is not regulated by the CCA. But I thought credit defaults can only be registered on regulated agreements? In order for a default to be registered with a credit reference agency, surely there has to be a signed agreement and repayment plan for a breach to take place? Can anyone help clarify this? I am unable to find a clear explanation of this elsewhere.Many thanksplanetparker

______________________________________________

Capital One - DPA sent 13/06 (MCard) - have acknowledged DPA request, say they will send info shortly....

Egg - DPA sent 14/06 (2 Visa Cards) - standard request for identification document received in response to Data Protection Act

NatWest Current A/C - DPA sent 15/06 -initial estimate of claim is £4,358 plus interest (to be calculated) :-D

Morgan Stanley - DPA sent 15/06 (Platinum MCard) - have cashed my £10 cheque...no statements yet...

MBNA - DAP sent 15/06 (Visa and MCard) - acknowledged

Barclaycard - DPA sent 15/06 (Visa and MCard) - acknowledged

Bank of Scotland - DPA Letter sent 16/06 (Loan)

Beneficial Bank (HFC) - DPA sent 20/06 (Visa)

RBOS - (Visa and MCard) - DPA sent 23/06

Natwest (Visa) - DPA sent 23/06

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To say it isn't regulated by the Act isn't entirely true.

An overdraft is running account credit but the agreement is different for overdrafts than for other credit agreements. Section 74 of the Act allows for certain types of agreement to be excluded from part V (form and content) where the OFT has so determined. This detemination (the Determination) regarding overdrafts under section 74 was made on 21 December 1989 subject to three conditions.

 

(a) That the creditor shall have informed in writing the OFT of his general intention to enter into agreements to which the Determination will apply;

 

(b) that...the debtor shall be informed at the time or before the agreement is concluded

- of the credit limit, if any;

- of the annual rate of interest and charges applicable from the time the agreement is concluded and the conditions under which these may be amended;

- of the procedure for terminating the agreement

and this information shall be confirmed in writing.

 

© that where a debtor overdraws his current account with the tacit agreement of the creditor and that account remains overdrawn for more than 3 months, the creditor must inform the debtor in writing no later than 7 days after that 3 month period of the annual rate of interest and charges applicable.

My question is, if overdrafts are not regulated agreements under the CCA, then can a default be registered?
You seem to b confusing the two issues. There are many types of credit agreements which are not regulated e.g. most mobile phone contracts do not fall under the Act but this does not stop them registering a default for non payment. In your case you would challenge the default on the grounds that it is made up completely of charges.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi roryThanks for coming back so quickly. I am confused about the different kinds of defaults, because I have no written agreeement for the overdraft facility and nasty natwest never actually requested me to repay it before registering the default - which makes me mad!I have started my claim for the charges and am about to start Court action so hopefully this action will sort it out instead. One more question, if part © of the determination you posted has not been complied with, could the CCA apply and if so how?Thanks again

______________________________________________

Capital One - DPA sent 13/06 (MCard) - have acknowledged DPA request, say they will send info shortly....

Egg - DPA sent 14/06 (2 Visa Cards) - standard request for identification document received in response to Data Protection Act

NatWest Current A/C - DPA sent 15/06 -initial estimate of claim is £4,358 plus interest (to be calculated) :-D

Morgan Stanley - DPA sent 15/06 (Platinum MCard) - have cashed my £10 cheque...no statements yet...

MBNA - DAP sent 15/06 (Visa and MCard) - acknowledged

Barclaycard - DPA sent 15/06 (Visa and MCard) - acknowledged

Bank of Scotland - DPA Letter sent 16/06 (Loan)

Beneficial Bank (HFC) - DPA sent 20/06 (Visa)

RBOS - (Visa and MCard) - DPA sent 23/06

Natwest (Visa) - DPA sent 23/06

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To comply with the Act and for the agreement to be enforceable they must comply with the Determination. I assume you have included the removal of the default as part of your claim?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi rory

 

Thanks for clarifying this, I think I might have them for not complying with the Act as well then.

 

I am asking for default removal as well as the charges refunded - I will let you know how I get on!

______________________________________________

Capital One - DPA sent 13/06 (MCard) - have acknowledged DPA request, say they will send info shortly....

Egg - DPA sent 14/06 (2 Visa Cards) - standard request for identification document received in response to Data Protection Act

NatWest Current A/C - DPA sent 15/06 -initial estimate of claim is £4,358 plus interest (to be calculated) :-D

Morgan Stanley - DPA sent 15/06 (Platinum MCard) - have cashed my £10 cheque...no statements yet...

MBNA - DAP sent 15/06 (Visa and MCard) - acknowledged

Barclaycard - DPA sent 15/06 (Visa and MCard) - acknowledged

Bank of Scotland - DPA Letter sent 16/06 (Loan)

Beneficial Bank (HFC) - DPA sent 20/06 (Visa)

RBOS - (Visa and MCard) - DPA sent 23/06

Natwest (Visa) - DPA sent 23/06

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