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    • 7 weeks now. What happens if they don''t get back to me within the 8 weeks? They have to provide me a final response in that time frame right? 
    • Referring back to to your initial post... So not a judgment ?
    • 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.
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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.

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Marks & Spencer Credit Card


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If you have CCA'd them and not had a response for 12+2 days then your account is in default and they cannot do anything until they supply you with a valid CCA and you have the right to not pay them.

 

The 30 day thing does not exist anymore as it has been changed.

 

If they do come up with a valid CCA at some point in the future then you will have to start paying them back.

 

I personally wouldn't remind them that the account is now in default as they should know that already and by reminding them might speed them up to trying to find one.

 

You would be best to start you own thread so that other members can track it and advise you

 

Hope this helps

It's all fun and games until someone loses an eye :D

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Hello. I have CCA'd M&S Money and received no reply so I have sent them a follow up letter saying that they have a calendar month from the expiration of the twelve working days or they will have committed a criminal offence. The follow up letter was from a template off this site. Is it really a criminal offence ? Will my debt be unenforceable ? Difficult to believethis. On another matter many years ago I had an Amexcard which gave the holder an overdraft of £7,500 with Lloyds bank. That has been picked up by Lloyds TSB and whilst I am paying no interest and pay them £20.00 permonth I have CCA'd them and sent them a follow up letter. The dates are the same and wonder what I am best advised to do if no reply to either letter by 17th November which is the end of the calendar month.
It is not a criminal offence, it is a summary offence, with no penalty other than that they cannot enforce the debt whilst they remain in that position. The debt still remains, they just cannot pursue it.

 

 

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  • 3 weeks later...

Collect Direct UK are phoning twice a day and leaving messages and also sending my OH text messages. (Is her debt btw)

 

They keep saying that we have 48 hours to respond and that has been going on for about a week, lol

 

My little girl answers the phone and always says that my OH is not in. Sometimes they have asked when she will be back and the little 'un tells them to mind their own business!!!!!!:lol::lol::lol: She is only 5 and learning quick !!

It's all fun and games until someone loses an eye :D

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  • 2 months later...

Just been checking through all of the problem accounts I have an updating a few things, and have noticed that on Experian, it shows that a default was issued on 08/08/2007.

 

This did not show up in the SAR, so I am going to write to them to say that they have not complied with my SAR request and request a copy of it

It's all fun and games until someone loses an eye :D

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Hi

 

Just reading through your thread.

 

I am just trying to learn how this all works (trying to save my home and family!) Can I ask you?...

 

Are these people still harassing you?

 

Have you agreed a payment plan?

 

Did they admit it was unenforceable?

 

Thanks

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Hi

 

Just reading through your thread.

 

I am just trying to learn how this all works (trying to save my home and family!) Can I ask you?...

 

Are these people still harassing you?

 

Have you agreed a payment plan?

 

Did they admit it was unenforceable?

 

Thanks

 

 

Hi

 

In answer to your questions

 

1) I haven't heard anything since November 2008

2) I am not currently paying them I do not believe what they have is enforceable

3) They have not admitted that it is enforceable, as they are still hoping that they can scare me into paying them. No chance there btw.

 

Thanks

It's all fun and games until someone loses an eye :D

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Hi

 

In answer to your questions

 

1) I haven't heard anything since November 2008

2) I am not currently paying them I do not believe what they have is enforceable

3) They have not admitted that it is enforceable, as they are still hoping that they can scare me into paying them. No chance there btw.

 

Thanks

 

Why do you think that your M&S agreement is unenforceable ? I have a M & S Money credit card and I am being chased hard.

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Why do you think that your M&S agreement is unenforceable ?

 

Based on what Steven has posted in post #4

 

Also nothing different appeared in the SAR request, which confirms what they sent is all they have.

It's all fun and games until someone loses an eye :D

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Had a letter today from Collect Direct UK saying that they can offer me up to 50% discount and a monthly payment plan.

 

I will post the letter up tomorrow, but they are getting desperate.

 

If they had a valid CCA, then why would they be offering ANY discount instead of taking me to court. Makes you think, doesn't it !!!!

It's all fun and games until someone loses an eye :D

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The person who signed the letter should change his name to Joe.

 

Looks like they know they are stuffed

 

 

Haha, nice one

 

I am waiting for the day they offer me a 99.99% deduction!!! But will still not take them up on it, lol

It's all fun and games until someone loses an eye :D

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I was served court papers for M & S money credit card as a bullying tactic by hsbc solicitors. The documents they wanted to rely on in court were a pre contractual application form, ( their idea of a legal CCA agreement) a blank default notice and 6 years worth of statements. When the going got tough guess who won?? It never made it into court!!!!

Hope this helps!

Willow x :p

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THANKS TOO willow most interesting, i tried to get to your threads and got diverted to other threads, lol

 

anyway do you have an acutal thread of what happened on this m and s one pls, as i feel im heading in the same direction

 

would help a lot of us i think (((SORRY manc - asking for this on your thread)))

 

laters all angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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