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    • Fig. 5: Account Status Codes for Current Accounts Explained 0 Your account is in credit; your account is not overdrawn; you are managing your account within the terms of your agreement. 1 Agreed repayments are one to two months behind; your overdraft balance has been greater than your overdraft limit for one to two months; cheques, direct debits and standing orders may have been bounced to keep the account in order. 2 Agreed repayments are two to three months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a second month to keep the account in order. 3 Agreed repayments are three or more months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a third month to keep the account in order. 4-6 Agreed repayments are more than three months behind but you have agreed new repayments with the lender to bring the account in order. 8 Your overdraft balance has been greater than your overdraft limit for more than three months and you have not agreed new repayments to bring the account in order. The lender has decided that you have broken the terms of your agreement and has told you that your account is now in‘default’; the lender has closed your account. U Your account has just been opened; your account is more than three months old, has a zero balance and has not been used in the last month.
    • Para 4, ICO technical  guidance on the filing  of defaults at CRAs   4 It is an accepted industry standard to record only serious ‘defaults’ with credit reference agencies. The term ‘default’ on credit reference files is used to refer to the situation when the relationship between the lender and borrower has broken down. A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default. Where a code is used to describe a default or variation in payment, it should always be accompanied by an explanation in plain and intelligible terms which informs the reader of its meaning. 
    • I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.
    • Even if a county court case is issued against you and you loose if you pay within 28 days it dont go on your credit file and also its cheaper to go to court becasue the £60 is never allowed so it would be £200 if you loose £230 if you dont go to court.
    • The government is being scrutinised over trade deals with countries with poor human rights records? View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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can we this paper that says they will revoke her driving licence - suitable washed of personal detail of course. and no they can't touch her licence.

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"they will revoke her driving license?"

 

errrrrrmm:confused::eek: shocking

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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I was borrowing a friend's car today and she has received a parking ticket from Parking Control Services (not Parking Control Services Ltd) for £75 if settled in 14 days or £150 after otherwise they will revoke her driving license?

 

Does the letter actually say, 'they will revoke her licence'?????

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Hi,

 

Thanks for the quick replies. I have read the ticket this morning and it doesn't actually say that they will revoke, but it does say this will contact the DVLA for her license details if not paid within 28 days.

 

I have read various websites saying that these sort of PPC charges are unlawful (in this case it is not very well sign-posted at all) and not enforceable at all, particularly in this case as the registered owner wasn't the driver that got the ticket....?

 

Any further advice? If I shoud pay then I am happy to do so but I just hate the thought of me being ripped off.

 

Thanks

 

Andy

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Hi,

 

Thanks for the quick replies. I have read the ticket this morning and it doesn't actually say that they will revoke, but it does say this will contact the DVLA for her license details if not paid within 28 days.

 

I have read various websites saying that these sort of PPC charges are unlawful (in this case it is not very well sign-posted at all) and not enforceable at all, particularly in this case as the registered owner wasn't the driver that got the ticket....? (unlike "police or local authorities for the investigation of an offence, the registered owner is not obliged to give them this imformation)

 

Any further advice? If I shoud pay ("NO" "NO" "NO") then I am happy to do so ("NO" you are not) but I just hate the thought of me being ripped off (it is a [problem]).

 

Thanks

 

Andy

 

Currently, Regulation 27 of the Road Vehicles (Registration and Licensing) Regulations 2002 allows the Agency to release information from its vehicle register (not license) to the police, to local authorities for the investigation of an offence or decriminalised parking contravention, and to anybody who demonstrates ‘reasonable cause’ to have the information made available to them. Regulations also allow for a fee (£2.50) to be charged to cover the cost of processing requests.

 

they will threaten you with every trick in the book, solicitors, courts, locking up your parents, taking the kids off you, taking your house off you, trashing your credit files, the list goes on.

 

i stick to one golden rule: and it works

1. ignore

2. ignore

3. go to 1.

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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The general advice I have seen is not to pay and not to reply to them and hopefully they will go away....but im no legal expert.

 

PCS also issued me with tickets. I appealed and the reply they sent rejecting my appeal didnt even cover the points I raised in my appeal. In my case I have a pretty good defense and wont be paying them. Do you have any photos of the signs they are using? If they are like the ones on the site I parked at they arent clearly worded and miss out on many of the points the BPA asks them to include as part of their code of practice. Does anyone know if its worthwhile complaining to the BPA?

 

Also have a look at the ticket - the ones I have just have a date of issue and no time of infringement.

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Currently, Regulation 27 of the Road Vehicles (Registration and Licensing) Regulations 2002 allows the Agency to release information from its vehicle register (not license) to the police, to local authorities for the investigation of an offence or decriminalised parking contravention, and to anybody who demonstrates ‘reasonable cause’ to have the information made available to them. Regulations also allow for a fee (£2.50) to be charged to cover the cost of processing requests.

 

they will threaten you with every trick in the book, solicitors, courts, locking up your parents, taking the kids off you, taking your house off you, trashing your credit files, the list goes on.

 

i stick to one golden rule: and it works

1. ignore

2. ignore

3. go to 1.

 

cab

 

Hi Cab - thanks for this info - much appreciated! I am a little worried still though because I am not the registered owner that my firend is going to get hassled for this if I do not pay - I will feel awful if bailiffs turn up to her house for something that I have caused......

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BALLIFFS cant turn up untill its been to court and the 1000000 - 1 chance you loose and then dont pay

 

these idiots dont like it going to court , THEY LOOSE

 

its scare tactics

 

and they CANT , quote > "will contact the DVLA for her license details"

 

all they do is get the reg keeper details and send all sorts of stupid letters

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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Hi,

 

Thanks for the quick replies. I have read the ticket this morning and it doesn't actually say that they will revoke, but it does say this will contact the DVLA for her license details if not paid within 28 days.

 

Hi Drew, this is very confusing, are you sure they say they will obtain, 'her license details'? Soryy to go on but it is an important point as the DVLA should not release her driving licence details, only the Registered Keeper details, please confirm.

 

I have read various websites saying that these sort of PPC charges are unlawful (in this case it is not very well sign-posted at all) and not enforceable at all, particularly in this case as the registered owner wasn't the driver that got the ticket....?

 

If the registered keeper was not the driver, then they could not have enetered into a contract with the PPC end of game.

 

Any further advice? If I shoud pay then I am happy to do so but I just hate the thought of me being ripped off.

 

Well, if you do pay them then you will be ripped off, there must be a charity more worthy of your money than a [EDIT].

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Thanks for the quick replies. I have read the ticket this morning and it doesn't actually say that they will revoke, but it does say this will contact the DVLA for her license details if not paid within 28 days.

 

Hi Drew, this is very confusing, are you sure they say they will obtain, 'her license details'? Soryy to go on but it is an important point as the DVLA should not release her driving licence details, only the Registered Keeper details, please confirm.

 

The exact wording is that "your vehicle licensing details being obtained from the DVLA"

 

I have read various websites saying that these sort of PPC charges are unlawful (in this case it is not very well sign-posted at all) and not enforceable at all, particularly in this case as the registered owner wasn't the driver that got the ticket....?

 

If the registered keeper was not the driver, then they could not have enetered into a contract with the PPC end of game.

 

Yes this definitely correlates with what I have read on this. However in the event that if this is not paid then the Registered owner will get lots of mail hassle from the PPC which I am concerned about as it has nothing to do with them really

 

Any further advice? If I shoud pay then I am happy to do so but I just hate the thought of me being ripped off.

 

Well, if you do pay them then you will be ripped off, there must be a charity more worthy of your money than a [EDIT].

 

I couldn't agree more but I don't want my friend (the registered keeper) to be victim to multiple warning/threatening letters as a result of non-payment

regards

 

This really does annoy me but if I can't think of a way to not pay without incurring more aggro for the registered owner then I think I may have to pay this

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The registered owner isn't liable- so he/she has nothing to worry about from all the free toilet paper masquerading as threats he/ she will get.

He/she should ignore everything- and so should you.

 

If these parasites tried it on against the registered keeper then the case would get laughed out of court- and he/she is under no obligation to name the driver whatsoever.

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Hi JK - I think that is the crux of the problem though as I know that she will worry about these (albeit false) threats/letters. I am keen to find a way to avoid paying without the PPC continually sending mail to the registered keeper.

 

I don't want to but I may have to initiate a letter with the PPC with my address details on so that they hassle me and not her.....?

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  • 1 month later...

Hi,

 

A new chapter for PCS!

 

My car was clamped by PCS and eventually towed away.

PCS claims that they never towed my car away, even though they gave me 2 days earlier a quote for all the costs!!

 

I dont know what they have done to my car, but they have the police on their tails now. Anyone has any advice how i can make this case stronger??

 

Let me know please. I am desperate to get my car back!!

 

Thanks.

 

BBB

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Hi all, look all companys start small, as mine did, at home but as it has grown it has moved, yes i still live at my previous address. I have nothing to hide, as the company has grown as we do the enforcement process correctly and legally, of course some of you feel unhappy but the signage is clear, the fees are deemed reasonable, all of this has been decided by many judges in case law over many years. Simple solution read and obey the signs. Oh and yes our operatives are SIA VI lisenced, we have insurance, and valid Information Commissioners Office etc etc,

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Hi all, look all companys start small, as mine did, at home but as it has grown it has moved, yes i still live at my previous address. I have nothing to hide, as the company has grown as we do the enforcement process correctly and legally, of course some of you feel unhappy but the signage is clear, the fees are deemed reasonable, all of this has been decided by many judges in case law over many years. Simple solution read and obey the signs. Oh and yes our operatives are SIA VI lisenced, we have insurance, and valid Information Commissioners Office etc etc,

 

Troll Alert!

 

So you would love the Clear Sign my car displays then? i'll than you for the clamps in advance!

 

H

I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

Victories:

Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

A Lightbulb Shop - "loss of bargain"

 

If i've helped, please feel free to hit the star ;)

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Hi all, look all companys start small, as mine did, at home but as it has grown it has moved, yes i still live at my previous address.

 

'I still live at my previous address':rolleyes:

 

I have nothing to hide, as the company has grown as we do the enforcement process correctly and legally,

 

So you are the one?

 

of course some of you feel unhappy but the signage is clear, the fees are deemed reasonable, all of this has been decided by many judges in case law over many years.

 

As have many fees been found to be unreasonable and the signs far from clear.

 

Simple solution read and obey the signs. Oh and yes our operatives are SIA VI lisenced, we have insurance, and valid Information Commissioners Office etc etc,

 

Now if you can just tell all the others how to do it.

 

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Hi all, look all companys start small, as mine did, at home but as it has grown it has moved, yes i still live at my previous address. I have nothing to hide, as the company has grown as we do the enforcement process correctly and legally, of course some of you feel unhappy but the signage is clear, the fees are deemed reasonable, all of this has been decided by many judges in case law over many years. Simple solution read and obey the signs. Oh and yes our operatives are SIA VI lisenced, we have insurance, and valid Information Commissioners Office etc etc,

 

Then why does PCS ingore CCJs against it? If PCS is so lawful, we can only imagine what traversties of justice must have occured for the CCJs to be granted in the first place...

 

Personally, I won't be happy until all private clamping is made illegal.

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A criminal offense has taken place. The Private Securities Industry Act 2001 and regulations say that it is an offense to use unlicensed clampers. First step would be to report it to the SIA and if they used intimidation and/or physical threats to the police.

 

The police may try and fob you off with "civil matter" not our concern. If they try that ask to speak to a senior officer. They have a duty to investigate the breach of the PSI Act.

 

In the meantime have a read of the clamping guide in the stickies section at the top of this forum.

 

They should have released the car as soon as the offer to pay was made. As regards their penalty notice that is a different tort, namely contract. Clamping is a remedy for trespass, a seperate tort.

 

However I suspect the reality is that they would not have released until all amounts were paid.

 

You would have grounds to seek recovery of the penalty amount in the courts under the Unfair Terms in Consumer Contracts Act and also the Dunlop Case law (penalty charges). Your action would be against the clamper in this issue

 

As for the clamping if it is ambiguous, unclear, not present or not visible (or not easily visible) then these would give you grounds to challenge the clamping. Your action would be against the clamper and the landowner in this case.

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This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

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