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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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      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.

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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.

      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
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Re: Distressing phone call from MBNA


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Hello all,

 

im glad you had a fab day sunflower, that is great, we all need to still keep having a laugh on this journey of life.

 

emmaf01 - in your post no 104 you mention you have a site to check on who and when the postal order was cashed, would you let us know about that please, didnt even cross my mind about that, only the track and trace for the post office - much appreciated

 

have a fun sunday too, ciao for now MAZ

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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Hi Maz! I hope you had a nice weekend too,Yes we did have a nice day out at animal park!I have just been looking at photos and video clips which my husband took!He took some good photos and clips and i think they came out very well.He got some good clips and pics of that goat jumping at me trying to snatch things off me!

i was a bit worried that MBNA have not acknoledged my CCA agreement yet and acting like they ignoring request as they still continue to send threatograms out without mentioning it but i suppose looking on bright side it may be a good sign that they have not got a valid CCA! IT Is not that i intend to stop paying them any money at all and like you i want to at some stage arrange some token payments that i can afford to them but ive heard that it may be best to wait to see if they come up with a valid CCA before paying themEven if they dont come up with a valid CCA i wiii try to pay them something as i did use their credit and their credit card put food in our stomachs and kept our car on the road and paid other expenses and things to help us cope with our grim lives but i dont like their behaviour and debt collection practices and the fact that they probably realised better than i did what a credit card trap i was getting into and must have realised that someone on my wage and with other debts and overdrafts which they must have seen if they did proprer credit reference checks must have realised i would eventually have problems.I know we should not have used their credit card and not accepted their steadily increasing credit but we were desperate and their offers were to tempting for us.If they had not kept tempting despearte poeple like us we would have sought help a lot earlier before our debts got so big.As other people say they like people to get into debt with them and rake in all thier money off them and they are one of the worse cards for credit card interest.Even the customer service woman at the Halifax where we were trying to get help looked worried when she saw I owned a MBNA credit card and had a lot on it warned me that MBNA interst rates were vey high and this remark was comeing from the Halifax who charge high interest rates which are not cheap so for her to say that about MBNA must mean they are sky high compared to other credit cards even so i reckon all those monthly payments i have made to MBNMA over the years have alread paid them back a huge chunk of the money i spent on their credit card!Trouble is me and my hubby have not got a clue about interest rates and things like that.We just beleived them when they give us all their sales pitch but now we know better,I want to be able to pay back MBNA and other credit cards some of the money but at a rate what we can afford and not what is going to leave us with nothing to live on.and no sort of life!i just wish i could find a second weekend job but i work fulltime monday to friday and i suppose a lot of employers would be put of employing me as i suppose when they hear i already do a full week they will probably think i will not be a reliable person to work for them as they will worry that i might get fed up with doing long hours! but i will try and pop into a few shops and see if i can at least find some christmas temp weekend work as lot of shops may want extra xmas staff,Though i dont have very high hopes of finding anything.Thanks again for all your moral support and advice.You make me feel better as do a lot of other people on forum,I dont feel quite so alone now!

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Everyone! I just received my CCA frpm MBNA I am not very good with computers and have not got a scaneer set up to work yet and this pc not behaving very well My husband is trying to set up scanner at weekend and we are keeping our fingers crossed it will work as we have not used it or had it connected to computer for very long time.However i got my husband to photograph the pages to give you an idea iof its layout and any obvious things wrong with it as me and hubby have no knowledge of CCAs and agreements,So here goes i am going to see if can transmit pics ok on following post of the pages ro see what you all think.

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi,

 

To get an opinion on the CCA you have received then you will need to post them up.

 

do you have an account here:

 

Image hosting, free photo sharing & video sharing at Photobucket

 

If not, it's free to register and you can upload the photos from your PC.

 

Relax and give it a go.

 

PV :)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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SANY0480.jpg

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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The above pic was the front of agreement ! the next picin next post is a photograph of what was supposedly on the back of this form according to MBNA

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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doc1-1.jpg?t=1221773998

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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along with the photo of front of signed form and another photo of what was supposedly on back of this form they sent a few seperate sheets with terms and conditions on which i will attempt to put in next few posts.Thanks PossVox for showing me photo bucket and letting me know how to get these images posted on this forum.I am afraid they have not come out that good as i am not very experienced at copying things and have not got a scanner working at moment

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Photobucket is a God send!

 

I think that someone with more experience of CCAs will be along soon now they can see the photos.

 

PV :)

  • Haha 1

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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doc2.jpg

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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yes getting the hang of it! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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I like your mousemat by the way!

 

I am not 100% sure that this is a CCA but someone will be able to help you.

  • Haha 1

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Hi Berrylover! Thanks for compliment about our mousemat!Yes i was dismayed today that i got a CCA from MBNA!Am just hopeing now that it is not a proper cca and that our experienced CCA friends can pull it to pieces!I am having a pretty horrible day! on top of this CCA i got a postcard from MBNAs bully boys RMA threating to pay me a visit tomorrow! anytime from 8am to 9pm!Not much notice ! as i only got postcard today.Luckily i have been warned about these bully tactic and that hopefully no one will call! but my husband going to keep all our doors locked and not answer door just in case! What a life!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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th_doc3.jpg

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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You need to send RMA this:

 

Please be aware that there is only an implied license under English Common Law for certain people to visit a property without express permission: the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Please therefore take note that we revoke license under English Common Law for any agents or representatives to visit this property and if an agent or representative should do so without prior written permission from us, then they and their company will be liable to damages for a tort of trespass.

 

99% sure they won't show but if you send the above then they MUST STAY AWAY...It's THE LAW!

 

PV :D

Edited by PossVox
typo

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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doc3.jpg?t=1221776909

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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It is not clear that the terms and conditions relate to your agreement. Is there any mention of credit limit, or that they will decide on one? I am edging towards unenforceable but cannot be certain.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Possvox! Thanks i will send them that letter! trouble is that they have been very crafty as i bet they made sure that letter arrived vey late! too late to send them a warning letter to stay away! As they calling tommorrow,It ridiculous they have given me no notice at all!They add on postcard that i can phone them to cancel visit if not conveinent so that i can speak to one of their friendly DCAs on phone!Still at least if i send that letter by weekend even if it to late for friday they know that thye will be breaking the law and giving me illegal harresment if they attempt this again!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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They will not turn up, I have a file full of cards like that one. They say 'we will call' and it actually means telephone. I lived in fear of people turning up for a long time and would not answer the door or telephone for a long time - still dubious about the phone:eek:.

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Goldlady! yes i am afraid my hubby missed a bit of the left of front page of cca,There is my name and adress printed and a credit limit of £1500i s stated with a credit reference number,

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Goldlady Thanks for reassurance about RMA bully boys!I thought it was hopefully just a threat to frighten me as somebody did warn me that they love to put nasty postcards through the letter box but as it was my first time getting one was a lttle worried what to expect!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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The front page looks like it has been cut off another piece of paper on that cca

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Perhaps i am clutching at straws but the signed page is not attached to any of the other pages and it is just MBNA say so that the back copy and all the other pages are part of the original signed agreement

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Well they would have a hard job proving that the t&cs were part of the agreement in court if that's the case. The bit with your signature on says very little.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Yes this cca does seem very bitty!A tiny part of the form is signed but the rest of it is other pages that could have just been bundled in with it!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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