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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
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CCA REQUEST TO MBNA my journey by Maz


angel_1
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hey after the day ive had, as you both know lexis and GM huge thanks

 

i m happy with anything with ALCOHOL in it,,,,:D

 

later dudes 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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oh lexis that takes me back 10 years,,,lol

 

angel x:lol:

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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  • 2 weeks later...
hey after the day ive had, as you both know lexis and GM huge thanks

 

i m happy with anything with ALCOHOL in it,,,,:D

 

later dudes angel x

Same here angel! anything with alcohol fine with me! Snap ive just received a MBNA default notice as well:eek:

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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Very interesting info from PT on another thread - hope he won't mind me pasting it here, just in case anyone missed it:-)

 

let me expand slightly

 

The law as we all know requires a "A term stating the rate of any interest on the credit to be provided under the agreement"

 

So on the MBNA agreement it says £1000, £3000 & £5000 yes?

 

and under each amount of credit it says the various rates , Yes?

 

So what if your credit limit isnt there?

 

What if your credit limit was £10,000? £15,000 ???

 

there is nothing within the agreement to qualify the rate of interest if your credit limit isnt set out on the agreement? with me so far?

 

So MBNA may try and argue that the full details are found in a set of terms and conditions somewhere which we dont know about blah blah blah

 

Well that angle fails at the first hurdle as the Agreement Regulations , at Reg 2(4) requires all this info to be set out as a whole and not interspersed with other info so it cannot be set out elsewhere

 

so if your credit limit was different to that stated on your agreement KERCHING:wink:

 

does that help???????????????

Edited by citizenB
put quote marks round text :)
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hiya underdog

 

many thanks for this , i did see it on other threads and now finally got around to mine

 

i understand this better now thanks

 

by the way one of mine been defaulted, terminated i hope cos its gone to a dca and now lewis,,,, so what happens now if i dont pay them anything, we go around and around the circle,,,,oh they would like my 10.00 for info,,,not likely oh dear,,,,

 

laters guys 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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hy underdog

 

that actually might buy more time and could in fairness see if they actually send the same document through,,or if its funny in any way we can look at this in more depth

 

im going by memory now cos i have to do dinner

 

but yes, after default from mbna,told me would be selling debt i think the letter from lewis has this little bosx saying notice of assignement with an amount owed

 

i suppose no harm in requesting cca that would really be interesting,,,,hmme

 

will be back later,,,,thanks 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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Hi Angel

Just popping on here to see how you doing! That sounds a good idea to cca lewis and will be very interesting to see what they come up with! Dont you let those **** get to you Luv from sunflower:)xx

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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hiya all

 

am a bit confused,,,cos are cl finance and lewis group entwined,,,cos different letters arrive with diff names

 

so im thinking they are i think ive read they are

 

 

so as ive had a letter telling me that they will send out a person to visit so they can then inform their legal team and im to take it very very seriously,,,,

 

should i -

 

1. send a no visit to my home letter, no phone calls and only in writing..

 

2. Do not acknowledge any debt to their company, and what letter do i send?

 

3. or is a letter requesting my cca with 1.00 enclosed from this company now appropiate?

 

4. a previous letter did say i could send 10.00 for all info they hold on me,,,but ,,,,,,,,, rather do the cca route if that is more appropiate

 

what other info you need pls ask as this is my first dca so unsure still of proceedures,,,

 

am out for a bit will be back laters thanks 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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hiya all

 

am a bit confused,,,cos are cl finance and lewis group entwined,,,cos different letters arrive with diff names

 

Apparently there is a link between these two.

 

so im thinking they are i think ive read they are

 

 

so as ive had a letter telling me that they will send out a person to visit so they can then inform their legal team and im to take it very very seriously,,,,

 

should i -

 

1. send a no visit to my home letter, no phone calls and only in writing..

 

Yes, send letter for no visits

 

2. Do not acknowledge any debt to their company, and what letter do i send?

 

Is there any chance you can either type up exactly what is in the letter or scan it in ? You certainly dont want to be acknowledging a debt to them so yes head your reply with I do not acknowledge any debt to your company.

This link will take you to a letter you can send

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute.html

 

3. or is a letter requesting my cca with 1.00 enclosed from this company now appropiate?

 

Have you already requested a CCA from the original creditor ?. If so, then you dont really need to request it from this crew.. A letter advising that the account is in dispute with the original creditor and you are surprised the account has been passed on to a third party should suffice.

 

4. a previous letter did say i could send 10.00 for all info they hold on me,,,but ,,,,,,,,, rather do the cca route if that is more appropiate

 

You only want to send a SAR request to the original creditor. It is unlikely they would pass over much paperwork to a third party so you will get nothing of any value from the DCA

 

what other info you need pls ask as this is my first dca so unsure still of proceedures,,,

 

am out for a bit will be back laters thanks angel x

 

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hiya citizenB

 

many thanks for your speedy reply and clarifications

 

so i will scan the letters when i get back in later today

 

just to update you this is one of the mbna ones that ive disputed with mbna about it not being clear copy of what they sent me of the credit agreement, which they just responded i had to send to fos,,,but i havent as yet,,,

 

,maybe i should say that this is still my dispute with mbna that what they have provided cannot be read legibly and am still awaiting on a clear and legible copy.....would this still render it as Being in Dispute? thanks

 

if so, then of course will act on that letter you linked me to,,,

 

speak later today cheers 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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Hi Angel

I was referred to your thread by Lexis

 

OH has also an application form with illegible T and C

 

The application bit is legible but the T and C that are on a seperate sheet but are ' supposed ' to be on the back are 95% illegible.

How can that be if they were scanned or photo copied at the same time ?

 

They have informed me that this is the best they can provide and they have fulfilled their obligations under S78.

 

Now threatening to get the ' legals ' in

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  • 1 month later...

hiya summerbreeze

 

sorry for my delay in responding got that many threads, lol

 

im going to give you a link cos there is that many probs with mbna they are truely horrible mine have been sold on to dca's now

 

arghhhhhh

 

anyway will link you something in a bit for you to look at laters okay

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196098-mbna-agreements-application-forms.html

 

laters just for viewing for the time being, but it shows what others here are getting and going through

 

laters angel x

Edited by angel_1
added the link for viewing

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 Angel!

Just popping on to see how you are getting on! I am glad you are still giving them a good old fight:DKeep your chin up! Luv sunflower:)xx

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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  • 3 months later...
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HELLO ALL

 

sorry caps on,,,, not shouting,,,,

 

been offline a while and i must tell you just the usual threats from these

 

but in a few weeks time i will be back on the case, so to speak,

 

so will update you all then

 

have a fun day and thanks for looking in

 

laters 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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