Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Hello All


66606
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5646 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, well what can I say? I guess like you I am having problems with debt and with DCAs. Every one I am dealing with paying off small amounts, except one from Capital One. That is in the Hands of RED, now normally I'd be quite happy to deal with them. But the first thing I knew about them was when they left a computer generated (?)message on my phone asking me to call RED.

 

I had no idea who RED were, they left no details about what the call was regarding and frankly I don't deal with computer voices, and have an minor phobia of using the phone ( I have to gear my self up for a week to even phone my mum).

 

The other thing is I have a form of epilepsy which effects my memory, if I don't sort something out straight away or do it regularly I simply cannot remember to do it. It also means that any form of stress gives me sever headaches that can lead onto a fit. Fortunately the lovely people at the council understand and help me with my outstanding council tax :)

 

But back on track, RED have wound me up by sending me a letter telling me they were planning or petitioning for my Bankruptcy. I'm not going to deal with them unless they do it how I want, so today I've sent of a CCA request as per the letter templates and I've marked it on my calender.

 

Hopefully it'll turn out all shiny and I'll be able to get on with my life.

Link to post
Share on other sites

Hi 66606 an welcome to the CAG,

 

you are going the right way by not speaking to them on the phone and sending the CCA. Hope you sent it recorded delivery.

 

A moderator will move this thread to the DCA section when they get the chance.

 

You can visit it and read other peoples stories by using this link.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

 

If any of this is at all helpful. Please click on the small scales to the left and leave a short comment.

 

Thank You

  • Haha 1

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

Many thanks for the welcome SOD'EM

 

Oh yes, sent it recorded and even got the postal order printed out so it's all fully readable.

 

My wife has just asked me, "If they don't send the CCA are we going to claim the £1 back from them?" :)

 

I spent a good day reading the site, so I got plenty of ideas and hopefully this will sort it out once and for all.

Link to post
Share on other sites

I sent a CCA request to a DCA once and they sent my £1 back with a letter saying "I would hear no more from them". I still get letters to this day but they haven't attempted any other proceedings. I think the letters are computer generated automatically (digital signatures and all that).

 

I sent them a letter threatining to sue them for harrassment (recorded delivery) so I know they have it. I am just collecting all theses letters now for evidence. I wish they would phone though.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

Thread moved to the debt forum. You will get more advice in here.

 

Good luck. :)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

RED sound very dodgy to me.

 

The initial communication should be by letter in any civilized procedure. You should also have received a Notice Of Assignment from Crap One.

 

I presume you didn't, so make a note of that fact. It may come in useful later.

 

What often happens is that DCAs fake Notices Of Assignment on their own paper. They try to make it look like the paper of the original creditor, but are usually not very good at it.

 

SH

Link to post
Share on other sites

Thread moved to the debt forum. You will get more advice in here.

 

Good luck. :)

 

Many thanks for moving it.

 

 

How old is the CAP 1 agreement?

 

David

 

Do you know I'm not sure, but I think it's over six years old. Could be a bit less, but as I said before I have memory problems. I do know I had a Barclays card in 04 and that was a year or two after the Cap 1 one

 

RED sound very dodgy to me.

 

The initial communication should be by letter in any civilized procedure. You should also have received a Notice Of Assignment from Crap One.

 

I presume you didn't, so make a note of that fact. It may come in useful later.

 

What often happens is that DCAs fake Notices Of Assignment on their own paper. They try to make it look like the paper of the original creditor, but are usually not very good at it.

 

SH

 

I believe RED are part of Lowes Finance? I'm not sure but when the lady at the post office looked up the address that was the company name she came back with, along with Npower !!

Link to post
Share on other sites

Hi all, well got a reply from RED this morning, along with a reply from Lowells.

The Lowells letter was advising me that they have requested the CCA from capital one and the RED letter had a copy of the CCA attached.

 

I can't post the actual CCA up at the moment as my scanner isn't working, but the jist of it is, that it is a single sheet, badly photo copied on one side, doesn't actually have any details as to what the agreement is for. It does have the word SOLD written on the bottom and most importantly has the date of the 30/11/00 on it so it's 8 years old.

Link to post
Share on other sites

Looking through other threads I found a form that is exactly the same as the one I received this morning. Is it a True and enforceable CCA? or do I have to write another letter to RED?

 

[Copied form from zazen.warrior's thread]

 

 

Scan10035.jpg

Link to post
Share on other sites

As your scanner is u/s, you need to see if the prescribed terms are cotained in what they have sent.

 

Read this:

 

IS MY AGREEMENT ENFORCEABLE( Via section 127(3) CCA1974)

PRESCRIBED TERMS FOR THE PURPOSES OF SECTIONS 61(1)(0) AND 127(3) OF THE

CONSUMER CREDIT ACT 1974 Taken from sced.6(1983/1553) regulations

(If you just want to find out, skip the bits in between the stars it’s just some extra information)

 

**What do we mean by unenforceable?

In the Consumer Credit Act section 127 there is a provision for making an agreement unenforceable if it does not contain certain pieces of information.

Subsections 1,2,3,4 state which pieces of information these are, and everything mentioned there must be included within the body of the agreement, if one is missing the agreement is unenforceable.

 

How does unenforceable differ from enforceable with a court order only?

When an agreement is unenforceable it means that the court or the judge cannot make a ruling on it. The court cannot make it enforceable.

When an agreement is enforceable only by ruling of the court it means that the agreement can be stopped by the debtor but the court has the power to re-instate it and allow the credit to continue to enforce.**

 

The Pescribed Terms are these

 

A Amount of credit

A term stating the amount of credit

 

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

C Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

D Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

--------------------------

 

Which of these applies to you depends on the type of agreement you have?

 

For a Running Account (credit card) agreement

 

BC and D Apply

 

For a Restricted Use Debtor Creditor Supplier

  • Where the dealer is the supplier and the creditor is the one providing the finance.
  • The money can only be used for the purpose it is given.
  • There is no interest on the purchase (the cash price is the same as the total price)
  • And there is no advance payment

A is applicable

 

For a fixed Sum Credit Agreement

A conventional credit agreement with none of the above restrictions

 

A and B apply

 

For a Hire Agreement

 

B is Applicable

 

This paper only covers section 127(3) of the Act agreements can also be unenforceable by contravention of sections 1 and4 this will be the subject of the next paper.

Please note that these Prescribed terms where not changed in any way by the 2004/1482 Ammendments although the form in which they appear on the agreement was. Subsection127(3) was repealed on the 6th of April 2007 so that unenforceability due to 127(3) will only apply to agreemens executed before that date.

 

If the terms are not there, (which they won't be), it's unenforceable

  • Haha 1
Link to post
Share on other sites

Yep, your right cashins, none of those terms are on the sheet at all, in fact it says at the top 'Application form' so I guess now I have to send off another letter informing RED of that. There is a template on here for that isn't there?

 

(Many thanks for the info by the way)

Link to post
Share on other sites

Time to send them the "Account In Dispute" letter -

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully,

 

xxxxxxxxxxxxx

 

That rubbish is crap even by Crap One standards.

 

SH

Link to post
Share on other sites

What you have is in fact the standard reply from Cap 1, ie they sent you a copy of the signature box, which means that they have not properly complied with you request.

 

Your letter of complaint will draw a response - oh yes we have - and we won't discuss it any further.

 

Cap 1 wind up arguing this odd position, because their CCA's before 2004 are mostly junk. (If anyone knows of one that isn't - please shout).

 

If they refuse to send it, they get told to f off, if they do send it, good chance of the same so they try and bluff it.

 

David

Link to post
Share on other sites

Thanks for that letter Scabhunter, the actual 12+2 days is up on the 20th, but I'll be certain to get that letter off to RED first thing in the morning on Thursday, I might actually send it on Wednesday so it's at their offices on Thursday.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...