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    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
    • Oil and gold prices have jumped, while shares have fallen.View the full article
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    • 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.  

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bank of Scotland terminated without default notice and without claiming full balance, Blair, Oliver Scott DCA


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Oh dear BOS another DN with reference L9220................

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2167702.html

 

So 4 so far with the same generic computer generated letter as I thought.... oh I forgot mine was special in that you made it up and forgot to send it..............,

 

I am intrigued as to what my ref number on S.A.R was really ??????????????

 

 

 

milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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me too now i remember - my memory is fading, oops

 

have noted it down this time,,,,

 

have a fun eve laters angel x:cool:

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 months later...

Hi all been off here for a while. 8 weeks of everything you can throw at me sickness wise:rolleyes: ended up in hospital cos of that blerdy swine flu:rolleyes:

 

 

ok time to update heard nothing since last posted until yesterday...phone starts ringing, search the number and IQOR comes up. gusee the a***h**es have passed it to these now.

 

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi MMM,

 

So sorry to hear you have been having such a bad time. Trust you are now 'fighting' fit again. :)

 

Sussex has just written back to Iqor re problems with halifax I think BOS/Halifax must have just passed over a job lot to Iqor. I'll expect my letter in the post any day now.

 

Keep well,

 

Love,

DD

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Hi MMM

 

So how are you getting on with the codes from the Halifax? I think I have an idea to start a thread with the likely codes you could get.

 

I have had a new code of L5001 and no one at the Halifax yet knows what it means!!!! talk about crazy!!! I am thinking it is the new you have missed a payment letter but cant be sure.

 

I know L9200 means a default and I have heard that recently that L9211 is also a default code but I think this is crap!!! Its sounds like the Halifax covering their tracks!!!

 

Sorry to bypost your thread, just wondering what we could do to get the codes up for everyone to see as a collective effort!

 

Cheers

 

Wheety

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Hi MMM

 

So how are you getting on with the codes from the Halifax? I think I have an idea to start a thread with the likely codes you could get.

 

I have had a new code of L5001 and no one at the Halifax yet knows what it means!!!! talk about crazy!!! I am thinking it is the new you have missed a payment letter but cant be sure.

 

I know L9200 means a default and I have heard that recently that L9211 is also a default code but I think this is crap!!! Its sounds like the Halifax covering their tracks!!!

 

Sorry to bypost your thread, just wondering what we could do to get the codes up for everyone to see as a collective effort!

 

Cheers

 

Wheety

 

Hi Wheety,

I am in same funny "template" situation........:) and sub with great interest

DD

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Hi all:) thanks for all your kind wishes:)

 

well a letter turns up today finally from IQOR...... again same old cr*p, here we go again:rolleyes: first BOS then Blair witch, then moorcroft, all apparently taking me to court, then off they scarper and now these muppets. FFS do it then!!!!!!!!!!!!!! I suppose I have to YET AGAIN send the round of letters:rolleyes:

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi MMM

 

So how are you getting on with the codes from the Halifax? I think I have an idea to start a thread with the likely codes you could get.

 

I have had a new code of L5001 and no one at the Halifax yet knows what it means!!!! talk about crazy!!! I am thinking it is the new you have missed a payment letter but cant be sure.

 

I know L9200 means a default and I have heard that recently that L9211 is also a default code but I think this is crap!!! Its sounds like the Halifax covering their tracks!!!

 

Sorry to bypost your thread, just wondering what we could do to get the codes up for everyone to see as a collective effort!

 

Cheers

 

Wheety

 

 

Hiya wheety:) yep there codes are def cr*p made up rubbish. I am still waiting for my DN:grin:

 

milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi MMM,

 

So sorry to hear you have been having such a bad time. Trust you are now 'fighting' fit again. :)

 

Sussex has just written back to Iqor re problems with halifax I think BOS/Halifax must have just passed over a job lot to Iqor. I'll expect my letter in the post any day now.

 

Keep well,

 

Love,

DD

 

 

Hiya Hun:-) nice to be back. hope all has been good with you. i have loads of catching up to do:wink:

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi Milly,

 

All fairly quiet for me. (Probably shouldn't say that as it's tempting fate:)) I do think the ruling (above) will help us though. Haven't heard from BOS or anyone on their behalf for ages. It's now nine months since I asked for a copy of the agreement.

 

It's funny, isn't it, that before you join this forum you are under so much pressure from all these awful DCAs and are worried absolutely sick every time a letter arrives, and then you come here to this fabulous forum, get educated, and then it all dies down to seeing the DCAs off because we know they haven't really got a case at all in many cases. If I hear from any of them I now just send them a copy of the first letter I sent with all the CCA regs, H of L Tookey, etc., tell them it's self-explanatory, and ask why they think their client didn't have to make their agreements compliant. Then they go away and you wait for the next one.

 

I think CitizenB's petition to No. 10 saying that credit reference agencies should only be able to hold info for three years is a brilliant one and hope everyone signs it. Six years is a very long time, but three years means you can see the light at the end of the tunnel.

 

DDxx

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I think CitizenB's petition to No. 10 saying that credit reference agencies should only be able to hold info for three years is a brilliant one and hope everyone signs it. Six years is a very long time, but three years means you can see the light at the end of the tunnel.

 

While three years will be brilliant, the CRAs should stop holding data of users where the original creditor does not have the credit agreement. How many people on this site (and others) do not have credit agreements and have even been to court over the matter, but they still have black marks against their credit files. I have four defaults registered against me and in all cases, the OC does not have a credit agreement.

 

The only way of clearing your credit file is to make its removal part of a settlement on a non existent credit agreement.

 

The credit file is just another (illegal) stick that the creditors are using to beat people into submission. That is what should stop.

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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Hi Milly,

 

I told you I was tempting fate. :)

 

Today I received a statement, the first in months. It's saying I have not made the minimum payment, and the minimum payment is for the whole lot! and they may take legal action and so on........ just printed on it.

 

Just wondered if anyone else had been put back on getting a normal statement after almost a year?

 

Daniella

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Irrespective of who it is, if you have sent them a request under s.77/78 and they have not responded then they are in default themselves. As per the Act itself:-

 

s.77(4)(a)

 

If the creditor under an agreement fails to comply with subsection (1)—

a)

he is not entitled, while the default continues, to enforce the agreement

 

And s78(6)(a)

 

 

(6) If the creditor under an agreement fails to comply with subsection (1)— he is not entitled, while the default continues, to enforce the agreement

 

Send them that!

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All I got was half an application form and the only thing I had signed was to say that I didn't want PPI. In one conversation someone at Blair OS said that if that was all I'd been sent that was probably all they had. :)

 

 

Then they've given the game away, more fool them!

 

That letter is a threat; I very much doubt they would have the nerve to drag you off to court if that's all they've sent you.

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Why the nine month hiatus, though? I get demands every now and again even though I've pointed out the holes and flaws in the (clearly unenforceable) agreements. Trust me: if it's HBoS they will have sent you correctly set out agreements if they have them! They did with me, then dilly-dallied over the others which turned out to be dog-fodder.

 

What are you going to do?

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I sent them the standard letter about their being in default last year, and then had several conversations with Blair, etc., including the one above.

 

What has confused me here is that instead of a letter or a threatagram this is an absolutely bog standard credit card statement, so if they are sending it it appears that if I make the minimum payment :D:D:D:D I can start using my card again!!!! It even says I can go to a cash machine and unlock my pin.

 

I think I'll just drop them a note saying that they already know why they haven't had the minimum payment, they are in default and so on.

 

I just think it is bizarre. Nothing for months, and now a statement.

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Another thing that I noticed with HBoS - hi, guys!! - is that they like to keep you on your toes: contact is everything to them. Why they persist in wasting paper is anybody's guess when they know they've not got anything that would stand up in court.

 

I will bet they are also blitzing your credit file; that's something I'm going to have to check out soon.

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