Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
  • 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

Subject Access Request - Proof of ID required


joski34
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5557 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

  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Ok so Ive heard nothing back from the letter Ive sent above but Ive had a response from them today regarding the Subject Access Request..I dont have a scanner so here goes:

 

Wait for their reply to your last letter. If Wescot have passed it back to them it just goes to show that there is no milage to be made out of it, even for the most tenacious DCA.

 

I don't think it'll be long before you hear the last gasps of a dying claim.

Link to post
Share on other sites

;) It was post 2005 actually if im right, The missing payments bit in the middle did not come into force until may 2005 if im reading the Consumer Credit (Agreements) Regulations 1983 right, just trying to get that confirmed for another problem of mine, as its the exact wording proving this was not the agreemant in force when our accounts where alledged to be opened.

 

Mine has nothing on the back, does yours mention anything about data and how they use it, and agreement for them to record info with third parties?

Edited by blind-as-a-bat

Link to post
Share on other sites

You have to have something to default on to get a default notice, speaks volumes the fact they have not sent one doesnt it, could it be they cant find something to base a default notice on by any chance:p

 

And as you never consented to sharing info with third parties any record sent to a CRA is questionable both on the point of a lack of an agreement to be in any sort of default of and consent of sharing that info

 

 

And as for claiming a TV add would contain the info, have you ever seen an add with any mention of how the company will use your data in it? no? niether have I:D

Link to post
Share on other sites

Lets see what responce you get to your section 10 letter, im not expecting them to back down, but am intrested to see what they come back with, then we can pull there argument apart using there own agreemant, or should that be lack of it;)

 

Of course im sure reliable,s threat machine will start up again now, but wescot sent it back to them for a reason, because they couldnt enforce it:p

 

I will be honest im egnoring them now myself, have more pressing issues, but if they follow the same pattern they have with me if you give them time they will dig a big hole for themselves:D

Link to post
Share on other sites

  • 4 weeks later...

Hi Blind as a Bat,

 

Well I have had no response from them regarding the section 10..I sent it to the same address as always and ive checked on royal mail and there is no signature available..so it hasnt been signed for..should I send a repeat to their head office ?

Link to post
Share on other sites

Hi Blind as a Bat,

 

Well I have had no response from them regarding the section 10..I sent it to the same address as always and ive checked on royal mail and there is no signature available..so it hasnt been signed for..should I send a repeat to their head office ?

Does it say it is deliverd? to me thats good enough, the sig is just an added bonus;):D

Link to post
Share on other sites

Nope it says that something like "no signature available for this item, signatures are only available after the item has been delivered please try again in a few days" so looks like it hasnt been delivered??

Link to post
Share on other sites

  • 2 weeks later...

Hi BAAB, Well I never heard anything back from Reliable so I sent the section 10 again to JDW head office...they signed for it on the 2nd Feb..Ive also had an alert from experian to say that JDW have searched my credit file on the 4th?? so why are they searching my credit file? any ideas?

 

Thanks for all your help Joski

Link to post
Share on other sites

Hi BAAB, Well I never heard anything back from Reliable so I sent the section 10 again to JDW head office...they signed for it on the 2nd Feb..Ive also had an alert from experian to say that JDW have searched my credit file on the 4th?? so why are they searching my credit file? any ideas?

 

Thanks for all your help Joski

 

Reliable would either have totaly egnored it or forwarded it to head office for there 'Solicitor' to deal with anyway, if they followed what they did with mine.

 

They must however reply within 21 days, if not you can report them, to the ICO i believe, not sure how much good that will do though.

 

As for the search, my guess is they where looking to see who else you where not paying, or your payment history with other lenders, or seeing what JD themselves have recorded so far on your file, not sure what they may do with that info, but it sounds like an abuse of your credit file to me.

 

I would keep an eye open for any changes

Link to post
Share on other sites

Yeah I will...they think they can just do what they want Im sick of them now...should I contact Experian and complain to them? Saying that I have seen posts on here and Experian seem to send generic letters...Il wait until I hear back from JD and Il scan it up and see what they have to say...Im sure I have only given them 12 days to reply though!! is it 21?

Link to post
Share on other sites

Ive sent an email to the CRA advising them that I have not given any permission to search my credit file Il see what they say..

 

On another note I have looked through the SAR stuff they sent me and there is no default notice...should I write back and ask them for this?

 

Thanks Joanne

Link to post
Share on other sites

Hi joski, though this might intertest you, it related to adverts made in 2002 and 2004.

 

Television Advertising Complaints Reports

 

Television Advertising Complaints Reports

 

 

on both occasions they found the adverts were found misleading as they didnot contain a credit check was needed. They still do this on their adverts :-x

Link to post
Share on other sites

please help me i am new to this forum, does anyone know where i can find a template for a subject to access request

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

sign your name but put crosses through it so it can't be lifted

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...