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    • 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
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  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. 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 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
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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CCA from MBNA is it valid? Please help.


bladeboy
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Received, via Cabot, a 'copy' of my CCA.

 

On the page where the signatures are I notice that I have signed in two boxes, they [creditor] don't appear to have signed anywhere at all.

 

There is also a bar-code type stamp and under it, on all the pages, is the text 'APPLICATION FORM'. Not sure if that's significant.

 

The purported terms and conditions appear to be on seperate pieces of paper and are also attached via photobucket.

 

They also sent a load of statement type documents through that seem to be just that - statements but the list is not complete.

 

Any ideas anyone?

 

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Sorry, can you explain re the above? Are you say that they have posted/sent me current T&C's? The section with signatures on does look to be somewhat separate from the rest of the document - or am I being overly optimistic?

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I cant say for sure, but yes it looks like those T&C may not be from the agreement they say you signed, or are a newer version, I cant read the signed page to see if they are tied in any way.

 

The signed document on its own is not enforceable, as it appears the prescribed terms where elswhere, the question is where? if they where on the reverse that could be enough to make it enforceable, but of course MBNA would have to prove they where part of the signed document

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Other points.

 

Where is their signature?

 

All that they have sent me would not fit on 1 sheet of paper.

 

Since when has a credit limit been placed on an application form? Surely, thet determine that when and if your application is successful?

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I have a similar agreement and those are the present terms and conditions. The prescribed terms need to be within the four corners of the agreement anyway and not referred as separate terms and conditions. The very good news is that the default notice they issued is also defective. They have not allowed 14 clear days for you to remedy after service (2nd working day after the date of the letter) But you should not mention it to them and wait to see if they take you to court based on that notice. It would characterize the termination of the agreement and they would not be able to issue another DN and would be in a legal limbo. A defective DN is fatal and no prescribed terms within the signed part of the agreement prevents them to legally enforce this debt in court

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html

 

Have a look at link above. It will make you aware of what to expect from MBNA &Cia also has very good explanations about defective DNs. My guess is that next thing you will get is a letter from Restons solicitors.

Edited by tiokim
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Agreements that are not signed by the creditor but only the debtor are enforceable by way of a court order only. However in order for a court order to be granted the agreement would need to contain all the prescribed terms. These prescribed terms need to be within the four corners of the agreement and not in another document entitled terms and conditions.

 

It would be difficult for them to demonstrate that the terms and conditions they have supplied are within the four corners of the agreement, particularly as they appear after the signature box.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have a similar agreement and those are the present terms and conditions. The prescribed terms need to be within the four corners of the agreement anyway and not referred as separate terms and conditions. The very good news is that the default notice they issued is also defective. They have not allowed 14 clear days for you to remedy after service (2nd working day after the date of the letter) But you should not mention it to them and wait to see if they take you to court based on that notice. It would characterize the termination of the agreement and they would not be able to issue another DN and would be in a legal limbo. A defective DN is fatal and no prescribed terms within the signed part of the agreement prevents them to legally enforce this debt in court

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html

 

Have a look at link above. It will make you aware of what to expect from MBNA &Cia also has very good explanations about defective DNs. My guess is that next thing you will get is a letter from Restons solicitors.

 

Thanks for confiming what i thought tiokim

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You could send this one recorded -

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act.

 

 

You had until (date here) to provide me with the true copy I requested. After that date you entered into default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

Please note you may also consider this letter 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 including any defaults. 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 fail to respond within 21 days, I will expect that this means you agree to remove all such data.

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You guys are all stars, thanks.

 

Sent the docs to a friend of mine who's training in a solicitors office as a debt specialist.

 

He also agrees that what they've sent is no more than an applocation form.

 

Will keep you updated.

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hello bladeboy

 

very interesting cca, i got the same as you well it looks like that tiny bit of paper and small writing and i disputed with mbna and now sent me a final letter and referred me to fos, so i am,

 

am subscribing to your thread and if you want to see mine check out the mbna journey headed

 

take care

 

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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Blimey Von Greenbach

 

that is small to read, ive sent you my letter that i sent off to one of my creditors when i couldnt read what i was sent , i dont know if this will help you - sent it via private message

 

my humble opinion is that the regs do state it should be readable and legible and i also got that from trading standards when i visited them so its worth something to dispute,

 

let me know your thoughts and sorry bladeboy for inputting this on your thread,

 

off to bed now good night to all

 

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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