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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Mejules against RBS


mejules7
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Blimey, mejules, this is a good one!

 

It means they are accepting that you do not have to pay them unless you want to. However they will continue with the default on your credit files which will mess your credit rating up for the next 6 years or so.

 

If you really want to clear it up, I guess you could pursue a declaration in court re. the enforceability issue.

 

However this does not clear up the issue of your card being used fraudulently does it?

Edited by foolishgirl
misinfo.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Second suspicious thoughts - it makes me wonder if they know/suspect the account was terminated when you said you did it & are trying to cover their tracks (confuse you?) with this letter. Of course it could just be LH doesn't recognise RH.

 

The default issue is a problem though 'cos they shouldn't be doing it. It wasn't your fault that the card was used fraudulently.

 

Did you write a letter of formal complaint? Is this supposed to be their reply?!

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi Foolishgirl,

 

thanks for getting back to me, firstly yes I believe this is their response to the complaint although date they state doesn't match up. but hey a result in them admitting no cca.

 

What do you think of the below letter in response:

 

Dear Miss Rose,

Account Number: xxxxxxx

 

Thank you for your letter dated 09.03.09, however I find it difficult to believe that you have mislaid such an important document as the copy of the credit agreement.

 

It would appear that you have failed in your obligations to comply with the various anti money laundering regulations in not keeping such documents. This, as I’m sure you are aware, is a very serious offence.

 

I now require the balance of this account to be returned to zero.

 

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. Should you refuse to comply, you must within 14 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 14 days, I will 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 would apply:

  • You may not demand any payment on the account, nor am I obliged to offer any payment to you.
  • You may not add any further interest or charges to the account.
  • You may not pass the account to any third party.
  • You may not register any information in respect of the account with any of the credit reference agencies.
  • You may not issue a default notice related to the account.

Please be aware, the CCA 1974 is very clear that a default can only be issued for breach of a valid, regulated agreement. As there is no agreement a default cannot be lawfully issued as no valid, regulated agreement has been breached.

I would ask that you review this account and respond favourably within 14 days of the date of this letter. Failure to do so will result in me reporting this matter to The Financial Crime Branch of HM Treasury and any other authorities as I see fit.

 

I look forward to your reply in due course.

 

Yours faithfully

been studying others dealings with RBS and found this (altered to suit)

Thanks

Julie

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IMO, just a little too much in respect of breaches of the CCA when really I think you should be pursuing the fact that they have failed to act in the appropriate manner to investigate your allegations of misuse/fraudulent activity on your card.

 

I've put my suggestions below, feel free to amend as you think fit

 

Dear Miss Rose,

 

Account Number: xxxxxxx

 

Thank you for your letter dated 09.03.09, however I find it difficult to believe that you have mislaid such an important document as the copy of the credit agreement particularly if you regard this account as still being active.

 

It would appear that not only have have you failed to investigate properly & thoroughly my reports to you of misuse & fraudulent activity on this card but now compounded that failure by not complying with the various anti money laundering regulations in not keeping such documents. These, as I’m sure you are aware, are very serious offences.

 

I now require the balance of this account to be returned to zero & the account terminated immediately in accordance with my instruction to you of xxxxxx . I also insist that you give immediate priority to investigating the alleged fraud

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. Should you refuse to comply, you must within 14 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.

 

I would ask that you review this account as a matter of urgency and respond favourably within 14 days of the date of this letter. Failure to do so will result in me reporting this matter to The Financial Crime Branch of HM Treasury and any other authorities as I see fit.

 

I look forward to your reply in due course.

 

Yours faithfully

 

 

You don't need all the blurb about the account being in dispute & not pursuing enforcement as they have stated they are not going to enforce.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I think foolishgirl's letter is excellent mejules - I've just added another line to further stamp into them that this was not your debt!

 

IMO, just a little too much in respect of breaches of the CCA when really I think you should be pursuing the fact that they have failed to act in the appropriate manner to investigate your allegations of misuse/fraudulent activity on your card.

 

I've put my suggestions below, feel free to amend as you think fit

Originally Posted by mejules7 viewpost.gif

Dear Miss Rose,

 

Account Number: xxxxxxx

 

Thank you for your letter dated 09.03.09, however I find it difficult to believe that you have mislaid such an important document as the copy of the credit agreement particularly if you regard this account as still being active.

 

It would appear that not only have have you failed to investigate properly & thoroughly my reports to you of misuse & fraudulent activity on this card, but have now compounded that failure by not complying with the various anti money laundering regulations in not keeping such documents. These, as I’m sure you are aware, are very serious offences.

 

I now require the balance of this account to be returned to zero & the account terminated immediately in accordance with my instruction to you of xxxxxx. I also insist that you give immediate priority to investigating the fraudulent activity that you have previously been informed of on more than one occasion.

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. Should you refuse to comply, you must within 14 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.

 

I would ask that you review this account as a matter of urgency and respond favourably within 14 days of the date of this letter. Failure to do so will result in me reporting this matter to The Financial Crime Branch of HM Treasury and any other authorities as I see fit.

 

I look forward to your reply in due course.

 

Yours faithfully

You don't need all the blurb about the account being in dispute & not pursuing enforcement as they have stated they are not going to enforce.

 

Can you just outline what you included in the letter you think they are responding to? Weren't there date issues with the card being used when you have moved several years previously? Did you manage to write and put this point accross to them?

 

It just makes it much easier to see if any more needs to be added to the letter above if you have an idea of what was said initially:)

Time flies like an arrow...

Fruit flies like a banana.

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  • 5 weeks later...

Hi

 

Sent the above letter - changed odd bit. Today i have recieved yet another letter stating that yes they dont have the signed agreement but the debt is enforcable and the data they are processing is correct.

These muppets are seriously doing my head in now. I want to issue court proceedings - can anybody please advise which is the best route to go?

 

All help is greatly appreciated

Julie ;)

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Today i have recieved yet another letter stating that yes they dont have the signed agreement but the debt is enforcable and the data they are processing is correct.

 

Yep, complete muppets!! How can a debt be enforceable when there is no agreement? Like to see them try that one in court!!

 

You're right mejules, it's time to get tough.

 

Have you reported all this to the FOS & ICO yet?

 

If you want to go legal, I would start with a claim to get your 'agreement' declared unenforceable + unlawful processing of data under S13 of the DPA1998. That would give you the right to claim compensation. (case law"Kpohraror vs Woolwich 1996" which set £1000 + value of default as due compensation, or at least £1000)

 

You may find this thread interesting re. claims & defaults. You would need to think about your POC carefully to tailor to your own situation but if you want to post up a draft before you submit, CAGers will help out.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi Foolish,

 

Thanks for getting back to me again - i've looked through the thread and i'm being a bit blonde because I still dont know what forms to use. Really sorry to be a pain but any suggestions?

 

Thanks

Julie

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You have to decide exactly what you are hoping to achieve mejules?

 

They have agreed the debt is unenforceable but that in itself is not sufficient to address your credit file status. Do you want it declared that you do not own the debt & they are therefore unlawfully processing your info? If so can you supply enough proof that the person obtaining the credit was doing so fraudulently?

 

Do you want monetary compensation?

 

You need to think very carefully about your POC & then the form to use would be a N1. I would suggest filing it at your local court rather than online.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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