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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Mejules against RBS


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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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