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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Miss Pickles V Cap One


misspickles
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I would like to claim against capital one, but my account was closed 5 years ago. I know I am still entitled to my info, however I have since changed address. Can anyone advise me how to tackle this obstacle in order to prevent Cap one using it as an excuse and a delaying tactic? I thought to request my old info I should include the details of my old address, but also include a copy of my driving licence to prove I am who I say I am at my new address? what do you think? Ive read loads of threads but cant put my finger on the answer to this one . . . .

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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I think you've pretty much answered it, give them details of your old address and a copy of your passport or driving license etc and make sure you send recorded delivery, I sent here and got an acknowledgement back in a few days..

 

Capital One Card Services

PO Box 5281

Nottingham

NG2 3YJ

 

 

Hope this helps

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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thanks! will do! much appreciated!

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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I think you have just about got it right there. I got a leter from Cap 1, I have been away and they are very close to deadline to give me Data ProtectionAcess Request. They said it would be in the post. Only got two days left, to get it to me. They do seem to be a bit confused though. I am getting mail from 3 different departments at the moment.

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  • 2 weeks later...

DPA SENT TODAY . . . . . . . 40 DAYS TO GO! Am very excited about this one, it is from a 5 years ago, when I had money, they charged me for paying one day late and then that pushed me over my limit so they charged me again, I was so outraged that I cancelled my card and paid up in full when they refused to refund, bet they thought they'd seen the last of me! ha ha! (imagen it more as an evil laugh echoing around with the bank staff looking at me in terror)

Miss P

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 2 weeks later...

Well now I know why people are calling them crap one, received this reply today

 

'thanks for your request . .bla bla . . unfortunatly the account number you provided is for an account not in your name so we are unable to process the request . . . .

 

NOW HOW MAD AM I!?!

Firstly i did not send them an account number, I sent them ny name and address history as it is an old account and I have no details for it so how on earth can they say that i provided them with a number that matched someone elses details?

Secondly did not return my postal order or the photocopy of documnets i sent.

So what can I do? Im thinking, resend my original request, point out the errors in the reply, include a copy of the entry on my credit file which clearly shows I held an account . .

Or should I just ring this Katherine Blunt up?

MAD AS A MAD MANS MAD HATTER

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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Ok, am sending the letter below, If any probs with it feel free to comment!

 

Data Protection Act 1998: Subject Access Request

I refer to your letter dated the 14th August.

I am very unhappy at your response. You clearly have not read my letter correctly or given it due care and consideration. I have included a copy of the letter, with another copy of my identification, as I notice that you did not return this to me.

You state in your letter that the account number I provided was for an account not held in my name. Please note that actually I did not include an account number in my request. Due to the account being settled on the 12/03/2001 I do not have the account number, and instead sent you my address history along with identification in order for you to identify my account. On this occasion I have also enclosed a copy of my credit file, on which the account I’m referring to is recorded.

With all this information available to you I am confident that you will be able to locate, and provide me with the details of my old account. Please note that under the Data Protection Act you are require by law to supply me the said information within a 40 day time period. May I also remind you that this period runs from the original request. Therefore the data is required to reach me by the 16TH September.

Please also find enclosed the £10 fee payable under the Data Protection Act.

Your prompt response resolving this matter would be appreciated.

Yours sincerely

Miss Pickles

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 3 weeks later...

OK guess what . . .received the same reply to my letter today that I received 2 weeks ago .. . . . .very very very ****ed off . . . how thick can these people be!!!??? I mean my god if they cant even understand a letter a locate a file and yet they have a licence to issue billions of pounds of credit! So have writted the letter below and will be sending first thing tomorrow . . .need to let my frustration out . . . so here it comes . . rrrrrrrrrrrrrraaaaaaaaaaaaaaaarrrrrrrrrrrrrrrrrrrraaaaaaaa!!!!!!!!!!!

Ah. thats a little better.

 

Dear Miss Blunt

Data Protection Act 1998: Subject Access Request

 

I refer to your letter dated the 1st September 2006.

I am extremely frustrated at your response. You clearly have not read my letter correctly or given it due care and consideration. I find it absolutely ridiculous that a large financial organisation such as yourselves cannot simply locate a file. Am I to assume that you are this careless with your current customers data? I have provided you with more than enough information to fulfil my request. Short only of actually coming to the building myself I am exasperated of what else to do.

I appreciate that it is an old account. I appreciate that it may take a little more effort than normal to locate the information. However I also appreciate that you are a large multinational corporation with dedicated departments and numerous staff available to facilitate such requests. Thus I am convinced that following this third request for my information that you will be able to locate my information and thus fulfil your legal obligations and prevent being investigated by the Information Commissioner.

You state that I am requesting information for which I was the second Cardholder, I Cannot make it any clearer that I am not requesting information of an account of which I am a second cardholder. I am requesting information of an account that was HELD BY MYSELF IN MY NAME AND THUS THAT IS WHY IT APPEARS ON MY CREDIT RECORD.

In 2002/2003 I did indeed act as a second cardholder to my brothers card. The request I am making is reference to an account I held with yourselves 2000-2001 (2 years earlier!) NOT MY BROTHERS CARD. However let me repeat I AM REQUESTING INFORMATION OF MY ACCOUNT WHICH STARTED 09/05/00 AND WAS SETTLED 12/03/01. THE CREDIT LIMIT ON THIS CARD WAS £400 THIS ACCOUNT WAS SETTLED BY A CHEQUE PAYMENT WHICH YOU CASHED ON 6/03/01.

During the time of holding this account I attended university. In case you have it under my university address (Which seeing as it is on my credit file as my mothers address I would find it highly unlikely) I have also now enclosed my university address. I have also enclosed

A COPY OF MY CREDIT FILE WHICH PROVES I HELD AN ACCOUNT WITH YOURSELVES IN MY NAME REGISTERED AT MY THEN HOME ADDRESS.

A copy of all my letters to you.

Two copies of identification.

The £10 fee payable under the Data Protection Act.

With all this information available to you I am confident that you will be able to locate, and provide me with the details of my old account. Please note that under the Data Protection Act you are require by law to supply me the said information within a 40 day time period. May I also remind you that this period runs from the original request. Therefore the data is required to reach me by the 16TH September. Can I also remind you that failure to supply this information will result in court action ordering you to do so, and also will include any damages awarded at the discretion of the court.

I expect to receive my information by the 16th September. I do not expect to receive another standard letter from yourselves in which you claim that I am asking for information of an account not in my name. If you still say you do not have my information then I expect a detailed account of why your company has decided to put account information on my credit file of an account that you are effectively saying I never held.

Yours sincerely

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 1 month later...

ok update on this . . .didnt receive my info so sent 7 day non compliance letter and guess what . . .received my info!

hhurraahh! at long last!

And for all that effort I discovered . . .wait for it . . .£60 in charges!

Pre Lim going of tomorrow!

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 3 weeks later...

Lou - it gets better than that . . .they have completely ignored me! so LBA sent off . . . roll on 14 days!

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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