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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Citi card


forstal
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In August last year my earnings decreased significantly and i was unable to keep up repayments on credit cards.I sought immediate advise and sent citi card a budget planner and eventually we came to an agreement to pay a reduced figure and stop all interest and charges.This i have been doing since Sept 08.

In January out of the blue i received a default notice asking for £3555.87 within 14 days!

I rang citicards and they said that the amount i was paying was not enough and they required 7.5 times the original agreed figure.Stupidly i borrowed that amount from my father and paid them.

This obviosly can not continue so with the advise and knowledge from this forum i cca'd them on 7/02/09,a few days later i received another default notice asking for £2142.00 (you will notice the amount owing has decreased significantly).

I received about 4-5 calls per day from them which i dont answer and then on friday they left a message at my office reception saying that i must contact by midday.I did not respond but i recieved no calls over the weekend or today so far.

Today i have put the acc in dispute using the template letter but my question is what do you think they are up to?

Any help and advise would be much appreciated.

The card is approx 8 yrs old

Thanks

forstal

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With regard to the harrassment, i'd send the letter from here recorded delivery.

 

(and please log ALL the times and dates they call)

 

Your Street

Town

City

Postcode

 

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of the Protection from Harassment Act 1997 and CPUTR 2008

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

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Well, they might possibly issue court proceedings, but if they are in default of your request for the agreement (and they don't produce it AND let alone it containing the prescribed terms) they will be stuffed...any penalty charges on the account ? have you also considered a SAR (Subject Access Request) ?

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Hi,

I didn't think you could be defaulted for the same debt twice?

This is quite strange. Did they defo default you the first time round?

 

BTK

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Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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VERY good point BTK......you can't issue 2 default notices....they obviously feel the first one was wrong and may have tried to correct it via the second.... - http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html

 

Are you able to photo/scan them both up and post them on here (minus any points that might identify you) ? use www.photobucket.com (free) and there is a tutorial here - http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

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Im not able to photo or scan on here today but having read other threads it would appear that they are not REAL default notices as they give me 21 days to pay the arrears and say they MAY take further action.

Am i right or am i misleading myself

forstal

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I've actually reported Citifinancial to the FSA for their practices. I was in the middle of reclaiming charges when they sold my debt to 1st Credit. Beware, this may be their next step. They have since had to buy the debt back from 1st Credit and they have repaid all my charges. A complain to the FSA may be worth considering as I do know they are being investigated. You will need to send all your correspondence to them.

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Having heard nothing i received this today dated 6th March (8 days to arrive)

IMPORTANT YOU SHOULD READ THIS CAREFULLY

Termination of your agreement

As you have failed to rectify the breach in the default notice we recently sent you,we now require immediate payment of the full balance on the account.The balance is currently £......

We also give you notice that we have terminated your agreement.Please cut in half and securely dispose of any unexpired cards and cheques bearing the above No.We will no longer honour any regular payments that you have set up on the account.These might include insurance premiums or any subscriptions or donations to other organisations.You must contact any payees to arrange an alternative mthod of payment.

We have included the following notice to ensure that you are aware of all sums charged to your account.if the default sum refered to belowwas included in your last statement,please disregard this notice

Cont on next post .......

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Notice of default sums.

 

The consumer credit Act 1974 requires us to give you this notice because a defaultfee has been applied to your account.

A late payment fee of £12 was charged to your accont on your last payment due day as you did not make the payment on time.

The notice does not take account of default sums,which we already told you about in another default sum notice,whether or not those sums remain unpaid.

 

Mike Green

Head of collections

 

HELP WHAT DO I DO NEXT

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They will undoubtedly sell this debt on. I would write to them stating that they are in default of providing a copy of your credit agreement and ask them how they can issue two default notices on one account. Tell them that they have acted unreasonable given the current climate and it has left you with no alternative but to report them to the regulatory bodies. I would copy in the OFT and the FSA at the same time enclosing copies of all correspondence.

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No you will need to do your own letter just with the points I've mentioned.

 

OFT's address Fleetbank House, 2-5 Salisbury Squre, London EC4Y 8JX

FSA - Mr D Franks Customer Contact Centre The FSA 25 The North Colonnade. Canary Wharf, London E14 5HS.

 

When sending copies to both of them just add a ps stating that you are enclosing copies of correspondence to bring to their attention the practises of Citifinancial.

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