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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Capone response to CCA


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Crapone letter.pdf

 

Crapone info.pdf

 

Crapone agreement.pdf

 

Copy of Crapone my reply.pdf

 

Attached response from Capone to CCA request. Tried to post this under Capone forum but could not attach anything.

 

I have replied with dispute letter but wanted to add to the list of rubbish responses from this lot. The agreement they say is original has a date '0208' in the corner which I reckon is at least 5 years after I may have signed any agreement!

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Hi, this is the normal twaddle from cap1, you have sent them a letter putting the matter in dispute, my advice is to ignore them now, or you will be engaged in endless, we are right you are wrong exchanges.

 

The acc will be passed next to one of the well known (on here) DCAs, get back to us then

 

Regards CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Thanks, I appreciate the response CCM. As I am not living in the UK but in another EU country the response may be different to the norm. I will post when I receive something.

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Hi AA99.

Your post makes me wonder about their business sense. A £200 credit limit can hardly justify the cost of paying someone to make 100 + calls no matter how little they pay people in Mumbai!

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Hi AA99.

Your post makes me wonder about their business sense. A £200 credit limit can hardly justify the cost of paying someone to make 100 + calls no matter how little they pay people in Mumbai!

 

Exactly why I turned down their £8 refund letter, told them I'd spent more than that on recorded delivery letters :mad:

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[ATTACH]7434[/ATTACH]

 

[ATTACH]7435[/ATTACH]

 

Hi All,

 

I am attaching the response I got from RBS to this thread as for some reason I can't upload anything on the RBS forum. I will post this via a link on the thread I started under RBS forum! Aargh!

 

It's an application form which does not contain any of the 'prescribed terms' i.e., credit limit, repayment terms, %APR etc. within the four corners of the signed agreement. The T&C's are not linked to the document.

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Thanks for the quick response cerberusalert. What about the references in the T&C's to the same 9.9% deal as shown on the first page offered until 31 Jan 1998? wouldn't this be enough to tie them together? Don't get me wrong, I would be happier if it is unenforceable, it just looks to me that there is a strong likelihood they are front and back of the same document. If they are, my untrained eye thinks it may be enforceable. I hope I'm wrong!

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Try this when you respond;

 

Dear Sir/Madam

 

Re:− Account/Reference

 

ACCOUNT IN DISPUTE

 

I have received the documents you sent and in the accompanying letter you you have confirmed this to be a true copy of the credit agreement that exists in relation to this account. As you have sent this document in response to a formal request under Section 78 (1) of the Consumer Credit Act 1974, this statement is now binding on you as per section 172 of the Act.

 

I must inform you that the information received does not meet the requirements of a properly executed credit agreement under the 1974 Act.The document received does not contain any of the prescribed terms as set out in the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) Schedule 6 Column 2.

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974

 

 

The absence of a properly executed credit agreement prevents you from:

Adding interest to the account

Taking any enforcement action on the account

Issuing any default notices or registering any default marker with a credit reference agency

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

 

 

 

 

Wilson v First County Trust Ltd [2001] EWCA Civ 633, Sir Andrew Morritt, Vice Chancellor said:

The creditor must…be taken to have made a voluntary disposition, or gift, of the loan monies to the debtor. The creditor had chosen to part with the monies in circumstances in which it was never entitled to have them repaid

In the case of Dimond v Lovell [2000] UKHL 27, Lord Hoffmann said:

Parliament intended that if a consumer credit agreement was improperly executed, then subject to the enforcement powers of the court, the debtor should not have to pay.

I would also point out that if you continue to pursue me for this debt while it is dispute you will be in breach of the OFT guidelines.

 

 

 

 

What I Require

I require all correspondence in writing from here on; any persistent attempts to contact me by phone will be reported to trading standards

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case.

Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable it would be in everyone’s interest to consider the matter closed and for you to write the alleged debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

 

Yours Faithfully

Your name Printed not signed

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AA99, I have no doubt that cerberusalert may well be correct. I guess I just wanted confirmation I am doing the right thing from more than one source. So if anyone else would mind looking and giving an opinion it would give me more confidence to fight RBS on this one.

I have two accounts in dispute already, one with M&S and one with CapOne which I feel far more confident about.

I also have two MBNA accounts in dispute as they have sent me nothing to date.

I will post more as I get responses.

 

Thanks in advance to anyone else who replies.

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By the way, if you look through the thread it is the RBS Mint agreements on Post 7 I am looking for confirmation on, not the Capone ones at the beginning.

 

 

 

He gave you the answer and the letter..

He's right....great letter by the way.

If my advice helped you please click my star

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It's an application form which does not contain any of the 'prescribed terms' i.e., credit limit, repayment terms, %APR etc. within the four corners of the signed agreement. The T&C's are not linked to the document.

 

exchange - Ive had the same docs as you re application form and "conditions of use" which would appear to be on the reverse of the application form - in which case the prescribed terms are all present and "within the four corners" of the agreement. My only issues with this is that 1) the application form is barely legible in places and completely illegible in others, and

2) the "Conditions of use" appear to be of a different (ie much better ) quality in terms of reproduction than the "Application Form" of which it is supposed to be the reverse of.

I've sent a/c in dispute letter re illegibility, and had the standard reply saying they have complied to request under s78 by supplying a copy of the credit card agreement and original terms and conditions, however they fail to address the issue that all the small print on the credit card agreement is illegible. They also say they will not enter into any further correspondance regarding CCA breaches and do not consider the account to be in dispute and will be pursueing me for the full repayment. In the meantime had letter of Triton "Payment Demand" to which I replied with the bemused letter, no response as yet.

I dont want to hijack your thread, but will subscribe as my situation is the same as regards to CCA and "is it, isnt it enforceable".

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Thanks for the reply griffin. I suspected that some may interpret this as enforceable and that RBS are likely to say it is front and back of the same piece of paper. I noticed that the front page is not as good quality as the alleged back page as well which is why I too suspect it is not the same as on the original application. Does this mean that it still satisfies the interpretation of a 'true copy' though as they do seem linked in the sense that the information ties up front and back?

If however they do not hold the real original application form with my actual original signature on it but just a copy on their system microfiched can this still be used in court if it came to it? It looks to me as if they hold a copy of my application on microfiche but have sent a copy of the terms & conditions applicable at the time. What is to stop them copying those t&c's onto the back of a copy of the application and presenting that as a true copy in court? Sorry to ask so many questions but I still feel unsure about this one.

Thanks again to anyone with further responses and opinions.

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If they were stupid enough to take this to court they would lose...period!

 

If you are still nervous about it you could do a SAR which would cost you £10, but you would still get the same rubbish application form which would be just as unenforceable in law.

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