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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Parking Fee Paid But Input Incorrect VRN - Discussion thread

      By dx100uk · Posted

      if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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      Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Citi Card CCA Received - What a Load of Garbage!!

WelshMam2009
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the_shadow

the_shadow

Posted
Posted
That is definitely very strange! And it only goes to affirm the idea that they are staffed by numpties:rolleyes:

 

Yep, even better when they sent me a letter saying they werent required to send my CCA as their was no contractual obligation and that they werent seeking to enforce the agreement. Filed that one away for future reference

 

PmW

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WelshMam2009

WelshMam2009

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Yep, even better when they sent me a letter saying they werent required to send my CCA as their was no contractual obligation and that they werent seeking to enforce the agreement. Filed that one away for future reference

 

PmW

 

Now that PmW is numptiness at its finest!! :lol::lol::lol:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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SteveH2508

SteveH2508

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Yep, even better when they sent me a letter saying they werent required to send my CCA as their was no contractual obligation and that they werent seeking to enforce the agreement. Filed that one away for future reference

 

PmW

 

That is a Get out of Jail Free card.

 

If they try to claim it was a mistake etc. then let me know. I've scuppered that one with them already and I suspect OFT will be interested in their little dodges.

 

Who was it signed by anyway?

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Enron

Enron

Posted
Posted

All statements in response to s78(1) CCA are legally binding, stevenH you know the specific section.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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WelshMam2009

WelshMam2009

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Excuse my ignorance Enron, but I'm not sure what are you saying here exactly?

 

How can a statement saying that they don't have to supply you with a CCA be legally binding?? :confused: In what sense??

 

Was commenting on a number of individuals receiving letters that stated that Citi as creditor were not looking to enforce any agreement against a customer. That is a legally binding statement.

 

Then in the majority of cases Citi have gone ahead and enforced the agreement despite their earlier assertions.

 

When questioned on this point they have said that it was a mistake, however it does not alter the fact of their earlier statement being made.

Edited by Enron

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Enron

Enron

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Was commenting on Citi stating to customers in writing that they were not looking to enforce an agreements against them. Thats a legally binding statement under s172 CCA.

 

Then going ahead and enforcing the agreements regardless of their earlier statements.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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WelshMam2009

WelshMam2009

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Was commenting on Citi stating to customers in writing that they were not looking to enforce an agreements against them. Thats a legally binding statement under s172 CCA.

 

Then going ahead and enforcing the agreements regardless of their earlier statements.

 

Ok, thanks all...get it now...brilliant thing about this forum is that you learn something new every day!!!:D

 

172 Statements by creditor or owner to be binding

(1) A statement by a creditor or owner is binding on him if given under—

section 77(1),

section 78(1),

section 79(1),

section 97(1),

section 107(1)©,

section 108(1)©, or

section 109(1)©.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Enron

Enron

Posted
Posted

But then again, laws and regulations don't mean much to some companies as we are finding out.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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SteveH2508

SteveH2508

Posted
Posted

I have some letters which make the point to the CitiNumpties quite nicely. If you get any BS from them claiming the letter was issued by mistake we can tie them up in knots (and we should bubble them to OFT if it appears to be a standard ploy from them). :D

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Enron

Enron

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Posted

I think so, the people in Salford were making the same mistake as those in London, so definately a tactic.

 

There was one person in addition to yourself who I am aware to that this has happened to.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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the_shadow

the_shadow

Posted
Posted
That is a Get out of Jail Free card.

 

If they try to claim it was a mistake etc. then let me know. I've scuppered that one with them already and I suspect OFT will be interested in their little dodges.

 

Who was it signed by anyway?

 

Squiggle of the data request team signed it :D I do wish peoples signatures were easier to read. Address on top right of letter was Po box in London.

 

Apologies Welshmum I didnt mean to cause confusion on your thread.

 

Steve/Enron, I had to change my username as a DCA recognised my useraccount on here. I think I am the person your aware of already having that letter.

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Enron

Enron

Posted
Posted

Thats OK, mines titled as address by Richard Cooke, though its obviously not his signature.

 

Just wish s78(6)b CCA was still in place as someone would be facing prosecution here.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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SteveH2508

SteveH2508

Posted
Posted

Ah the infamous Mr Cooke who is the Data Protection Officer.

 

I would venture to suggest that there are some rather embarrassing questions which need to be addressed as well. The ‘mistake’ was apparently made by or on behalf of a Data Protection Officer of a multi-national company. This does not instil a great deal of confidence in the systems in place and the accuracy of other data issuing from and being processed by that organisation.

 

This paragraph gave me great satisfaction when writing it! :D

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WelshMam2009

WelshMam2009

Posted
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Finally got a response...

 

Apparently, I am not entitled to a copy of my CCA as my account was terminated in the month that I made my CCA request.

 

Such a shame for them that the default notice wasn't issued until a month later!!

 

They also state that the account has been assigned and that they are not looking to enforce the agreement (what agreement??!!)...sounds rather familiar and thanks to Enron and Car I am now familiar with s172!!

 

I feel a whole lot of letter writing coming on!! :p

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Enron

Enron

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Trying to worm their way out of giving you a document you are legally entitled to.

 

Time to write to the OFT, let them know that you didn't receive a default notice until a month after - Citi also have a habit of not issuing termination notices as well before selling on accounts.

 

I would also suggest writing in response to that letter outlining that the default notice was sent after you made your CCA request - listing both dates. And see what they come back with, they'll likely just ignore your letter if experience is anything to go by.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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WelshMam2009

WelshMam2009

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Trying to worm their way out of giving you a document you are legally entitled to.

 

Time to write to the OFT, let them know that you didn't receive a default notice until a month after - Citi also have a habit of not issuing termination notices as well before selling on accounts.

 

I would also suggest writing in response to that letter outlining that the default notice was sent after you made your CCA request - listing both dates. And see what they come back with, they'll likely just ignore your letter if experience is anything to go by.

 

Thanks Enron...I've also got another issue where I believe that they have backdated the DN also. I'm not sure whether to invest £10 to get a SAR and see what evidence that contains or if I should just go straight to OFT now.

 

I am intrigued to know what data they have got recorded and also if an agreement exists at all (which I very much doubt at the moment).

 

Any thoughts?

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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diddydicky

diddydicky

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Posted
I think so, the people in Salford were making the same mistake as those in London, so definately a tactic.

 

There was one person in addition to yourself who I am aware to that this has happened to.

 

would you know when citi reduced the fees to 12 quid?

 

thanks

 

dick

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Enron

Enron

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Posted

Think it was towards the end of June/July 2006 from memory.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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WelshMam2009

WelshMam2009

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Apparently, I am not entitled to a copy of my CCA as my account was terminated in the month that I made my CCA request.

 

They also state that the account has been assigned and that they are not looking to enforce the agreement (what agreement??!!)...sounds rather familiar and thanks to Enron and Car I am now familiar with s172!!

 

Update...further to the above which I posted on 22 July 2009, I have now received another letter from Citi, thanking me for my "RECENT" CCA request :confused: (actually requested in March!!!) and confirming that their specialist team are still collating the documents.

 

I really give up with these chancers...what planet are they on?!! :evil:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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the_shadow

the_shadow

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Posted
Update...further to the above which I posted on 22 July 2009, I have now received another letter from Citi, thanking me for my "RECENT" CCA request :confused: (actually requested in March!!!) and confirming that their specialist team are still collating the documents.

 

I really give up with these chancers...what planet are they on?!! :evil:

 

Almost same position as me, they'll prob send a copy of t&c next.

 

I had t&c come first then that letter :-D, I'm awaiting there next move.

 

S.

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