Jump to content


  • Tweets

  • Posts

    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

i have written to llyods tsb for credit aggrement


shane 1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5435 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi guys i wrote a letter requesting a copy of the credit aggrement and sent postal order and used the template from this site and sent recorded on the 26march but have heard nothing what do i need to do now they are still ringing me and say that is now in the hands off there soliciter ,i recieved another letter this morning saying that i now have seven days or this will be passed over to some one else

Link to post
Share on other sites

hi guys i used the templates from the site asking for a copy of the credit agreement which i sent on the 26march with a 1 pound postal order and have not heard nothing from them i have sent statment of earnings which they dont reply to they are ringing me 8 or so times a day,today i have recieved a letter saying that if i dont settle the ballance it will go into the hands of there soliciter , when some guy rang earlier i told him that i had sent a letter asking for a copy of the credit aggrement and he said no such thing had been recieved by them i sent it recorded but no reply (it is llyods tsb that i am writing too

any help would be great

Link to post
Share on other sites

What is the debt for ? This is the follow up letter to send if they are in default of your request (12+2 working days after you sent the agreement)....

 

Send this recorded too - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.html

Link to post
Share on other sites

shane1

 

Have you checked that Lloyds received your recorded signed for delivery letter.

 

Check Royal Mail track/trace site to make sure it was delivered.

 

Lloyds are well over the prescribed time to acknowledge your CCA request, time to send the second letter Acc. in Dispute.

 

The last thing Lloyds will want to do, is send you a true copy of your agreement, thus the threatogrammes,believe me they are very very good at not receiving Letters etc.

 

Do not speak to them on the phone always insist on comms in writing. As I previously stated they do not like to address your requests and they will procrasternate as much as possible, hoping that you will concede your legal request for a true copy of your agreement.

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites

seems this is correct it seems that it has not been delivered so what do i do now i have spoken to royalmail and said that they will now look at why they havent delivered the letter, is it just that no one will sign for it

Link to post
Share on other sites

shane1

 

1) Either await for Royal mail answer re non delivery,they may have delivered it, but their system has fallen somewhere. Keep at them.

 

2) Send another letter, I have always been fortunate in that Royal Mail have always, (up to now) managed to deliver, as long as you have their delivery certificate the time for the bank to reply is 12+2days

 

I think I would go for (2) Royal Mail could take to much time and you have to make sure the bank have received your letter, you need to maintain the paper trail as the bank will/could deny any knowledge.

 

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites

got a none delivery from royal mail now they will open a dispute have also sent by special delivery that was also un delivered this is mad the address is validated post code sp10 1re

Link to post
Share on other sites

hi,

just reading your thread with interest. I too have had no luck in getting LTSB to sign for my CCA request.

The address That I used is 25 Gresham Street, London,EC2V 7HN (this is their registered office) according to the back of the cc statement, I sent this at the same time to several other companies and so far only 1out of 4 has signed for the letter. (sent 16th April) all of them seem to have mysteriously disappeared????? I was thinking of sending another copy by special delivery but having read your comments it seems unlikely that it would be delivered either, anyone got any ideas how to get round this problem.

Link to post
Share on other sites

hey thanks for the beavis i never thought of that i have since sent another to Service Recovery Lloyds TSB Bank Plc Three City Parkway The Droveway Hove East Sussex BN3 7AU by special delivery and guess what it never got there

Link to post
Share on other sites

I got my credit agreement today after lots of messing about but i sent it to the 125 Colmore road, Birmingham address and i finaly got a reply. Saying that, the address on the letter from them was PO Box 43, Peterlee, County Durham, SR8 2YQ. So it might be worth a try there;)

Dazza vs Lloyds #1 £4350:D

Dazza vs Lloyds #2 £1495:D

Dazza vs Lloyds PPI £1200:D

Link to post
Share on other sites

  • 1 month later...

hi all i wrote t0o lloyds tsb on the 1st of april requesting my cca they did recieve the letter cause they signed for it my i never gor nothing back then i sent the second leter on the 22april then on the 19th of may i recieved a letter saying that this is my credit aggrement for my credit card it says on the top credit card acceptence form and aggrement is this what im after and if it is why did it take 50 days to get here any help would be great

shane

Link to post
Share on other sites

Hi, shane.

 

I've merged your three threads, please stick to this one now, as it makes things easier for people to help you when they know exactly whats been happening regarding your problem ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...