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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Petalica V MS/Goldfish now Baclaycard


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Hi all,

Sent off CCA requests to creditors and have recieved just one reply so far from Barclaycard. This used to be a Morgan Stanley card who went to Goldfish and now its Barclaycard. I have seen a couple of threads from people in the same boat but most just seem to end with no outcome although I have seen one that won. I would love to hear from any one who is further down the line with Morgan Stanley/Barclaycard.

 

I cant scan the letter unfortunatley just yet ( hubby away and I am useless with techy stuff ) But It says

 

Ref section 78 of the consumer Credit act 1974

 

I write further to your letter and enclosed £1 fee requesting a copy of your executed agreement for the above account.

The information we must provide to you under the terms of section 78 is prescribed by the consumer credit act 1974 and by the consumer credit ( cancellation notices and copies of documents ) regulations 1983.

Under section 78 we must supply you with a copy of your executed agreement and a statement of accoutn which is practicable to refer.

Below is a statement of the account

 

The credit card limit on your account *******

The balance on your account today *******

The next minimum payment of ***** is due on *****

 

Please note a copy of you current Barclaycard credit agreement will be sent under seperate cover.

You will be recieving your next statement shortly which wil provide you with full details of your account.

 

This completes our obligation to you under section 78 of the consumer credit act

 

And thats the letter I recieved! Shall I sent account in dispute letter or wait till i recieve the terms and conditions? Also we owe £5000 on this card which I know is a lot, I guess this will make Barclaycard more determined to fight us all the way?

 

This is a great site, I love reading the threads, you al cheer me up so much!

Thanks for any help, it will be greatly appreciated I promise :)

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This completes our obligation to you under section 78 of the consumer credit act

Not until you receive everything it doesn't. Obviously it's up to you but you are entitled to send the 'in dispute' letter because they have not fullfilled their obligations.

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Thank you for your reply cerberusalert, but I am still rather confused where they have wrote about the cancellation notices and copies of documents regulations 1983.:-|

I have been trying to read some stuff on this but I am afraid it is going right over my head:)

 

This is the part that confuses me?

However, credit card companies usually send a copy of the application form (often without a signature) and a copy of current Terms and Conditions, which fully complies with the 1983 regulations.

 

Where it says FULLY COMPLIES

 

Does this mean they have done what is asked or am I barking up the wrong tree?

 

Sorry but with all this leagal jargon I am getting myself all confused.

Any help from anyone much appreciated. :)

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If you have asked for a copy of your credit agreement and they supply an application form without the prescribed terms within the four corners of the document they have not complied with CCA 1983 because they have not provided an enforceable agreement.

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