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    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Invalid Default Notices


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Still soldiering on. In view of Bank 2 not replying to Equifax - it is now 7 weeks since Equifax asked the bank for info and haven't heard a peep out of them since - I have asked Equifax how long they give them to reply. I have also written to Experian and Callcredit telling them about the bank not replying to Equifax and suggestion that in view of this they too would want to seek clarification about the entries. Putting on more pressure. Eventually the bank have to take their corporate head out of the sand and stop behaving like ostriches.

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I certainly am Vint, leaning hard on the DCAs and going ahead with the legal stuff. I am going on holiday at the beginning of October for 2 weeks and I expect the real action to begin when I return. However, this is the first time that Bank 2 have shut up so there are the green shoots of a breakthrough there. That's why I am turning the pressure up on the CRAs. Until now Bank 2 have bluffed their way through but with the invalid defaults they must know their bluff has been called. I have the evidence - I think they destroyed their copies or did it on templates and don't have copies. It is going to stick in their throats to remove the defaults but they have no excuse not to. In Scots law you have to get them to remove the defaults first then claim damages in a separate action so that allows me to step the level of action against them up a notch when claiming for damages. Also, in a complaint I made to the FOS about them harrassing me for payment (nothing to do with the defaults) the Ombudsman replied to me that he had seen statements from both accounts. I didn't get any statements when I SAR'd them so either they have breached the DPA not giving me copies or they have lied to the FOS. I have written to tell the FOS this and their Review team is going to get in touch with me. If they have lied to the FOS they are in trouble there; if they have lied to me they are in trouble with the ICO. Either way it is a lose-lose situation for them. So onwards and upwards and the evidence on all fronts is building up nicely.

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I certainly am Vint, leaning hard on the DCAs and going ahead with the legal stuff. I am going on holiday at the beginning of October for 2 weeks and I expect the real action to begin when I return. However, this is the first time that Bank 2 have shut up so there are the green shoots of a breakthrough there. That's why I am turning the pressure up on the CRAs. Until now Bank 2 have bluffed their way through but with the invalid defaults they must know their bluff has been called. I have the evidence - I think they destroyed their copies or did it on templates and don't have copies. It is going to stick in their throats to remove the defaults but they have no excuse not to. In Scots law you have to get them to remove the defaults first then claim damages in a separate action so that allows me to step the level of action against them up a notch when claiming for damages. Also, in a complaint I made to the FOS about them harrassing me for payment (nothing to do with the defaults) the Ombudsman replied to me that he had seen statements from both accounts. I didn't get any statements when I SAR'd them so either they have breached the DPA not giving me copies or they have lied to the FOS. I have written to tell the FOS this and their Review team is going to get in touch with me. If they have lied to the FOS they are in trouble there; if they have lied to me they are in trouble with the ICO. Either way it is a lose-lose situation for them. So onwards and upwards and the evidence on all fronts is building up nicely.

I will watch with interest

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Yes, yes, yes, yes, yes, yes, YES!

 

Equifax emailed me today that in view of Bank 2's non-response to their enquiries, they have removed their entries from my credit reports. I have written to Experian and Callcredit telling them to get them off - if you get my drift!:lol:

 

A breakthrough, although they could still reply to Equifax and put them back on again. Somehow I doubt it. Rather than admit defeat, they simply didn't reply. Hooray!:grin:

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  • 2 weeks later...

Thank you everyone. I'll keep you all informed. It's a long, slow process and a question of keeping the pressure on. I wrote umpteen letters at the end of last week and the phone wires must be going but so far no replies. Once it is all over I'll do a chronological sequence of events for everyone to read.

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Once it is all over I'll do a chronological sequence of events for everyone to read.

 

That would be excellent mate.

 

So far, over the last 2 years I have seen off all that have come after me. Been thinking of late that taking the fight to some of them would be worth it.

 

Be interested to see how you went about it, after all if it works, not much point in reinventing the wheel.

 

Cheers

 

David

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Hello Fellow CAGERS.:D

 

Well, progress and I have had to delay court action to allow that progress to filter through. The court expects you to do that and it will be in my favour that I have.

 

In April, my credit reports read 14 accounts and 6 defaults. :-(

 

Today it reads: CRA 1 - 8 Accounts and 1 default

CRA 2 - 10 accounts and 3 defaults

CRA 3 - 10 accounts and 3 defaults

 

Bank 2 as you will recall has 2 defaults. CRA 2 has not replied to my letter informing them that CRA 1 has removed the entries and CRA 3 says that CRA 1 has probably only hidden them from the archive. Not so - they have been deleted. So more ammunition for me in court - why did Bank 2 not reply to CRA 1 when they asked them for confirmation of the defaults?

 

Bank 3 will not remove them - it's the 1 default left on my reports with CRA1.

 

So, I have had to re- tweak the court cases yet again! The new court lodgement date will be on 19 October as I am going on holiday before then and I want a clear run at it when I return - should fill up my Winter nights!:lol:

 

So, court cases are now:

 

Bank 2 - 2 defaults - 2 cases for default removal and damages

Bank 3 - 1 default - 1 case for default removal and damages

DCA - 1 case for damages (default removed)

Bank that passed debt to DCA - 1 case for repayment of money.

 

The cases are all prepared - again! - and I will keep you all posted.

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Oh dear - Experian has the jitters again!:eek: A letter from the Director's Office to say that Bank 2 told them their 2 entries on my reports were correct. Now, that strikes me as very odd. They told Experian one thing on 30 June and told Equifax the exact opposite the very next day. Mmmm. :rolleyes: Bank 2 clearly don't know their ar*e from their elbow, poor souls. I wonder what the court will make of that?? :grin: Choices. I can either go easy on Experian and the other CRAs and not spoil the beginning of next week for them - or I can do a bit of screw turning. The rack is out as we speak!!:lol:

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  • 2 weeks later...

glad i found this thread

 

situation to ponder

 

if a default notice is invalid for what ever reason

not laid out in the correct format

time limit, etc etc

 

the creditor then goes on to trash your credit file

 

now being the default is crap. the creditor can only then claim the arrears if at court stage

 

CAN THE DEFENDANT PUT IN A CLAIM FOR DAMAGE TO CREDIT FILE, BEING UNLAWFULlY DEFAULTED

 

IME TALKING £1000 DAMAGES PLUS VALUE OF THE DEFAULT

 

THE WOOLWICH JUDGEMENT IME QUOTING ON THIS

 

mightbat least get the creditor to withdraw or agree removel of any default

 

just shooting from the hip on this

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Hi All

 

As AA99 said Saturday does NOT Count.

Here's some info on postal dates.

 

Quote:

1. Interpretation Act 1978, Section 7

This states:-

Where an Act authorises or requires any document to be served by post (whether the expression "serve" or the expressions "give" or "send" or any other expression is used) then, unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have effected at the time at which the letter would be delivered in the ordinary course of post."

2. Practice Direction

Service of Documents - First and Second Class Mail.

With effect from 16 April 1985 the Practice Direction issued on 30 July 1968 is hereby revoked and the following is substituted therefore.

1. Under S7 of the Interpretation Act 1978 service by post is deemed to have been effected, unless the contrary has been proved, at the time when the letter would be delivered in the ordinary course of post.

2. To avoid uncertainty as to the date of service it will be taken (subject to proof to the contrary) that delivery in the ordinary course of post was effected:-

(a) in the case of first class mail, on the second working day after posting;

(b) in the case of second class mail, on the fourth working day after posting.

"Working days" are Monday to Friday, excluding any bank holiday.

3. Affidavits of service shall state whether the document was dispatched by first or second class mail. If this information is omitted it will be assumed that second class mail was used.

4. This direction is subject to the special provisions of RSC Order 10, rule 1(3) relating to the service of originating process.

 

 

 

Gaz

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