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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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      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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tale of a dodgy DN is the main thread

 

As I said, though, it's only that I recall having seen it disputed. I'm happy to accept your view on the matter.

 

And this post is probably a good guide: http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html#post1843811 "In Golden Strait Corporation v Nippon Yusen Kubishka Kaisha [2007], Lord Bingham said: 'The repudiation of a contract by one party ("the repudiator"), if accepted by the other ("the injured party"), brings the contract to an end and releases both parties from their primary obligations under the contract...'"

 

Regarding accepting unlawful recission, how soon after termination is it necessary to accept? I've had one or two where termination is implied (by a demand for the full sum, for instance) but no formal termination letter has been sent. I wouldn't want to alert a creditor to a dodgy DN but nor would I want to leave the acceptance of unlawful recission too long in the hope of receiving a formal termination letter.

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this is a typical acceptance of an unlawful repudiation and i would make a copy of it for future use

 

Dear Sirs,

 

I refer to your letter of XXXXXXXXXX in which you terminate the agreement (Demand payment in full of the outstanding balance)

 

Your action is an unlawful repudiation of the agreement and i accept your unlawful action and now consider myself relieved of any obligations that may have existed in the event that the alleged agreement did indeed exist.

 

Kindly advise me of the (genuine) amount of arrears outstanding as at the time of termination of the agreement.

 

Against your arrears may be a claim for unlawful rescission

 

I wait your advices

 

 

Yours faithfully

 

 

 

XXX

 

 

i would send recorded delivery

 

 

 

This is a very good letter DD, you reckon I should use this to send to HSBC, as I too have an unlawful DN?

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Hi nks22, I wasn't having a dig at you:D

 

Your quote above is from x20's original post.

If I remember correctly, x20's opinion was that any reasonable judge shouldn't require a lip to accept unlawful termination, this can be read in x20's later posts, in the further discussion thread.

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this is a typical acceptance of an unlawful repudiation and i would make a copy of it for future use

 

Dear Sirs,

 

I refer to your letter of XXXXXXXXXX in which you terminate the agreement (Demand payment in full of the outstanding balance)

 

Your action is an unlawful repudiation of the agreement and i accept your unlawful action and now consider myself relieved of any obligations that may have existed in the event that the alleged agreement did indeed exist.

 

Kindly advise me of the (genuine) amount of arrears outstanding as at the time of termination of the agreement.

 

Against your arrears may be a claim for unlawful rescission

 

I wait your advices

 

 

Yours faithfully

 

Can any experienced CAGGERs comment on whether there is a time limit to send this letter by Diddydicky following a termination letter?

 

 

Thanks

 

Vicky

xxxx

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As I said, though, it's only that I recall having seen it disputed. I'm happy to accept your view on the matter.

 

And this post is probably a good guide: http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html#post1843811 "In Golden Strait Corporation v Nippon Yusen Kubishka Kaisha [2007], Lord Bingham said: 'The repudiation of a contract by one party ("the repudiator"), if accepted by the other ("the injured party"), brings the contract to an end and releases both parties from their primary obligations under the contract...'"

 

Regarding accepting unlawful recission, how soon after termination is it necessary to accept? I've had one or two where termination is implied (by a demand for the full sum, for instance) but no formal termination letter has been sent. I wouldn't want to alert a creditor to a dodgy DN but nor would I want to leave the acceptance of unlawful recission too long in the hope of receiving a formal termination letter.

 

a demand for repayment of the full outstanding balance is a termination

 

think of it this way

 

the benefits of the agreement to the debtor is to be able to borrow money and repay it monthly in amounts of his own choosing (subject to a minimum)

 

the benefits to the creditor are more but mainly that they will make a nice profit on interest the longer you take to repay

 

Now, the creditor can ONLY lawfully take away that benefit (demand that you repay at once- that which the agreement says you can pay in future) IF he complies with the correct proceedure for doing so)

 

Thus a "demand" that you immediately pay sums "that were not yet due under the agreement! is a termination of the agreement, if it was done lawfully under the act .

 

But it is an UNLAWFUL ATTEMPT to terminate (a repudiation) otherwise

 

as it is done unlawfully (because the creditor failed to comply with the way it should lawfully be done) it is an unlawful repudiation of his part of the bargain

 

and thus can be treated in exactly as a letter "terminating" the agreement

 

it amounts to the same thing

Edited by diddydicky
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Excellent explanation there dd. If you have a dodgy DN and after this the bank demands payment in full then it is good news if you want to fight, because not only have HSBC sent me an unlawful DN by not allowing me enough time to remedy the breach, but also one month later they have demanded payment in full.

 

I have a clearer understanding now after reading the above. I will however be writing to HSBC about the Unlawful reccission, its just a matter of when I write it that I am confused about, as the FOS are currently dealing with my complaint and I am also waiting for my SAR from HSBC.

 

 

Thanks

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I received a faulty DN from Halifax (insufficient time to remedy) with the debt since handled on their behalf by Wescot. One of Wescot's letters is headed 'Final Notice' and says that unless I contact them and "agree repayment of £xxx [the full amount] within the next 14 days the following action may be taken": door step collector or court action... I've also had a letter from their solicitors, Nelson Guest, saying that the balance of £xxx [the full amount] remains outstanding.

 

Should I regard that as termination and write to accept unlawful recission or just sit tight and wait for a formal letter of termination?

 

(The problem, it seems to me, is that they say we 'may' do this rather than we 'will' do it.)

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Can any experienced CAGGERs comment on whether there is a time limit to send this letter by Diddydicky following a termination letter?

 

I'm not quite sure what you mean by experienced, but if you mean "been to court on this subject" then -

 

So long as you are 100% positive of an irregularity with the notices -

 

There is no time limit, but the sooner after receiving the TN, the better. Arrears are accruing up to the date of the acceptance deed/letter.

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Jim I asked that very question earlier this week on another thread - but haven't got an answer yet. In my case I am witholding payment as they haven't provided a true copy cca - but they are threatening to continue to add interest and I don't think that's fair as the delay in my paying more is down to them.

 

On your accepting their actual termination - if it was unlawful rescission - then all T&C's are void as there is no longer any agreement by you to pay anything further - and your only obligation is to pay lawful arrears - but you can deduct unfair charges and contractual interest and (I think?) compensation too.

 

It seems to be ESSENTIAL to agree to the unlawful termination otherwise it is not actually termination by virtue of being unlawful.

 

Hope this helps - if so, tip my scales.

 

BD

 

Thanks Bigdebtor, In my case the DN is invalid but they did continue for several months to add interest, so I gather when demand for full amount is received there is no need to wait for Termination Notice.

Jim

 

P.S Where are the scales that can be tipped?

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The test for repudiation of a contract in our law is objective. The test is whether a reasonable person in the position of the innocent party would conclude that proper performance will not be forthcoming.

 

“Acceptance” of the repudiation by the innocent party, does not “complete” the breach. It simply illustrates the exercise by the innocent party of its right to terminate the agreement. Repudiation in itself is breach of contract.

 

 

cab

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"DELETED" (WRONG THREAD)

but under contract law,

 

The election to cancel, as long as it is unambiguous, need not be communicated directly to the guilty party by the innocent party. It may be conveyed to the guilty party by a third party, once it has been made and manifested.

 

 

CAB

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There is no time limit, but the sooner after receiving the TN, the better. Arrears are accruing up to the date of the acceptance deed/letter.

 

 

Thanks Bill

 

Sorry to be asking dumb questions !

 

I will send a letter of tonight accepting termination.

 

What do you mean by arrears are accruing up to the date of the acceptance deed/letter?

 

I thought once the account has been defaulted and terminated that was it.

 

(I've noticed the figures that the DCA is claiming I owe is the same as when Egg terminated 5 months ago)

 

Vicky

xxxx

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Excellent explanation there dd. If you have a dodgy DN and after this the bank demands payment in full then it is good news if you want to fight, because not only have HSBC sent me an unlawful DN by not allowing me enough time to remedy the breach, but also one month later they have demanded payment in full.

 

I have a clearer understanding now after reading the above. I will however be writing to HSBC about the Unlawful reccission, its just a matter of when I write it that I am confused about, as the FOS are currently dealing with my complaint and I am also waiting for my SAR from HSBC.

 

 

Thanks

 

i assume you refer to a credit card or loan and not a bank account!

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What do you mean by arrears are accruing up to the date of the acceptance deed/letter?

 

When you argue that the DN/TN amount to unlawful rescission (because the notices are ineffective) legally the agreement endures until you "accept". Therefore, you would be liable for any arrears accrued until the acceptance is received by/brought to the attention of the creditor. Unless you get very lucky on the judge lottery.

 

The case law usually relied on (to pay the sum legitimately owing on the date of the DN) is Woodchester vs Swayne. Where a DN that mis-stated arrears left the debtor only liable for the actual arrears accrued up to the date of the DN.

Woodchester vs Swayne was a hire purchase agreement for a photocopier, I suspect that the photocopier was repossessed after Woodchester served Swayne with the DN or TN. As such (upon repossession of the photocopier) there were no further arrears to accrue.

In any case, Swayne was/is a firm of solicitors, so I would expect them to know all about rescission or repudiation. However, the appeal judgment does not mention whether or not Swayne even counterclaimed for unlawful rescission or, if they "accepted" the rescission.

 

I would still be very appreciative if anybody has the original (pre-appeal) judgment to share.

 

Bill

Edited by Bill Shidding
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Thanks Bill

 

Sorry to be asking dumb questions !

 

I will send a letter of tonight accepting termination.

 

What do you mean by arrears are accruing up to the date of the acceptance deed/letter?

 

I thought once the account has been defaulted and terminated that was it.

 

(I've noticed the figures that the DCA is claiming I owe is the same as when Egg terminated 5 months ago)

 

Vicky

xxxx

 

Vicky

 

I'll pm you when I get time over the weekend. Don't send any termination letter before reading my pm.

 

BD

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Vicky

 

I'll pm you when I get time over the weekend. Don't send any termination letter before reading my pm.

 

BD

 

Bigdebtor

 

Now you've got me wondering what you are PM'ing that you can't share on here!

 

I have a similar conundrum and would like to see opinions on here, what's to hide?

 

Exchange

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Well it appears Amex have changed their defaults... they no longer give a remedy date but rather state....

 

"payment due on your account of ...must be received within fourteen calendar days from the date of service of this Notice of Default"

 

Good news for anyone defending amex claims I would suspect :-)

 

On this thread:-->http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/239086-after-7-months-dispute-2.html#post2718873

 

S.

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Bigdebtor

 

Now you've got me wondering what you are PM'ing that you can't share on here!

 

I have a similar conundrum and would like to see opinions on here, what's to hide?

 

Exchange

 

Hi Exchange,

I think the answer lies in bigdebtors post number 985

Jim

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I wouldn't tell them they can claim arrears. It's up to them to claim what they are due, not up to me to tell them.

 

i dont agree,

 

if the matter goes to court the fact that you made no attempt to deal with the arrears would IMO not go to well with the judge

 

your claim for unlawful rescission will in 99% of cases far outweigh any arrears and you can then be seen to have been doing the right thing

 

It is also a double edged sword in that they will NOT respond with the amount of the arrears and by inference you can also argue later their failure to bleat at your suggestion can be seen to be an acceptance by them of that fact

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