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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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MBNA still putting negative entries on credit file whilst agreement in dispute.


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I am disputing the enforcability of my credit card agreement with MBNA,

 

my understanding that whilst an agreement is in dispute lenders must stop processing your details

and entering negative information on your credit file.

 

MBNA have continued to do this despite me writing to them asking them to stop,

they insist they can continue to do so on the basis that they believe it is enforcable.

 

They appear to be disregarding the fact the agreement is in dispute.

 

I want to make a formal complaint to the highest authority in the country and take them to task,

who would this be and are there any letter templates for doing this.

 

Any forum users in a similar position?

 

Support, advice greatly received.

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  • 3 months later...

I entered into dispute with MBNA last October over the enforcability of my agreement.

 

My understanding is that whilst there is a dispute MBNA should not be entering information about the account with CRA.

 

I wrote to MBNA who insisted the agreement was enforceable (as they would)

and would continue to enter details on how I have managed my account.

 

I wrote a notice of correction on my file,

 

Experian investigated it and ruled in MBNA's favour

and the information would stand.

 

Where can I go from here?

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the regulators are down on record as saying that just because the agreement is unenforcable, it means just that, it does not mean the debt does not exist & Co's can carry on reporting it's status to cra's.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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MBNA have sold my debt to Direct legal and Collections whilst the agreement is being disputed. How do I respond to the DCA?

 

Tell them it's in dispute and that they should send the account back to MBNA. Here's a copy of Curly Ben's 'bemused' letter which I may have modified slightly, but I'm sure it will do:

 

Dear Sir/Madam

 

Your Reference: xxxxxxxxxxxxxxxxxxxxxxx

 

Thank you for your letter dated xxxxxxxxxxxxxx.

 

I was rather surprised to receive this letter because this account is in dispute with MBNA and has been since dd/mm/yyyy.

 

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

As MBNA are now in default of my Consumer Credit Act request, OFT Collection Guidelines, I consider this account to be in SERIOUS DISPUTE.

 

The document that MBNA are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both MBNA and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, they are also obliged to send me a copy of that document.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to MBNA for resolution of these defaults and breaches, as (Whatever bunch of cretins MBNA send it to) cannot lawfully pursue any enforcement activities.

 

If (Whatever bunch of cretins MBNA send it to) chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I look forward to hearing from you in writing.

 

 

Yours faithfully

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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According to ICO guidelines registering a default on a unenforceable aggrement may be wrong from this:

Technical Guidance Note - Filing defaults with credit reference agencies

 

Paragraph 42 deals with disputes with a default, where paragraph 44 lists various actions that may make registering a default a breach of the DPA:

 

Is the customer defending a court action by the lender to obtain a judgment, and what is the nature of their defence?

 

Has a court refused judgment to the lender and, if so, on what grounds?

 

If the dispute has not been before a court, is the lender prepared to test their claim by seeking a CCJ or decree against the customer? If not, why not?

There are more reasons in the linked pdf, and they say it's down to each individual case, but the chances are if they aren't willing to go to court with an unenforceable aggrement (or have already lost in court) and depending on other circumstances the ICO may rule the default is wrong.

 

Possibly best thing to do is to read through that pdf, point out everything MBNA have done wrong and write back to Experian or go straight to the ICO.

 

Did Experian give a reason for siding with MBNA?

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Reading through this and skipping to paragraph 44

 

I now believe I have grounds for a formal complaint to the ICO.

 

Does anyone have a template letter for writing to them.

 

Should I also write to MBNA who alledged they have sold the dealt.

 

Wrote to DCA to tell them agreement in dispute,

 

got a letter from them saying they are referring it back to MBNA.

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Got a reply from Direct Legal & Collections who have halted any further action and gone back to MBNA.

 

That was quick - how did you manage that?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I wrote to them, as above,

 

I guess MBNA didn't tell them debt was in dispute when they sold it on to them.

 

Whilst an agreement is being disputed there are certain guidelines lenders must adhere to,

 

my experience is they don't and flout every guideline in the book.

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  • 3 months later...

Hi you amazing beings on here!!

 

MBNA sold my credit card debt to Hillesden Securities whilst the agreement was being disputed and still is.

 

They wrote to me to inform me that they had purchased the debt and are starting recovery action.

 

I managed to bat them away with a letter saying the agreement still in dispute,

they wrote back to say all action is on hold whilst they seek clarification from MBNA,

that was the 6th August,

 

I have received 1 phone call from them where I told them I could not give them my name

as I could not verify who they were over the phone, that's where it ended.

 

They are reporting onto my experian credit file even though I have never entered into any contract with them.

 

I have placed a notice of correction on my credit file and had dialogue with Experian to no effect.

 

I need a letter that I can send to both Experian and Hillesden Securities to ask them to cease procesing

my details that also demonstrates that if they continue to do so

they would be breaking the law and that recourse would follow.

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This is very interesting. I have recently heard of a very similar situation involving British Gas.

 

British Gas sold the account onto a debt collection agency. The first thing that the DCA did was to put a default onto the alleged debtors credit file.

 

The alleged debtor issued a claim against the DCA for breach of the Data Protection Act on the basis that they had no contractual or other authority to share this information with any third parties including putting it onto the credit register.

 

The debt collection agency eventually remove the entry and paid a sum of about £350 in damages in order to avoid the court hearing.

 

This story is no guarantee that you will succeed but that least you should gain some encouragement to know that you would not be the first person to try this and it seems to me that you would be on reasonable grounds.

 

We do not have a template letter that you say you need. However all it needs is a very simple explanation.

 

If you don't want to take it further, you could think about suing Hillesden on the same basis as the British Gas case.

 

The DCA in the British Gas case was Robinson Way

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hi bankfodder

 

i took fredricksons to court for a default on my credit file for a stat barred debt

 

i got 300 quid damages and 200 quid costs

 

they settled out of court quoting an addmin error

 

 

 

as the account was in dispute allternative answer and you have the correspondants to and from mbna to prove this,

 

dlc are on dodgy ground

 

send dlc a 14 day letter before action

tell them to remove the default entry as the deed of assignment is void and to return the account or damages under the dpa will start with out further notice

 

the price for an illegal default is a grand

 

i have a court case at the moment where i claimed damages for a pal

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177131-marlin-rankin-now-court.html?highlight=postggj

 

it will give you some info on the legal aspect on an illegal default

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hi bankfodder

 

i took fredricksons to court for a default on my credit file for a stat barred debt

 

i got 300 quid damages and 200 quid costs

 

they settled out of court quoting an addmin error

 

 

 

as the account was in dispute allternative answer and you have the correspondants to and from mbna to prove this,

 

dlc are on dodgy ground

 

send dlc a 14 day letter before action

tell them to remove the default entry as the deed of assignment is void and to return the account or damages under the dpa will start with out further notice

 

the price for an illegal default is a grand

 

i have a court case at the moment where i claimed damages for a pal

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177131-marlin-rankin-now-court.html?highlight=postggj

 

it will give you some info on the legal aspect on an illegal default

 

Do you have a copy of the letter you sent to put the DCA on notice please?

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Subbing onto this interesting thread.

 

We had a Next Directory account from years ago but never signed any proper agreement. Now Cabot have bought the alleged debt and they say in a letter to us:

 

Cabot is legally entitled and obligated under the original credit agreement and under the Data Protection Act to process information and also to report to the Credit Reference Agencies."

 

And they go on to claim:

 

Furthermore, under the original terms of the credit agreement, which you signed with the creditor, you consented to information being disclosed to third parties and CRA's.

 

But earlier in the same letter they admit/imply that they don't even have a copy of the original agreement. So how can they go ahead and process data, making an assumption that we signed something all those years ago?

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