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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.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
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Mevsthem vs Halifax cca advice


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Hi, First let me say what a wonderful site this is. So much information in one place is great. I am currently starting with the request for cca's from 2 credit cards I have had with the halifax since 1999. After reading the addresses for the Halifax I am still unsure where to send these requests to, regarding not sending to a P.O Box for recorded delivery purposes and also I am under the impression that I should not sign any of these requests, Is this the case ?

Many thanks in advance and I keep you up to date as the case unfolds.

Regards

Edited by maroondevo52
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Hello and Welcome,

 

Send your CCA requests to........

 

 

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

 

Send recorded, with a £1.00 postal order and yes, don't sign it.

 

Regards.

 

Scott.

Edited by maroondevo52
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

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Hi all, After reading hundreds more posts on the forum I am a little worried that I have sent my cca requests off wrong. I have sent the cca requests off using the letter template on the 3rd of june and they have been delivered. The thing that worries me is that I have not signed the cca request as people say but I also have not printed my name in pen ( just done done it on the computer). Also I have sent the postal orders off without them having a name on them. I am now worried that they may just send them back as being incomplete. Could anyone please advise me if I have done this wrong or am I stressing for nothing.

Also yesterday I recieved a letter saying my interest rate is going up to 27.95 % variable when im sure when I took the card out it was supposed to be 17.9 % for the life of the card, can they do this ?

I have had these 2 cards with them around 9 years and have always paid the minimum, never defaulted and previously remortgaged to pay them off. What a great help they are.

Many thanks in advance for any help recieved and like you say the more posts you read the more you learn

Kind regards

brooky

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Hi, Just recieved a reply to my 2 cca's today and just wondered if anyone could advise me what to do regards this letter which I have recieved for both my credit cards with the bank. I have not recieved any agreement or even a application form. All that they have sent me is a printed terms and conditions which looks like its just been typed up and this letter in both envolopes. Dont know if its just to warn against any action or what. I Have also requested a SAR too and was wondering if I should wait or reply to this letter.

They have not sent me anything with any signature on at all.

Any help would be greatfully recieved

many thanks in advance

 

 

http://i386.photobucket.com/albums/oo308/faulty500/consumer%20credit/halifaxletter.jpg

Edited by brooky25
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Dont know if anyone has posted this, but this is an interesting read

Crackdown on debt loophole swindlers | This is Money

 

well firstly, the police CANNOT "look into" credit agreements- they have no authority although they may "look into" some of these dodgy customers

 

the rest is just one sided bull**** from the banking industry in a desperate attempt to convnice the great unwashed not to jump on the bandwagon

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Well, with the help of this site all can be done without these companies, I am in the process myself. I would rather donate to this wonderful and helpful site than pay one of these companies, which is what i will do as soon as my finances are in order.

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  • 3 weeks later...

Hi All, just updating my situation so far and wondered if anyone has any advice regards what I should do next. Sent for SAR on both my Halifax visas and my bank account and all that they have sent me is the statements of the three accounts and no signed agreements, well nothing else but the statements. After cca on both visa accounts I received the standard letter and copies of terms and conditions, No agreement.

So on the 15th June I sent a formal notice - account in dispute letter stating that the account enters default on the 19th June.

I have heard nothing until today. Opening the post this morning I have a letter from them stating that they have suplied me with a copy of the agreement and attached is a visa card application form that i signed in 1998. The other visa I have still not had a reply from them. The strange thing with this letter is the dates. I will scan the letter and application form for you to have a look at. Please could someone help as to what to do next. At this time I am just managing to pay the repayments but not for much longer

Any help would be greatly appreciated

regards

 

http://i386.photobucket.com/albums/oo308/faulty500/kirton/classicreply.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/kirton/applicationclassic.jpg

Edited by brooky25
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I'd say that they have sent you an application, which doesn't have the prescribed terms on the signature page. You could write back with a letter along the lines of this one - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

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I'd say that they have sent you an application, which doesn't have the prescribed terms on the signature page. You could write back with a letter along the lines of this one - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

 

hi can i try to confirm one point

 

i am aware that the prescribed terms must be within the 4 corners and this of course includes the reverse if referred to

 

whenever i see reference to an application form i note that the poster suggests that the prescribed terms must be on the signature page

 

is there a different rule for the prescribed terms when included on an application form?

 

cheers

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Hi, Many thanks 42man for your help and advice. I am in the process of writing a letter along the lines of what you advised. I have been offered a little help from my parents to help me get rid of these debts and was wondering if now is the time to offer a full and final settlement, or should I wait and see what reply I get to this letter first.

 

With regards to my other card, over the weekend I recieved a reply to my dispute letter which looks like an agreement, but again I am a little confused as to whether it is enforcable or not. It does have t&c on the reverse which I have posted. Could someone possibly take the time to have a look and possibly advise me on where I stand regards this agreement. I really need to get these cards sorted out as I cant see a way out when my interest is £30 more than my minimum payment.

 

Many thanks again and your help is greatly appreciated

regards

b

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement1-1.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement2-1.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/letterwithagree.jpg

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Hi... CCA in post 18 is the same has mine and many others on here...Firstly there is no reference on the front of the doc to say the Tand Cs are on the reverse No overleaf no page numbers and no codes that match.Also on the front of the doc it says you have received a copy of and are bound by the Conditions of use ...Which avers to the T and C beeing in another document..Ive not paid halifax a bean in 16 mths ..i also have an invalid DN..:)

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Hi, Many thanks 42man for your help and advice. I am in the process of writing a letter along the lines of what you advised. I have been offered a little help from my parents to help me get rid of these debts and was wondering if now is the time to offer a full and final settlement, or should I wait and see what reply I get to this letter first.

 

With regards to my other card, over the weekend I recieved a reply to my dispute letter which looks like an agreement, but again I am a little confused as to whether it is enforcable or not. It does have t&c on the reverse which I have posted. Could someone possibly take the time to have a look and possibly advise me on where I stand regards this agreement. I really need to get these cards sorted out as I cant see a way out when my interest is £30 more than my minimum payment.

 

Many thanks again and your help is greatly appreciated

regards

b

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement1-1.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement2-1.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/letterwithagree.jpg

 

the printers code on the bottom left (vertically printed) of the applciation form is 08/00

 

the printers code on the top and bottom of the T & C's is 10/00 (as far as i can see (like mine)

 

that would suggest two separate documents!!

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Many thanks for looking over it for me, I too noticed the code was different on both sides just wanted to make sure. Feel a bit more positive now I know other people have same dodgy looking documents. Would you suggest sending the same letter that 42man has posted as guide for my other card in post 14 and stating the issues I have with this agreement, or is there another template letter which is more suitable ?

Once again thank you very much for your advice

regards

b

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i have had a quick look at the cca and i would make this comment

 

it does say quite clearly that you have recived a copy of conditions copy enclosed.

 

THEY SAY COPY ENCLOSED, WHERE THE TERMS ON HERE, CANT BE IN ANY OTHER DOCUMENT.

 

REGARDS LILLY.

 

 

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Hi LW

 

im intrested to know what you mean has i have the same CCA..the way i see it is halifax say you have received a copy and are bound by The conditions of use..Doesnt that aver to them being in a different doc?? If so..ours are on the reverse..Also on the front of the doc it has cancellation rights..on the reverse it has cancellation rights which are diff from the ones on the front ..Im sure you wouldnt have 2 cancellation rights on one doc, spech being both different :)

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  • 2 weeks later...

Hi, well had a reply from letter for my classic card today. Sent them this letter after recieving an application form

 

Dear sir/madam

 

Thank you for your response to my request under the Consumer Credit Act section 78.

In your response you confirm this as a true copy of the original agreement executed by yourselves on the 08/July/1998.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any (prescribed terms / signature) means that a court would be prevented from enforcing it under s127(3).

 

I am granting to you a further 21 days to produce a copy of an executable agreement. After that I will consider that the above account is closed and that you will no longer pursue the alleged debt.

 

After this period you should close the file and cease processing any personal data relating to me on this matter.

 

Yours faithfully

 

 

And guess what, same standard letter saying they have fulfilled obligation and they have sent me a copy of the application form again. Me thinks this is all they have so think its time to stop minimum payments, what do you think ?

 

Sorry if its confusing I have 2 cards one a classic and other on gold card

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