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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Grumpy's son - NatWest CC


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Does anyone know if I can do a SAR request to Natwest Credit card & natwest bank in one go & save myself a tenner?

 

I know that they are separate companies, but at a higher level, there must be a single company, but can I send a SAR to that company & get everything from the others, or will they respond with nothing, because the data is held by their subsidiaries?

 

Grumpy

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Hiya,

 

Yes you can, simply quote both account numbers on the SAR request

 

kind regards,

shane

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All advice is offered freely & without prejudice

 

 

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Thanks for that

 

Does anyone know who Natwest bank & credit card mummy is? (don't think they have a daddy)

 

In a roundabout way I'm asking for the parent company details...

 

Grumpy

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Does anyone know if I can do a S.A.R - (Subject Access Request) request to NatWest Credit card & NatWest bank in one go & save myself a tenner?

 

I know that they are separate companies, but at a higher level, there must be a single company, but can I send a S.A.R - (Subject Access Request) to that company & get everything from the others, or will they respond with nothing, because the data is held by their subsidiaries?

 

Grumpy

 

They would be seperate limited liability / PLC companies, and so seperate data controllers. So i believe you would probably be best off sending a S.A.R. to both, even if they are owned by the same parent company.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Allied International are threatening to take my son to court for a debt - a scary first letter - but they are threatening to go for a charging order against my house. It's obviously a standard letter, but there's no qualification in there like "if you own it".

 

There is no financial association between my son & myself.

 

Is there anything I should do about their threat about the charging order?

 

Shouldn't they be more careful in the way they write their standard letters so that they don't cause alarm & distress to people, especially people that they are not after?

 

I've already had to write to them to tell them that they can't contact my son on my phone (he's away at uni at the moment).

 

Grumpy

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Hi Grumpy

 

This lot are talking a lot of hot air - he doesn't own the house, isn't registered as an owner - therefore, there is no way a judge would grant a charging order. They should be reported to TS and the OFT for breach of debt collection guidelines.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Falsely implying or stating that action can or will be taken wjhen it legally cannot is considered an 'unfair practice' by the OFT. Their Guidelines on debt collection are available in the stickies in General Debt.

 

Unless your son has given express consent for them to deal with you, they shouldn't be doing so.

 

It's unlikely the threat is serious - just the standard DCA threat-o-matic output. However, this dosn't excuse it, so report them to TS and encourage your son to make a formal complaint to them.

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Rather than tell Trading Standards who may or may not do a great deal about it write to these muppets and tell them this has nothing to do with you and ask them to confirm that within 7 days.

 

As a parting shot in your letter ask them for a copy of their complaints procedure - they are obliged to have one because they have a consumer credit licence.

 

If they send it to you - make a complaint. Waste their time for a while. If gthe situation isn't resolved to your satisfaction - ie a grovelling apology from a senior officer or director make a complaint to the Financial Services Ombudsman.

 

If they don't send the procedure make a complaint to the Financial Services Ombudsman! You'll have two grounds for that - the first letter is clear harassment and the second is ignoring a complaint. Just an investigation will cost them £400.

 

Consider going public via the media if you get no joy too.

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Thanks for all the advice

 

I realised that they couldn't take my son to court anyway because they don't own the debt, but Mrs Grumpy was worried by it - she wanted us to get a loan to pay off sons debts!

 

The letter was to my son, but he showed it to us when he thiught that they might be after our house (he wanted advice as well).

 

Sounds like lots of complaints for us to start off. I (or we) will complain to Natwest too, since they own the alleged debt and so are resposible for their muppets.

 

I think that I should be complaining as well as my son as he showed me the letter.

 

Grumpy

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Thanks for the help. I was thinking it might be a bit of sport to wind them up. It's obviously much more.

 

I will write a letter to AIC & natwest demanding that they confirm that they wont be after a charging order .. not sure what to do if they ignore it. Will ask for a letter from MD or co sec - who else would have the authority?

 

Grumpy

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Thanks for the help. I was thinking it might be a bit of sport to wind them up.

I'ld certainly be wanting my bit of fun with something like this!! But that's just me being me!!

 

I'ld also be taking the Trading Standards advice seriously too. ;)

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Regards, Dave.

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Here's the letter that I'm planning to send to AIC. Any suggestions or improvements gratefully received

Dear Sir

My son has shown me a letter from you in which you threaten that, if a debt of his is not repaid, you may start proceedings that may result in a charging order against my house.

My son does not have any financiaal interst in my house. Neither is there any financial link between my son and my wife or myself.

When we saw this, my wife and I were so alarmed and distressed by this prospect that my wife wanted us to take out a loan to pay this debt to avoid this possibility.

I am sure that you will want to take this opportunity to confirm that you will not be attempting to obtain a charging order against our property in relation to my son’s debt, along with an apology and an offer of compensation in respect of the worry and stress that this has caused.

Please reply within the next 7 days.

I expect the letter to be signed by someone with sufficient authority in your organisation for it to be creditable. I would suggest your company secretary or managing director.

Failure to respond will result in a complaint to the relevant authorities for investigation and question your organization’s suitability to hold a Consumer Credit Licence.

Any attempt to obtain a charging order against my wife and my property because of my son’s debts will be vigorously contested and a counter claim made.

Yours sincerely

Grumpy

I will send a suitably amended copy to the bank as well, complaining about their agent's behaviour, stating that they are responsible for what they do

Grumpy

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Here's the letter that I'm planning to send to AIC. Any suggestions or improvements gratefully received

 

Dear Sir

 

My son has shown me a letter from you in which you threaten that, if a debt of his is not repaid, you may start proceedings that may result in a charging order against my house.

My son does not have any financiaal interst in my house. Neither is there any financial link between my son and my wife or myself.

When we saw this, my wife and I were so alarmed and distressed by this prospect that my wife wanted us to take out a loan to pay this debt to avoid this possibility.

I am sure that you will want to take this opportunity to confirm that you will not be attempting to obtain a charging order against our property in relation to my son’s debt, along with an apology and an offer of compensation in respect of the worry and stress that this has caused.

Please reply within the next 7 days.

I expect the letter to be signed by someone with sufficient authority in your organisation for it to be creditable. I would suggest your company secretary or managing director.

Failure to respond will result in a complaint to the relevant authorities for investigation and question your organization’s suitability to hold a Consumer Credit Licence.

Any attempt to obtain a charging order against my wife and my property because of my son’s debts will be vigorously contested and a counter claim made.

 

Yours sincerely

 

Grumpy

 

 

I will send a suitably amended copy to the bank as well, complaining about their agent's behaviour, stating that they are responsible for what they do

 

Grumpy

I would leave out the bit in red and change any reference to debt to ALLEGED DEBT:) :)

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Absolutely agree with ODC, the way these people are, if you put that sentance in, they will start hassling you to take a loan out. DCA's have little morals and even less common sense, hopefully your letter will see them off.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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Hassling me will add to a complaint to the FOS & give me some sport going after these *******s. I've alreay sent a don't phone letter that they have signed for (and they haven't phoned since).

 

I will add "alleged", my son has already asked for his CCA, cheque (mine) already cashed. Mind you, I don't think that I can acknowledge his debts for him - I know nothing about his financial affairs;)

 

Thanks for your comments

 

Grumpy

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To add to ODC's wise words i'ld also add a small paragraph stating that you are also to be furnished with a copy of their formal complaints procedure.

 

This will enable FOS action further down the line should they not see sense.

 

1 more point.. When addressing the letter, make it,

"FTAO Risk/Compliance Manager." And be sure to send it 1st class signed for.

 

Good luck, Dave.

 

If my post was helpful don't forget to click the scales!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

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Well, when I got home I found a letter for my son - AIC are threatening to let the dogs (well lawyers anyway) loose on him. Apparently he hasn't replied to any of their letters. What was the CCA request then?

 

Time for more letters (tempting to add a touch of irony or sarcasm)

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Throw this at them.

 

Formal Complaint

 

Dear Sir/Madam,

 

With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. I enclose a copy for your perusal and ease of reference.

You have failed to comply with request, and as such the account entered default on **DATE**.

 

The document that you 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 your company 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, you are also obliged to send me a copy of that document.

 

As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore, if this non-compliance continues for a further month then a summary, criminal offence is committed.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

 

The lack of a compliant credit agreement is a very clear dispute and as such the following applies.

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

Therefore this account has become unenforceable at law.

 

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

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harrassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully

Be VERY careful whose advice you listen too

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I sent off my letters to the DCA & a slightly modified version to the bank. I did make the suggested changes.

 

I couldn't send CurlyBen's letter because the 2 weeks isn't up yet, so my son sent back a complaint about the exaggerations in the letter (the many letters he had ignored and had not made any payments). Shame about the £1 CCA fee being taken off the balance! how did that happen without replying to them?

 

Grumpy

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Well the 2 weeks is up for son's CCA & there is no sign of it.

 

No sign of a reply to my letter about the charging order threat either

 

Son will let sleepping dcas lie until they send the next letter, but I don't know what to do about the charging order - FOS?

 

Grumpy

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