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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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Cabot Dont Except Fee For CCA


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Yes. Then see what happens. If no agreement by then then put the account in to dispute until one is produced (if it can be of course) ;)

Edited by DDWales
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  • 1 month later...

Hi all, have just received this from Cabot.

Sent account in dispute letter 3rd August 2009 ( 1st recorded ) and today have received this back from them, also have just received letter from shop direct (kays)another debt being dealt with by Credit account managers ,stating they cannot find agreement, and as this ( great universal ) account was opened at same time, i doubt that they have agreement for this one either anyway ,this is the letter.

What do you think ???

have they got a right to update CRA ?

thanks.Steve

 

cabot_0001-1.jpg

 

cabot_0002.jpg

Edited by littlefatbudha
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Hi Seminole, the account balance was about £90, but the default amount showing on experian is £192.90, also have found some old statements which include charges, so i feel this is adverse, what would you suggest i do, thanks, is there a letter which can be sent? Steve

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  • 1 month later...

In regard to the letter above , cabot have now stated there is no CCA for the account but they have a legal right to update CRAs, i already new there was no CCA , as with all catalogues you never had to sign anything, just call them up ask for a catalogue and order over the phone.

if they would have excepted the offers that i could afford then shop direct would of been paid off by now, but because they were rude and did not listen, they shot themselves in the foot.

How can they state that they have a legal right without there ever being a CCA between mysel and shop direct.

Cabot state they own the debt, even though i never received termination, default, or notice of assignment, to which Cabot state they sent notice of assigment, and they say it does not have to be by registered post.

Also they state they are entitled to charge interest, as stated in the original agreement, even though if there was an agreement it was 0%, can i take Cabot to court, seeing as there is no notice of assignment ,CCA, default or anything else, i want to make Cabot pay for their LIES

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  • 2 weeks later...

hi guys, just an update, cabot have sent the letter below, to which they state, "that they purchased the account in july 2008, and also that shop direct have not come up with CCA", no suprise there , never received one, just got catalogue and placed order over phone, no need to sign or agree with anything.

Anyway as they state they purchased the debt to which( i received no notice of assignment) do they have any legal right to be updating CRA's and could they still send notice of assignment letter, even though they have been updating CRA's for over a year.

Is there a letter to send and if they do not comply , i would like to take them to court,many thanks.

 

IMG-4.jpg

Edited by littlefatbudha
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These clowns are taking the p**s. If they can't produce the credit agreement how exactly can they show there was a debt to assign?

 

I'd be tempted to write back telling them in no uncertain terms that unless this is rectified very quickly the next communication they receive will bear a court seal.

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Thanks for the replies, i just have a few questions.

Have these two companies broken the data protection act by:

1) shop direct selling the account with no notice of assignment.

2)cabot updating CRA's with no signed agreement, or any lawful notice of assignment.

3) on a shop direct agreemenyt i was sent for another account opened at roughly the same time,(no signatures,this is what it would have looked like,blah,blah) it does not state anything regarding, using data, for updating CRA's etc.

4) in the terms and conditions, on another page,not the side that would hold signature, it states, "we may transfer all of our rights, duties and obligations, under this agreement to any person or arrange for anyperson to carry them out on our behalf, without giving you notice.Any such transfer will not affect your rights under this agreement, or any other legal rights you may have, such as under the consumer credit act 1974.

You may not transfer your rights,duties or obligations under this agreement.

5) i do not give permission for either to be using my data.

Have i got a case against either company involved,do you think.Thanks.

Edited by littlefatbudha
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See the bits in red

 

Thanks for the replies, i just have a few questions.

Have these two companies broken the data protection act by:

1) shop direct selling the account with no notice of assignment.

 

If they tried to take you to court, they would have to prove they sent it

 

2)cabot updating CRA's with no signed agreement, or any lawful notice of assignment.

 

The Information Commissioner has said that because they can prove the link between you and SDG (statements) they can update your credit file even though there is no signed agreement. They only way I have seen so far to get the info removed is to go to court.

 

3) on a shop direct agreemenyt i was sent for another account opened at roughly the same time,(no signatures,this is what it would have looked like,blah,blah) it does not state anything regarding, using data, for updating CRA's etc.

 

If it's not in the T's&C's then I don't think they can do it

 

4) in the terms and conditions, on another page,not the side that would hold signature, it states, "we may transfer all of our rights, duties and obligations, under this agreement to any person or arrange for anyperson to carry them out on our behalf, without giving you notice.Any such transfer will not affect your rights under this agreement, or any other legal rights you may have, such as under the consumer credit act 1974.

You may not transfer your rights,duties or obligations under this agreement.

 

This is true IF the DCA are collecting on behalf of the OC but if the account is sold to a DCA that is a different matter

 

5) i do not give permission for either to be using my data.

Have i got a case against either company involved,do you think.Thanks.

 

If you want to get legal, yes

 

Check out sections 136 and 196 of LoPA 1925

 

Law of Property Act 1925 (c.20)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Have they broken the data protection rules, by processing data about me, without legally owning the account, as by not receiving notice of assigment, sent by required terms, and never received one at all.

Would this be enough to have them taken to court, and would they receive a fine for this as well.

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Have they broken the data protection rules, by processing data about me, without legally owning the account, as by not receiving notice of assigment, sent by required terms, and never received one at all.

Would this be enough to have them taken to court, and would they receive a fine for this as well.

 

You could take them to court for disclosure, then they would have to prove a NOA was sent but they wouldn't get a fine.

 

If you complained to the OFT they would add it to their (growing) list of complaints and eventually investigate.

 

You could complain to the FOS but you need to have exhausted Cabot's complaints procedure first.

 

I SAR'd Cabot and they sent a very comprehensive set of account activity and it showed dates of letters sent. I'm still trying to find out which one from the codes supplied.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 1 month later...

Have sent Letter Before Action, this is their reply, it also states in the letter store card, this was not a store card it was a catalogue.

I am going to need help with POC as i feel that not ever receivindg default notice, or notice of assignment, they dont have any right to process my data

I also like the bit at the end of this letter, it was assigned on or about ** ** 2008, they dont even know the date.

Am i right if i report them to the FOS they will have to pay £400 for the investigation.Please help.LFB

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