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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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1st Credit chasing old Citi Loan


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I recently was contacted by the above company, they sent a letter to my place of work!!! I called them and confirmed the correct address and to ask for the CCA and today I have received a letter from them saying that the document is retained by there client - Citifinancial and they have requested that they arrange for the document to be forwarded to me as soon as possible.

 

They go on to say that if my request includes a Deed of Assignment they refer me to section 136 of the Law of Property Act 1925 which says that the debtor is notified of the assignment of the debt in writing and not a copy of the deed. They also point out that Copy Statements are charged at £10. They have said that as soon as it is received I must contact there office immediately to arrange settlement of the debt. What on earth is that about?

 

The first letter they sent to me at work does not say that they have bought the debt, so can I assume that they do not own this debt now?

 

What do I do when I receive the CCA? Where do I go from there?

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Hi DCAhell,

From what i have been reading about worst credit, this is a phishing exercise.Do you know anything of the alleged debt?

If it is yours,you should have received a default notice from citi.

I'm assuming that when you phoned them you gave your home address. Even if it isn't your debt, they will now assume it is and chase you for it.

Once you get your CCA back, post it on here (minus personal details) and the experts here will have a look to see if it is valid.

Don't worry about statements as you could always SAR Citi. that costs £10 for the whole thing not just the statements.

 

fox

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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my experience with these chumps is if your'e new to the 1st crud experience they'll come on heavy and threaten all manner of things that are totally out of their jurisdiction. (bailiffs, attachment of earnings, bankruptcy, Sd's...blah blah blah). DO NOT speak to them on the phone, if they phone you, refuse to answer the security questions, if you can, records all calls. From now on, writing only. If you need any advice on letters received, scan them in AFTER removing personal details AND barcodes (which can be a unique identifier), Don't send a letter to them that contains your signature.

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excellent advice. Far more succinct than i said lol

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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Hi and welcome, you have gone about this all wrong so far.

 

1 Send a CCA request by recorded enclosing a £1 PO do not sign just type.

 

2 Send a letter insisting on a Notice of Assignment, not a deed you are not entitled to that.

 

Do not send them £10

 

Make sure to say in your CCA request that the £1 is only to be used for the statutory fee for the request. tell them you are only prepared to correspond in writing at your home address (everything else will be ignored)

 

Remember the Golden Rules,

 

Do not speak to them on the phone

Dont sign anything (just type your name)

Do not speak to them on the phone

 

The CCA letter is in the templates letter N

 

Post back here with any queries/concerns

 

Regards CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I took a loan out for about £4000.00 with Citi in about 2003/2004 and I missed a few payments when I started a new job that on paper paid me more than the job I had when I applied for the loan initially but less after I factored in travel costs and I struggled to make payments on lots of things at the time and my priority became my daughters and I' living costs. I remember receiving a default notice for about £170 but nothing more. 1st Credit are now saying that I owe them £6899.28, I do not agree that this is what is owed.

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You are entitled, and should insist on a "Notice of Assignment" from BOTH the OC and the DCA BEFORE you even consider paying the DCA anything.

 

Im not sure what your asking re the original copy, you need to say who you CCAd first, the OC or the DCA?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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ccm

 

say a dca is giving you hastle

 

you do a cca request to the dca and ask for a copy of the notice of assignment which you never received from the original creditor

the dca send one on there own headed paper,

as its not a copy from the creditor, are they still in default and can you tell the dca to bog off until they comply

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Hi and welcome, you have gone about this all wrong so far.

 

1 Send a CCA request by recorded enclosing a £1 PO do not sign just type.

 

2 Send a letter insisting on a Notice of Assignment, not a deed you are not entitled to that.

 

Do not send them £10

 

Make sure to say in your CCA request that the £1 is only to be used for the statutory fee for the request. tell them you are only prepared to correspond in writing at your home address (everything else will be ignored)

 

Remember the Golden Rules,

 

Do not speak to them on the phone

Dont sign anything (just type your name)

Do not speak to them on the phone

 

The CCA letter is in the templates letter N

 

Post back here with any queries/concerns

 

Regards CCM

Thanks for that, i will follow that advice!

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  • 3 weeks later...

I have heard nothing more from this company since my original post on 21 November. I have since sent them a recorded delivery formal request for the CCA and the postal order. I am scared that they will try and take further action. What should I do now?

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I would just wait and see what they next throw at you!

So far 2 battles with them; in one, eventhough oh had been paying them, once we requested CCA and then formal complaints procedure, they went quiet and withdrew everything.

The other one has been going on since May; I've had lots of threats and 'may' take actions. They have just asked how much I would pay:rolleyes:. I'm just counting down the 8 weeks before I make an official complaint.

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I would just wait and see what they next throw at you!

So far 2 battles with them; in one, eventhough oh had been paying them, once we requested CCA and then formal complaints procedure, they went quiet and withdrew everything.

The other one has been going on since May; I've had lots of threats and 'may' take actions. They have just asked how much I would pay:rolleyes:. I'm just counting down the 8 weeks before I make an official complaint.

 

You don't need to wait 6 months to make a complaint,once you have had their 'full and final' you can complain directly to the appropriate authorities.

 

You have to love the way they pick and choose which laws suit THEM.....

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They want you to "confirm" a signature BEFORE they send the full agreement??

 

This sounds very suspicious indeed. Are they just asking you to write and tell them that a certain signature is right, or are they actually asking for an example of your signature?

 

What do they want a signature for? If they are unsure of your identity, why are they sending you parts of agreements or application forms?

 

Don't do anything until you are sure of what they want and why they want it. The REAL reason, not the one they say.

 

SH

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Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2007 the contents of which are noted

 

In your letter you make reference to requiring my signed authorisation before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S78 request.

 

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78 was made on xx/xx/2007 and the 12 working days for your compliance expire on xx/xx/2007. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

i look forward to receiving the documentation requested

 

Regards

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