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    • I would say so yes but ofcourse only in the years the charged it not running till today.
    • please complete this:     and scan up the PCN bothsides to one multipage pdf read upload   dx  
    • Must satisfy POFA if they want to ground Keeper Liability, so no Keeper liability, their RoboClaims always try to sue both as if they can jointly and severally, but the Courts should be looking at the was Driver or Keeper and chuck the claim out for being vague, but they don't  They might if POFA fails and they know they are onto a loser, might have a last gasp and try to rely on Elliott v Loake a criminal case so not applicable to a Civil claim, and CPS v AJH Films, again not applicable as is about employer/employee, they will do this to try to get someone to cough up before a case they know they are going to lose to salvage what they have already paid ou to go to court.  I would delete the  line   As the keeper of the vehicle, I decline as is my right to name the driver (s) at this time"  That is an oblique reference to the duty to name driver in a Criminal case, and is the Elloitt v Loake scenario.   Others will have better ideas, but lloking decent.
    • Good morning request sent off yesterday to moriarty law  but today got this load of tosh  Combine Jul 17, 2019.pdf
    • In response to your question, I have a copy of the title deeds showing ownership and also the leases. No idea what to do with that info though!   I should be most grateful if you would review the attached brief draft defence on page 1. The page 2 thoughts are a work in progress.   The POFA point is weak in my opinion, but having read a lot of analysis of the requirements, I haven't managed to come up with anything beefy.   I should be grateful for any ideas on that, as it seems like a failure to follow procedure would be a strong defence.   Also it asks for the driver's details on the PCN and then the claim states the Defendant was the registered keeper and/or driver, but I don't really understand whether there's a point of defence there.    DRAFT DEFENCE 1)      The claimant has failed to prove that VCS had a contract with the landowner (The West London Property Corporation Ltd.) in August 2015, and therefore failed to show either a legitimate interest in controlling parking at the Berkeley Precinct, or the authorisation to make charges on their own behalf, for any overstay in the carpark, including for first-time offenders (relevant to Tesco lease). (no response to CPR 31.14 request delivered and signed for at 10.32a.m. on 9th July) 2)      The claimant has failed to prove that VCS obtained a planning permit from the Sheffield Planning Department under the Town and Country Planning Act 2007 (also requested in my CPR 31.14 letter) and that there were prominent signs in existence at that time, showing clearly the terms and conditions for parking and the charge payable for any breach. Therefore, the three elements of offer, acceptance and consideration required for a contract were not met, and no contract existed. 3)      The claimant failed to issue the PCN in the timescale required under the Protection of Freedoms Act 2012 for keeper liability and, allowing for the 2 day delivery time afforded to Royal Mail, it arrived a day later than the 14 day deadline. The parking company has not met the keeper liability requirements and therefore keeper liability does not apply. The parking company can therefore only pursue the driver. As the keeper of the vehicle, I decline, as is my right, to provide the name of the driver(s) at the time. As the parking company have neither named the driver(s) nor provided any evidence as to who the driver(s) were, I submit I am not liable to any charge.    
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JC99

RBS CCA Valid or not? Please help

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Hi all,

have been following the site for a while and using all the great advice to send CCA's to RBS and MBNA(seperate thread). On requesting the CCA from RBS with the standard letter template and hearing nothing I sent 2 subsequent letters declaring the account in dispute. I then received a letter and documents as attached RBS let 1 1 to RBS let 1 10(attached). After several phone calls were I declared the account in dispute i then received letter 2 (RBS let 2 1 and RBS let 2 2 attached).

From the first letter received is it correct that the account is not in dispute and from the second letter what would now be my next course of action.

I greatly appreciate any advice anyone can give,

 

many thanks

JC99

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Hi all,

have been following the site for a while and using all the great advice to send CCA's to RBS and MBNA(seperate thread). On requesting the CCA from RBS with the standard letter template and hearing nothing I sent 2 subsequent letters declaring the account in dispute. I then received a letter and documents as attached RBS let 1 1 to RBS let 1 10(attached). After several phone calls were I declared the account in dispute i then received letter 2 (RBS let 2 1 and RBS let 2 2 attached).

From the first letter received is it correct that the account is not in dispute and from the second letter what would now be my next course of action.

I greatly appreciate any advice anyone can give,

 

many thanks

JC99

 

Could you scan and post the agreements?


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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I have the docs scanned but am having trouble attaching( Iam new to this), I am doing something obviously wrong but cannot see it - any ideas

thanks

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I have the docs scanned but am having trouble attaching( Iam new to this), I am doing something obviously wrong but cannot see it - any ideas

thanks

 

 

You could download your docs to photobucket, then copy and paste on to this thread.

 

Paul


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Here is a photobucket how to I stole :D

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

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Paul, Silverfox

 

many thanks for the fast responses. Hopefully the images below show the CCA info received from RBS. Do you think this complies or do I still have a case? I am getting texts now saying I must ring them immediately. Hope someone can help/advise.

 

RBSlet11.jpg

RBSlet12.jpg

RBSlet13.jpg

RBSlet14.jpg

RBSlet15.jpg

RBSlet16.jpg

RBSlet17.jpg

RBSlet18.jpg

 

RBSlet110.jpg

RBSlet22.jpgIMG]

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Paul, Silverfox

 

many thanks for the fast responses. Hopefully the images below show the CCA info received from RBS. Do you think this complies or do I still have a case? I am getting texts now saying I must ring them immediately. Hope someone can help/advise.

What should my next course of action be now?

RBSlet11.jpg

RBSlet12.jpg

RBSlet13.jpg

RBSlet14.jpg

RBSlet15.jpg

RBSlet16.jpg

RBSlet17.jpg

RBSlet18.jpg

 

RBSlet110.jpg

RBSlet22.jpgIMG]

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Here is the second letter received from RBS

 

RBSlet21.jpg

 

RBSlet22.jpg

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Seems they have just sent generic copies of agreements and so are still in default of your request. I would send them something like this - AMEND TO SUIT:

 

 

Dear Sir/Madam,

 

Re Account: xxxx xxxx xxxx xxxx and my request under the Consumer Credit Act 1974

 

ACCOUNT IN DISPUTE

 

Thank you for your letter dated xx 2009, the contents of which are noted.

 

Your attention is drawn to the fact that this account is subject to a serious dispute. On xx 2009 I requested that you supply me with a copy of the original signed credit agreement covering this account pursuant to the Consumer Credit Act 1974 section 78. Your response to me on the xx has failed to comply with my request. Without production of the alleged agreement I am unable to assess if I am indeed liable for any alleged debt to xx, nor does it give me any chance to evaluate whether any original agreement was ‘properly executed’ as required by the Consumer Credit Act 1974.

 

For the avoidance of any doubt I have included section 78(1) and 78(6) of the Consumer Credit Act 1974, which states…

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

Clearly as no agreement was supplied on request, this in no way complies with the requirements of the Consumer Credit Act 1974 and I now draw your attention to section 78 subsection 6 which states If the creditor under an agreement fails to comply with subsection (1) he is not entitled, while the default continues, to enforce the agreement.

 

Clearly this is a situation as described in S.78(6) Consumer Credit Act 1974 and the debt is unenforceable at this time. In addition, I draw your attention to section 127 (3) Consumer Credit Act 1974 which states:

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the consumer credit act 1974 the agreement cannot be enforced.

 

To clarify S.61(1) states:

 

(1)A regulated agreement is not properly executed unless:

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

© The document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.

 

In addition the prescribed terms referred to in section 60 CCA1974 are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following :-

 

1.Number of repayments;

2.Amount of repayments;

3.Frequency and timing of repayments;

4.Dates of repayments;

5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Therefore based upon the Consumer Credit Act 1974 this debt as it stands is unenforceable and should this proceed to litigation, a court is precluded from making an enforcement order under section 127(3) unless a true copy of the signed agreement is produced.

 

At the point where this account entered into the default situation as described in s78 (6) CCA 1974 no other charges are allowed to be added until such time as xx become compliant with my request. As xx are still not in compliance with my request I insist that the following takes place with immediate effect:

 

All entries which refer to missed payments be removed from my credit file.

All collection activities cease with immediate effect until CitiFinancial comply with my request from date xx 2009.

 

In addition, I draw your attention to the Office of Fair Trading’s guidance on Debt Collection:

 

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states:

 

2.6 Examples of unfair practices are as follows:

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

What I Require:

I require that you send me a true copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement is in existence I require written clarification as such. May I respectfully suggest that in the obvious absence of a legally binding agreement as outlined above, that the balance on this account be returned to zero, and all liabilities discharged and any entries which refer to missing payments be removed from Credit Reference Agencies to whom you report.

I require that you comply with my request within 14 days of the date of this letter. I will not correspond any further with you until I either receive a copy of the requested documents as laid down in section 78(1) CCA 74 or clarification that such agreement doesn’t exist. I am advised that should you persist in pursuing this debt ignoring the above information you will be in breach of the Administration of Justice Act 1970 section 40 as well.

No other correspondence will be accepted.

Should you attempt litigation it will be vigorously defended and the failure to supply documentation under the CCA 1974 is a complete defence to any legal action and your actions will be vexatious and unlawful.

I trust this out lines the situation.

 

Yours faithfully,

JC99

 

 

............................................

Please, if you use this letter be carefull to edit accordingly - there is nothing so amateur as to leave xx's in - its a bit of a give away.

Someone more experienced may want to confirm this is the right type of letter to use in the circumstances.

Best of luck!.

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All,

 

Have received the following from RBS and have checked my credit rating which is now in tatters. I really don't know what to do next, do i arrange to pay them or am I still on the right track?

Any help is much appreciated.

On another claim with MBNA they told me today that s78 is no longer valid - is this correct.?

Thanks

 

Document-1.jpg

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