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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • 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.
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Can I stop a door step collection


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ok then there seems to have been a small oversite here.

 

Provident and Greenwoods are the same company from what i remember.

 

They are based in the same building and my local greenwoods collector is the same person as my local provi collector. She collects debts for eith company on the same days.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Heres another one posted today.......don't think its anything new for Provident, just seems to have found its way on here in the last few days so they may have just decided to run through their old book to try to earn a few bob :rolleyes:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/225947-littlewoods-westcott-provident.html

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Provident Are Licenced for

 

debt Collection

 

 

They Trade As Wiseman Debt Collections

EXPRESS DEBT COLLECTING

greenwood debt collection

 

urm..now i wonder if this is actually legal......

door step collector turns up ... says pay me ...you say i cant...they say would you like a loan to pay off this debt......... bit like paying a debt with a credit card...if dca's cant do that..surely they can't sell a doorstep loan???

 

sorry me thinking out loud...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can just imagine some fella turning up wearing 2 hats (wiseman/provi) and having a heated conversation with himself about clearing his clients debts by offering an all new and improved loan facility.........oh and, that'd be 2000% interest please :rolleyes:

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Hi fight4myrights, I had a similar letter from Provident yesterday and on the very bottom of the letter in the small print there's an address in Bradford hope this helps Bunaki

 

Thanks for the advice. I'm probably wrong but I was told that the registered address was not for Provident but for a place such as their accountants or book keepers & that any correspondence won't actually reach the collections office.

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Thanks for the advice. I'm probably wrong but I was told that the registered address was not for Provident but for a place such as their accountants or book keepers & that any correspondence won't actually reach the collections office.

 

 

The registered address is good enough in the absense of any other in my opinion.

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Correct consumer dude, their waffle states:

 

Provident Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 146091 England. Provident Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

 

Data Protection Compliance Officer

DPA Officer, Colonnade, Sunbridge Road, Bradford. BD1 2LQ, email us at [email protected]

"Always ask for a CCA, Simples".

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Cash loans from 50 to 500 - Greenwood Personal Credit

 

Read the small print at bottom of page

For those that cant here it is.

 

Copyright © Provident Financial Management Services Ltd 2005. Written credit quotations are available on request. Available to UK residents aged 18* and over (*subject to change). Applications subject to acceptance. Calls may be recorded. Greenwood Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford, BD1 2LQ. Registered Number 125150 England. Greenwood Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Credit Today is an online 'industry' magazine that is disgusting, here is the link to them....

 

Credit Today

 

Their new awards list is up and the next ceremony is in November.

 

It isn't owned by Provident at all....

 

Thanks. Unfortunatly no address is shown anywhere on the letter, only a phone number which I'm going to ignore. I'll print off the Statute Barred letter and address it too Provident Personal Care. I'll ensure the "freindly" door step collector gets a copy.

 

As you all know, Provident must have the legally highest interest charge in Britain. I've just noticed the logo on their letter says....

Credit Today awards 09 5 star winner. Home credit provider of the year...

I presume this must be a competition that is run by their own group of companies.

 

Thanks again for all of your help.

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Well then can u tell me why the agents are the same they collect for both companies and are paid by both companys.

 

The sols, ck edrupt, have said that provident own greenwoods and they are claiming in there small print to be owned by provident?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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THANK YOU TO EVERY PERSON WHO HAS OFFERED THEIR HELP. I now have something to fight back with.

 

Thanks, for the info & sorry for the late reply and a "BIG" THANK YOU to everyone who has helped me. I suffer with Multiple Sclerosis & I've not been too well over the last few days, hence my late reply, sorry.

 

It seems to me that Provident are a very underhanded company who prey on the people who need the most help. I think a law should be passed to cap interest rates and perhaps have this company investigated. They are commiting legalised robbery in my opinion.

 

Thanks once again, I hope that I can be of help to someone in the future.

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Credit Today is an online 'industry' magazine that is disgusting, here is the link to them....

 

Credit Today

 

Their new awards list is up and the next ceremony is in November.

 

It isn't owned by Provident at all....

 

 

Thanks for showing me this. I've just looked at the online magazine. It is sickening to think that awards can be given to the best debt collector. You can just imagine their smirking faces when they receive their award for destroying peoples lives. Until today, I had no idea that such a magazine or corporation exists. I wonder if anyone has ever informed the newspapers about this, it would make a great story.

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  • 2 weeks later...
Well then can u tell me why the agents are the same they collect for both companies and are paid by both companys.

 

The sols, ck edrupt, have said that provident own greenwoods and they are claiming in there small print to be owned by provident?

Provident bought Greenwoods some time back. Function as seperate co's though. It does cause some confusion.

If my post helped you feel better, click my scales.

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yep i thought that as far back as 2003. We had the same collector for Provident and Greenwoods then.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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May I offer the following:

 

Have the following text fixed next to your front door bell.

 

"The following does NOT apply to invited visitors with appointment, friends, family, neighbours, emergency services, those asking for directions and postman

 

By ringing this bell or knocking on my door you are requesting informal 'bucket of water' service. Which is especially valuable during hot weather. This service is performed in form of a bucket of cold water splashed on you in exchange for 35£. After the service is provided please kindly leave your billing address so that I can send you a bill for this service.

 

By ringing the bell or knocking you accept the above contract.

 

"

 

Have a bucket of water ready, once they knock ask if they are postman or asking for directions or younger than 18. If not, use the bucket of water on them and than ask for billing address.

 

Works well not only with DCA's but also with all the beggars and salesmen.

 

Could be a good income source on streets popular with door to door salesmen and other door to door beggars.

 

;-)

  • Haha 1

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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It seems to me that Provident are a very underhanded company who prey on the people who need the most help. I think a law should be passed to cap interest rates and perhaps have this company investigated. They are commiting legalised robbery in my opinion.

 

PROVIDENT= DOORSTEP KNOCKERS, OFFER LOANS OR HIGH STREET VOUCHERS, TO PERSONS ON LOW INCOME OR BENEFITS, INTEREST RATES 200%+ THIER PROFITS ARE MADE FROM THE POOR ! LEGALISED ROBBERS INDEED THEY ARE!

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May I offer the following:

 

Have the following text fixed next to your front door bell.

 

"The following does NOT apply to invited visitors with appointment, friends, family, neighbours, emergency services, those asking for directions and postman

 

By ringing this bell or knocking on my door you are requesting informal 'bucket of water' service. Which is especially valuable during hot weather. This service is performed in form of a bucket of cold water splashed on you in exchange for 35£. After the service is provided please kindly leave your billing address so that I can send you a bill for this service.

 

By ringing the bell or knocking you accept the above contract.

 

"

 

Have a bucket of water ready, once they knock ask if they are postman or asking for directions or younger than 18. If not, use the bucket of water on them and than ask for billing address.

 

Works well not only with DCA's but also with all the beggars and salesmen.

 

Could be a good income source on streets popular with door to door salesmen and other door to door beggars.

 

;-)

 

 

Stolen. :D

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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