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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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.
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Tesco Loan (Incasso)


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Hi there - 1st post so please be gentle if I do anything wrong!

 

I took out a (£10k+) loan with Tesco in Nov 08 and due to reducing workload etc was unable to pay from June 2009.

 

I have tried to sort this out with a self-managed DMP until I can source more/better paid work but this isn't happening just yet! (in fact work is getting harder to find!)

 

Anyway, had several letters etc from Tesco and then received a default notice in August at which time the account was passed to Triton.

 

I have made 2 or 3 payments to Triton depsite them pretty much ignoring my letters.

 

I had a letter from Incasso on 27th October giveing me 14 days to either pay in full or make an arrangement; I wrote them giving them a copy of my offer letter to Triton and a further cheque which they have cashed.

 

On Saturday (14 Nov) I received a CC claim form (Northampton)!!

 

So, I assume they will continue the process and try and obtain a charging order and although I can live with a CCJ I would really like to avoid the CO. We do have a little bit of equity in our house but not very much. We also have a young daughter so I doubt they would manage to force a sale?

 

As the loan is post April 2007 and also quite recent I feel there is little point in going down the CCA or SAR route?

 

To be honest I accept I owe the debt and although I am a little dissappointed at the speed they have taken to choose legal action I can quite understand it! So, I understand that if I admit the claim on the CCJ it will be far harder to avoid the charging order later on?

 

How can I defend the claim when I know I owe the amount?

 

I have a couple of thoughts and would appreciate some help.

 

1. The default notice shows the total amount due (over the full term) and then offers a rebate in interest in line with a redemption statement. The CC claim form is for the total amount due (ie 4 years interest front loaded on the amount borrowed) - is this correct.

 

2. The total amount claimed is wrong as a couple of cheques sent to Triton (and have been cleared by my bank) have been missed, so the balance is slightly overstated.

 

All advise gratefully received............

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You need to go online and acknowledge the case and it will thena llow you 33 days to submit a defence.

 

Have you got a copy of the Default Notice you can post up on here so people can have a look?

 

Also can you post up the POC?

 

There may be charges on the account, the DN may be defective so worth while defending and getting a CPR letter off to them asking for info. if you can post up the DN and the POC we can take it from there

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Thanks Pipster,

 

The POC reads:

 

"The claimants claim is in respect of monies due persuant to an account maintained with the claimant.

 

and the amount the claimant claims:

 

£15,xxx.xx"

 

Default notice as follows:

Edited by FightToTheEnd
remove DN
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1st Aug was a Saturday so giving 2 working days for it to be served would be weds 4th so they have allowed 14 days to remedy the breach. This is if they sent it first class which they will claim they sent it first class.

 

The CCA is prob ok if it was taken out in 2008. You need to get a CPR letter off to ask for info as they may not have a copy of the DN as alot of lenders dont keep them. With my case with NR they have on the POC when it was sent and the date of the remedy they havent got that on yours.

 

You need to get a CPR letter sent off. I'll post one up in a moment. There maybe charges on the account

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Right get this sent off tomorrow by recorded delivery so you have proof they get incase they ignore it.

 

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

CPR 18 - REQUEST FOR INFORMATION

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

 

 

1.1 If copies of any of the above documents are to be relied on in court rather than originals, a copy of the Notice of proposal to adduce hearsay evidence required under s2(1) of the Civil Evidence Act 1995 together with proof of the authenticity of the document(s) as required under s8(1)(b) of the Act, including but not limited to:

 

(a) a copy of the procedure(s) used for copying, storing and retrieving documents

(b) a copy of the relevant log entry showing the time and date of the scan or copy, the name of the member of staff making the copy, the method used for copying, storage and retrieval and time and date of destruction of the original document(s)

© copies of internal and external audit reports covering the entire period from the date of the copy to the present to demonstrate that the procedures have been complied with

(d) copies of Quality Assurance accreditation certificates covering the entire period from the date of the copy to the present to demonstrate that the procedure(s) and audit process(es) comply with the appropriate quality standards

 

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

c. .Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

d. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

e. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

f. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

g. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

h. Copies of statements for the entire duration of the credit agreement.

 

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

 

Their POC seems vague to me and doesnt have alot down. They may not have the DN on file. Its up to them to prove they sent it and what was in it. Don't give up until you explored all avenues.

 

Post up when you have a reply and we can look at it again. In the meantime other people may be able to help too

 

Also try and do alot of reading of other threads, do a search and you will prob find someone in the same boat as yourself

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Hang in there Fight. It's surprising what comes out during these processes and the support you'll find on CAG will certainly put you more in control of the outcome then you'll believe at this stage. Still a 'newbie' myself but learnt sooooo much on here and still learning.

 

Good luck with this and i'm also subscibing to this thread and hope to help at some stage.

 

I also started on here after defaulting on a loan (post 07) but it's made me start looking at everything else too.

 

Very best of luck and i'll be watching with interest.

 

M

Edited by MandM
Spelt Fights name wrong - how rude lol

 

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Defend all. All will come clearer later when the legal bods on here have seen your paper work.

Some very early advice I had on here are that there are only 3 rules.

1. Make them prove you owe the money.

2. Make them prove you owe the money

and

3. Make them prove you owe the money :D

 

m

 

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Some good advice from MandM, thats exactly what I was getting at make them prove that you owe the money and they have fully followed the law they have to. Sending out the default notice, giving you the right time to rectify it. Making sure the credit agreement is compliant.

 

The Consumer Credit Act is there to protect the consumer. i.e. you

 

I'm going against N.Rock for a loan taken out in Jan 09 that apart from a defective DN I didn't think I had a chance of winning. I requested info from a CPR 18 request and now they are asking to change the POC to what only seems to me as an error on their parts but helps me out. Have a read of the thread

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/226180-pipster-n-rock-unsec.html

 

Like MandM I'm a bit of a newbie too with it but because I've been dealing with my own cases I've been reading alot of threads to help me, I have learnt so much of how how these debt collection agencies and lenders act against people like you and I.

 

You will also get advice from people who know alot more than me but until you have all the info they will say to ask for it first to have all the facts of what Tesco are going to use against you.

 

Once we have all the info we can all look at what will be the best way forward for you.

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Just looking over the default notice again and I see it says they require the net amount (ie £12K) to be paid, by court order if neccessary. The CC claim if for the total amount? Does this make it defective?

 

Not sure. I think your loan is structured differently to mine. I'm sure someone knowledgeable on DNs will be along soon to comment.

 

M

 

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Had a reply, not that it's particularly interesting but I suspect they may go over the 14 days to respond? I take it I would submit the standard "embarresed" defence if this happens?

 

Would still appreciate thought on the differing amounts on claim and DN if anyone knows please?

 

IncassReply.jpg?t=1259003516

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Hi Flight,

 

Had a reply, not that it's particularly interesting but I suspect they may go over the 14 days to respond? I take it I would submit the standard "embarresed" defence if this happens? YES and make sure it's on time.

 

Would still appreciate thought on the differing amounts on claim and DN if anyone knows please?

 

 

I too wasn't getting a lot of attention on my DN so in the end I posted it on a thread discussing DNs and got the info I needed which was this one (i think) http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html . Also, this one looks pretty informative.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices.html

 

One of the best CAGerss on here that i've come across on DNs is Undercover-Elsa who is very up to speed it seems so may be worth grabbing her attention if you can

 

M

 

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  • 2 weeks later...

Hello again!

 

Well CPR18 sent to Incasso who acknowledged it and said they had forwarded to thier client to respond. Nothing further received so now time to file an embarassed defense.

 

Do I also make note at this point that I feel the DN is faulty (not enough time) or do I leave this for an ammended defence once I get the requested info?

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Do I also make note at this point that I feel the DN is faulty (not enough time) or do I leave this for an ammended defence once I get the requested info?

 

I'd save that for the defence, will be interesting to see what they produce in the meantime ;)

 

M

 

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