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    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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My lloyds tsb credit card debt


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I had a letter from these fools this morning.We reported Abbey to OFT for breaching our Data Protection and making all our bank details pubilc to a debt company.We are still waiting to hear from OFT and have told Wescot until the investigation is finished we will pay nothing.Wescot say because Abbey say the debt stands they can still collect (which if course Abbey will) Im paying noting and sending them a letter telling them so,I also stated if they continue to phone me day and night I will report them!

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Well Morgan, for using your CCA payment against the alleged debt is a common tactic they like to use, as this will re-set the SB clock (In their tiny minds)

However, what you MUST send them now is a LBA demanding from them that they either send you your request of the CCA, OR they return the payment, if they fail to do either then not only will you report them to the OFT and ICO, but will seek advice with a view to taking legal action against them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I sent them a letter a while back, also complaining that they had clumped the debts all together (although they are being chased by seperate DCAs just like they are doing with mine) - they completely blanked them. I am beginning to feel as if I am going to spend the rest of my natural life complaining about these people! One of the debts they produced a CCA for, and we set up a payment plan with Wescot. Two payments later and it had been passed on to someone else, and it has been to three collection agencies since. I again wrote to L-TSB and told them that I was not going to discuss a payment plan with any of the new DCAs because it wasn't my fault they kept playing musical DCAs - they have ignored that letter too. The only time they respond is to say that our signatures aren't good enough, and that they are sending the data to a L-TSB branch end of story!

 

It is stressful trying to keep up... :-x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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FOS and OFT, pass it to them, and ignore LTSB until they come back with a response. If these fools can ignore you, then you should reciprocate and ignore them back, if they were going to do anything they would have done so by now, I don't know why anyone bothers talking to DCA's, well unless for a bit of fun!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Weirdness continues - L-TSB have now sent my mum two letters detailing full payment history on two paid up loans... surely this is part of her SAR information that they are refusing to send to us due to our "scanned signatures" and are sending to the branch of their choosing for us to collect :???:

 

Weirdness again... L-TSB have sent both the loan letters a second time, with an envelope... no covering letter... no explanation... nothing... are they losing what little of the plot they had left???

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Have you made a formal complaint to Lloyds? If so how far down the line are you with it?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have written to them and complained about their behaviour but they have ignored both letters. We received on from a solicitor on behalf of Apex on Friday, and I sent them a copy of the "This alleged debt is currently subject to a SAR request..." letter, and also sent a copy to Apex again...

 

From your post it sounds as if I should be making a formal complaint, not just writing and complaining... I guess I need to contact them and ask for their complaints proceedure...

 

I really get frustrated with these idiots :x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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If you have a copy of your initial complaint, then copy it and send it to them, and re-iterate, that you now believe their failure to act on your first letter of complaint is indicative of their ignorance, therefore you are now escalating the matter to the second level of their complaints procedure, if they still insist on acting with impunity and ignoring you, their silence will indicate that they cannot deal with your complaint and you will happily escalate the matter to the FOS.

 

A complaint is a complaint, IMO it matters not if you word it formal complaint, they are still bound by their own guidelines to deal with ALL complaints within 8 weeks.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Doing what you suggested Bazooka B, but now Wescot are bombing us with threatograms even though we have told them repeatedly that this alleged debt is under a SAR - it's the old legal action threat now - do I just ignore them or send them one of the "The contents of this letter are valid even if they are not read by you" that these idiots are so fond of???

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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It is probable that all you are receiving is letters generated and spat out by their computer, until it has any human input it will continue to spit out irrelavent nonsense which they believe threatens and intimidates people, keep a diary of events as to their harassment in order to make a formal complaint to the OFT&TS at a later date.

Look at their childish letters and see that they are littered with 'may' 'might' 'could' and the rest of their puerile language.

 

Wetcloths can't read for a start, hence the reason why they ignored your letter, pointless sending the little darlings anything else, unless it is to tell them to go to their rooms and wait for their father to get home!:whip:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Wescot have now passed things on to a solicitor - and there is no may in this letter - reply within 14 days or we WILL take further action... the letter is dated the 14th and we received it today at the new address - the one we never confirmed.

 

Trouble is, my Grandad was in hospital for ten weeks, and for the last few we were rushing back and forth there until he sadly died of hospital acquired pneumonia on the 8th - we have the cremation tomorrow and haven't had five seconds to collect the SAR documentation from Lloyds (have to do it before the end of the month)

 

Lloyds still haven't acknowledged the original letter of complaint - I guess once the cremation etc is over I will have to kick some arse... but in the meantime what do I say to the solicitors - they are Nelson something or other (don't have the letter to hand right now)

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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You have a good case to get this thrown out with the recent bereavement.

 

Nelson Guest as stated are 'solicitors for rent' and have almost as much power as a used lightbulb... they use them when they are loosing the paper ping pong game.

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Nelson Guest as stated are 'solicitors for rent' and have almost as much power as a used lightbulb.
:lol:

 

As useful as indicators on a submarine, a chocolate fire guard, and ashtray on a motorbike, another good line to use against them, as much power as a used lightbulb! Brilliant..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I think it is that bunch... but I still haven't had a chance to look at the letter (will do it tonight - yesterday was emotionally draining, and the hours spent in traffic on the M25 did nothing to help the situation!)... do I need to say anything to the solicitors or do I risk pretending they are tinnitus?!?

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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You can simply write to them stating that at the present time, this trivial matter will receive no attention form yourself for a period of 8 weeks (or whatever you feel is appropriate?) due to a bereavement in your family. If they insist on making continued threats or harassing you within this time period you WILL report them to the Police for the criminal offence of harassment, and seek legal advice with a view to taking action against them and will seek damages.

 

Or you can just ignore them, but IMO I would probably go with sending them a letter just outline that this is not even close to being on your list of things to do.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Well, finally collected the SAR stuff from Lloyds today (and got the ring back!) - they took photocopies of our passports before they would let us take the stuff... there is so much of it I have just stuffed it in a cupboard to not think about over the weekend....

 

The same day we had a letter from Moorcrud... "It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the county court are issued. We believe that this letter fills this requirement even if it is not actually read by you.... yadda yadda yadda" The date to respond is tomorrow "a claim may be issued by solicitors instructed to act on behalf of our client without further notice"

 

Still no response to my complaint letters about Musical Debt Collection agencies... in fact Lloyds seem to be ignoring anything and everything that we send to them... any ideas besides rattling the FO again???

 

Any suggestions... are they saying that they are going to tell Lloyds to take action... or are they actually Lloyds, just in a broom cupboard down the corridoor (bit like Keats in Ashes to Ashes... shame I don't have my own Gene Hunt to fill their office with bicycles!)???

 

Mum is getting worried she is going to end up in court - can someone suggest something... please?

 

Bump... anyone??? Sorry for being a nag...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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I don't know as much as many of the other people here, but it does seem that if it went to court they would have much of a case against your mum, and although "Going to Court" feels very scary, it might be in her best interest anyway.......Lloyds are not responding to your requests for more information, the DCAs are passing this around like a game of pass the parcel without proving they have any right to the debt. You have complained to all the people you can......have you had response from them? The fact that a payment plan was agreed and was effectively cancelled when it was passed to another DCA is not your mum's fault. The weight of the law is on your side, not theirs, and if they could actually chase this debt throught the courts, they would have done so before.....it's been rumbling on for ages!

 

Somebody else will be able to provide better answers, but tell your mum there is nothing to be afraid of from these hideous bullies. They have no teeth.

Today is the tomorrow you worried about yesterday, and all is well!

 

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Thanks for the response... Lloyds are ignoring every letter we send to them with reference to the complaints on the alleged outstanding amounts they are chasing (musical debt collection agencies, using the CCA fee against the account etc) They made us jump through hoops to get the SAR stuff (including sitting in the branch for over half an hour while they searched through the safe for it)... I haven't even started looking through it yet (not sure what I should actually be looking for if I am perfectly honest)... Westcot have even offered to come round and collect our doorstep on the other alleged Lloyds debt - I can't keep up with who is supposidly collecting what for who... we have a whole concertina file just for this junk... I feel my head may explode... guess it is back to the FO and ask them to act... :o/

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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It is a big mess, and also a headache. We have had an ancient debt resurrected and it is a total nightmare, so I empathise.

 

As this is not your debt, you may be able to be a bit more objective about it (the problem we have is with an old business account of my hubby, from before we met)

 

What we have done is to sort all the paperwork out into date order so we can see the proper trail of everything that happened. It is time consuming, but I have to say I felt better once we'd done that. It means you are reading through things and getting to grips with what you need to know.

 

I know that if it was my Mum in this scenario she would not have the first idea how to deal with it, and it would be me and my siblings having to sort it all out, so I really do empathise. As I said before.......don't allow them to bully you. You are in control of this, not them, and there is nothing the DCA can do UNLESS it goes to Court.

 

You really do need to sort out the bundle of stuff from Lloyds......sort it into date order and try and seperate the two accounts. Look for when payments have been made, what agreements are on paper. Once you have it in order, you will then know if there is information there about who now owns the debt(s). If the DCAs are "acting for" LTSB, then deal directly with LTSB. If the debt has been sold, you need to see the Notice of Assignment (NOA) to prove the DCA has the right to collect the debt.

 

If they decide to take this to court, there is time to put a defence together. The guys on here are fantastic. I only know what I've learnt this week!

 

Take care, and let us help you to help your mum

 

Sarah

Today is the tomorrow you worried about yesterday, and all is well!

 

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Thanks Sarah... I have already taken on Barclays for her and won, now I have to take on Lloyds, as well as dealing with them for my two alleged debts as well... sometimes I could quite happily have a bonfire!

 

Will sift through the paperwork... with the cat's help!

 

:)

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Don't know whether this helps anyone, but I originally got the "is this you at this address" letter off Wescot. I never replied, then got a demand for payment blah blah.

Cut a story short, I have had all the same exact letters as you have had Morgana, yet I've not even replied again after the first time. The original demand I just asked them to prove I owed it, and since then just a natural progression of letters up to Nelson Guest offering a 50% reduction. I dont acknowledge anything anymore.

 

What im saying I suppose is don't worry about it, and may be time to not reply at all until you get your request fulfilled.

My letters have all arrived within 8 weeks, and been used making paper Machier models for the kids.

The more you reply now on in, the more they will carry on without progress me thinks

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:lol:

 

As useful as indicators on a submarine, a chocolate fire guard, and ashtray on a motorbike, another good line to use against them, as much power as a used lightbulb! Brilliant..

 

There as dim as candles with wicks that wont burn

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