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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.
      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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Since my financial situation became difficult in summer of last year you have all been incredibly helpful and in a lt of ways have shown me the way with dealing with credit cards and loans and I now feel far more confident in dealing with these people and I am keeping them at bay succesfully.

 

The reason that my particular house of cards came tumbling down was that my bank Nat West decided to reduce my overdraft by a third which meant I could no longer pay the monthly bill on my NatWest Premier card which meant that I could not pay other commitments and so on.

 

The upshot of it was that I owe the bank a considerable amount which at the time I provided an I&E and an offer of payment in collaboration with CAB. They ignored me until now and are demanding the full amount and have passed the debt to a company called Tenon whom I just received a letter from demanding me to attend their offices to discuss the debt!

 

I am guessing this is just another tactic that I havent seen before and that having made an offer they have to take it or leave it or take me to court?

 

My World is now a very difficult place as the tenant in the house that I rent out has defaulted on their rent and they are refusing to move out at the end of their tenancy. Of course I will start proceedings but this could take over two months as I'm sure you know. I am struggling to pay my own rent and am really at my wits end. I'm startign to think that bankruptcy is the only way to get out of this. Havent slept for days, worried sick IVA is not an option as I owe too much money.

 

I'm not sure if theres any advice anyone can offer me or whether I'm just venting but if anyone has any thoughts I would as always be very grateful.

 

Thanks

 

GIB

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How long is left on the tenancy? Depending on the terms of the lease, could you not start proceedings to have the tenant evicted now for breach of contract, in so much as they have failed to pay their rent? Just a thought, someone that knows more will be along soon though.

 

I haven't heard of a DCA asking people to go to their offices; but I sure as hell is hot would not ever take a DCA up on such an "offer"!! Knowing the dirty tricks they employ even when they are on the phone or on someone's doorstep, can you imagine how much worse that would be if the alleged debtor was in the dirty DCA offices?!!?

 

Finally, what debt exactly is it this company are chasing for? And have you made cca requests to all of the relevant debts that you can make this request to (credit cards, loans etc)?

 

Cheers.

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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How long is left on the tenancy? Depending on the terms of the lease, could you not start proceedings to have the tenant evicted now for breach of contract, in so much as they have failed to pay their rent? Just a thought, someone that knows more will be along soon though.

Hi UF - Tenancy ended on 28th December but I agreed to a rolling contract and gave notice on that date. The issue is the lack of funds in the meantime. not sure I can stay afloat!

I haven't heard of a DCA asking people to go to their offices; but I sure as hell is hot would not ever take a DCA up on such an "offer"!! Knowing the dirty tricks they employ even when they are on the phone or on someone's doorstep, can you imagine how much worse that would be if the alleged debtor was in the dirty DCA offices?!!?

I know! I was quite shocked myself - not that I wouldnt relish a little face to face banter!

 

Finally, what debt exactly is it this company are chasing for? And have you made cca requests to all of the relevant debts that you can make this request to (credit cards, loans etc)?

This is for my bank overdraft and charge card which I know is not subject to CCA in the same way as cc's and loans. I have made CCA requests to all of my CC companies and have a file as thick as a whale omelette with their hilarious replies as well as my correspondence - that part of it I'm pretty much ok on (thanks to all the help and advice I've had on here) I have a number of threads Ive started on each creditor since I was lucky enough to find CAG

Cheers UF - GIB

 

Cheers.

UF

 

HI UF - my replies above! GIB

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Hi Alf,

 

Yes it is them - it is a personal unsecured debt

 

what debt are they actually demanding full payment for?

Loan, credit card, overdraft, charge card?

Has the original creditor issued any default notices, termination notice?

Have had any notice of assignment?

 

is there any chance your could scan the letter and post it on here (minum any personal detail)

 

I have not heard of this company chasing personal debt before, they are not a DCA in the true sense. I certainly would not be making any visit to their office to discuss anything.

 

If you can ggive us some more details regard to actual debt they are try to collect we can advise the best course of action.

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"RSM Tenon is regarded as one of the most progressive and entrepreneurial professional services firms in the UK today." Which means they see a chance to diversify into personal debt recovery! They do list debt recovery as one of their services though.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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I think I would quite like to go to meet a dca!!!

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Unfortunately dont have access to a scanner right now.

 

happy to copy the letter here though...

 

I have been instructed by NatWest to contact you in relation to your outstanding debt and arrange a meeting with you to discuss the most amicable way of resolving this matter.

 

In the circumstances I would like you to attend my office on 27th january 2010 at 2pm

 

Would you please contact me by phone upon receipt of this letter to confirm the above appointment or to discuss your circumstances as I believe that I will be able to help you.

 

I was going to write back saying - I made the bank an offer based on a CAB approved I&E - I wont be attending your office - take it or leave it type thing.

 

What do you think?

 

GIB

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I was going to write back saying - I made the bank an offer based on a CAB approved I&E - I wont be attending your office - take it or leave it type thing.

 

What do you think?

 

GIB

 

That sounds like the best way forward, although I would write in a very conciliatory tone, I would further add that

1. you are taking advice from the CAB, and having two advisors shows a lack of respect to both.

2. you are having some difficulty with the property you own in that the tenant is not paying the rent, and that you are actively trying to get this sorted out.

3. (as you note) the amount you are offering is the maximum that can afford at the moment. You are however desparate to resolve the situation and will be increasing the amounts repaid as soon as circumstances permit.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 1 year later...

Hi Curious as to how this went.

I have just had an identical letter from Tenon this week re an RBS account where I was gstands and that ave a pesronal guarantee against a company bank account.

I take it that the advice stands and that I should only correspond in writting.

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There seems to be a bit of a trend in that some 'DCAs' are trying to offer DMP services. I have been getting letters from 'Engage' wo are part of Mucky hall, offering to help me sort out my problems - no thanks.

 

As you have already taken independent advice and are following this, I would report this crew and RBS/Nat West, who are responsible for all this, to OFT as I am sure it breaks their guidelines. They are not in a position to offer independent advice, anything they say would be detrimental to your other creditors and this approach is misleading in the extreme

Please support CAG and they will support you.

donate

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If it was me I would write to them stating that I am happy to attend their offices on the date mentioned. I will be charging you at a rate of £50 per hour for my time including travelling time, and also for my fuel, train tickets, meal costs, etc etc. And unless I heard from them within 14 days then I can presume that they have accepted to pay my costs and expenses incurred...

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