Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

HFO Services/Capital/Turnbull barclaycard debt


vjohn82
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4785 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.4k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Here's her latest reply via email:

 

Dear xxxxxxxx

 

Your complaint is being taken seriously, and I have already dedicated much time to your concerns. I shall respond to you towards the end of next week to finalise this matter.

 

Regards

 

Caroline

 

Caroline Close-Smith

Trainee Solicitor

GRB Litigation

Barclays Bank PLC

 

DD: 020 711 64422

Fax: 01452 638 151

Clearway: 6006 4422

Email: [email protected]

Level 29, One Churchill Place, London, E14 5HP

Link to post
Share on other sites

(5) Where any statement is required to be in a form specified in a Schedule to these Regulations and is reproduced in

the notice, then apart from any heading to the notice, trade names or names of parties to the agreement--

(a) the lettering in the statement shall be afforded more prominence (whether by capital letters, underlining, large or

bold print or otherwise) than any other lettering in the notice; and

(b) where words are both shown in capital letters and underlined in any statement specified in a Schedule to these

Regulations, they shall be afforded yet more prominence.

(6) The wording in any such statement shall be reproduced in the notice without any alteration or addition, and in

relation to any statement to be contained in the notice the requirements of any note shall be complied with, except that the

words "the creditor" may be replaced by the name of the creditor, by the expression by which he is referred to in the

agreement or by an appropriate pronoun, and any consequential changes to pronouns and verbs may be used.

(7) Where any note requires any words to be omitted, those words shall be omitted or deleted.

  • Haha 1
Link to post
Share on other sites

Nice to know also that Barclays are sure the courts will consider a non-compliant default notice a de minimis issue.

 

How kind of a trainee solicitor to speak for the courts.

 

I know... trainee solicitor to Judge in three easy letters!

Link to post
Share on other sites

Dear Caroline

 

As your replies clearly demonstrate that you are unable to distinguish between your arse and your elbow especially when dealing with the requirements of producing a compliant default notice under the relevant section of the 1974 Act ,it would probably benefit not only the remnants of your legal career but also the coffers of Barclays,if you did not waste any more of my time with your inept replies but instead passed this matter to a qualified member of Barclay's legal department.

Link to post
Share on other sites

Dear Caroline

 

As your replies clearly demonstrate that you are unable to distinguish between your arse and your elbow especially when dealing with the requirements of producing a compliant default notice under the relevant section of the 1974 Act ,it would probably benefit not only the remnants of your legal career but also the coffers of Barclays,if you did not waste any more of my time with your inept replies but instead passed this matter to a qualified member of Barclay's legal department.

 

Harsh... very harsh :p:p:p:p

Link to post
Share on other sites

I think that the issues in my claim are being backed up by Barclaycard very well in this matter. So far I have had the following confirmed JUST from correspondence with Miss Smith who, to her credit, has taken some time to respond to me (despite it being her job of course)...

 

1. The Default Notice was not compliant which would follow that whatever credit agreement was in existence was unlawfully rescinded

 

2. There is no deed of assignment between Barclaycard and any HFO incarnation

 

3. The simple contract that was the instrument of the account sale was not signed in accordance with s.36A of the Companies Act 1985

 

Tea anyone?

Link to post
Share on other sites

I think that the issues in my claim are being backed up by Barclaycard very well in this matter. So far I have had the following confirmed JUST from correspondence with Miss Smith who, to her credit, has taken some time to respond to me (despite it being her job of course)...

 

1. The Default Notice was not compliant which would follow that whatever credit agreement was in existence was unlawfully rescinded

 

2. There is no deed of assignment between Barclaycard and any HFO incarnation

 

3. The simple contract that was the instrument of the account sale was not signed in accordance with s.36A of the Companies Act 1985

 

Tea anyone?

 

or coffee

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

I'm just thinking out loud here...

 

...but the location of HFO Capital in the Cayman Islands/Ireland simply gives rise to the issue of non-dom tax status which is VERY HOT in the political news right now.

 

I think the issue of Barclaycard selling accounts to this company (in whatever incarnation they appear) raises a hell of a lot of questions.

Link to post
Share on other sites

I'm just thinking out loud here...

 

...but the location of HFO Capital in the Cayman Islands/Ireland simply gives rise to the issue of non-dom tax status which is VERY HOT in the political news right now.

 

I think the issue of Barclaycard selling accounts to this company (in whatever incarnation they appear) raises a hell of a lot of questions.

 

 

Do both of these companies hold consumer credit licences or did they at the time of purchasing these debts?

 

S.

Link to post
Share on other sites

Do both of these companies hold consumer credit licences or did they at the time of purchasing these debts?

 

S.

 

HFO Capital Ireland's Consumer Credit Licence was effected on 26-Mar-2008 yet the contracts, I believe, were signed on 31-Jan-2008.

 

HFO Capital Cayman was issued on 07-Jul-2005.

 

So it appears that HFOC Ireland, when they were sold the accounts from HFOC Cayman in Jan 2008 had no CCA licence and no DPA licence!!!

Link to post
Share on other sites

As for HFO... well, the hole just gets deeper and deeper...

 

I forgot to consider the CCL when looking at this HFOC Ireland issue... I will look into this a little more and "report" back.

 

I think are literally scratching the surface with this and it's a shame the fines are not more considerable.

Link to post
Share on other sites

"Unlicensed trading is a criminal offence punishable by a fine, imprisonment or both. You must not trade before your licence has been granted, or carry out business activities under a category it does not cover."

Link to post
Share on other sites

Hmm you have to questions barclays part in not checking who they were dealing with

 

S.

 

Well they don't sell accounts to them anymore which either suggests a better deal elsewhere or they were unhappy with something within the HFO organisation.

 

It's a shame a Freedom of Information request won't work with BC to find out the reason HFO were "dropped".

Link to post
Share on other sites

Just looking a bit more into the reason why the assignments need to be "Deeds of Assignment" I found this on the "Net Lawman" website

 

Not sure if it is relevant but it would appear that the Debt Collection Industry need to use a "Deed" because of the type of "Consideration" that is involved in this type of exchange of contract.

 

"An agreement to assign a contract, often called a ‘Deed of assignment’ allows one party (the assignor) to transfer ownership of something they own, such as a house or endowment policy, to someone else (the assignee). Mostly, the assignee pays the assignor in return for the transfer of title. This is called ‘consideration’.

 

This is a deed of assignment, provides for the transfer of benefits under a contract or contracts by the Assignor to an Assignee (who may or may not have paid for the assignment). It does not allow for the assignment or transfer of other property, or a life insurance policy for example.

 

The assignment does not affect the obligations of the Assignor to perform his part of the contract, so far as the other original contracting party is concerned. To be effective, there must be notice of the assignment to the other original contracting party which is provided for in schedule.

 

Why a deed? An essential ingredient of a legally binding contract is that each party must give 'consideration' to the other; that is to say, for example, money in return for goods. When such a contract is altered or assigned, there may not always be such consideration or value moving each way, in return for the assignment. A deed does not require this movement of value between the parties in order to be legally effective, so a document such as this must be a deed.

 

Do not risk important contracts being assigned incorrectly. Use a comprehensive document such as this to protect your interests".

 

This would seem to fly in the face of your Barclays Trainee Sol who says that it is a "simple contract" and not a deed in your case. So they use something called a "Forward Flow" agreement where both parties agree that the assignee will comit to buying a certain amout of debt within a particular criteria for 12 months. So by using the agreement as a "Deed" of the assignor and not a "Simple" contract, both parties are not commited to each other for a set amount of consideration.

 

In Simple terms :

 

"It is the Deed of this company that this will happen if the criteria are met.

 

Signed ...........

 

Of course I may be totally wrong!!

 

Beau

Edited by BeauBrummie

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...