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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.
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CCA response from Virgin (MBNA) can anyone help please


Little Lady81
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Hi,

I have CCA'd Virgin (MBNA) and they have responded just in time (today was the last day) with a letter including:

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

1) Copy of executed agreement

2) Up to date Terms & Condtions

3) A copy of most recent statement (which shows the state of your account) which has been signed

For more information about these documents, please see "Frequently asked Questions" enclosed.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

 

I believe the debt to be unenforceable, the agreement was taken out on 09/01/2006 - there is no signature at all on the documents just simply tick boxes and the documents received are copies.

 

Please can anyone help with the next step. Am I right to send account in dispute letter. Payments have already 2 months behind due to mine and my husbands financial situation. :(

 

Would be grateful for any advice......:)

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Hello LL81!

 

First step I think would be to post up what they have sent, so others can take a good look at it.

 

The more eyes the better, because you never know what someone here might spot that you might have overlooked, or considered to be otherwise OK.

 

Hide your key personal details, but try to leave the meat of the material showing.

 

Next step is to get the papers relating to this in order, i.e. dig out all paperwork that you can find, and all Statements. Pull the house apart if needed, and find everything, because something will be useful I am sure.

 

I would also send them a full s7 Data Subject Access Request, that costs £10 and they have 40 calendar days to respond starting from the day after they get the request, your main details sufficient to identify that you are who you say you are, and the fee. Allow them +2 Working Days beyond that for Postage. Any later, and chase them immediately.

 

The S-A-R is important, do not overlook it, because it will provide other useful things.

 

Then come back here to discuss what's cooking!

 

Cheers,

BRW

Edited by banker_rhymes_with
Typoooo
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Hi, I found SAR much more useful if requested after DN issued and terminated and sold on, however this may depend on what you plan to do Little lady.

 

But need to see what they have sent first.

 

Do you have any PPI or late fees that can be claimed back?

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Little Lady, did you get a covering letter with about 11 attached sheets? I just got the same letter from them today.

 

All printed out from what look like standard letter templates. The signed statement they attached just had a "squiggle" on it with no indication of date, who's signature it was or any sort of official stamp.

 

I'll scan the whole lot and post it up for all to enjoy.

 

--Update--

 

You can find them here - http://93.97.21.154:81/images/mbna_cca_response/

Edited by Essemess
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  • 1 month later...

Hi Little Lady81,

 

If you click the balck triangle with an exclamation mark in it, and leave a message for the site team they will delete it.

 

Also MBNA need to provide you with copies of the terms and condition of each time they varied the agreement i.e. they increased

the interest rate.

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HI

 

i'm inthe same posutuin with MBNA - i put the account in dispute a few months ago - i recieved much the same as you have described and mine was taken out in 2006 online also. Hadn't heard anything until a few days ago when they wrote to me staing that they believed the agreement to be enforceable and that the tick box indicated my acceptance of the agreement, t&c's.

 

I shall watch with interest and keep you informed of any developments on my part.

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Had exactly the same stuff through he post myself... Nothing with my name etc or signature on it, am still paying them the hardship money they put me on anyone know what i should do next? thought they sent me an invalid dn but i can't find it anywhere shall have to tear the house apart methinks..

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