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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.
    • 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.
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Amex/Mischcon V Me


Martel
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4918 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

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Start your own new thread

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

 

Thanks

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Vjohn-thanks for your input.

 

I agree that the off topic stuff do not help anyone,and always encourage open and constructive dialogue that serves to further progress.

 

Good modding can be seen from many different angles,and often its impossible to please all.

 

If there is wider evidence of a witch hunt,then this is something that would be viewed as unacceptable,and I invite you to hit the red triangle with that if you have that info.

 

I dont consider a need to back track on anything I have posted,however I am prepared to refer the posts in question to other team members for considerations.

 

In the meantime,I like you hope that the thread will continue in a productive vein.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Vjohn-thanks for your input.

 

I agree that the off topic stuff do not help anyone,and always encourage open and constructive dialogue that serves to further progress.

 

Good modding can be seen from many different angles,and often its impossible to please all.

 

If there is wider evidence of a witch hunt,then this is something that would be viewed as unacceptable,and I invite you to hit the red triangle with that if you have that info.

 

I dont consider a need to back track on anything I have posted,however

 

Martin,

 

I cannot for confidentiality reasons disclose how I know that rhodium78 is the "genuine article". The simple fact is that he has been "outed" by 4 particular posters as being a troll simply because of his posts on faulty DN's and not because of any evidence to support the assertion. That alone is enough to remove posts which are off topic.

 

I'll take the risk of being called a troll too then... rhodium78 assertions are correct regarding DN's.

 

Now, what do the posters in this thread think of that? Dare anyone call me a troll too?

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Hi Martel,

 

I am in the same boat as you. well.. guess Amex has transferred all their cases from Brachers to Mishcon coz I got a letter from them too saying a change of solicitor. Amex/Brachers tried to take me on summary judgment but they lost due to invalid DN, no credit agreement (as it was online application in my case). Its been 9 months since I last battle with them in court for summary judgment which I won & suddenly i received the AQ N150. Its a new type of N150 that I have not seen b4 ( i have filled in a few!) am wondering if you could let me know the link to your thread so i can see whether I could get some guidance on filling in the form?

 

Most Amex DN's are defective, usually they are:

 

1. Not allowing sufficient time for remedy of breach

2. Citing the wrong clauses

3. Incorrect wording

4. Incorrect default sum

 

and other reasons............

 

I am sure that most would agree that Martel would be wise to also use the defective DN argument in addition to her other defence with regards to the agreement.

 

Unfortunately it is down to the judge on the day, but I am sure Martel is more than capable of holding her ground and not letting Michcon get away with much...........or anything for that matter.

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I'm trolling off for a few hours. I hope we all see sense and get this sorted, and I'd eventually like to see anything not related to the thread removed.

 

Me too DB... perhaps our contributions are not worthy enough and that instead the site team would prefer to read unfounded speculation and insults?

 

Oh well... other threads to troll I'm sure.

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Hi Martel, glad you got the disclosure list off - one less thing to worry about! I'm sure you will get plenty of good advice from the people on here if you need it.

 

best wishes, Magda

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Hi Martel, glad you got the disclosure list off - one less thing to worry about! I'm sure you will get plenty of good advice from the people on here if you need it.

 

best wishes, Magda

 

Thanks, Magda. My focus now is on my WS. MXXX

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Good idea. Let's get back to the job in hand and stop all this trolling stuff because if rhodium78 is a troll, I'm one too!!

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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The simple fact is that he has been "outed" by 4 particular posters as being a troll

 

Just before any of my threads are removed or im accused of calling anyone anything please look back, I mentioned troll's on the forum...

Nothing more.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Whitout sounding like a baby crying 'I didnt do it', my post mentioned trolls to clarify 'disecting the manchester case' the posters with the latin names.

 

As I said in post 58 'not my words'

 

The only participation was trying to assist Martel with his thread as I have with the majority them.

 

 

Hadituptohere

Edited by Hadituptohere
Didnt need my name twice

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I think that's fair enough. The others I'm afraid were far more "vocal" and obvious in their condemnation and should be apologising.

 

I've helped those concerned on a number of matters from my recollection and I consider it a personal insult for rhodium78 to be maligned in this way.

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VJohn. I really don't think we should hijack Martel's thread any longer but can I politely suggest that if Rhodium (or indeed anyone) who has particular talents/ qualifications etc and wants to help the posters then could they identify themselves to the Site Team?

 

In this way the Site Team can verify their status and confirm they are "good guys" or girls.

 

Both you and DonkeyB want to vouch for them so we know they must be alright.

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Martel

 

They may have added the bit about s65(1) and s127(1) because if the agreement is not properly executed, and therefore only enforceable on an order of the court, if they have not asked the court to enforce the agreement in the POC, the court may not enforce.

 

Hope that makes sense

 

Martel

 

Just been reading back through your thread and wonder have you been supplied with a copy of the original signed agreement.

 

I requested under s78 a copy of the agreement I had had with Amex Credit Card taken out in mid 90's - all they sent was a copy of an application form headed "SIGNATURE only required. Virtually all you have to do is sign your name"

 

I got this checked out at CAB (person I saw knew what they were talking about) and was told it would not hold up in court as contained none of the prescribed terms. If yours is the same this may be why they have added the bit about s65(1) and s127(1) to their amended POC.

 

The DN I received from Amex also did not give an actual date by which to remedy the breach, but just states "fourteen days from the date of this notice", was sent 2nd class, and arrived ten days after the date on the notice. Giving me four days to remedy the breach, which happened to be Good Friday, Easter Saturday, Sunday and Monday.

 

Over the next two years the account got passed to AIC, Newman, Moorcroft and finally VIL Collections.

 

Since then (over two years ago now) have heard nothing.

 

Only two years to go and it will be statute barred - but expect to hear from someone before then. I'm surprised they have not sold it on yet.

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VJohn. I really don't think we should hijack Martel's thread any longer but can I politely suggest that if Rhodium (or indeed anyone) who has particular talents/ qualifications etc and wants to help the posters then could they identify themselves to the Site Team?

 

In this way the Site Team can verify their status and confirm they are "good guys" or girls.

 

Both you and DonkeyB want to vouch for them so we know they must be alright.

 

Revealing personal details would go against everything the t's and c's state and, furthermore, I would say dangerous in light of the recent court order which allowed a DCA to access a number of CAG user's information upon request.

 

I would urge everyone to make sure they are as anonymous as possible on this forum to a certain extent. However, the fact that me and DB have vouched for their character considering the lengths we have both gone to in order to clarify this should be more than enough for the posters concerned!

 

This thread can be brought back "on topic" as soon as the mods remove all references to rhodium78 being in any way deceitful.

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well, sorry guys, my supports with Rhodium78, gotta be said.

 

I have had the pleasure of correspondence with this user and i have to say they have always been honest, upfront and most importantly, 110 % accurate in what arguments they have raised.

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Guest Mrs Hobbit

I have a feeling Mischon and Cabots are monitoring this thread, I have been away for two weeks and my alarm bells are going off.

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well, sorry guys, my supports with Rhodium78, gotta be said.

 

I have had the pleasure of correspondence with this user and i have to say they have always been honest, upfront and most importantly, 110 % accurate in what arguments they have raised.

 

So should we cease using any argument with relation to DN's that do not conform?

 

That is his position as stated on this thread.

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No - the issue pt is referring to is that of accusing someone of being something he is not, for which apologies should be made.

 

The debate about issues relevant to the thread - such as the DN - should stay open. They are important issues and need to be looked at and debated properly, in my opinion.

 

If someone disagrees with a post, either on a legal point or in general, then let's discuss it openly!

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No - the issue pt is referring to is that of accusing someone of being something he is not, for which apologies should be made.

 

The debate about issues relevant to the thread - such as the DN - should stay open. They are important issues and need to be looked at and debated properly, in my opinion.

 

If someone disagrees with a post, either on a legal point or in general, then let's discuss it openly!

 

I am sure pt can answer for himself, he is very experienced and has vouched for Rhodium.

 

The OP was, and still is, looking for constructive help in relation to a tough case involving Amex and Michcon. The invitation from Martel was not to encourage legal debate. Rhodium's contribution was to essentially suggest giving up on the DN (citing Rankine et al). Nobody has taken up his invitation to a legal debate since most wish to help and encourange Martel not to again open up Rankine.

 

I am not sure if Rhodium has faced Amex in court...................

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Thought this might be of tangental interest here - it's on another Claim that was the subject of a failed SJ. Today I rec'd a Notice of Discontinuance from the Claimant's sols.

 

As fate would have it, the Defence hinged on a flawed DN.

 

Their case wasn't helped by the fact they managed to produce THREE sets of T&Cs in court but they were prepared to revert to the old 'reconstituted' argument.

 

Whether the DN issue would have convinced the DJ is another matter but it certainly had the Claimant on the run.

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Great news Martel which case was it? one you have posted on the forum?

 

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Martel

 

Just been reading back through your thread and wonder have you been supplied with a copy of the original signed agreement.

 

I requested under s78 a copy of the agreement I had had with Amex Credit Card taken out in mid 90's - all they sent was a copy of an application form headed "SIGNATURE only required. Virtually all you have to do is sign your name"

 

I got this checked out at CAB (person I saw knew what they were talking about) and was told it would not hold up in court as contained none of the prescribed terms. If yours is the same this may be why they have added the bit about s65(1) and s127(1) to their amended POC.

 

The DN I received from Amex also did not give an actual date by which to remedy the breach, but just states "fourteen days from the date of this notice", was sent 2nd class, and arrived ten days after the date on the notice. Giving me four days to remedy the breach, which happened to be Good Friday, Easter Saturday, Sunday and Monday.

 

Over the next two years the account got passed to AIC, Newman, Moorcroft and finally VIL Collections.

 

Since then (over two years ago now) have heard nothing.

 

Only two years to go and it will be statute barred - but expect to hear from someone before then. I'm surprised they have not sold it on yet.

 

Blondie, thanks for your input and I hope you stay under the Amex radar for the next two years so you don't have to deal with these so called 'people'.

 

Yes, my experience is similar to yours. I love they ask me for permission to alter the POCs so, effectively, it will state 'even if none of the documents we present to the court are valid, will the nice DJ declare the arrangement enforceable'.

 

Good luck and thanks again for your post.

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Sorry Martel seen the other thread.. Congrats for that one

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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