Jump to content


  • Tweets

  • Posts

    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
  • 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

Debt in UK live in Spain please please help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4369 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

You sent the account in Dispute letter to AIC, in theory they should have passed the matter back to Natwest with that letter. There problem, so don't worry about it to much. If you have sent the letters I done for you last night then they point out that the account is in dispute and default. So again Natwest and AIC will, if they read and digest the contents, know that the account is disputed.

 

As for what is going to happen next is anyones guess. They have not complied with a CCA request so really they can't do anything until they do. So just sit back and wait and don't worry about it. You are in Spain so they can't do anything anyway and they know that. In addition they have messed up from the begining so if they could, which they can't, go to court they wouldn't as it would be thrown out for all the errors that have been pointed out.

 

Regards

 

All advice is given through experience and research but does not substitute qualified and professional legal advice. Any opinions given is mine alone and is just that OPINION. If any reference to law is made I cannot guarantee that it has not been appealed or case law has been made since.

 

Live life to the full as you only get one chance!

Edited by ayomi

All advice is given through experience and research but does not substitute qualified and professional legal advice. Any opinions given is mine alone and is just that OPINION. If any reference to law is made I cannot guarantee that it has not been appealed or case law has been made since.

 

Live life to the full as you only get one chance!

 

8-)

Link to post
Share on other sites

  • Replies 103
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 2 weeks later...

FORMAL COMPLAINT

Dear Sir,

 

In youtr letter dated, ******you have stipulated that you require proof of my identity/signature before you comply with my CCA request, may I bring the following to your attention;

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no leglislation nor guidelines that you can hide behind in an attempt to avoid fullfilling my legal request.

 

If you continue to fail to comply with my legal request, I will without hesitation complain to the Information Commissioners Office & the OFT and if my complaint is upheld you will be liable to a fine.

I also refer you to my letter dated ***** in which I inform you that you failed to comply with my CCA request within the statutory time limit and thus the account is in dispute and default. Your recent letter is another attempt to avoid your legal responsability to comply with my request and does not give you a legal defence as it breaches the guidelines isssued by the ICO

and therefore I consider that the account remains in default and dispute until you comply with the CCA request and I draw your attention once again to the contents of the aformentioned letter, in that you may take no action pertaining to this account whilst this is the case.

Finally until you comply with my LEGAL request I will enter in to no further correspondence with yourselves or any 3rd party and you are to consider this a formal complaint and action in accordance with your complaints procedures.

Yours,

Print name do not sign.

 

All advice is given through experience and research but does not substitute qualified and professional legal advice. Any opinions given is mine alone and is just that OPINION. If any reference to law is made I cannot guarantee that it has not been appealed or case law has been made since.

 

Live life to the full as you only get one chance!

 

8-)

Link to post
Share on other sites

Thanks so much Ayomi, I did write a letter along those lines before but they just sent another letter asking me to sign. Will they just ignor this letter or just ask for my signature again. If they have not got my CCA will they ever send a letter saying this, sorry for all the questions it's just that I would feel better knowing what could happen.

Link to post
Share on other sites

If they don't give you what you have asked then it's up to you what you do next.. This last letter aslo makes it a formal complaint and thus they have 28 days to respond to that complaint explaining why they are taking this stance, they still have to comply with the CCA request which is a seperate issue. You can report them to the ICO and OFT and depending on what they say in their response to the complaint it can also be passed to the Financial Ombudsman. As long as you keep all what they have sent and list, as I said before, in a diary everything that you have done, then by not complying with the CCA they are just shooting themselves in the foot. You have said that until they do you will not correspond further, thus you have put them on notice and one that a court would judge as fair. As for what they will do is anyones guess, probably involve a spanish DCA who as they did me write asking for money, no threats of action or anything as they can't. I told them what the legal position is and have not heard back since, but then it had been a year since I last heard anything from the CC co. anyway. Don't loose any sleep as I don't anymore, it's just a game of cat and mouse.

All advice is given through experience and research but does not substitute qualified and professional legal advice. Any opinions given is mine alone and is just that OPINION. If any reference to law is made I cannot guarantee that it has not been appealed or case law has been made since.

 

Live life to the full as you only get one chance!

 

8-)

Link to post
Share on other sites

Hi, I am quite shocked as I received today the below letter from AIC

 

Final Notice

You are advised that AIC are preparing the above account for transfer to our legal representatives in your country. The additional costs involved in this process will increase the above outstanding balance.

In order to prevent this, you need to contact us on the above telephone number immediately (which was in bold)

I cant understand this as I requested the CCA from them, they then passed it to Natwest who keep asking for signatures etc and now AIC have sent the above.

Please advise me what to do, can they do this without first providing me with the CCA, what will happen in Spain, I feel very worried again and upset.

 

HEY - I have one of those letters.. oh from AIC as well.. For your information, they didnt transfer it they jut handed it back to the bank!!

Link to post
Share on other sites

  • 5 weeks later...

Hi All, hope you had a lovely Christmas and New Year, just received a letter from NatWest say more or less as I have not signed my letter requesting my CCA that I must now let them know which branch I want to collect it from and I will have to show 2 forms of ID. Can you advise what I should do now, they really are being difficult, I can't understand why they will not just send the CCA to me. Thanks for your help

Link to post
Share on other sites

Hi All, hope you had a lovely Christmas and New Year, just received a letter from NatWest say more or less as I have not signed my letter requesting my CCA that I must now let them know which branch I want to collect it from and I will have to show 2 forms of ID. Can you advise what I should do now, they really are being difficult, I can't understand why they will not just send the CCA to me. Thanks for your help

 

I would write back saying something along the lines that further to your last letter they have failed to comply with their legal duty to provide a copy of the CCA and therefore they are in breach and the account remains in dispute. That if they had taken notice of the contents of your previous correspondence and check their records and the address to which they are corresponding with you they would note that you do not live in the UK and thus are unable to collect from a branch. In order to help them you enclose a copy of your passport & Driving licence or other ID (Spanish would be nice)(BLANK OUT THE SIGNATURES), BUT WILL NOT TOLERATE ANY FURTHER DELAYS. That you are preparing a letter of complaint to the OFT regarding their failure and that you wish to take this opportunity to point out that you have not received any correspondence about your formal complaint, that you appreciate there has been a 2 week holiday period and therefore should you not hear from them within the next 2 weeks, regarding the status of your complaint, you will also write to the Financial Ombudsman.

 

Letters to the OFT and Financial Ombudsman- look at their web sites for info. You do not have to give them all the details just what you have asked for and what they have not done etc.

 

Happy New Year!

All advice is given through experience and research but does not substitute qualified and professional legal advice. Any opinions given is mine alone and is just that OPINION. If any reference to law is made I cannot guarantee that it has not been appealed or case law has been made since.

 

Live life to the full as you only get one chance!

 

8-)

Link to post
Share on other sites

Thanks Ayomi, I did receive a letter from the complaints saying they were looking into it, I then received another letter yesterday saying the same thing that they are looking into it. I will send Natwest what you have advised and will let you know their response. Do you think they will ever give up ???

Link to post
Share on other sites

  • 2 weeks later...

Hi Ayomi, I just received a letter from the complaints department at Natwest saying they will not uphold my complaint because i have not provided my signature, and if i do not respond by the 26th January their debt collection agency will be instructed to recover the debt. What should I do, shall I just sign the letter requesting the CCA. Please let me know as soon as you can as I have to reply pretty quickly. Thanks for your help.

Link to post
Share on other sites

Hi there.

 

I have a lot of experience with overdrafts and this is my take on it.

 

Forget the credit agreement request as there probably isn't one, and this is really for a loan or a credit card.

 

This overdraft falls under the consumer Credit Act 1974, and a full 14 days to rectify the default should have been given from the date of the default letter plus postage time.

 

If they have not given you 14 days to rectify the issue, and have demanded the full balance, then firstly the default notice is defective, and secondly your overdraft agreement has been unlawfully rescinded.

 

What this means is they have withdrawn improperly the facility to pay the overdraft back and are therefore in breach of the agreement themselves.

This effectively stuffs them good and proper, but whatever you do, don't let them know you know this at this stage.

 

They have to stick to the law and do things right, but they think they can do what they want and get away with it.

 

If this is what they have done, I personally would not pay them a penny.

 

This has worked for me, and in fact I wrote to the debt collector and pointed out the banks mistake with the default notice. Result? dropped it like the hottest of hot tater's.

 

Regards,

 

3tea

 

This is exactly what HSBc did to us. They terminated the account without giving proper notice. We eventually got the FOS to order HSBC to remove the Default with the CRAs, reinstate the account and pay compensation.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

  • 2 weeks later...

is there any point complaining to the OFT?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

they won't investigate indvidual complaints and just refer you to the FOS

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

from what I have read in a number of these threads DO NOTHING yet. let them do the work not you. They have to do the proving!

I may be wrong but it looks like THEY are in the wrong so just wait.

 

I am sure things will go your way particularly with the help of CAG

 

regards

 

Jasperpad

Link to post
Share on other sites

Hi KellyMarie. Don't worry, we're all in the same boat. I'm just north of you in another country, and have gone (and still going) through the hoops with NatWest, AIC, Triton, uncle Tom Cobley and all. It gets to be a bit of a game eventually, once the panic and the cold sweats have passed. I have an issue with NatWest who let me have an overdraft of £100, but bumped up the charges to about £1400. I have told them to get stuffed, sent them payment for the hundred pounds I owed them and have now CCA'd them for what they say they owe me, knowing full well that I don't have a signed valid credit agreement for that amount. I sent them stamps to the value of £1 before Christmas and they returned it saying they don't accept stamps. I have just sent them a PO for a quid.

The problem NatWest have is that they cannot take this any further because they cannot take you to County Court , because you live abroad (you have to have a UK address for the Court process. So the game begins by putting the frightners on you (AIC et al). All you need to do is send one "Account in Dispute" letter to each debt collector as they write to you and they go away. Don't speak to them at all - they are ignorant/arrogant gits, and make sure you KEEP EVERYTHING including envelopes.

This site has been a life saver to many thousands of desparate people, myself included, so keep calm, keep reading, and keep posting!

Cordialement...

Link to post
Share on other sites

one question I have: does your UK credit file get accessed by lenders in other EU countries?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...