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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Does A Sole Trader Have A Cooling Off Period On Hire Agreement


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Hi

 

Few years ago purchased a Server from PCWorld, at the top of the agreement it had:

 

Hire Agreement Regulated by the Consumer Credit Act 1974

 

Further down it had:

 

This Agreement is not cancellable under UK consumer credit legislation

 

Then further down it had:

 

IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

 

The Consumer Credit Act 1974 covers this Agreement and lays down certain requirements for Your protection which should have been complied

with when this Agreement was made. If they were not, We cannot enforce this Agreement against You without getting a court order. If You would

like to know more about Your rights under the Act, contact either Your local Trading Standards Department or Your nearest Citizens’ Advice

Bureau

 

 

And this bit, as stated above at the time i was a sole trader:

 

* This is an agreement regulated by the Consumer Credit Act 1974 unless you are a corporate body or a partnership of 4 or more partners or the

total Repayments are greater than £25,000 in which case this Agreement will not be regulated by the Consumer Credit Act 1974 and any

statement in this Agreement or copy of this Agreement concerning such Act will not apply.

 

My question is this, is a sole trader protected under the consumer credit act and allowed a cooling off period, as i sent the documents away on the 23 and then on the 24 changed my mind and emailed them to cancel and then a week later got the agreement back signed and dated 25th

 

I then phoned them back up and queried this and was informed the agreement was none cancelable, but as i cancelled 1 day before the agreement was signed, surley i'm allowed to cancel.

 

CAM

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Hi

 

Few years ago purchased a Server from PCWorld, at the top of the agreement it had:

 

 

 

Further down it had:

 

 

 

Then further down it had:

 

 

 

And this bit, as stated above at the time i was a sole trader:

 

 

 

My question is this, is a sole trader protected under the consumer credit act and allowed a cooling off period, as i sent the documents away on the 23 and then on the 24 changed my mind and emailed them to cancel and then a week later got the agreement back signed and dated 25th

 

I then phoned them back up and queried this and was informed the agreement was none cancelable, but as i cancelled 1 day before the agreement was signed, surley i'm allowed to cancel.

 

CAM

 

As a sloe trader you have the same rights as an individual as "you" are the business and personaly liable for it - unlike a ltd company that has it's own seperate identity.

 

As regards the agreement you signed - did you sign it on trade premises?

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Hi dadofholly

 

Signed the agreement at home.

 

CAM

 

In that case you had 5 days to cancel - and they should have informed you of this at the time of sale - with the info on how to cancel.

 

You also say you canceled before they signed - as long as it's within the 5 day time scale you have no agreement.

 

They are mistaken in the non-cancellable part - that ONLY applies to agreements signed on trade premises.

 

What year was this? just so i can double check on relevant legislation

 

Also was the server an off the shelf one - or made to your spec?

 

Did you have the goods in your posession at time of signing - or did you take possession of them at any point.

Edited by dadofholly
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OK - it being made to spec can be an issue - what kind of time scale was involved between you agreeing the spec and signing the docs.

 

If they had already started the work then it "May" be to late to cancel - however as they had not even signed the agreement at this point i doubt they would have.

 

Take it you ordered it in store - or was it at home - and did you take possession of the goods at any point.

 

Sorry to ask so many questions but you have different rights under different bits of legislation such as sale of goods act or CCA etc.

 

Am just trying to work out best form of attack

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Hi dadofholly

 

Ordered it over the phone, took a few weeks to get agreement off them to sign, they then emailed me the agreement etc, before i signed sent the agreement i emailed them this question:

 

 

I've signed the 3 forms required, but before I send them can you answer a question I have concerns about.

 

If in a worse case scenario, the business fails and I return the server, what happens regarding the balance owing?

 

 

Reply was (dated 20th):

 

 

In case, if you are unable to pay the balance you can return the system and you will get a early settlement figure at that point.

 

I trust this is to your satisfaction.

 

 

Then on the 23rd i sent the documents, on the 24 changed my mind and emailed then, then agreement signed by them on 25th, equipment they claim was already in production, how can it be, when agreement was not yet sent or signed by them and i cancelled day defore signing!!

 

Then about 10 days later equipment arrived by courier.

 

CAM

Already sent cca to dca, funny thing is, the signature on the cca that dca sent back is not the same as the one i have on my agreement

Edited by CatAndMouse
added cca info
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Does yours match exactley the one on the original agreement?

 

Trace the original and overlay it on the new agreement if unsure - if they match "exactley" they have possibly forged the agreement.

 

This would not be a signed copy of the original and may be unenforceable. But i would need someone else for their views on that.

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Hi dadofholly

 

No need, their signature is completly different to the one on my agreement. Their signature on my agreement nearly goes off the page and is in blue ink, and my signature looks like it has been photocopied. My signatures on the dca cca look to have been photocopied and their signature is smaller and does not look like it has been photocopied

 

CAM

SAR already done thanks

Edited by CatAndMouse
added sar
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Hi CAM

I think you may have a course of action via the Distance Selling Regulations and have added a link for you . .

http://www.oft.gov.uk/shared_oft/business_leaflets/general/oft698.pdf

If you read through you'll find that certain information has to be supplied and the time scales involved but (As I read it) the relevant part is 3.38 . . .

n the supply of goods made to the consumer’s own specification

such as custom-made blinds or curtains. But this exception does

not apply to upgrade options such as choosing alloy wheels when

buying a car; or opting for add-on memory or choosing a

combination of standard-off-the shelf components when ordering

a PC, for example

 

I hope this gives you a bit more help

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Send this to PC World Head Office

 

enclosing a £10 Postal Order

 

Lets see if we can get a bettwer idea of time lines etc via call logs or other paperwork

 

Data Protection Act 1998

 

 

 

Subject Access Request

 

Dear Sir/Madam

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened.

 

2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account.

 

3. True copies of any notice of assignment and default notices or enforcement notice that you/or name of the original creditor sent me, with a copy of any proof of postage that you hold.

 

 

 

4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. (if applicable).

 

 

 

5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover.

 

 

 

6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

 

 

7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

 

 

8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

 

 

9. Copies of statements for the entire duration of the credit agreement/s.

 

 

 

10.Termination notices

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007)

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

PRINT YOUR NAME (Do Not Sign)

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Ok have you received your SAR?

 

Thanks Revenant for joining in.

 

Revenant is correct about 3.38 in the guidlines and this is your best defence. Though you just need to check the detail in 2.13 to make sure they don't apply to you.

 

Need to be sure about it being your own spec.

 

If Revenant is correct about "off the shelf" parts - and you did not need any special software to be written for you - then they have not complied with the regs.

 

You will need to argue point 3.38 with them as your defence.

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Hi All

 

Sorry for delay in replying, had to pop out.

Will read the oft guidelines, one thing when i mentioned custom what i ment was 'I told them how much memory i wanted, size of drive and number of processors.'

 

CAM

 

have not yet received sar

Edited by CatAndMouse
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Hi All

 

Sorry for delay in replying, had to pop out.

Will read the oft guidelines, one thing when i mentioned custom what i ment was 'I told them how much memory i wanted, size of drive and number of processors.'

 

CAM

 

have not yet received sar

 

Be worth waiting untill you get the SAR back - sometimes there are little nuggets in them.

 

Need to check up on the "off the shelf parts" bit - but i would fight it anyway - they would have trouble in court with that Aggreement.

 

 

apply to upgrade options such as choosing alloy wheels when

buying a car; or opting for add-on memory or choosing a

combination of standard-off-the shelf components when ordering

 

 

a PC, for example

 

 

 

REVENANT - Do you have a link for this? It's the info i have been trying to locate since thread started. Think if accurate will kill the agreement.

 

Good luck CAM and come back when you get your SAR.

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Hi All

 

Sorry for delay in replying, had to pop out.

Will read the oft guidelines, one thing when i mentioned custom what i ment was 'I told them how much memory i wanted, size of drive and number of processors.'

 

CAM

 

have not yet received sar

 

Hi CAM

IMO this is now getting easier for as I understand things what you ordered were just readily available upgrades and no special software was invovled

I've just been on to PC Worlds "Business" page re servers and looked at their T & C's . .

Cancellation

 

14. You cannot cancel a submitted order after the goods have been dispatched, unless this is agreed in writing by our authorised representative.

 

I assume that the T & C's have not changed so as you notified them of your wish to cancel before they sent the goods out you have complied with the T & C's plus they seem to have started building your server before you confirmed the order :???:

R

ps Thanks doh (Love the comment you made about your "Initials" in another post :lol:)

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi All

 

Thanks, had a quick look at oft doc,

 

2.13 Does not apply to me, as i never saw the equipment, i only told them what i needed, i.e memory, size of hard drive etc.

3.38 Well i suppose memory, harddrive are classed as of the shelf parts.

 

So the fact that i emailed them 1 day before they signed the agreement to cancel makes the agreement viod.

 

Do you think i should ask for the money i paid back :wink: as they went ahead with the agreement against my written consent.

 

CAM

 

P.S Revenant did i put a 'u' instead of 'a' in CAM

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Be worth waiting untill you get the SAR back - sometimes there are little nuggets in them.

 

Need to check up on the "off the shelf parts" bit - but i would fight it anyway - they would have trouble in court with that Aggreement.

 

 

 

REVENANT - Do you have a link for this? It's the info i have been trying to locate since thread started. Think if accurate will kill the agreement.

The link to Distance Selling Regs is my post at 14

Good luck CAM and come back when you get your SAR.

[/left]

 

Hi CAM

Please see above

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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I know this is not actually definative but it does help sum up our thougyts re "Off the shelf" . .

Commercial off-the-shelf

 

From Wikipedia, the free encyclopedia

 

Jump to: navigation, search

Commercial, off-the-shelf (COTS) or simply off the shelf (OTS) is a term defining technology which is ready-made and available for sale, lease, or license to the general public. The term often refers to computer software or hardware systems and may also include free software with commercial support.

 

Anyone can now buy upgraded memory cards/hard drives etc

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi R

 

Seems i could have a good defence, because of the following:

 

1) 3.38 in oft regs

2) failure to cancel agreement even through i emailed them to do so.

3) defective dn as arrears wrong by 25% and they claim i owed £500+ just 22 days after they signed the agreement

4) false signature on agreement, does not match the one i have.

 

I'll wait and see what dca comes back with

 

Thanks for the help.

CAM

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Hi All

 

Thanks, had a quick look at oft doc,

 

2.13 Does not apply to me, as i never saw the equipment, i only told them what i needed, i.e memory, size of hard drive etc.

3.38 Well i suppose memory, harddrive are classed as of the shelf parts.

 

So the fact that i emailed them 1 day before they signed the agreement to cancel makes the agreement viod.

 

Do you think i should ask for the money i paid back :wink: as they went ahead with the agreement against my written consent.

 

 

In Short yes.

 

Contact them and ask for their complaints procedure and begin to make a formal complaint asking for ALL your money back.

 

Make complaint in writing so you have a paper trail.

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Hi R

 

Seems i could have a good defence, because of the following:

 

1) 3.38 in oft regs

Worth the read

2) failure to cancel agreement even through i emailed them to do so.

The SAR should show this up

3) defective dn as arrears wrong by 25% and they claim i owed £500+ just 22 days after they signed the agreement

I'm pretty sure that a defective DN is enough on it's own

4) false signature on agreement, does not match the one i have.

This will be hard one for them to explain away

I'll wait and see what dca comes back with

 

Thanks for the help.

CAM

 

Oh well I guess that for now you'll have to wait for the reply to your SAR and get ready to live up to your name CAM :lol:

Will catch up on this later as I'm not working today and the pubs calling

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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