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    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
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PPI advice 77 year old couple RBS loan


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Laura,

 

In normal circumstances both husband and wife would have to sign the SAR on a joint account.

 

But when her husband died, the lady should have taken a copy of the death certificate to the bank to have his name removed from the account. Do you know if this was done?

 

If it has been, the account is now hers and therefore she alone has to sign.

 

RBS registered address is 36 St Andrew Square Edinburgh EH2 2YB and mark it for the attention of the data controller.

 

DJ

 

If the papers have not been taken to the bank, then that needs to be done asap and certainly before sending the SAR.

 

 

The old lady had his name removed from the bank account at RBS can I assume RBS would have done this to the loan as well?

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just so you know the FSA has prescribed compensation in these cases and i know for a fact the loan company will try and get away without paying out correctly so do not accept any offer that doesnt clear the finance!!!!!!!! i cannot emphasise that enough.

 

the fsa states

repay the premium

repay historic interest

repay 8% on payments claims and most importantly here

"to pay for any claims for which the customer would reasonably have expected to be paid under the policy"

so unless on the phone call they specifically used the line" you wll not be eligble for life cover because you are too old" then screw them to the wall

 

Thanks for this CAB reckon if she is eligable for the Debt Relief no point to this as the debt will be wrote off I don`t agree with that sentiment?

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This debt relief seems harsh with what it allows it seems different to a debt programme and what your allowed I mean nothing for hobbies or leisure? only £15 a month for christmas, birthdays etc only £33 a month for phone this seems very low and what about holidays even criminals in prison getting spending money!!!!

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Laura,

 

In my personal opinion, stay well clear of any debt relief programs.

 

Your friend in my humble opinion has a good case to claim mis-sold plus interest on the PPI. That is the best way forward and although may take some time, from personal experience I can tell you it will be worth all the effort in the end.

 

So I suggest you move forward with sending the SAR asap. The sooner you get the information needed, the sooner we can help work out what your friend can claim back.

 

Also this is her money, which these moralless leeches have been taking from her and her husband for years.

 

I urge you, continue with the SAR so you can get in a claim for mis-selling.

 

DJ

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DJ

 

You not confusing Debt Relief with Debt management are you the Debt Relief writes off the debt off if you have debts under £15,000 if you have less than £50 a month left over out of your income.

 

Citizens advice deal with it and get it wrote off think it costs £90

 

The SARS is going off tomorrow when I will be seeing the elderly lady so she can sign it

 

Appreciate your help in all this

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  • 3 weeks later...
Laura,

 

Yes RBS certainly should have removed the husbands name from the loan and any other accounts they held.

 

So just ask the lady to sign the SAR and get it sent off asap.

 

Good luck

 

DJ

 

 

SARS back all they have included is bank account statements the ltter we sent about the PPI and a loan papers for the 2006 loan but none for the 2005 and 2007 they included the PPI certificate for the 2007 loan

 

The lady has no copy at home of the 2007 supposedly loan yet seems to have kept everything so she is puzzled as to why she would not have the 2007 copy

 

No comms log either so whats my next step

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Laura,

 

It is quite possible they do intend sending further documents in a separate package. This often happens and I think from memory I received 4 different packages from Barclays when I sent a SAR.

 

You can either choose to hold tight until the 40 calendar days are up, or personally I would send them the first letter before action of which there should be a copy on the SAR sticky I referred you to.

 

Good luck

 

DJ

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  • 2 weeks later...

Still no more papers yet off Bank of Scotland wrote and complained about all the harassing phone calls though and letters despite both myself and CAB writing to them to tell them to hold back whilst sorting the old ladys affairs then had a Blair Oliver Scott letter come one addressed to the old lady and one to her hubbie who died November 2010 and they know he as!!!! the loan is only in old lady`s name now what a despicable bunch this is letter sent to her http://i988.photobucket.com/albums/af10/Lac-1822/Photo0056.jpg?t=1298497171

Edited by Laura Cooke
wrong info
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Her outgoings outweigh the incomings since her husband died her income as dropped dramatically pursued a Debt Relief Order through CAB but they say the amount she spends on shopping is higher than the amount allowed for the DRO and same with telephone I don`t regard £260 a month high for food when she has a Labrador to feed and is partially blind & diabetic and £82 for the phone it`s her only point of contact to her children who do not live in the area and some are on mobile phones not house phones same with travel she as to go by taxi as she as to be picked up and took home this averages £173 a month Nation Debt Line agree that her outgoings for expenses is acceptable but CAB say they are too high for a DRO it would be declined so looks like I will have to let the National Debt Line deal with this

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If she lives in an area with good signal strength then maybe a mobile phone si the way to go as it woudl be cheaper than £82 per month or do you mean a quarter. Perhaps she shoujdl have an Anytime package attached bringing the phone bill down to about £17 per month. I think about £60 per week is about right for food due to increase of foodstuffs recently.

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Laura,

 

Do the bank statements show payments going out of her account for the loans in 2005 & 2007?

 

If so that may well give us some more ammo to throw at them.

 

As they now have provided the loan details for the 2006 loan you could start putting some calculations together for that one and perhaps submit a claim for all loans but with only figures for the 2006 loan, stating you are unable to provide figures as they have not provided the information in your SAR.

 

Personally I would also contact the information comissioners office and lodge a complaint against BOS for non compliance with the data protection act. This may take some time to get sorted and the ICO don't actually have any legal powers, but just might be the kick in the xxxxxx BOS need to hand over the information we need.

 

Invite other caggers to give their opinion, but I would do the calculations for the 2006 loan and submit a claim for all.

 

DJ

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  • 3 weeks later...
Laura,

 

It is quite possible they do intend sending further documents in a separate package. This often happens and I think from memory I received 4 different packages from Barclays when I sent a SAR.

 

You can either choose to hold tight until the 40 calendar days are up, or personally I would send them the first letter before action of which there should be a copy on the SAR sticky I referred you to.

 

Good luck

 

DJ

 

 

Their 40 days was up on the 6th March. The old lady is receiving letters nearly every other day from Blair Oliver Scott, despite BOS knowing full way the husband died last November and loan only being in the old ladys now as all this was changed at the bank which was also Royal Bank of Scotland. She is receiving a letter each to her and her dead husband which is most distressing I have complained to them about this and still the letters keep coming. Need to send the letter before action if I can find it.

 

Surely no attempt should be made to request payments on this account when only a partial SARS as been sent?

 

I have put a Letter Before Action together I assume this does got to Royal Bank of Scotland and not Shop Direct Finance (Catalogue) whom she applied for the loans with

Edited by Laura Cooke
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In the letter which came with the partial SARS it said they had been unable to locate any loan in the old ladys name yet they partially included a copy of PPI for 2005 loan taken out. And also the front of a loan agreement for 2006. So if they have no knowledge of a loan how come Blair Oliver Scott are sending letters non stop stating "Our Client Royal Bank of Scotland" want the loan money!!!

 

 

The old lady and her husband had 3 loans in the past of which one is meant to be from 2007 and still running they have sent bank account details as she was also banking with RBS I have changed her bank for her.

 

They say in their response I sent about being miss sold PPI that any information I have provided is not in relation to any loan with them yet they provided a partial copy of 2005 PPI in the SARS!!!!!

 

The loans were taken through Shop Finance Company Ltd which is her catalogue but RBS provided the loan, all letters sent about this loan I have addressed both to RBS and Shop Direct Finance at Chester CH883AN it`s all very confusing. Shop Finance Direct have never responded to any letters sent.

 

The old lady is also getting calls and letters from Blair Oliver Scott despite CAB writing to them and myself asking them to stop ringing and stop sending letters to the old ladys dead husband, a payment book I have found has Bank Of Scotland on it and also says Capital Bank

 

The old lady kept all paper work down to a fine art and I have asked her why she hasn`t got an agreement after 2006 loan she is adamant she had no other loan after the 2nd one (2005, 2006) yet she is being pursued for a current loan which she as no agreement for and by the looks of it no one else as the agreement for this either. I asked Shop Direct Finance for a copy of this current loan not had any response from them about anything

Edited by Laura Cooke
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The image in post No 5, item 2 states PPI.:-)

 

Don't know how relevent it is but the agreement in post No 3, where it states I wish to purchase HSPF Ltd Mastercare, the tick box and signature box are empty. I would read that as the insurance was NOT wanted.

 

As I say I'm still learning so just pointing out my observations! :-)

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Laura,

 

Do the bank statements show payments going out of her account for the loans in 2005 & 2007?

 

If so that may well give us some more ammo to throw at them.

 

As they now have provided the loan details for the 2006 loan you could start putting some calculations together for that one and perhaps submit a claim for all loans but with only figures for the 2006 loan, stating you are unable to provide figures as they have not provided the information in your SAR.

 

Personally I would also contact the information comissioners office and lodge a complaint against BOS for non compliance with the data protection act. This may take some time to get sorted and the ICO don't actually have any legal powers, but just might be the kick in the xxxxxx BOS need to hand over the information we need.

 

Invite other caggers to give their opinion, but I would do the calculations for the 2006 loan and submit a claim for all.

 

DJ

 

She got paid at the post office and paid her loan by payment slip already sent calculations in for 2006 you sent me figures reply was that they wanted to know which loan this referred to as they said I had given a current account number I wrote back to BOS and RBS and gave them all account numbers I have and asked them to sort it for all the accounts they have added PPI to. The old lady as not details of a 2007 loan and is adamant she never had another after the 2006 yet their is an account number for a 2007 account, the old lady as no details for this loan it`s laughable as the partial sars that as come states they can`t find any evidence of the old lady having a loan with them they then enclose a 2006 agreement with the sars but no 2005 agreement or 2007 she has had loans and does have a loan with them as BOS chasing her for the debt and it clearly says debt to RBS going to report them to FOS they misleading her

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The documents posted on first page don't have ppi on them, are these what the complaint is about? please clarify

 

Documents posted say on them (Insurance on loan) that is PPI either way it was miss sold they were over 73 when they took the loan any use on the loan was for people 70 and under

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It`s all very confusing and deliberately so by RBS it has Capital Bank on recent letters from Iqor, then Blair Oliver & Scott are also bombarding with same letters for same amount and Home Shopping Personal Finance who she started the loan off with as they are her catalogue now can anyone tell me this is ok it`s down right crazy that`s why I don`t know who to write to etc so I send similar letter to them all

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Documents posted say on them (Insurance on loan) that is PPI either way it was miss sold they were over 73 when they took the loan any use on the loan was for people 70 and under

 

it only says the life cover ceases at 70, the policy is meant for old people as its instead of ASU. I dont think it was mis-sold

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