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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • 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
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      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.

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NATWEST - joint OD, and separate personal loan lumped together by Moorcroft


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Hi Debs,

Been in respite (denial) for a while.

 

No word from Newman and co. following my dispute letter a month ago.

 

Sorry to seem dim, but do I need to SAR Natwest at this stage? Do you think that they are keeping the accounts open? I suppose if they have closed the accounts and are chasing an amalgamated account then it is a different ball game. Not done a SAR before.

Cheers,

Rocky

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Hi,

 

The SAR goes to the banks data controller, enclose a postal order for £10, and ask for all data on all the accounts, including any reference numbers being quoted by DCA's. Also ask for all credit agreements.

 

The data provided ( & they must comply) will reveal if your original accounts are still active.

 

Also, copy Customer Management Services on your SAR, this is the internal department of Natwest/ RBS/Triton ( don't send them any money), in your letter to them I want you to add a specific request for a copy of your Diary Event History, this is the recovery departments internal log, it records all internal & external communications about you & your accounts.

 

SAR to & enclose £10 postal order

 

Joyce E Tudor ( Data Controller)

Regulatory Risk

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

 

Also send a copy to, and also include letter requesting all data that this department holds, inparticular the Diary Event History.

 

The Recovery Manager

Credit Management Services

Kendal Court

Ironmasters Way

Telford

TF3 4DT

 

I suppose if they have closed the accounts and are chasing an amalgamated account then it is a different ball game.

 

Spot on. If they have closed the original accounts and replaced your indebtedness with a new account, they are screwed, as under consumer law they can only successfully litigate against you if they have a credit agreement. By closing the original account, the debt has ceased to exist. And as no documentation exists showing you entered into an agreement for the new account, the debt is "Unenforceable" under consumer law.

 

I would be very interested to know the outcome of your request, as according to the RBS this practice ceased in 2000.

 

Debs

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  • 1 month later...

Hi all,

 

Lulled into a false sense of security (ha) by the silence from NW, until today when 2 letters came from ScatCall threatening doorstep visits for each seperate account i.e. loan and overdraft account.

 

As my CCA request to Moorcrap was for the lumped together router account, the seperate accounts are not in dispute?

 

Guess I need to request CCA's for the individual accounts?

 

Advice would be appreciated.

Rocky

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What answer have you had re: the first CCA request for the lumped together accounts? Any? None? Are they out of time yet?

 

Snotcall are fools, top of the leader board.

 

IMO, there is nothing which is of an urgent nature here, it's only money.

So NW couldn't supply you with the CCA for the two debts lumped together? They have realised their mistake and now passed it to Snotcall to collect, and they have sent you two demands for the separate accounts?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka,

Moorcroft replied to my CCA request and returning my p.o. for £1 admitting that it the debt was unenforceable but was still owed.

They are out of time and I sent the dispute letter in February.

 

My CCA request was 14/1 and I got a default notice from NW for the loan account only on 18/1.

 

Since then its been passed to New man and now Scat call.

 

My dispute letter refers to the bulked account (ie the two accounts added together) so I guess it doesn't stand for each individual account?

 

Any thoughts please?

Rocky

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Ha ha, Moorcr@p still as delusional as ever brilliant!

 

No CCA= No pay.

 

And they will have to tread very carefully if they continue to pursue this without any paperwork, I would keep an eye on your CRF and look out for any of their mucky paw prints, then if they do place a default on their I'd report them to the ICO for investigation as they cannot provide proof of this debt nor your liability to it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Still wary about this one. Scatcall are chasing the two accounts individually, so reference numbers are the original account references and I haven't asked for my CCAs from the original two accounts.

One is a long standing overdraft and the other a loan, so they may have the loan agreement.

 

My dilemma is should I:

 

1) Just send an in dispute letter for each account? Technically, I suppose haven't disputed the individual accounts. The Moorcroft letter refers to a different reference number.

2) Ask for CCA's for each account?

3) See what Scatcall do next?

 

What would be best?

 

Cheers,

Rocky

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Just correct me if I'm wrong here, but Moorcr@p had it and can't supply the agreement?

 

They then passed it onto snotcall who have now started to use the correct ref numbers for the two accounts?

 

The overdraft IMO is nothing to worry about, that will be full of reclaimable fees and charges which would technically wipe out anything owed, if however you do know the exact amount you spent then all you need do is repay that amount and forget the rest, they will never go near a court to claim fees and charges.

 

Again the loan, which is covered by the CCA may well have fees charges and PPI you can reclaim, whilst the O/D falls outside of the standard s77,78 request it can still be fought.

 

I am thinking all you should send snotcall is http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency with a copy of Moorcr@ps letter saying they don't have the agreement, and see if they take the bait or come up with a reasonable answer.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka,

 

Yes,Triton merged the accounts and passed to Newman, who passed to Moorcrap who gave up; Scatcall are now chasing the two individual accounts.

 

I will send the dispute letter to Scatcall for the loan account as you suggest, and see what happens.

 

Cheers,

Rocky

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  • 2 months later...
  • 2 weeks later...
  • 3 months later...

Hi everyone,

 

Waste coat have been at it again. They claim that no request for cca received by client, send it again.

 

Original request was sent to Moorcrap who returned my p.o. and stated in writing (twice) that the account was "unenforceable".

 

Here is my contact history log:

 

30/08/2010 Letter from Triton demanding £9.4k. Phone us or pay up.

19/09/2010 Letter from Triton threatening a debt recovery agent to call.

19/09/2010 Letter to Triton: I am dealing with Natwest direct, not authoritsed to speak to you about it. Communicate in writing only, no doorstep visit or else. Posted 21/09

25/10/2010 Letter to Natwest: Can't pay anything, review in 6 months suspend interest?

04/11/2010 Letter from Triton 3/11 : We have been instructed by Natwest… interest will now be stopped….pay up or call us.

05/11/2010 Letter from Triton 11/11/10 demanding payment plus "despite our best efforts…£9.8k

12/11/2010 Letter to Triton: dealing with natwest, waiting for an answer, don't phone, don't call.

11/11/2010 Final notice of intent. Amount due £9.9k. (gone up). Pay in next 72 hours.

11/11/2010 Letter from Moorcroft; notice of intended litigation.

17/11/2010 Letter to mr and mrs from NW for OD and loan - answer to my complaint

15/12/2010 Letter from NW to me re OD.

14/01/2011 CCA request re client ref (new ref) (£9.9k) sent to Moorcroft with £1 postal order, 1st class recorded.

18/01/2011 Approx. date. Moorcroft replied returning PO and confirming unenforceable, but…

18/01/2011 Natwest replied with a default type notice for loan account 4k

15/02/2011 Raised on DAG - Moorcroft chasing £9.9k - letter from Midas legal services (part of Moorcroft) - Ring Moorcroft by 17/2/11 or may go to litigation

17/02/2011 Dispute letter to Moorcroft sent recorded delivery posted 17/02/11. Told them to inform Midas.

01/03/2011 Letter dated 23rd February 2011 from Moorcroft repeating unenforcable, but… On hold for 14 days.

09/03/2011 Letter from Moorcroft with a discount offer.If we don't get an agreement we may recommend legal proceedings without further notice.

15/05/2011 Letter from Moorcroft with one last attempt - discount offer. £9.9k

14/07/2011 Received 18/07/11. Newman & Co immediate action required letter.

28/07/2011 Received 28/07/11 Newman and Co Notice of Further action

28/07/2011 In dispute letter sent Ref (new ref) See what they do next.

21/10/2011 2 letters addressed to mrs from Scotcall threatening home visits for "your longstanding debt".... 1 x £6k and 1 x £4k RBS group.

24/10/2011 Letter to Scotcall: no home visit, no telephone contact.

23/01/2012 Letter from Natwest cms: Default notice. Payment required by 16/01/12? Date of notice 16/01/12. Received 23/01/2012.

27/01/2012 Letter from Wescot: Final Notice, or else.

11/02/2012 Letter to mrs from Nelson, Guest and Partners Solicitors. Offering discount if we negotiate with Wescot by 21/02/12

27/03/2012 Letter from Nelson Guest and Partners Solicitors. Wescot is still waiting for a realistic repayment proposal or litigation.

02/04/2012 Replied - in dispute letter as in Newman & co.28/07/11

18/04/2012 Letter from Wescot, no record of requesting a cca. You will need to send a letter direct to client along with £1 payment to request this.

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

I have copies of all letters.

 

Do I need to request my CCA again?

Should I copy the Moorcrap letter to Waste coat admitting no document?

 

Discounts have been offered (by DCs) as you can see from the above contact letters so I guess they won't go to court?

 

Grateful for any advice / support.

 

Cheers,

Rocky

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IMO I would simply send them the 'in dispute' letter and nowt else, you don't have to do their sleazy job for them,

Triton IS Cr@pwest, and I believe NG& partners are their tame fake sols.

 

You've done all you can IMO, you have all the evidence you will ever need to show any DJ, now would be a very good time to raise a complaint with the OFT&TS and the FOS, your getting nowhere talking to their computers.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for the details of your case Rocky and well said Bazooka. I'll most probably go down the OFT & TS route very soon, as the boys and girls at FatFest are a total waste of everyone's time. They keep sending me the same letter stating that they'll be in touch within the next 20 days with answers to all my complaints and account in dispute letter sent last Nov. This has been going on since Dec 2011!!

Just one question; does one have to raise both OFT & TS complaints together? If not, which one should be first? What about the Financial Ombudman Service? The strange thing is that FatFest actually suggest in one of their many 'will be in touch in the next 20 days' letters that I should go to the FOS if I'm unhappy with the way my complaint is being handled! What does that mean to you?! Don't bother with the FOS, as they're a complete waste of time, since they seem to act FOR the financial institutions in many cases brought in front of them?!!

Rgds.

radmm0

Edited by radmm0
Mis-spelling
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Don't bother with the FOS, as they're a complete waste of time, since they seem to act FOR the financial institutions in many cases brought in front of them?!!

 

From my own experience of the FOS, sadly I have to totally and utterly agree. An institution run by ex bankers and directly funded by the banks they are investigating.

 

Make the complaint, but under no circumstances expect your complaint to be upheld regardless of hoe strong your complaint.

 

Debbie xx

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You have done brilliantly.

 

I wouldn't bother with another CCA, I also think the 'This account is in dispute' letter is good enough. perhaps print off a few copies ready for the next moron DCA.

 

Debbie x

 

They have had the "in dispute" letter, so I was thinking maybe:

 

"I have copies of all my letters to NW and recorded delivery details of same. If you are not prepared to acknowledge your legal obligations then I consider the matter to be closed."

 

What do you think?

Rocky

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In my opinion RR, if they have already had that letter, and they are continuing to send you toddler group jokes then you need do nowt else, just lodge a formal complaint about them each and every time the little children send you a letter.

 

Seriously, I am of the belief that if you continue corresponding with eejits like DCA's, they will continue to send you all manner of false and empty threats, purely because they like to think they're having the last word, Ignoring them, unless you want to bait them and waste their money, is the only way to deal with them, you write one solitary response to their begging letters and they will hunt you down and shoehorn you into a debt you never had. (IMO)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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