Jump to content


  • Tweets

  • Posts

    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
  • 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

Santander/CCM issued claim for car finance on faulty DN/term - refused £1PCM sold it on


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4276 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

It does start to look like there are so many errors it's actually creating work to keep a proper track of them all to list them back.... not the kind of extra work you mind doing theough :razz: lol

 

Agreed, especially when it is a £4,000 loss to the DCA cowboys. though they probably only paid 10p in the pound for the account, i.e. £400

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

Link to post
Share on other sites

  • Replies 169
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

TBH I don't know. naomi mentioned it to me on the phone last night but I forgot about it while sorting out the pdf upload. It does appear there is nearly a £1k difference for some reason. A typo maybe ? Meant to mention this last night but with there being so many errors to keep track of lol.

Link to post
Share on other sites

There is sweet FA that will make any difference by Monday, Tuesday, or even Wednesday morning, it was just an observation........

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!

 

 

Link to post
Share on other sites

no problem let us know what they respond with

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

Link to post
Share on other sites

hi naomi, chances are your letters and the one you got today crossed in the post, or they have not yet read your letters as it can take a few days for them to process the content with their tiny little brains.

 

Just send them the following and include a reference to your previous to letters - http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

keep us updated.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

Link to post
Share on other sites

have today received a letter from the dca stating that they are sending a debt collector to my home address

 

Treat the imbecile like you would someone selling pegs!

They have ZERO legal right to be on anyone's doorstep demanding money, but for some reason they still think that using this very tired empty threat will have some sort of miraculous result. Just indicative of how inept & incompetent the people working for them really are.

 

Ignore them.

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!

 

 

Link to post
Share on other sites

Should letters of complaint to OFT, FAS, Consumer Direct and/or FOS about Santander's actions and CCM start to be sent now or wait until further down the line? Am I right in thinking that CCM, by purchasing the debt, would therefore be classed as associates of Santander and therefore their actions would also reflect back onto Santander or are they classed as a seperate entity in their own right and Santander not responsible for their actions?

 

What would also be the level of complaint in regards to passing personal information while being non-compliant to the CCA request? I have tried to find out as much as i can but can't quite figure out the responsibilities in this situation. If the CCM (who would now have received naomis' letter) passes any information on are in fact acting illegally now etc.

 

If, in the case of someone calling round, they don't desist and recall their 'agent', they are compounding their actions further by not ceasing all current activity in regards to chasing the debt?

Link to post
Share on other sites

The OFT&TS can be informed by calling Consumer Direct. http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

This should be done ASAP!

 

If you dispute an account, or the alleged amount they say is owing, then they have a clear responsibility to stop ALL collection activities until they have supplied you with a satisfactory response and investigated your complaint.

 

Any moron who then attempts to chase you for this alleged amount is clearly acting in breach of the OFT DC guidelines, for a start, and you DO NOT have to even give them any response, just report their pathetic puerile backsides to the OFT, TS and the FOS.,

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!

 

 

Link to post
Share on other sites

Hi Bazooka, should naomi make any complaint to Santnader or CCM first......or just make the complaint straight away through directgov to OFT/TS?

 

Should a complaint also go off to the FOS? (ignore.... just read link to do with FOS)

 

Found this link on the site for local contact numbers (not 0845 etc.) I hate calling those 0845 numbers lol

 

http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_196191

Edited by Always Struggling
Link to post
Share on other sites

  • 5 months later...

Hi, yesterday i received these letters through the post, after not hearing anything from the dca since May 2011. I am not sure what to do next? They have also phoned me twice Friday and yesterday and have told me that if i do not contact them in the next 5 days then they will take things further. Would just like some advice and what type of letter I need to send to them. Any help will be much appreciated

 

Many thanks

scan0009.pdf

Link to post
Share on other sites

Reading back over the situation, I think it might be an idea to make a SAR to them. Find out exactly what information they do hold at CCM. These letters would appear to be somewhat out-of-date, strange.

 

Santander never complied with CCA request, CCM obtained account when in unlawful rescission, CCM holding an invalid DN... perhaps have a look up of CRA's to find out if they have processed any info since they got the section 10 letter would be an idea. All would be evidence to show OFT/ICO/FOS that both Santander and CCM have little regard for their duties and responsibilities.

 

Personally, I would send SAR to CCM in the first instance, this should then confirm the paperwork they hold and use is invalid.

It shold also include a copy of your section 10 letter sent to them earlier this year, showing to ICO that they are blatantally ignoring the rules and guidlines in relation to data processing.

 

I would then send written complaints to OFT/FOS/ICO showing all the infringements committed by both Santander (failure to comply with CCA) and CCM.

 

If they continue to pursue the debt still after sending the information under a SAR I would then begin a claim of my own through court for breach of data protection.

 

In my opinion, by giving them a second chance, you are able to clearly show a court you have been more than reasonable and have tried to point the errors out which CCM would be ignoring and strengthening your case against them.

 

Maybe others would have a different approach naomi, just my take on it at present.

Link to post
Share on other sites

  • 2 months later...

naomi is having a problem with her pc and asked me to ask for advice:

 

She sent off a SAR to which she has had no response. She has now got a notification from the court with CCM applying for a ccj against her.

 

She doesn't (nor do I) know how best to respond.

 

The DN as posted initially is not currently enforceable, nor have they complied with the SAR.

 

What should she put in her response to the court? Date for reply is by Monday 13th in the first instance.

Link to post
Share on other sites

The N9(a) / N9(b) for court has to be back in by Monday 13th Feb - if someone could please give some advice on how best to proceed.

 

CCM have not yet complied with the SAR. The DN in it's current format is not compliant.

 

What she needs to know is how best to word the response back for a defence on the N9(b) to court .

 

Is the simplest thing initially to reply with the acknowledgment of service then look into the defence with faults on the DN and non-compliance of SAR over the next week or two?

 

Personally I think it best to acknowledge in the first instance to allow more time at least to check with folk here how much of a defence she has.

 

Can someone please advise :!:

 

Thx

Link to post
Share on other sites

Click on the black triangle to ask one of the site team if they can advise, unfortunately this isn't my area?

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!

 

 

Link to post
Share on other sites

The N9(a) / N9(b) for court has to be back in by Monday 13th Feb - if someone could please give some advice on how best to proceed.

 

CCM have not yet complied with the SAR. The DN in it's current format is not compliant.

 

What she needs to know is how best to word the response back for a defence on the N9(b) to court .

 

Is the simplest thing initially to reply with the acknowledgment of service then look into the defence with faults on the DN and non-compliance of SAR over the next week or two?

 

Personally I think it best to acknowledge in the first instance to allow more time at least to check with folk here how much of a defence she has.

 

Can someone please advise :!:

 

Thx

 

The Acknowledgment of service ("AOS") is the only form that requires to be completed at the present time (if naomi is Defending), fill out and cut along the dotted line. What date is stated on the N1 Claim form?

 

After filing the AOS, which should be undertaken within 14 days of receiving the claim (N1 Claim form), naomi will then have a further 14 days in which to prepare her Defence and file it to the Court.

 

I think this thread ought to be moved to the legal issues forum as proceedings are afoot.

 

Kind regards

 

The Mould

Link to post
Share on other sites

Sorry have not been on myself but having problems with my pc at the moment and cant afford to get it fix

 

Can someone please help me with regards to the points I am wanting to put down as my defence also which points I can use in my counterclaim I am not 100% sure so help will really be appreciated.

 

Non compliance of my CCA request sent on 28/4/2011 along with £1.00 postal order (need to contact Post Office with regards to confirmation of dates), nothing heard back from them.

 

Non compliance of SAR request sent on 10/11/2011 along with a £10.00 postal order (need to contact PO with regards to confirmation dates), again nothing heard back from this.

 

The default notice has an incorrect timescale - Can someone please just double check this for me?

 

The figures on the termination letter and the actual amount being claimed are different

 

Santander appear to have failed to comply with their own consumer guidelines, I made an token payment offer on 09/02/2011 but this was neither accepted or declined as never had a response back from them.

 

Can someone please tell me if the Notice of Assignment is correct?

 

Can someone please help me with help putting together my defence and counterclaim as not sure how to do this.

 

Any help will be very much appreciated

 

Thanks

Link to post
Share on other sites

Dont no if this will be any help but below is my POC.

 

An amount due under an agreement entered into by the defendant and Santander Consumer Finance that has been assigned to the claimant.

 

And the claimant claims:

 

1. 4049.81 Account No. XXXXXXXXXXXXX

2. 290.25 interest there on calculated as set out below to section 69a of the County Court Act 1984.

3. Further interest at the rate of 0.89 per day (8.00% p.a) from the date here of until judgement or earlier payment

Invoice Invoice Invoice Rate Interest

Number Date Amount (%) ( )

SHORTFALL 07/03/11 4049.81 8.00 290.25

 

 

Link to post
Share on other sites

Pretty sure the CPR should be asking for your agreement and notice of assignment.

 

I don't think there is anything else you can ask for. (someone should confirm this)

 

Not sure on the interest part of the claim being added or how legit that is.

 

Can you confirm the date on the papers you got from the court please.

I think you have 5 days + 14 to acknowledge (which you have done already) then a further 14 days to enter your defence.

 

Working on 31st Jan as in post above, 14 days + (5 for post) AoS by 19th Feb. followed by further 14 days (it would be 4th March to get defence in by :???: need this checked, personally I would probably phone the court and get a definate date for your defence to be submitted by :-)

 

Hopefully someone will be on the thread to confirm what I have put.

 

Have a read up on these links for similar threads to your own situation, the first link (post #25) has an template for your CPR, edit accordingly with your own info required (agreement and NOA)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?336375-Court-claim-received-Please-help/page2&highlight=non+compliance+defence

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?328237-Help-please-court-case-against-mbna-**-first-ever-**/page2

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?293934-Courts-action-HSBC-via-DG-with-invalid-Default-Notice-and-no-signed-CCA-%28HSBC-letter-saying-cca-not-available%29/page2&highlight=no+cca+defence

 

Have a look through those as there are similar points being made as your own.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...