Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • 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

New member big problems


Dave44
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6321 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

Hi I'm, like many others, new to this so not sure if I should post my problem here or on the BoS thread but here goes.

Several years ago I took out a loan with the Bank of Scotland which was paid by D.D.each month without fail until about the middle of 2004 when, due to being late paying in money to the account for the second time in six months, my bank refused payment of the D.D. and stopped future D.D.'s to the BoS. This was no problem I just continued to pay using Internet banking. During 2005 everything was not good work wise and I missed some payments but some months when I was able I paid a double amount (two months payments). To cut a long story short - Christmas - no money - no payments - letter from Blair,Oliver and Scott requesting payment of total amount £4764.99 followed by a phone call two days later. I explained that I could not pay the whole amount and offered £100 per month and was told this was not enough. Further phone calls asking why I hadn't paid. Told them I didn't know who to pay it too. July received letter with D.D slip attached. In further phone calls from them I asked for a payment book so I could pay cash in at a bank then in a further phone call during August the person told me they would accept an offer in total settlement and what could I pay immediately. I offered £1000 to which she replied "this is not enough, have a rethink and I will phone you back this evening" Needles to say I never received a follow up call. Next letter received giving formal notice of instruction by their client to begin court proceedings without delay unless I pay in full by the 9th September.

Now have received letter from Legal & Trade saying Capital Bank have issued my file to them with instructions to recover the debt. I also received a phone call from L & T requesting immediate payment. I explained that I didn't have £4000 and that I had made an offer to B,O & S. She told me that I now had to deal with them, so I offered £100. She then gave me bank account details and told me to pay the £100 today and then to call her. When I asked for her name she would only give her christian name.

Have read through much of the site but still not clear what to do next as I don't know if Blair, Oliver & Scott have bought the debt from the B.O.S. Also they refer to the Bank of Scotland while Legal & Trade refer to Capital Bank. Who should I request a copy of the agreement from? I am also not sure that I have had a default notice as I don't remember ever seeing one. Can I still request this from the B.o.S and most important of all am I likely to be too late with all this and find myself in court?

Any advice greatly appreciated

Dave44

Link to post
Share on other sites

Ok. Firstly, don't panic. They are trying to bully you into paying up.

 

Secondly, DO NOT DISCUSS THIS FURTHER ON THE PHONE.

 

Thirdly, write to them tommorow,(Legal and Trade), under the consumer credit act using this template, (amend it to suit your circumstances):-

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. While I do acknowledge a debt to Bank of Scotland, recent events lead me to believe there may be charges levied on the account which contravene The Unfair Terms in Consumer Contract Regulations 1999. As such, the amount is now in dispute.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

Further, under the circumstances, I am now formally requesting that all future correspondence be in writing only. If you continue to call your actions may constitute a criminal offence under section 127(2) of the Communications Act 2003 and your methods may prove contrary to section 40 of the Administration of Justice Act 1970. I will report such calls to the relevant authorities.

 

 

I look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Send it recorded delivery and keep copies of all correspondence from here on in, (including the recorded delivery slips you get). Also, remember to put a postal order/cheque in with the letter for £1.

 

We'll see what kind of response you get.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

P.S. Don't worry about court proceedings. If they are stoopid enough to take it to court they will have to show why they refused a perfectly reasonable offer of payment, (they know this and they also know that in doing so they would be unlikely to get the result they want. This is likely the reason why it hasn't gone to court yet). There is another approach to this if you are still paying interest but we'll take it one step at a time.

  • Confused 1

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Thanks Jimfishybob

 

Will get to it now and post by special delivery later as I believe this is more reliable than recorded delivery.

Thought I was the only one daft enough to be up at this time :)

Link to post
Share on other sites

Just thought - Legal & trade say Capital Bank not Bank of Scotland therefore in my letter sould I say I acknowledge debt to Capital Bank and not Bank of Scotland as in your template ?

 

Thanks again - a bit less worried Dave44

Link to post
Share on other sites

No, If your original loan was with Bank of Scotland then you should only acknowledge the debt to them.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Since sending a letter on the 21/09/06 requesting a copy of the Credit Agreement and that all communication was in writing I have again today had another phone call. As the person wouldn't say anything untill I gave my address I hung up on her.

I have now written the following letter. Is this all I need to do at this stage?

 

 

Legal & Trade Collections Ltd.

33.34 Winckley Square

Preston

PR1 3EL 29th September 2006

Dear Sir/Madam

Re: Account/Reference No. xxxxxxxxxxxxxxxxx

Further to my letter dated 21st September and sent by Special delivery to yourselves in which I made a formal request for all future correspondence to be in writing.

I have today received yet another telephone call from your employee called Ann.

I would be obliged therefore if you would communicate my request to your staff as should you continue to call your actions may constitute a criminal offence under section 127(2) of the communications Act 2003 and your methods may prove contrary to section 40 of the Administration of Justice Act 1970. I will therefore report all further calls to the relevant authorities.

 

Yours faithfully

Link to post
Share on other sites

It should do the job, I would ask that they remove your phone number from their records so as to ensure they are complying with your request.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Thanks jimfishybob have now added this to letter will post special delivery tororrow.

Probably everyone but me knew but I was told today that you can check on the Post Office web site when your special delivery was delivered. So may pay to print confirmation of delivery for possible future use.

Link to post
Share on other sites

Absolutely.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Sorry. Messed up me post.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Since sending the letters I have received several phone calls. Yesterday I received a call from 01772220126 the person asked me to confirm my address as he wanted to discus a personal matter. I asked who wanted my address and he said "Preston Call Centre" so I said "No what company wants it. He wouldn't tell me so I said I couldn,t give out my address without knowing who wanted it. He asked if this was my reply so I said yes and he hung up.

This morning (Wed.) I received two calls from 01772227600 but the phone only rang two or three times and then stopped before I could answer. This afternoon I received another call from the same 7600 number and I managed to answer it. Again asked for my address so I asked who wanted it. She said Preston Call Centre. I told her that this call was illegal as I had sent two letters requesting all communication to be in writing. She said that it wasn't illegal and that she was looking for my letter. She then asked if this was my answer and when I tolder her it was she hung up.

The question is, my letters were to Legal & General so should I now send a letter to Preston Call Centre if I can find their address. Is this just a way for L & G to get round my letters to them?

Hope someone can help

Dave

Link to post
Share on other sites

I am drunk, (and I lost money at my poker night), so bear with me.

 

Make sure you log all the dates and times of calls, this will help if you eventually have to go before a judge.

 

It would seem that they are pushing their luck and hoping you'll crack. You won't, you have done nothing wrong, up to press.

 

What date did they recieve the letter? It's possible it won't have filtered through to the relevant departments yet. We'll have to give them time to distribute your request. If after 10 days, (sounds like a reasonable time to me), you are still recieving calls a complaint to Trading Standards is in order.

 

Stick with doing what you are doing for now. If you recieve any written correspondence from them then let us know.

 

The alternative is to invite them to sue you, but this is possibly a discussion for another time.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

dave look at the name Blair Oliver Scott = Bank Of Scotland !

If it gets too much just ring BT tell them your receiving nuisance calls get your number changed that way youll ensure they gotta contact you by letter !

if my advice has been of any help to you then please click the scales ! Thank you :D

Link to post
Share on other sites

Thanks Jimfishybob, sorry you lost at poker better luck next time may be better to stay off the sauce. My letters were sent on the 21st and 29th. Sept. Have had another three calls today (all logged) third one left a message asking me to call back as matter was urgent. Is it possible Legal & Trade are using a call centre to get round my request not to ring? Have been unable to find an address for "The Preston Call Centre" so unable to write to them.

 

Paddym - can't change my telephone number as the ring on my company mobile.

Link to post
Share on other sites

Dave

The preston call centre is a place - not a company. If you get caught and answer them request firmly to talk to the supervisor they may be able to understand the legal position and the consequences

 

Good luck

 

J

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

Link to post
Share on other sites

Guest The Terminator
Thanks Jimfishybob, sorry you lost at poker better luck next time may be better to stay off the sauce. My letters were sent on the 21st and 29th. Sept. Have had another three calls today (all logged) third one left a message asking me to call back as matter was urgent. Is it possible Legal & Trade are using a call centre to get round my request not to ring? Have been unable to find an address for "The Preston Call Centre" so unable to write to them.

 

Paddym - can't change my telephone number as the ring on my company mobile.

 

Dave you could also use the Protection from Harrassment Act (1997) Section 1.

 

Prohibition of harassment. 1. - (1) A person must not pursue a course of conduct-

  • (a) which amounts to harassment of another, and

  • (b) which he knows or ought to know amounts to harassment of the other.

(2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3) Subsection (1) does not apply to a course of conduct if the person who pursued it shows-

  • (a) that it was pursued for the purpose of preventing or detecting crime,

  • (b) that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

  • © that in the particular circumstances the pursuit of the course of conduct was reasonable.

Offence of harassment. 2. - (1) A person who pursues a course of conduct in breach of section 1 is guilty of an offence.

(2) A person guilty of an offence under this section is liable on summary conviction to imprisonment for a term not exceeding six months, or a fine not exceeding level 5 on the standard scale, or both.

(3) In section 24(2) of the Police and Criminal Evidence Act 1984 (arrestable offences), after paragraph (m) there is inserted-

amdt-col.gif

  • "(n) an offence under section 2 of the Protection from Harassment Act 1997 (harassment).".

Interpretation of this group of sections. 7. - (1) This section applies for the interpretation of sections 1 to 5.

(2) References to harassing a person include alarming the person or causing the person distress.

(3) A "course of conduct" must involve conduct on at least two occasions.

(4) "Conduct" includes speech.

 

The above S7 is how section 1 is interpratated so as the way the law stands after the second phone call they have committed a criminal offence.Oh and don't let the bas*ards grind you down.

Link to post
Share on other sites

Thanks crust git, yes I gathered they were just a call centre but they must be ringing on behalf of a company so I requested that companies name which they refuse to give me.

I will ask for the superviser when they ring tomorrow as I'm sure they will and quote from the Protection from Harrasment Act.

Thanks Terminator I will print this off and have it with me when they ring 'cause they are certainly causing me distress phoning me at work,

Link to post
Share on other sites

Dear Mr. Bank of Scotland,

 

Please find enclosed copies of correspondence between myself and (whoever you sent the letters to), all of which were sent recorded delivery.

Despite my written request that all future communication be in writing, the agency representing you repeatedly flouts their obligations and continues to call in a misleading and unclear manner.

Since sending my request dated xxxxx I have recieved no fewer than xx phone calls, (the times, dates and outcomes of which are listed seperately for your convenience).

As you are no doubt aware, OFT guidelines state that you are responsible for the behaviour and actions of any agencies representing you in the pursuit of debt collection.

Please accept this letter as final notice that any further calls will be both ignored and subsequently reported to the relevant authorities, including but not limited to Trading Standards, The Office of Fair Trading, and OFCOM.

To clarify, I will not discuss this matter further on the telephone. However, such calls WILL trigger complaints to the relevant statutory bodies.

I trust I have made myself clear on this matter and you will inform your representatives of the same. Should you be in any doubt as to your obligations I recommend consultation with your legal counsel.

 

Yours faithfully.

 

balh blah blah....

 

Only send this if you are prepared to follow up on the threats or else you will put yourself in a much weaker position.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Since my last post several things have happened.

1) I've received over 28 phone calls on the mobile supplied by the company I work for.

2) The 12 days were up last Tuesday and I still haven't received a copy of the agreement.

3) I've received a letter from Legal & Trade

At the top of the letter it gives the amount of the debt and under this it states that the debt is to Capital Bank.

The rest of the letter goes on to say that I haven't kept up payments, if I don't bring this up to date I could face court action which would result in extra fees & costs. It also states that I have 72 hours to reply to this letter.

 

My questions are.

As they say the debt is to Capital Bank should I have sent my request for a copy of the agreement to Capital Bank and not, as I did to, Legal & Trade ?

 

 

With regards to the telephone calls do I just send another letter requesting all communication in writing ? I have sent two letters requesting this. The first with the request and £1 p.o. for a copy of the agreement and the second some 10 days later.

Link to post
Share on other sites

no you did right sending it to legal & trade. I had account with BOS and it went thru blair, oliver, scott and then to legal & trade. i cca'd L & T and still got phone calls. When they did speak to me they spoke over me and ignored my comments about the CCA, so next time they phoned I told them that the call was being recorded, they blustered about me not being allowed to do this (which you are) i simply said "I am and will continue to do so" i continued speaking and said that the debt was regulated under the consumer credit act 1974 and they had defaulted on my request and until they supplied the documents it was unenforceable. they were cheeky gits but i didn't get any more calls. Immediately after this I wrote to L & T and stated that they had defaulted on request etc and that they were breaching the OFT's guidelines. I also told them I was complaining to Bank of Scotland & OFT. at bottom of letter i put that I record all calls. I then wrote a letter of complaint to BOS saying that they had passed an account on when it was still in dispute and explained about L & T's conduct. I have never heard a peep from L & T since and am now in process of reclaiming all charges from BOS which are double what I owe them. I also got a grovelling letter of apology from BOS saying that they were very sorry and a lot more beside. so don't panic just stick to your guns, they even sent me letters saying letter before court action, but they are bullies.

Link to post
Share on other sites

At this point, I would complain to the people who you said you would complian to.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

Link to post
Share on other sites

Legal and Trade's call centre is in preston so it is the same company.

 

Blair Oliver Scott is bank of scotlands in house debt collection agency and Capital Bank is also part of Bank of Scotland.

 

Not sure I understand what problem is as it appears you have made a perfectly reasonable offer to settle the debt. Legal and trade are a debt collection agency so why would they refuse to accept the £100 per month?

 

All of the above "delay tactics" that may tie the agency up in knots for a while but in the end you will still end up in the same position having to talk to someone on the end of the phone who will set up an arrangement on the account, whatever method of how you repay it. Sounds like you are sensible in that you are not trying to deny you owe the debt or even trying to find some loophole to desperately trying to avoid the debt therefore why not have another go and try and call them again. If the person on the end of the phone is a moran either hang up and call back until you get someone sensible. Goodluck!

Link to post
Share on other sites

Have sent the following letter today by Special Delivery as this guarantees delivery by 1pm the next day.

 

 

Dear Mr Simon Williams

Re: Account/Reference No. 0xxxxxxxxxxxxxxxx

Please find enclosed copies of my correspondence to your office. Both sent "Special Delivery."

As you are aware this account is now in dispute and I still await the documents requested.

In my letter dated 21st September I requested a copy of the agreement and enclosed a £1 postal order being the fee payable under the Consumer Credit Act. I also requested that all communication was in writing,

In the second letter dated 29th September I again requested that all communication was in writing.

Despite my written request that all future communication be in writing the agency representing you repeatedly flouts their obligations and continue to call.

Since sending my request dated 29th September I have received no fewer than 37 phone calls the time and date of which have been recorded for future use.

This type of debt collection method is contrary to the "Administration of Justice Act 1970" in that it is intended to cause alarm and distress to the recipient. I therefore require you to remove any telephone numbers you hold for me from your systems.

I would be obliged therefore if you would communicate my request to your staff as should you continue to call your actions may constitute a criminal offence under section 127(2) of the communications Act 2003 and your methods may prove contrary to section 40 of the Administration of Justice Act 1970.

Please accept this letter as final notice that any further calls will be both ignored and subsequently reported to the relevant authorities, including but not limited to Trading Standards, The Office of Fair Trading and OFCOM.

 

* * *

I have already started writing my letters to Trading Standards and the Office of Fair Trading as I do not for one moment expect the calls will stop.

 

Thanks ecobabe and legalmick for your comments.

legalmick the reason I want a copy of the original agreement is because I believe additional charges have been added to the tune of about 25% of what they are now asking for. Having agreed £100 per month with Blair,O & S they said they would come back to me with an offer of full settlement. The next thing is phone calls from L & T saying that £100 per month was not enough etc. and a letter with a D.D. form attached. I have told them I will only pay by standing order or with a paying in book so I can pay cash at the bank.

 

I have answered two of their four calls today. The first time the phone only rang twice but I managed to answer just as the phone went down. The second time I answered but after a short silence the phone went dead on me.

 

I intend writing again to morrow to tell them they are in default. I see from reading on the site that others have requested a "deed of assignment" Should I have requested this when I requested the copy of the agreement? If so is it to late to request it now?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...