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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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gentlemen and ladies,

can some one please answer one question, is the rules the same for a person who trades under his own name and has a cca contract which very clearly states ' customer account application form '

which is only a photo copy and does not match the form when laid out.

It also states a 'Chip and pin card' I never had a chip and pin card .

If thing I can do?????

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Heres a thought that some of you might like to ponder

 

All the LOA I have received have been sent by the DCA not the OC....even those on the OC headed paper have come from the DCA....I just wondered how this might stack up legally and whether the OC has a legal right to notify....

 

If this is the process then any SAR to the OC would show that this was never sent and may make a resonable defence say should the DCA produce a legal CCA....

 

Any thoughts?

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Hi folks,

 

I've added my two pennethy to this thread regards monument response to a S78, please take a look and add as required:

 

HERE

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Hi folks,

 

I've added my two pennethy to this thread regards monument response to a S78, please take a look and add as required:

 

HERE

 

That post got me thinking :)

 

S.77 for example says (as we all know)

77 Duty to give information to debtor under fixed-sum credit agreement

(1) The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor

showing, according to the information to which it is practicable for him to refer,—

(a) the total sum paid under the agreement by the debtor;

(b) the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

© the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

Now a 'copy' is quite clearly defined in S. 180 of the Act para 2 of s.180 states

(2) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document— and references in this Act to copies shall be construed accordingly.

 

(a) is not satisfied unless the copy supplied is in the prescribed form and

conforms to the prescribed requirements;

(b) is not infringed by the omission of any material, or its inclusion in

condensed form, if that is authorised by regulations;

IMHO, what that says is that any copy must be in the prescribed form and contain all the prescribed terms otherwise the copy is deemed not to have been sent.

 

So, with S.77 para 4 stating

 

(4) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement; and

(b) if the default continues for one month he commits an offence.

Surely this precludes any creditor applying for enforcement until they comply with a S.77/78/79 request .....

 

Or am I missing something .....

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just started a new thread entitled littlewoods/cabot and attached copy of so call credit agreement. anyone who wants to have a look and comment or advice are welcome to do so. cheers:cool:

 

 

This is andrewman's link

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/138070-littlewoods-cabot.html

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Thanks citizenB your help is much appreciated. cheers8-)

 

Thank you , that was kind of you to tip my scales. {{}}:)

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That post got me thinking :)

 

S.77 for example says (as we all know)

Now a 'copy' is quite clearly defined in S. 180 of the Act para 2 of s.180 states

IMHO, what that says is that any copy must be in the prescribed form and contain all the prescribed terms otherwise the copy is deemed not to have been sent.

 

So, with S.77 para 4 stating

 

Surely this precludes any creditor applying for enforcement until they comply with a S.77/78/79 request .....

 

Or am I missing something .....

 

No, that's spot on, IMHO anyway...

 

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Surely this precludes any creditor applying for enforcement until they comply with a S.77/78/79 request .....

yes it is what it says whilst in default they are compelled to act within the agreement terms to comply by dealing with you direct and not passing off data to other parties,this usually the case when you do contact a third party for a sar request or CCA they usually pass the debt back to the OC.... IMO

patrickq1

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Sent off my £1 postal order to Monument for a copy of the CCA and received the following reply>>>>

 

"The agreement we have enclosed in this letter is a copy of your credit agreement which we are providing to you in accordance with our obligations under the requirements of section 78(1) of the Consumer Credit Act 1974 (as ammended) (the CCA). Section 78(1) requires that we provide you with a copy of your executed agreement within 12 days of receiving your request for such a copy and upon the payment of £1.00"

 

"It is perhaps worth us explaining a little about the "copy of the executed agreement" section 78(1) requires us to provide to you. "Copy" for the purpose of the CCA does not refer to an exact copy of the agreement you signed. We are therefore not required by the CCA to provide you with a photocopy of the agreement showing your signature. Section 78 requires us to provide you with a copy of the agreement that looks like the one you signed but which has been updated to contain the terms and conditions which currently apply to your agreement (rather than those which applied at the time you signed the agreement) Importantly, the copy is not required to include your name or signature".

 

"We hope that you are now satisfied with the documentation we have provided and that you will now recommence payments on your account"

 

Yours Sincerely

 

Naomi Wort.

 

All that monument have sent along with the letter is Monument Visa Conditions and a copy of the Monument Conditions. Can anyone comment on the above reply from Monument and advise me on how i should reply to Monument?????

 

I have attatched what they have sent me.

Monument Visa Conditions0001.pdf

Monument 20001.pdf

Monument 30001.pdf

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I still cant get my head round this..... IF they are so sure of their position and have a copy of the original signed document, what, exactly is their problem in sending a copy to the debtor on request ?. Alternatively,

 

If they are so sure that the document IS compliant.. why do they not just haul us into court and settle it there and then. Instead they devastate the rain forest with their letter writing then sell the account on ?. Surely that in itself is dubious if in their heart of hearts they know the debt is unenforceable. Or am I just being naive ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No, that's spot on, IMHO anyway...

 

so.......

 

what exactly does 'prescribed form' actually mean?

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That post got me thinking :)

 

 

IMHO, what that says is that any copy must be in the prescribed form and contain all the prescribed terms otherwise the copy is deemed not to have been sent.

 

So, with S.77 para 4 stating

 

Surely this precludes any creditor applying for enforcement until they comply with a S.77/78/79 request .....

 

Or am I missing something .....

 

Regulations stipulate what is required to be contained in copy documents.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Surely this precludes any creditor applying for enforcement until they comply with a S.77/78/79 request .....

yes it is what it says whilst in default they are compelled to act within the agreement terms to comply by dealing with you direct and not passing off data to other parties,this usually the case when you do contact a third party for a S.A.R - (Subject Access Request) request or CCA they usually pass the debt back to the OC.... IMO

patrickq1

 

It does, IMO, too - a Judge may (wrongly!) decide otherwise, but that would give you decent grounds for an appeal, also IMO...

 

I still cant get my head round this..... IF they are so sure of their position and have a copy of the original signed document, what, exactly is their problem in sending a copy to the debtor on request ?. Alternatively,

 

If they are so sure that the document IS compliant.. why do they not just haul us into court and settle it there and then. Instead they devastate the rain forest with their letter writing then sell the account on ?. Surely that in itself is dubious if in their heart of hearts they know the debt is unenforceable. Or am I just being naive ?

 

Exactly - this is why we need to use the "put up or shut up" letter to force their hand.

 

so.......

 

what exactly does 'prescribed form' actually mean?

 

Paul answers this nicely;

 

Regulations stipulate what is required to be contained in copy documents.

 

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yes car and it will get worse with regards to information being asked for very soon,due to the goverment decision to remove the FOI ACT from the northern rock fiasco,you will find that the banks will use the same terminoligy when it comes to the POC if the goverment can use this why cant they it is only a matter of time before they do start using this as sensitive information likely to make them anti competative ?

patrickq1

ps...after all the goverment are now BANKERS(northern rock)

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Regulations stipulate what is required to be contained in copy documents.

 

need to look into this further but from what I've read the copy of the agreement that 'we' request under s77-79 does not need to be a copy of the original.

In fact the OC should, it seems, send the latest copy of the agreement including any variations to the original.

The OC may, if it wishes, insert the debtor's details on the form, but it does not need to, nor does there have to be a signature present on that form.

 

Both the following quotes are from Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983

There are the regs. that govern the form & content of copies of documents requested

 

3 General requirements as to form and content of copy documents

 

(1) Subject to the following provisions of these Regulations, every copy of an executed agreement, security instrument

or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act

shall be a true copy thereof.

(2) There may be omitted from any such copy--

(a) any information included in an executed agreement, security instrument or other document relating to the debtor,

hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the

Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed

agreement delivered to the debtor under section 63(1) of the Act, the date of the signature by the debtor of an

agreement to which section 68(b) of the Act applies);

 

7 Copies of agreements or security instruments where the agreement or security instrument has been varied

 

(1) Where an agreement has been varied in accordance with section 82(1) of the Act, every copy of the executed

agreement given to a debtor, hirer or surety under any provision of the Act other than section 85(1) shall include either--

(a) an easily legible copy of the latest notice of variation given in accordance with section 82(1) of the Act relating

to each discrete term of the agreement which has been varied; or

(b) an easily legible statement of the terms of the agreement as varied

in accordance with section 82(1) of the Act.

 

However, should it go to court then the OC would need to produce evidence to show that the debtor did in fact enter into an agreement.

 

They should also produce this in response to a s.a.r. request, but, it would seem, they do not need to produce it in response to a CCA.....

 

BTW I hope I'm rambling in the right thread .... tell me to go away (and point me in the direction where this would be more suited) if I'm not ;)

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need to look into this further but from what I've read the copy of the agreement that 'we' request under s77-79 does not need to be a copy of the original.

In fact the OC should, it seems, send the latest copy of the agreement including any variations to the original.

The OC may, if it wishes, insert the debtor's details on the form, but it does not need to, nor does there have to be a signature present on that form.

 

Both the following quotes are from Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983

There are the regs. that govern the form & content of copies of documents requested

 

 

 

 

 

However, should it go to court then the OC would need to produce evidence to show that the debtor did in fact enter into an agreement.

 

They should also produce this in response to a s.a.r. request, but, it would seem, they do not need to produce it in response to a CCA.....

 

BTW I hope I'm rambling in the right thread .... tell me to go away (and point me in the direction where this would be more suited) if I'm not ;)

 

Go away...

 

 

 

 

 

Just kidding!

 

They do have to provide a copy of the agreement - they claim the regs allow them to supply a "reconstructed" agreement to satisfy the Acts requirements, but the Act is clear that there must be a copy of the agreement provided, not a copy of a agreement. It's a play on words.

 

If they are right, you just ask the question "do you have a properly executed credit agreement, under the Act and the regs made under it?". If they don't, they should say so - or hide behind the regs again, hoping you'll give up.

 

Either way, they need a true certified copy of the original agreement, which is properly executed, to enforce or successfully defend a claim against them under s.142.

 

The trick is to request the agreement, then ask the right questions to back them in to a corner if they try to wriggle out of it.

 

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Does anyone know who the body is at the European HQ that we could complain about the OFT to?

 

I notice that the act states something about someone being fit for purpose as a licensee unde the act must comply with the EEC's criteria and so I might look to make a complaint to them.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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The legal basis for the enactment of regulations is article 249 of the Treaty establishing the European Community and, as such, regulations only apply within the European Community pillar of the European Union.

Article 249 In order to carry out their task and in accordance with the provisions of this Treaty, the European Parliament acting jointly with the Council, the Council and the Commission shall make regulations and issue directives, take decisions, make recommendations or deliver opinions. A regulation shall have general application. It shall be binding in its entirety and directly applicable in all Member States. A directive shall be binding, as to the result to be achieved, upon each Member State to which it is addressed, but shall leave to the national authorities the choice of form and methods. A decision shall be binding in its entirety upon those to whom it is addressed. Recommendations and opinions shall have no binding force.

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