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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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Hi all,

I've just had a reply from Cap1 re my CCA rqst, and subsequent rqst (as the first reply was to supply the new T&C's they're pushing on everyone).

Cap1CCAscan.jpg

If anyone would care to have a look for me, I would be very grateful.

 

thanks Perseus

 

(ps - I scribbled over the personal details, so to me, it looks like they have just copied the application form and sent it out. There was a reference number in the 'Customer Box', and at the very bottom of the page - but did not relate to the card account number.

This is literally all that I received, no other supporting docs, not two sided, no nothing at all. AND, there was also PPi on this account which was used, but on here was marked as no thanks! - strange.

 

 

Cant see any prescribed terms it is not in my opinion an enforceable agreement

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DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Perseus - this is an application form - not a CCA at all

STUFF MISSING IS = (I already had an answer to this thanks Pam!!)

1) The creditor's address is not shown

2) the line 'Credit Agreement regulated by the Consumer Credit Act 1974'

is meant to be a heading - shown prominently, not at the bottom of the page

3) The credit limit or how it is to be determined is not shown

4) A statement of how the rate of repayments is to be worked out is not

shown

5) The APR and how/when it may be varied is not shown

6) A statutory statement about the limit of liability for loss or misuse

of the credit card is not present

7) A statutory statement about the possibility of being able to claim

for faulty goods etc from either the trader or the credit card issuer as

per CCA s75 is not present.

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Perseus, the link is missing?

 

Guy's can we please get back on track!

 

As you know MS are in Criminal Default:-

http://www.consumeractiongroup.co.uk/forum/general/82841-angry-cat-morgan-stanley.html?highlight=angry+cat#post740352

 

I have reported the Offence to TS

MS are reliant on 1983 regs regulation 3

TS say that MS have not complied due to 1983 Regs reg 7

 

TS informed MS that they should write to me setting out their view and that if I had not received this communication within 10 days, then I should re-contact TS.

Well the 10 days are now up and of course I have not received anything from MS (I didn't think that I would!)

 

Tomorrow, I will ring TS and I really want to put the pressure on them.

Previously TS have stated that they will not, cannot prosecute due to a lack of established case law.

 

I have found the following:-

DTI v Lloyds Tsb

Office of Fair Trading v Lloyds TSB Bank Plc & Ors [2006] EWCA Civ 268 (22 March 2006)

and

wilson v secretary of state

House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

If any of you guys can come up with any brilliant ideas then I would be most grateful. If I can put TS into a position whereby they retreat...I need a plan.

 

AC

Hi AC

Is Pam helping you with this one?

 

I am a bit confused you are claiming penalty charges which have recieved the usual B,S reply but you are also claiming that the agrement is unenforceable is that right?

 

Like i say i would love to help but i need more information.

 

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thank you Peter and Elizabeth for your info.

Much appreciated.

 

Watch out Cap1, here we come...

 

:lol:

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Question;

 

A Gournsey registered company is chasing my daughter for a very small outstanding balance (£21 which is disputed). They are not registered with the IC, and I presume they needn't be, but if they do not need to adhere to UK law, what right would they have to pursue in a UK court?

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Hi

 

I can't remember if he has or not but the OFT doc 2003 on cancellable agreements has this paragraph in the section relating to copies that must be given when an agreement is first entered into:

 

The general requirement for copy documents is that one copy of the agreement (including, if applicable, a notice of cancellation rights) must be given or sent to the customer when the original agreement is given or sent to him for signature. A first copy is not required where the agreement is neither presented personally nor sent to the customer for signature – for example, a document which is also an application form that a prospective customer picks up from a shop counter or from a leaflet dispenser.

 

So I just urge caution in assuming that an application form cannot be an agreement! :confused:

 

Regards, Pam

hi Pam Uni

I was rather hurt to see that you doubted the existance of my correxpindence with the DTI so here is a sectionn of it that relates to the issue under discussion. If you wan't to view the full letter i will have to find it in the early stages of the loan company thread i have posted it a few times now.

DTI

RT Hon Ian McCartney MP

Minister for Trade Investment and Foreign Affairs

James Purnell MP

The Consttuency Office

Hyde Town Hall

Hyde

SK14 1AL

Dear James

“Thank you for your letter of 7th December on behalf of your constituent Mr Peter Bardsley of---------------------”

There follows some stuff about the section 77 requests not having to include a signature which is part of an ongoing dialogue we are having.

And continues

“Mr Bardsley describes a situation in which he was sent a copy of a company’s standard Terms and conditions when requesting a copy of a signed agreement form.

Just sending the terms and conditions is a breach of the ACT and the Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a true copy of the agreement.

If Mr Bardsley feels the rules are being flouted he should report the companies concerned to Trading Standards and the Office of fair trading. It is also a breach of the Act and the Regulations to send the application form rather that a true copy of the agreement.”

On the point that Mr Bardsley made on unscrupulous companies adjusting agreements………………………………………………………………………………………………………………..

Ian McCartney

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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After several letters and me stopping payments, Alliance & Leicester have final sent me a copy of my loan agreement. I sent the original request 12FEB07!

 

Anyway it is a genuine agreement, with signatures from both of us and the prescribed stuff. It also has the terms and conditions attached. In fact the loan account number is on all three pages. So they can get it right sometimes. Mind you the agreement is from April 2003 so am not that surprised.

 

Now have to tell payplan to start paying them again.

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A+L are actually v ghood at this, I'm planning on using their agreement copies as evidence in court of what others should look like!

 

:cool:

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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Good luck Perseus ;-)

 

You might want to see my thread (spiritgirl -v- various DCAs) and have a read (and a smile) at the conversation I had today, as it was actually with Capital One!

 

Thank you from me to Elizabeth and Peter for their very helpful advice on this thread - its very useful to me too x

 

Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Hi AC

Is Pam helping you with this one?

 

I am a bit confused you are claiming penalty charges which have recieved the usual B,S reply but you are also claiming that the agrement is unenforceable is that right?

 

Like i say i would love to help but i need more information.

 

Guy's can we please get back on track!

 

As you know MS are in Criminal Default:-

Angry Cat V Morgan Stanley Ms Cannot Find Credit Agreement

 

I have reported the Offence to TS

MS are reliant on 1983 regs regulation 3

TS say that MS have not complied due to 1983 Regs reg 7

 

TS informed MS that they should write to me setting out their view and that if I had not received this communication within 10 days, then I should re-contact TS.

Well the 10 days are now up and of course I have not received anything from MS (I didn't think that I would!)

 

Tomorrow, I will ring TS and I really want to put the pressure on them.

Previously TS have stated that they will not, cannot prosecute due to a lack of established case law.

 

I have found the following:-

DTI v Lloyds Tsb

Office of Fair Trading v Lloyds TSB Bank Plc & Ors [2006] EWCA Civ 268 (22 March 2006)

and

wilson v secretary of state

House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

If any of you guys can come up with any brilliant ideas then I would be most grateful. If I can put TS into a position whereby they retreat...I need a plan.

 

AC

 

Nobody is helping me, I am battling (this one) on my own.

 

The first link was just to show the MS Defence re: claiming back charges: the defence clearly stated that MS could not locate the alleged Agreement in 2006

MS to date, is unable to provide the Agreement requested last July 2006, MS breached CCA 1974 S78 in August 2006, thus committed an Offence at that time...MS are still in Criminal Default of the CCA 1974.

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-272.html#post705004

 

Tomorrow, I intend to put extreme pressure on TS to prosecute MS...All that I asked the forum was for any extra ammunition.

 

An exasperated and very scratchy Cat.

 

God, I wish that I was a Barrister, I know that there is an established case law somewhere that would enable me to make TS prosecute.

 

AC

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Good luck Perseus ;-)

 

You might want to see my thread (spiritgirl -v- various DCAs) and have a read (and a smile) at the conversation I had today, as it was actually with Capital One!

 

Thank you from me to Elizabeth and Peter for their very helpful advice on this thread - its very useful to me too x

 

Spiritgirl x

 

Spiritgirl,

 

I just had the info to hand as another board member had helped me previously etc.. - that agreement was the same as mione so same stuff would apply etc..

 

I shall come and look for your thread - CAP1 are hilarious!! :lol: I haven't had so much fun in ages as watching this company talk so much rubbish - they need to admit they are wrong and stop abusing the court system - they know they'll never appear in court and tell a Judge why they are doing the stuff they are doing :grin:

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Good luck Perseus ;-)

 

You might want to see my thread (spiritgirl -v- various DCAs) and have a read (and a smile) at the conversation I had today, as it was actually with Capital One!

 

Thank you from me to Elizabeth and Peter for their very helpful advice on this thread - its very useful to me too x

 

Spiritgirl x

 

Thank you Spirit, I'm just about to read it now.

 

Pers

:-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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hi Pam Uni

I was rather hurt to see that you doubted the existance of my correxpindence with the DTI so here is a sectionn of it that relates to the issue under discussion. If you wan't to view the full letter i will have to find it in the early stages of the loan company thread i have posted it a few times now.

 

DTI

RT Hon Ian McCartney MP

Minister for Trade Investment and Foreign Affairs

 

James Purnell MP

 

The Consttuency Office

Hyde Town Hall

Hyde

SK14 1AL

 

Dear James

 

“Thank you for your letter of 7th December on behalf of your constituent Mr Peter Bardsley of---------------------”

 

There follows some stuff about the section 77 requests not having to include a signature which is part of an ongoing dialogue we are having.

And continues

 

“Mr Bardsley describes a situation in which he was sent a copy of a company’s standard Terms and conditions when requesting a copy of a signed agreement form.

Just sending the terms and conditions is a breach of the ACT and the Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a true copy of the agreement.

 

If Mr Bardsley feels the rules are being flouted he should report the companies concerned to Trading Standards and the Office of fair trading. It is also a breach of the Act and the Regulations to send the application form rather that a true copy of the agreement.”

 

On the point that Mr Bardsley made on unscrupulous companies adjusting agreements………………………………………………………………………………………………………………..

 

 

 

Ian McCartney

Peter

 

HI Peter

 

I wasn't doubting you - I just wanted to point out the part in the OFT 'cancellable agreements' doc that seems to conflict with this. :confused:

 

Also there is still the fact that a court has discretion to enforce ANY document that contains all of the prescribed terms and the debtors signature, as per s127(3).

 

So, IMO there is no room for complacency over application forms until this gets tested properly in a court case.

 

That's my view anyway!

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Perseus, the link is missing?

 

Guy's can we please get back on track!

 

As you know MS are in Criminal Default:-

http://www.consumeractiongroup.co.uk/forum/general/82841-angry-cat-morgan-stanley.html?highlight=angry+cat#post740352

 

I have reported the Offence to TS

MS are reliant on 1983 regs regulation 3

TS say that MS have not complied due to 1983 Regs reg 7

 

TS informed MS that they should write to me setting out their view and that if I had not received this communication within 10 days, then I should re-contact TS.

Well the 10 days are now up and of course I have not received anything from MS (I didn't think that I would!)

 

Tomorrow, I will ring TS and I really want to put the pressure on them.

Previously TS have stated that they will not, cannot prosecute due to a lack of established case law.

 

I have found the following:-

DTI v Lloyds Tsb

Office of Fair Trading v Lloyds TSB Bank Plc & Ors [2006] EWCA Civ 268 (22 March 2006)

and

wilson v secretary of state

House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

If any of you guys can come up with any brilliant ideas then I would be most grateful. If I can put TS into a position whereby they retreat...I need a plan.

 

AC

 

 

Hi AC

 

I'm almost in the same boat with MS, not quite as far as you though.

 

they sent me a crap application and admitted as much, and when challenged came back with the same reg 3 argument. Ive told them to put up or shut up, and am waiting for a response.

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Interesting development regarding my section 85 claim. I've just received a phone call. The cheque is on its way.

 

Paul

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

Winston Churchill

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yes please

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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HI Peter

 

I wasn't doubting you - I just wanted to point out the part in the OFT 'cancellable agreements' doc that seems to conflict with this. :confused:

 

Also there is still the fact that a court has discretion to enforce ANY document that contains all of the prescribed terms and the debtors signature, as per s127(3).

 

So, IMO there is no room for complacency over application forms until this gets tested properly in a court case.

 

That's my view anyway!

 

Regards, Pam

 

Hi Pam

 

I see no contradiction between what is in the Cancellation leaflet where it refers to an agreement beeing used init's unexecuted state as an application it requires two sigs and has all the terms to become correctly executed.

An application can not be executed as it would only have one signature the signature of the applicant and would not be acceptable.

My opinion the DTI 's opinion can't say any more we will agree to differ.

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi AC

Is Pam helping you with this one?

 

I am a bit confused you are claiming penalty charges which have recieved the usual B,S reply but you are also claiming that the agrement is unenforceable is that right?

 

Like i say i would love to help but i need more information.

 

Guy's can we please get back on track!

 

As you know MS are in Criminal Default:-

Angry Cat V Morgan Stanley Ms Cannot Find Credit Agreement

 

I have reported the Offence to TS

MS are reliant on 1983 regs regulation 3

TS say that MS have not complied due to 1983 Regs reg 7

 

TS informed MS that they should write to me setting out their view and that if I had not received this communication within 10 days, then I should re-contact TS.

Well the 10 days are now up and of course I have not received anything from MS (I didn't think that I would!)

 

Tomorrow, I will ring TS and I really want to put the pressure on them.

Previously TS have stated that they will not, cannot prosecute due to a lack of established case law.

 

I have found the following:-

DTI v Lloyds Tsb

Office of Fair Trading v Lloyds TSB Bank Plc & Ors [2006] EWCA Civ 268 (22 March 2006)

and

wilson v secretary of state

House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

If any of you guys can come up with any brilliant ideas then I would be most grateful. If I can put TS into a position whereby they retreat...I need a plan.

 

AC

 

Nobody is helping me, I am battling (this one) on my own.

 

The first link was just to show the MS Defence re: claiming back charges: the defence clearly stated that MS could not locate the alleged Agreement in 2006

MS to date, is unable to provide the Agreement requested last July 2006, MS breached CCA 1974 S78 in August 2006, thus committed an Offence at that time...MS are still in Criminal Default of the CCA 1974.

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-272.html#post705004

 

Tomorrow, I intend to put extreme pressure on TS to prosecute MS...All that I asked the forum was for any extra ammunition.

 

An exasperated and very scratchy Cat.

 

God, I wish that I was a Barrister, I know that there is an established case law somewhere that would enable me to make TS prosecute.

 

AC

 

HI AC

 

Could you pm me a synopsys of your case and the replys from ms and ts.

 

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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