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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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    • 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.

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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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I have a very hypothetical question which relates to the CCA.When does an "extortinate credit bargin" arise.For example Mr X has a Barclayshark card with an APR of 17%.Now Mr X goes out and spends £1000 and only pays the minimum amount each month its going to take him at least 15 years plus to pay it back.Now if we have got a mathamatican on the forum could he/she work this out bearing in mind one of the card providers tatics is to calculate the interest from different dates.

 

Terminator, I don't think you have a hope in hell of convincing a Court that

17% represents an extortionate credit bargain. Given that the criteria is

that either the payments are either "grossly exorbitant" or they they "grossly

contravene ordinary principles of fair dealing" ,it would appear that the claim

would fail on both counts. Especially as the vast majority of c/c companies

charge in and around that sort of percentage. And cards that offer lower

rates correspondingly demand that the customer has a higher disposable income or at least has less debt exposure relative to their income.

 

Other factors taken into account will be the fact that c/c debt is unsecured,

the levels of fraud incurred and the fact that there is a measure of

security offered viz a viz the guarantee in transactions over £100.

 

The problem with c/cs is not so much their interest rate, but the low minimum

repayment. Were that raised by even a couple of per cent, it may well

have a dramatic effect in lowering the repayment time.

 

And as another Judge rightly remarked [not sure if it was in the Wilson case]

if the lender doesn't feel that he is getting sufficient return for his money in

relation to the risk involved, then he won't lend.

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I think terminator was just using that as a illustration.

I have in my work with the credit union come across companies that wee opperating on an APR of 350%.

 

How do they get away with it ? they get away with it because the people that they lend to can't afford to make a complaint.

 

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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Interestingly enough and even though I made a Formal Complaint re unfair charges - meaning that I was in Dispute with a cc company (MBNA) my interest rate was hiked up to 24.9%. Please note, just under 25% but only just.

CC companies raise the interest rate even when you miss one payment, as they consider one a bad risk - this practice is caused 'International Default.

 

AC

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going off the subject a little bit, does the lender have to supply a copy of the terms and confitions to satisfy a 77-79 request?

 

Or is it only the agrrement?

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Guest DEATHLORD

Hi

The grounds for extortinate credit rate is one the OFC looked at some time ago and found in the browers and some companies had to lower their rate.

The reason as some one has said before the way these companies get away with 290 to 350% is becuase they could not complaine before but NOW they CAN and are doing so.;)

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Guest The Terminator
going off the subject a little bit, does the lender have to supply a copy of the terms and confitions to satisfy a 77-79 request?

 

Or is it only the agrrement?

 

The agreement should have the terms and conditions written into it and signed by both parties.

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Thansk terminator -s o in the cases where I have been sent an agreement but no sniff of the T&C's, then they have failed to comply with my sec 77-79 request?!

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest The Terminator
Thansk terminator -s o in the cases where I have been sent an agreement but no sniff of the T&C's, then they have failed to comply with my sec 77-79 request?!

 

Thats correct they have not met the requirements of S78

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account 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,—

it's the wording any other document but sending the T&C only doe's not meet the requirements of this section of the Act.

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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,—

 

 

I've extended your underlining a bit Terminator,

 

un1boy, if any (or all) of your agreements refer to 'terms and conditions', then that cements the argument and you have them over the proverbial barrel!

 

Well done Terminator, more ammo!:)

 

Elsinore.

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Thanks so much guys!!!

 

All I have been sent is agreements which mention the terms but I don't have a copy of any of them!!!

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Hi

The grounds for extortinate credit rate is one the OFC looked at some time ago and found in the browers and some companies had to lower their rate.

The reason as some one has said before the way these companies get away with 290 to 350% is becuase they could not complaine before but NOW they CAN and are doing so.;)

 

Cheers for that Deathlord. How is your own case coming on?

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Hi all

Should then the template in the Debt and Bayliffs forum (which a lot people use ) be amended to take into account what has just been said.

 

ie: actually quote the Act itself so there can be no misunderstandings.

 

AL:)

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Uniboy, The copy of the T&Cs you want is the one that was in force when you signed the agreement, not the current ones.

 

Oh my, Oh my - I have not been sent ANY terms and conditions for any of them!!!

 

That means that all the ones I thought hadn't defaulted have!!!

 

And their letter said, we look forward to receiving your payments!!

 

the cheeky a-holes!!

 

Oh my god.....

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Oh my, Oh my - I have not been sent ANY terms and conditions for any of them!!!

 

That means that all the ones I thought hadn't defaulted have!!!

 

And their letter said, we look forward to receiving your payments!!

 

the cheeky a-holes!!

 

Oh my god.....

 

You have to give them full marks for trying lol.

 

A CCA request under 77-79 should include any other document referred to in the agreement. That includes terms and conditions, which are the only thing that allows them to modify the agreement at any time ( like rate changes or to include penalty charges lol).

 

Those terms and conditions MUST be those in force at the time of signing the agreement. for exactly the reason given above.

 

I have also recently discovered that sending T&C in response to a CCA request and no agreement is an offence in itself, just as an agreement without T&C's.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Well I must say, 2007 is going to be a very interesting year for my lenders - I best get writing, eh?

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest The Terminator
Well I must say, 2007 is going to be a very interesting year for my lenders - I best get writing, eh?

 

Well Im expecting a very nasty letter back from a DCA this week.I'll give em try and intimidate the Terminator their nightmare only just starting:D

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Hehe, well keep us posted!

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

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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I'm expecting a nasty 'You've got to be joking' letter back very soon from my good friends at Barclaycard :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I'm expecting a nasty 'You've got to be joking' letter back very soon from my good friends at Barclaycard :D

 

 

PM me / post it up whren you get it. Im expecting one by the 20th ;)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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CC companies raise the interest rate even when you miss one payment, as they consider one a bad risk - this practice is caused 'International Default.

 

You're thinking of "universal default", where missing a payment with one lender causes your rates with another to increase. This practice is (indirectly) illegal in the UK.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Thanks so much guys!!!

 

All I have been sent is agreements which mention the terms but I don't have a copy of any of them!!!

 

Then they are stuffed. Just make sure that if they do come up with a set of T's & C's they are the ones in force at the time of the agreement. Later ones would be invalid..............unless you signed again

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If I've read everything right, they need to send the original terms, and also the current terms if they have changed since the original - they need to demonstrate the terms under which agreement currently exists, but also need the originals which include the bit saying that they may be altered.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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