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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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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.

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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 posted the solicitor's reply for comments and discussion....it says that OD are covered by the CCA....

 

I have no idea how mr udy has done that!

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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Can you elaborate on that a bit, bfb? This is something I've been looking at today... see here.

user_offline.gifreputation.gif vbrep_register("654788") report.gif

 

 

If the bank takes money unlawfully it is they who must refund that to you

They cannot sell the responsibility to refund money that they should not have in the first place That is different to selling their right to recoup money owed to them Having said that if they do sell a gross debt that means they have sold an incorrect to the buyer so there is the question of data protection false defaults misrepresentation and much more and what can the buyer chase for when they have bought at best a pig in a poke If they chase for the gross amount then that is not acceptable

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Well, THAT should cause more than a little confusion between Cabot and Barclaycard then. I thin I'll just have to point out to Cabot that, if they want the cash, THEY will have to chase BARCLAYCARD for it.

 

Can I be bothered to do their homework for them? Hmmm. I suppose I'd better, so I have something to show it's not my problem. AND to prove incorrect data so I can get somebody hammered by the ICO.

 

This is so much fun!!!! :D

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Guest Battleaxe

Un1boy, Robert Udy has read my latest email, the phone calls started at 6pm and every 15 minutes the phone has rung. Can't afford not to answer it as it could be the doctor with the results from the CT scan. it's like living on the knife edge at the moment.

 

Thank you everyone who have pm'd me, I think I have replied to everyone.

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Guest Battleaxe

tp://www.consumeractiongroup.co.uk/forum/showthread.php?t=49648&goto=newpost

have a look and see if this applies to you

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Well, THAT should cause more than a little confusion between Cabot and Barclaycard then. I thin I'll just have to point out to Cabot that, if they want the cash, THEY will have to chase BARCLAYCARD for it.

 

Can I be bothered to do their homework for them? Hmmm. I suppose I'd better, so I have something to show it's not my problem. AND to prove incorrect data so I can get somebody hammered by the ICO.

 

This is so much fun!!!! :grin:

Seahorse - does this have any bearing on what we were mulling over this morning re. what I posted about the wording on my credit card mailer?

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Not really, LB. (Still haven't had anyone else's opinion on that tho, I notice.)

 

It was to do with a certain debt purchasing cabal claiming that the CCA doesn't apply to them, and their possibly operating under the Law of Property Act 1925. There was a ruling in the House of Lords, where it seemed to indicate that, in case of a dispute, you should chase the new creditor, where the Law of Property Act was being applied. It would appear that this is not the case where the dispute is down to payments being taken unlawfully by the original creditor, and so the new creditor should chase the old one for any shortfall.

 

I THINK that's what bfb was trying to get across.

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bfb,

 

Thanks for this, my secret squirrels came up with an email addy for their legal department and guess what got a reply and phone calls have stopped. I simply reminded them that being in default of Section 85 on both accounts really makes them naughty and that i was going to call in the legal honchos from the Veteran's Agency to issue an injunction on them for their harassment and made them aware by calling in government department they are really in deep doo doo. It's because of the seriousness of Kent's illness, that we are entitled to this. it's a reciprocal agreement between governments.

 

 

Well Done you!! These people need stopping as bullying and harrassment like this is way beyond the realms of collecting any debt!! The people who do these jobs should be ashamed of themselves!! I reckon it's time a few of these louts were hit for their wrong doing cause they are responsible for the misery they cause people etc.. It's a nasty way to earn a living?

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Guest The Terminator
Ok - DPA doesn't need to be mentioned and that bit covers it.

But how can they, in one part, say that they can transfer the rights to any organisation, and then say that only THEY or I can enforce it? So they can transfer the rights to another org. (DCA or another Bank e.g.) but that organisation can't enforce it?

 

Am I being very thick?

 

No you are not being thick you have done us all a favour.

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Thanks Term.:)

 

I would PLEASE ask you all to look at my post #4639 - it's what Term is referring to - and it's about what I have read in the small print of a "credit card mailer".

I am beginning to doubt myself on this thread now, as I think I've grasped something - or I think I've found something we've all missed, and someone comes along with an alternative point of view and I'm back to square one!

 

I know that's what this thread is all about, but I need to rest easy tonight:wink:

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OH DEAR OH DEAR !

 

Banks in unacceptable data protection breach

 

The Information Commissioner’s Office (ICO) has found 11 banks and other financial institutions in breach of the Data Protection Act after...

 

 

 

 

 

 

http://www.ico.gov.uk/upload/documents/pressreleases/2007/banks_in_unacceptable_data_protection_breach.pdf

 

THINK I'LL go around the back of my yorkshire bank tonight .......

people will ask !where have i bin !

:cool: sunbathing in juan les pins de temps en temps

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:lol: Aaahhh.... get it now - so when they write back in response to SAR saying they are needing to search through their archives, or they do not keep this type of information on file, we have to write back and say, please try searching again, and I suggest you do it in this order:

  1. All internal waste bins
  2. All wheelie bins or any other garbage receptacles located within a 2 mile radius of your office
  3. Any nearby skips currently being used by builders?
  4. Try the McDonalds rubbish bins that are around the corner from you
  5. Check with the council when it would be convenient for you to go and search through the contents of recently emptied LA rubbish bins
  6. Take a weekend to sift through the recycling sction of your municipal tip
  7. How about Shazza's desk..She may have used my statements as a makeshift plate yesterday lunch time?
  8. Look in all handbags/brief cases - did you write your shopping list on the back of my agreement?
  9. Might they be under that potted plant to catch the drips when you water it?
  10. How about looking on the back of the kids drawings on the fridge door - you may have mistaken my statements for scrap paper - but well done you for recycling them!!

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Absolutely brilliant LB, but please can you refrain from posting such shirt-busting humour whilst my cough/sore throat continues! It's just too painful!! :D:D:D:D

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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Fantasycharges - what they will actually say is

 

where you weely weely bin?

 

Thanks guys, a little humour lightens the load at times.

 

And while I'm here ( just for a change) if either of my two coven colleagues have time could you take a look at my post# 4639 about credit card mailers? Thanks muchly.

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Guest Battleaxe
I've just been re-visiting (yet again) one of my "credit card mailers"

Under the heading "Tranferring rights under this agreement" it says -

"We may transfer any or all of our rights or duties under this agreement to another organisation (including organisations outside the European Economic Area). If we do this, we may let them have any information about you or an additional cardholder. We may also arrange for any other person to carry out our rights or duties under this agreement. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974) will not be affected"

 

However, under the heading "General" it then says -

 

Nobody other than we or you can enforce (my italics)any part of this agreement, under the Contracts (Rights of Third Parties) Act 1999"

 

Now this seems a bit ambiguous to me - and I also note that there is no mention whatsoever on the mailer about the DPA.

 

Any comments....?

 

 

Looks like a challenge needs to be mounted to get their actual interpretation regarding this. The ICO states that any information is tranferred out of EU it has to be secure. So define secure?

 

This nobody other we OR you, so I think that precludes our right as being 'you'and gives the 'we' every right to do so.

 

A case of having your cake and eating it too?

 

Oh do you realise tomorrow is Ostara?

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What I don't get is they are saying they can transfer the rights - but then go on to say that only THEM (i.e. original provider) or I (i.e. little old me) can enforce it. So if they transfer the right - then whoever then owns it can't enforce it??? Get my drift?

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