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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cabot and Citi Card debt


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hi, i've had some good news today from one of the dca's which i made an agreement with ~5 years ago. it was originally an overdraft with royal bank of scotland and was handed on to bryan carter & co. i sent the cca letter registered and they got it on 21st june. didn't hear anything and they defaulted on the 7th july. this morning got a letter from them saying they have been instructed to take no further action against me and have closed the file. i am still waiting on the statements as i sent a dpa to royal bank at same time. now i'm wondering if i should just leave it at that. the only thing that would make me do any more is if there is a default on the account. there will be penalty charges on account, i think i owed them about £800 and last i heard it was at £2,000!!! so any advice, should I just leave it there or are there any loose ends i should tie up? I did wonder about asking them if this means that they don't have the original agreement so they shouldn't have been handling account. on another note to the poster above, send out the CCA letter that's on this forum, i used it and apart from one dca (using another 5 dca's to write to me as well), every single one has defaulted under the CCA and all of them have stopped phoning. so yeeha! they're on the run!

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you say you sent them a letter on 21st?

They actually have 30 days max to come up with papers......after 14th they cannot enforce but are not in default at that stage.

You will need to see who actually raised the default on your credit file.

You can send the bank a letter asking for removal theres temps in the site.

 

 

good result tho at this stage.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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he he imagine walking into court with your Sasco under your arm, and the Judge asking how you can be sure everythng is in order and the dates correlate etc

 

Well here is my chart m'Lud as you can see, I sent my DCA letter off to Barclays on XXX and here you can see their first attempt at fobbing me off, marked for calirity in RED and dated xxx and here you will be able to see a note about a letter I received stating they want to charge me £3 a statement, but wait a minute a few days later these statements arrive in the post here is the date xxxx, I remember it well as the postman had to take a week off work following that with a back injury I have noted it here!!!! see??? etc etc :D Oh and here we are now in court as per the date as shown on my chart, and you will notice anothere date marked in RED here that is when I expect Barclays to finally pay up!! :D simple really!!

 

So what makes you think you will win this Mr Martin....just a hunch ,m'Lud, just a hunch!! :D

 

QUITE TRUE,

 

Im not taking a briefcase with my stuff in I will need a tranny van

 

Then theres the other claim for distress.....I am taking a marriage guidance counciller as a witness..........the wife has started divorce proceedings citing adultery with the postmistress...........she reckons in the last few weeks I have spent more time talking to her !!

 

 

:o

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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no i don't know if they've registered a default. but they received my request on the 21st june so 12 working days takes it to 7th july, at which time they have defaulted under section 77-79 CCA and can't collect on debt til they supply info and by the 21st july the debt is unenforceable if the agreement hasn't been supplied. (i think?)

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Yes you are right on this.......actually what I said.

basically your account is now suspended for recovery action by that particular dca.......he has 14 days to provide this info otherwise the debt becomes unrecoverable there have been a few lately that have been sold on quite quickly following cca requests.

They clearly know that they will not be getting the docs required well before the 30 days........and are offloading them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin - the Trading Standards people have misinformed you. Under s.77(1) or s.78(1) of the consumer credit act, they have 12 working days to furnish you with the documentation. If they do not reply in 12 working days they are in default. After 30 days they have committed an offence. NOT 14 and 28 days.

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Anyone had any dealings with Scotcall a DCA for the RBOS ?

 

my son had a loan which I am sure was mis-sold he was only on £50/week at college and they gave him £1000 loan........Somehow it has grown to nearly £4000

 

I'm about to start a CCA just for fun, then a DPA in earnest

 

any views?

 

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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As always when dealing with this sort of thing.. unless the debt has been conclusively sold to a third party, the CCA request needs to go to the original lender - in this case by the looks of it RBOS. Might be worth sending a nice little note to Scotcall telling them you have disputed this with RBOS, and you will not correspond any further with them until the matter is resolved with RBOS.

 

Got both letters handy if you need them, PM me if you do.

 

Good luck!

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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As always when dealing with this sort of thing.. unless the debt has been conclusively sold to a third party, the CCA request needs to go to the original lender - in this case by the looks of it RBOS. Might be worth sending a nice little note to Scotcall telling them you have disputed this with RBOS, and you will not correspond any further with them until the matter is resolved with RBOS.

 

Got both letters handy if you need them, PM me if you do.

 

Good luck!

 

My cca for Scotcall went out yesterday.

Default against Rbs so yes exactly the same siyu as me.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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when i was trying to find out about complaining to trading standards about one of the dca's (1st credit), national debtline sent me facts sheets which are interesting, about the OFT's debt collectiion guidance. they also sent me a pro forma complaint letter with it

 

your home address

Date:

 

Mr Bill Johnson

debt Collection Team Leader

CRE2b

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

 

Tel: 020 7211 8742

Fax: 0207211 8429

Email: [email protected]

 

Dear Mr Johnson

 

I have been in touch with National Debtline(CAG?) who have advised me to contact you.

 

I wish to draw your attention to the activities of a company which may constitute unfair practice under the provisions of the OFT Debt Collection Guidance.

 

The details are as follows:

 

Company name and address:...........................................

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

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

 

 

Name of original creditor:.............................................

my account details:....................................................

 

Details of complaint:

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

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

...............................................................................(a full A4 sheet was left for this)

 

i wish to make this claim anonymously y/n

 

I am prepared to consent to the OFT contacting me further regarding the complaint y/n

 

I understand that the OFT will be unable to intervene in my particular case, but that my complaint may allow the OFT to take action that will prevent others suffering in the future.

 

yours sincerely

 

 

(your signature)

 

I fully intend to complain about every one of the dca's that i have dealt with because not one of them has complied with cca's(well they have but it's been misinformation) and many of them have several companies involved without informing me that it had been passed on. Maybe if we all complained to same person a pattern would emerge with the really bad dca's?

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Ecobabe you have the same resolution as me with these people.

What you say is absolutely spot on.

There needs a big concerted effort by all of us facing hassle by these.

 

Coupled with complaints to those who oversee their conduct (and are in a position to chastise them)

 

We should be able to make inroads towards curbing their nasty ways.

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry if this as been asked before, but I have a debt ( littlewoods ) now with moorcroft dca, I pay £5 per month ( £600 debt ) some time ago I asked them for a breakdown of charges, payments ect, all I recived was a balance.

Can I now send a request for all info, and if so which letter, and if they dont supply info can I stop payment.

I know its only £5 each month but its better in my pocket than theres.

Can anyone help.

Please.

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unbelievable Elsinore.........so for 4k you can get rich !!

 

Everyone likes to earn a few quid .....thats the fabric of our society if you dont earn some decent money ,then you will never have the 42" widescreen tv that your mate is bragging about aving.

But investing 4 grand in debt collecting ?

 

 

Takes a certain kinda person to go and do that.....We got some dcas and baliffs posting on here and they have tried to argue their case

 

But the bottom line is this

 

99% of people are genuine and do want to religously sort their debts out

and rely on people who are in position to help to do so

 

without franchised dcas in the frame.

 

 

I would rather spend my 4 grand on recorded del letters and dpa requests..................

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin.

 

Yeah, jaw-dropping, aint it?

 

I'm almost tempted to apply for the free no-obligation training day. The mind boggles at what they could possibly teach you in one day that could be of value (to you or the debtor!).

 

I wonder how much debt you would have to recover just to break even on the £4000 investment!! (Oh! silly me, I forgot the V.A.T. Make that £4700).:rolleyes:

 

Elsinore

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What training are they given, what qualifications do they train for, what Government regulated authority awards these qualifications, who regulates them etc etc???

 

I bet they run a day seminar getting you to sign up selling them the dream, then maybe a weeks course on how the threaten, cheat, lie, shout scream, make relentless telephone calls, Oh! and most importantly of all how to dream up extortionate fees that can be added to the debt.....the first thing they are taught to do is use a calculator properly, but they have a special one, it only has an addition and multiplication feature, no subtraction ;)

 

Why don;'t we all register for the free, no-obligation training day and go an gate crash them :) turn it all into a farce :D

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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What a brilliant idea Chris...........when and where is the next one?

 

Instead of staying in an hotel we could always ask Vamp to bring the communal b.a.g. tent...............

 

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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just sent cca to tenon and Scotcall dca's

 

I await with bated breath

 

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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Dave my cca will be landing on Scotcalls desk prob at same time as yours.

 

:p

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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What a brilliant idea Chris...........when and where is the next one?

 

Instead of staying in an hotel we could always ask Vamp to bring the communal b.a.g. tent...............

 

 

 

:rolleyes:

We could do this both ways, go en mass and really upset, annoy and disrupt them and also go undercover and weedle out of them whatever we could.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Hmnnnn a sobering thought.

 

Would be more action than a Bush v Putin G8 summit.

 

 

I didnt know Putin had that humour in him.............some of his comments could have quite easily come from one of Peter Kays scriptwriters.

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Royal Bank of Scotland closed my account years ago and passed on the debt (mainly their charges to a debt collection agency). Anyway, I've been paying them £50 month for a few years now.

 

Sent request to RBS for a refund of the charges, then sent a DPA letter with £10. They have responded stating that they havent taken any charges from me in the past 6 years. So does anyone know where I should go from here. They appointed some solicitors in Preston (tel 01702 460041) to collect the debt which I'm still paying.

 

Thanks

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SaudiMail, if you can give us some more facts it will help to establish the current status of this debt.

How much did you owe RBS when they closed the account?

Who are the DCA/solicitors?

Do you know how much you have paid them?

Have you got any letters. statements, demands, etc?

 

It looks like RBS are using the Limitations Act to get rid of you. They might be right, but others with more knowledge of this subject will have to comment.

 

Surely, the first thing to establish is whether or not you should still be paying off the old debt!!

 

Elsinore

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