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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Topcat72 v Citicards


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have just posted my SAR, so started a thread just in case i need any help in the future...

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

have also CCA'd 1st Credit who they passed the debt over to.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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well theres a relevant post!!!!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 4 weeks later...

still nothing form either Citi or !st Credit. Citi do have another 10 days or so to reply to the SAR, but 1st Credit are now in default. CCA Account in Dispute letter to go tomrrow, and payments have been stopped.

 

an it turns out that the £1200 Lloyds quoted was actually £4100! it was £1200 or so for each account i had, totalling £4k!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 4 weeks later...

Decided to ring them to find out why I hadnt heard anything from them, and it turns out they sold all their credit card business to Opus, even the accounts that had already been sent off to a DCA.

 

I've sent a SAR to Opus and raised a complaint with Citi asking why they didnt return by postal order if they knew they didnt have my records.

 

And as far as the DCA is concerned, they failed to respond in any way to a CCA request so theyve had the letter putting my account into dispute. Still havent heard anything but I expect I will once they realise i've also cancelled my direct debit.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Citi one should really have passed on your SAR to the new data owner I would have thought :-(

 

As to the s77/s78 request you'll probably receive a letter next week stating that they are trying to get the agreement back from the OC (good luck on that, this is Citicards after all :)) but it'll state clearly you should continue paying otherwise they'll mark your credit file accordingly.

 

S.

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my response would be to let them mark it! my credit record is screwed up enough as it is, one more entry wont make any difference :-)

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Have got a letter from Opus saying that they either didn't take the data in the first place, or if they did, they don't have it now.

 

So it was back to Citi to find out whether my data was transferred or not. When I rang them and I given a number for Citi Financial who I'll ring tomorrow, as they keep office hours only

 

Are there any legal limits on how long they have to keep the data for? I know they bang on about a 6 year limit, so assuming I have data from within that period, should i expect it to be held somewhere?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Data should be retained for 6 years after the account is closed according the money laundering regulations.

 

The company that is currently marking your credit file is the current data controller and imho the ones who should be providing all the info in regards a SAR, I think you should threaten Citi with a complaint to the ICO if they dont play ball and advise them you will be reporting both them and opus to the FOS as clearly neither of them are sure where the hell your account records are, shocking state of affairs imho.

 

S.

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after a phone call to Citis UK customer service department it turns out that not only did citi still have my original request, they also do still have my records. their excuse is that they are so snowed under they arent able to respond quickly enough to all the requests.

 

she also told me that because i have moved address since my account was moved to a DCA i will have to provide proof of my new address, and they also werent happy with the blank postal order i sent them, so id need to provide a cheque made out to citifinancial, and they will return my postal order.

 

im going to send them what they want, with a letter giving them 14 days to respond and provide my data, or i will be starting legal proceedings for non-compliance with my original SAR.

 

but at least i know who im up against now!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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but at least i know who im up against now!

 

Theyve never been fantastic at responding to a SAR, they will claim and the ICO will possibly back them up that the SAR applications 40 day timelimit doesnt start until they receive the full request..i.e the application, the form of payment and proof of address.

 

S.

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Fair enough! :-)

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

1st credit have replied, with a pile of statements. and a nice little surprise. a set of someone elses statements.

 

i rang them to find out why they had sent me the statements and it turns out that it is in response to my CCA. they, apparently, send statements out and then wait for citi to provide the CCA.

 

does anyone have any advice as to what i do with the other persons statements? my thought would be to send them to the other person with a covering letter explaining what has happened. any suggestions?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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You should make a complaint to the ICO about the lapse in upholding the data protection act. This can be done online at the ICO website, its just a word document to fill out and return by email.

 

 

S.

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  • 1 month later...

Well, have finally got my statements, and they go back to 2002.

 

They have said they dont have my original application form and agreement, so have not included them in the docs they have provided. 1st Credit have not even been in touch in relation to the account being in dispute, and with this admission I dont think they have any chance of getting any money from me in the future!

 

My question is, I am able to claim back my charges going all the way back to 2002?

 

There is also a sizeable chunk of PPI and i will be making a seperate claim for that.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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My question is, I am able to claim back my charges going all the way back to 2002? [/quote

 

Yes you can...you will need to use S32(1)© Limitations Act 1980 (Payments made under a mistake) to get around the six year business.

 

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  • 1 month later...

only had the standard "we are looking into it" response for the charges claim, but theyve agreed to pay my PPI in full!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

Still no response in relation to the charge claim, so LBA going off tomorrow.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

Muppetry.Sheer muppetry.

 

Citi appear to have passed my original complaint to Opus who have responded saying they dont hold any of my information. Which Citi already knows because Citi were the ones who responded to my SAR (eventually!!) and provided my statements.

 

Citi appears to have sold the accounts to Opus in March 2010, whereas my account became inactive due to my financial issues in January 2008.

 

Do I bother trying to find out why they did this, or should I just carry on and file as they are now outside the 14 days on the LBA?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 1 year later...

A while ago i went through all my debts and reclaimed PPI and charges and managed to wipe out all of it apart from one debt that was with a collection agency.

 

With this one i wrote and asked them for a copy of the CCA under which they were enforcing the debt. They replied to say they do not have that document, and it was not provided to them when the debt was passed to them.

 

I also issued a SAR to the original credit card company, and the returned documents included everything (not just statements but computer records as well). When I asked for a copy of the CCA they said they no longer had it.

 

It has just occurred to me that as the DCA have never had a copy of the CCA, they have not been able to enforce depayment since they took over.

 

Does this mean that I can request for all the money paid to the DCA to be refunded?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Whoops, forgot I had already started a thread in relation to this debt.

 

Am moving this over there....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Time to resurrect this thread!

 

After sending LBA, I didnt get round to filing my claim with the court, so I'm going to start again with my first demand.

 

I have also heard nothing from the DCA in regard to my request for the CCA, apart from a letter saying they were not provided with the CCA when the debt was transferred, and, more recently, a statement of account (which is what reminded me that I still havent finished with this people!)

 

I also have a question about this:

 

If the DCA didnt have the CCA from the start, are any amounts I paid to them refundable?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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