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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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No PPI..credit limit was 14,300 so 2000 of intrest and charges..Account was from 2001 so fairly oddish ..they can make me BR if they want ..I have nothing to give..Maybe I should ask them :)

 

Odd indeed on this large amount one must seriously consider WHY no punitive action has been taken after all this time.

 

A SAR to n Halifax is my advice at this stage.

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I have merged two threads together.. as it is the same companies, it is best to stay with one thread that way people advising have the entire story in one go.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Halifax will have 40 calendar days to comply with a SAR request.

 

You could write to 1st credit along the lines of, you are concerned that the information you have been supplied with is insufficient and have contacted Halifax to provide this information. You would hope that 1st credit will put any actions on hold until such times as Halifax have responded to you.

 

If I understand things correctly, 1st credit have been in possession of this account since last year ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yep 1st cred have had the account for a year now..Ive already drafted a email but will add on what you have put Citizen,,

 

Thank you very much :) ..And thanks for merging I forgot I started the other ..Aving a blonde moment even tho Im not blonde :)

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this has been going on since 2008

 

if anyone were to do anything

it would have been done by now.

 

sev threads merged.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they haven't till now

 

surely the sb date must be very very near.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think you've played enough letter tennis.

 

could be why they keep trying.

 

they think a mug awaits

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ohh trust me DX they aint getting a penny with what they have produced :)..Im sending one more letter and thats it..Telling them I dont give any kind of money to any person or organization unless they can legal prove they are allowed to collect,,and with the documents you sent you havent..I did get a 40% discount letter of Halifax before it was sold ..that speaks volumes I guess

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  • 2 weeks later...

UPDATE

 

This is what I received of 1st Credit today .

 

I told them not happy with the CCA/application.

..not enough statements to see how they got the figure

,,Told them Im in touch with Halifax to get documents as I find theirs insufficient..

 

Your comments regarding the legibility of the agreement have been noted and we have reverted to the Halifax for their comments.

 

I have reverted to our in house solicitor regarding your comments that there should be a reference to the terms and conditions being overleaf;

whilst we do not agree with your comments, you are entitled to your opinion.

 

Please be aware the bank is only obliged to hold statements for a period of 6 years,

therefore we would not expect the bank to provide us with statements from 2001 nor are they obliged to send us any.

 

Thank you for informing us that you have contacted the Halifax, the account will remain on hold in the interim

and I look forward to hearing from you with an update within 30 days,

should you require more time to resolve your concerns with the Halifax please inform me of this and I will try to accommodate your request.

 

Yours sincerely

 

 

ANY THOUGHTS on this?? .

 

.I told them they would need original docs if they were to issue

..they have had plenty of time to issue

..but still dont.

.I dont mind playing letter tennis..

.This becomes SB in Feb 14

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  • 1 month later...

UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

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think you might be right!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK..Maybe why nothing has happened..I will continue to be in touch with my comments and concerns with 1st credit..Hopefully we can play letter pingpong till its SB in March 2014..Dont want to not answer has someone else on cag Ignored letters and was then issued a summons

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UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

 

There is no obligation for a creditor to supply a the agreement with a SAR, any DN would likely be a 'generic' copy of what you would have received.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes I know I read that before.

..So why would Halfax say if I want a copy of the CCA I would have to follow their procedure to get it

..But send a Copy/App...

 

.Its seems to me they havent sent the CCA because I havent asked for it the way they want me too...

 

The App may have the T and Cs on the reverse but if they were there was no indication they were,,

They look leaflet form.

.And I cant read them even with reading glasses on :)...

 

This has benn going on since 2008..

 

There must be something wrong some where otherwise why no summons..also the DN is invalid

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It's a standard (editable) template letter, e.g. enter name here......: type with generic content.

 

If all the Ts & Cs and any amendments are not supplied or are illegible then even as 'a reconstituted' agreement the document does not comply with a sect. 77/78 request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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On one of the print out it QUOTES .....Unenforcable Agreement.

.You advised

..buy back decline

..copy is legible and enforcable.

 

.Please see attached document from the OFT regarding plain English guidence and consumer rights.

 

WE consider this to be a bad photo copy therefore provide a true copy or Repurchase..

..reply

..Declined

..historic Tand Cs re ordered..

 

It seems as tho 1st credit we saying it was unEnforc and wanted Halifax to buy back the debt

but they keep saying no and saying that the Tand Cs are readable but slightly blurred

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