Jump to content


  • Tweets

  • Posts

    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • 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
        • Like

Cap One PPI - What to do next?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3717 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

scan a copy up, minus personal details, cap i get a CCA1974 right??? miracles do happen??? 2000?

 

They do try to argue PPI

 

You want me to scan it for the forum? Enlightem me regarding the "CCA1974 right??? "

 

Hmm.. So this is looking good me me eh? Can't believe it!

Link to post
Share on other sites

  • Replies 204
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Consumer Credit Agreement 1974 is your contract between you and a Supplier (Credit Card Company in this case), alot of pre2006-7 agreements did not conform to legislation, i.e. contain the contents required to make the contract.

 

Just a thought, so if you scan your copy up peeps may be able to see if it conforms to legislation.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Thanks for the info... It's all new and confusing to me (at the moment)

 

Does the PPI only cover the erm... PPI? and charges are done seperatley? and IF my agreemnt does not conform what then?

 

Anyway.. I will start the PPI and attempt to attach the scan now.

img006.jpg

img007.jpg

Link to post
Share on other sites

Sorry.. made a mess of that. Any advice to get it full page?

 

Use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Link to post
Share on other sites

  • 1 month later...

So, here I am awaiting my SAR results from Capital One on day 43 and the Post Man delivers my letter from said prat's.

 

Rather than the heaftly package I expected, I get a one page letter LOL

 

From: Liam Quegan

 

Thank you for your recent letter which has been passed to me as I deal with requests under the Data Protection Act 1998.

 

Unfortunately I am unable to review your request as the signature you provided us with does not match our records.

 

In order to provide you with the requested information please write to me again together with a copy of your signature (this could be a driving licence or passport)

 

I am sure you understand that we need to do this to protect the security of your account.

 

We acknowledge a receipt of £10.00 fee required by the Data Protection Act 1998.

 

Please note that the 40 day time limit to provide you with the Subject access request does not start to run until we receive the correct documentation.

 

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

 

Can they actually do this? I signed the SAR but deliberatly used a different style of signature. Also can they make me wait another 40 days?

 

What to do??????

Link to post
Share on other sites

The information Commissioner say quite specifically that if they require further information, they are to request it "promptly" ... not that they wait for 43 days and then say they cant deal with it.

 

Have you been in contact with Capone say in the last 12 months ? If so, then having communicated with you they have no need to to establish who you are.

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

Link to post
Share on other sites

have you moved since you last used it?

 

seems strange

they are going on a sig mis match.

 

BTW you dont need to munge an SAR sig.

 

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... 

Link to post
Share on other sites

What on earth is the point of providing a false signature on a lawful request for information it's entirely pointless!!

What do you believe they are going to do with the correct signature?

The bank are totally correct in their actions so comply with the request for your proper signature, they may or may not make you wait a further 40 days from the receipt of the correct information.!

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:

Link to post
Share on other sites

two thread merged

 

please keep to one thread per debt/reclaim

 

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... 

Link to post
Share on other sites

I have taken a look at the ICOs Instructions for making a SAR every template contains at the end (signature)

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:

Link to post
Share on other sites

Ok ok.... my stupid fault. I'll reply with correct signature!

 

Q: Brigadier - What do you believe they are going to do with the correct signature?

A: I don't trust that lot one inch...

 

Q: dx100uk - two thread merged

 

please keep to one thread per debt/reclaim

 

A: It was not me... I made a seperate new post!

 

Yest I have been in contact with them in the last few months and they did not need my signature when I got all the other details from them!

 

So with my *ss spanked I'll resend the SAR letter with signature.

 

Thanks

Link to post
Share on other sites

A SAR is a lawful request made under an act pf Parliament.

 

As to your comment about trust it seems to be mutual:lol:

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:

Link to post
Share on other sites

  • 1 month later...

We SAR'ed Cap One and waited 45 days to get a reply stating my signature did not match their records (my fault)

 

Sent a new SAR with correct signature.. I stated in a letter that they should not have waited so long to point the signature problem out Etc. and expected a reply (SAR details within 7 days)

 

Ok, no 42 days have passed on my second attempt with no reply so far.

 

They have been charging PPI since 2000 when I have proof from them I did NOT tick the box for PPI.

 

I am sure the next letter will state "We are snowed under and need 10 weeks" I just know it lol.

 

So, do I have any poweres or do I just wait and sit it out?

Link to post
Share on other sites

failure to comply letter and threaten them with the ICO

 

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... 

Link to post
Share on other sites

Thank you for the pointer's... What do I put in the 'failue to comply' letter? is there a template available.... and how do I 'threaten' with a ICO ?

 

Sorry to be such a newbie!

Link to post
Share on other sites

failure to comply letter is in the green library tab top left

 

information commissioners office

 

they regulate infomatation.

 

dont forget our search top right.

 

too

 

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... 

Link to post
Share on other sites

Hi, just an update...

I am really getting fed up with this bunch.

 

I sent the "failure to comply letter" the other day 8/11/12 using the template and stating I want my SAR within 7 days.... I should have saved my time!

 

Today I received a one page letter from a Mr ...... (who also sent the previous letter)

which appears to be a standard letter sent to anyone who applies for a SAR

but failed to include the £10.00 fee. It's taken them 42+ days to send me that.

 

40+ days ago his last letter stated that they could not proceed because my signature did not match their records

BUT they acknowledged the receipt of my £10.00 fee.

 

24 September

"In order for us to provide you with the requested information, please write to me again together with a copy of your signature or a copy of documents showing your signature"

"We acknowlege a receipt of the £10.00 fee required by the Data Protection Act 1998"

"Please note that the 40 day time limit does not start until we receive the corect doccumentation"

 

Everything was re-sent excluding any further payment.

 

Today:

All the usual standard waffle and...

"Please note that the 40 day time limit does not start to run until we receive the fee"

 

So... 80+ days down this sorry road and I am NO FURTHER than step one!

I am beginning to see why many opt for the solicitors.

I bet Capital One does not mess with them so easily.

 

I wish I could phone them (or better still call in) either they ARE incompetent or they are using every stall tactic they can dream up...

. In which case meybe I should let an agent take over?

 

What would you do? This is just dragging on and on, and then there will be the PPI claim.

 

Help!

Link to post
Share on other sites

I'd stronly advise NOT to let an agent (claims company) take over. You've started this footwork, it'd be such a shame to appoint a claims company at this stage and lose 20/30% of any money you could potentially win!

 

I understand your frustration as I had the same bs stalling tactics with Sharkleycard (sar sent the day after Boxing day last year and all my docs eventually arrived mid May this year!)

 

I'm not sure that they can restart the 40 day clock again. Hopefully one of the SAR experts will be along shortly to advise further.

 

Good luck... Please, stay away from the claims company. I'm sure this stalling tactic would have still been used if you'd have originally gone through a claims company.

 

Be sure to put a line through your signature just in case it is their intention to lift it and paste it onto documentation!

It never rains but it pours...

Link to post
Share on other sites

Yeah... Thanks. It's just so anoying when these people can play with us like they do.

 

My signature was done on the anti tamper image so we will see lol

Edited by dx100uk
please refrain from vailed swearing - dx
Link to post
Share on other sites

Had the same problem with my Cap One card.

 

I didnt hang around but wrote to CEO. (Google him) stating what has happened so far and if you dont get your SAR in x days you will be writing to the ICO.

 

Got mine within a week. They never indicated that they were at fault but hey ho they never are.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...