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    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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1st credit and old Northern Rock Loan & Card Sold to Co-Op - SB'd - Scotland


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Quite right to be cautious with this lot TB, dealing with set aside for daughter and so far they have said they have instructed their solicitors to withdraw the SD (they haven't!) and that the OC have repurchased the debt in reply to our CCA request and if you are watching this first Crud, yes I do mean you!!:mad:

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Recieved the standard LCS 14 days to pay letter today so guess what........I gave TS the authority to pass on to OFT and the local TS so we will see what happens there! Bring it on......!

Probably printed by the same top of the range threatomatic computer that Worst Credit use

 

thPCstress1.gif

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I have a NR/Co-op cc.

 

Long story short is that I CCA'd them over 2 months ago and heard nothing. In the interim I phoned to speak to the advisor who basically stated that records over 6 years are not kept.

 

Basically from what they were saying, anyone who opened a similar account will also find they have not got any "cca evidence" to give you.

 

Regards

 

Bank_Robber

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They are required to keep agreements until 6 years after the account has been closed

 

Co-Op have been very naughty.

 

Is it the Financial Crimes unit of HM Treasury that would give them a slap?

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Strangely enough I was just checking this morning when my last bit of meaningful correspondence was with them and this was September 2007 when I wrote the standard go away letter re unenforcable response to CCA request (it wasn't actually a CCA), since then zilch other than statements with added line of the situation on my account is very serious, have been waiting for something more terrible but to date nothing has happened ?

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  • 2 weeks later...

Ok I have CCA'd the Co-op for a loan and an old NR credit card that they took over some time ago. I got back an application form for the credit card (:)) and an enforcable agreement for the loan except that parts of it are illegiable and its blatently a computer print out of a scan.

 

I sent them a 4 page letter explaining my concerns and what I needed from them to retify it. I got the usual 'we are sorry you have felt the need to complain balh blah' letter back.

 

I then get a reply yesterday with the old you have been paying for years, you have had the money, this is proof enough there is no dispute, we will send it to a DCA etc rubbish.

 

I could send them a similar letter back but they are obviously trying to ignore my requests.

 

Anyone got a good, short, [edited] letter when they won't listen???

Edited by jonni2bad
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too temepting

Edited by The GodMother

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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There is no point in trading templates with them - they still won't listen. I wouldn't do anything until they try to pursue the debt again. Then I would make a formal complaint to their Complaints Department that they are pursuing alleged debts that are in dispute ( in breach of the CCA 1974, the Consumer Protection Against Unfair Trading Regulations 2008, the Administration of Justice Act 1970 Section 40 and OFT guidelines). Send a copy of your complaint to the OFT for their information. Previous activity on the accounts is irrlevant - you are entitled under the CCA 1974 to ask for a copy of your agreements anytime and if they don't have them, there is not a thing they can do about it.

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My on going battle with worst crudit has taken a new twist. I received the standard LCS letter which said that they will not enter into correspondance with me etc to which I sent the 'I am slightly bemused letter....'. Today I get this......

 

http://i281.photobucket.com/albums/kk222/Tartan_Barty/LCS.jpg

 

Can you believe it, they reply to my letter saying that they won't reply......EH? :eek:

 

I am gonna have to send them a reply along the lines of 'thanks for replying to my letter stating that you will not be replying to my letter and I hope that you will reply again confirming that you will not be replying to my reply to which you won't reply!!! '

 

Anyone want to add anything?

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