Jump to content


  • Tweets

  • Posts

    • The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
    • saying the thread is locked, what shall I do?
    • Please fill in the forum sticky and upload a copy of the invoice, redacted of anything that could identify you -  
    • first time to use this forum, so a bit clueless got a PCN from Horizon, saying that "exceeded ma stay period" any template for me to make appeal please?
  • 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
  • Recommended Topics

Confirmation regarding CCA request rbs/arrows


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4026 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

I sent off my CCA request with no reply within the prescribed 12 + 2 working days. I allowed an extra three working days 'just in case' and then sent the follow up reminder/unenforcability letter. Today received a communication saying the client was dispatching the details today to me. Im I correct in the assumption that the alleged debt remains unenforcable until such time as I have received the communication from them and had a chance to review what has been sent. They have also stated that their client requires a monthly payment regardles, even while this process is in motion. I need to get this absolutely right as I have no wish to open up precedents which can be exploited by dubious organisations in the future. Thanks one and all in advance for your input

Link to post
Share on other sites

Hi there,

if they failed to send you the CCA in the prescribed times then you now send them

the In Dispute letter located in the library.

 

Regarding the fact they still want payments then that's their problem, No CCA = No Pay.

 

I assume that you have been defaulted on this debt?

Link to post
Share on other sites

Yes until they send you the agreement then your under no legal obligation to pay them anything, they are simply willy waving.

 

Ignore them until they comply.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Hi,

 

I was in the same position. I requested the CCA and all documentation to prove the DCA "owns" the debt. All I received back was a copy of the CCA. What should my reply be? All they have supplied is an original contract between myself and the original creditor. They have not supplied any documentation to prove they acquired the debt.

 

Should my reply be for all documentation including notice of assignments? They claim they bought the debt from another DCA, who in turn had purchased the debt from the original creditor. However, I haven't had any correspondence at all since the original creditor, back in Sept 2008.

 

Thanks in advance

Link to post
Share on other sites

I f you want all documentation then you need to send a SAR to the OC, mark it for the attention of the data controller

and enclose a £10.00 postal order, send this by recorded delivery and they have 40 days to comply from date of receipt.

 

SAR letter in the library located top left of this page or click on SAR at the start of this sentence.

Link to post
Share on other sites

  • 3 weeks later...

Latest news, I received in mid March a reconstituted CCA, on 21st March I sent off a series of questions stating that a reconstituted agreement was not acceptable, (agreement signed in July 2005). The signatures were not mine, the application of PPI was not requested by me, and their client was not satisfactorily identified, they identified one debt purchaser, but later substituted another!. I had an acknowledgement on 22md March that they would pass on my questions to their client, and that during this time any action would be suspended. Since when nothing!, how long should I give them to respond?. I should add that I am making a 'without prejudice' payment of £50 p.c.m. should I consider stopping this?

Link to post
Share on other sites

Whoa whoa whoa!!!!

 

STOP paying NOW!!

 

No CCA = NO pay, the only reason why you've not heard anything from them is because they're laughing at you paying them £50 a month, and I guarantee, that money is going straight onto their pocket.

 

Forget using 'without prejudice' they like to use it as they think it gives them some sort of legal clout, when in actual fact it does exactly the opposite.

 

Stop paying, ignore them, if they ring, laugh and hang up, if they persist in writing, then you should send them the 'in dispute, failure to supply' letter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Had a reply from the DCA today on behalf of their client this has given me cause to ask them a few more questions, one of the statements in their reply stated the following

 

1. Weare the Appointed Agents and we have been instructed by our client on thismatter to recover the balance outstanding. We have not referred to litigationand we understand our client would like to pursue other avenues available inorder to resolve this.

Anyone got a view as to what this might be?, helpful or implied threat?

Link to post
Share on other sites

Means that they aint got no paperwork and is probably full of charges and PPI. Do as advised by BB. Stop paying that £50 now. They have failed to comply. If they could take you to court then the OC would. The fact they have given it to a DCA means there is a serious issue for them in try to enforce this. As agents means debt still owned by OC so DCA is powerless and you can safely ignore them.

 

Refer to litigation is just a veiled threat for the uninformed. Stick to this site for the way forward. But stop that £50 now

 

Intend

Link to post
Share on other sites

Perhaps I have been a little unclear here, the debt was sold by the OC to that fine, august, upstanding debt buyer Arrow Global, (owned in majority by that fine bank RBS,

through RBS special opportunities fund), and the DCA is acting on their behalf not the OC's

Link to post
Share on other sites

Have they returned your CCA request, with a compliant agreement?

NO? Stop paying, and send them the failed letter. http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

OR http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent.

 

And STOP PAYING!!

 

Who was the OC?

What is this for?

 

Your throwing your money away, if the OC has sold it, then AG have bought it, and have again farmed it out to a DCA, name please, then their is something wrong with this, and you are being cash cowed...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Absolutely agree with Boo. Stop all payments unless they can provide you with a valid, enforceable agreement.

 

Also, bear in mind that under a SAR (if you send one) to the original creditor, then the OC is only obliged to send you what THEY hold regarding your information and the account (as far as I'm aware - maybe someone can verify this please).

 

Which means that RBS and/or Arrow may also have further information. It may be worth sending the SAR to Arrow in this instance - stating their legal obligation not only to obtain all information held on the account by the OC (they can refer the case to them) but also anything they hold as well, in order for you to (quite reasonably) obtain a FULL picture of the progression of the account and information held as it stands.

 

I'd appreciate any comments on this from others, just in case I've missed something here, but hopefully you can see what I'm getting at!

 

Best of luck.

 

H. x

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...