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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt_Mountain vs Blackhorse charges and PPI


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Well I just finished with Blackhorse and sent them my SAR. Just have to wait on that to claim my charges.

 

but my PPI has also just been started

 

I have had 3 previous loans with them and with each because of our credit history they told us we had to take out PPI or we would not get the loan.

 

Luckily whan I sent the "Stop sending my data for a contract that is no longer valid" they sent me a copy of each of these agreements highlighting the area refering to the sharing of data. While browsing the agreements I notices the amount of PPI and insurance!!!!!£k's.

 

I thought I'll have that back please.

 

So off went the letter yesterday. Lets see what they do.

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got a reply to the SAR. I guess they are trying to scare people off at a very early stage. Here are the good parts of the letter

 

 

"We have recently received a number of letters, all worded exactly the same as that received from you, where the prime purpose behind requesting a copy of the information we hold seams to be to dispute the additional charges to an account. (thats because the charges are illegal and you have shafted the majority of your customers)

 

If this is the purpose of the request, whilst we are happy to provide a copy of the information we hold (Well send me it then, thats what I asked for!!), the production of such data will not serve any real purpose in detailing what and why the additional charges have been incurred (Oh you think!!).

 

We are aware of the recent instructions from the OFT in relation to additional charges incurred through late, missed or unpaid payments, however, this instruction relates only to charges against credit card agreement debts. As our agreement with you is not such an agreement, the instruction from the OFT does not apply. (I never mentioned the OFT and I think they are covered by the CCA).

 

If you do have a query regaurding additional charges to your account, it will be easier and quicker to discuss these with us. You can do so by calling the number at the top of this letter (Yeh right, more bull no doubt), where we will be happy to discuss matters with you, or write to us setting out the rational for why you are disputing the charge. (Another letter is winging its way to you, give me my data, then you can give me my cash!!) "

 

 

What a crock of cr4p!!!!

 

They are trying to use smoke and mirrors in this letter. Does this actually work with some people??

 

I am tempted to wait for th 40 days to pass and then they will default on my SAR, but I am also desperate to get these gitts either to pay me back or meet them in court.

 

Wonder what they are going to say to my request for £10k+ for my PPI refunds!!! they only got that a day or 2 ago.

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  • 2 weeks later...

Just sent my LBA to my pals at blackhorse, sent by fax for speed. Within 2 hours the top man at the branch called appologising that I had not had a reply to my prelim and that he was personally looking into the "serious allegation".

 

Sure is serious......£10,000 +

 

anyway told him not to call again and to put this call in writing and also any future communications.

 

I gave them 10 days for a reply before raise an N1.

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OK, I am starting to pull my evidence for my PPI claims. My reasoning for the claims that we were mis-sold the PPI with both of the companies we used was the same.

 

1 - When the application was completed over the phone I was asked if I wanted the PPI as it would ensure that the loan was agreed to,

2 - I would say that as I work for a large American owned multinational company with health insurance, full sick pay and enhanced redundancy package and Mrs DM was self employed and pays for a personal income protection policy and critical illness policy we did not need any PPI cover so we really did not need it.

3 - Again we were told that to ensure we got the loan we take out the PPI

4 - We had financial worries and did not have much choice with the lenders we could use and felt we had to take the loan that was on offer. We were not informed that we could cancel the insurance within 30 days of taking the loan after which time we could not cancel it.

 

Any comments on the above?

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  • 3 weeks later...

Sent them a further letter to the 2 sod off letters they sent.

 

On loan no 2 we had requested the PPI be cancelled but they refused at that time so I am pushing them on the legality of this if as they say the PPI was not a condition of the loan (which I still dispute).

Loan no 2 they failed to complete the text box in the agreement saying what the monthly payment we were paying for PPI was covering us for.

 

and for the other 2 loans I was just keeping up the we were missold these policies and asked them to provide evidence other that the agreement that we were NOT mis sold.

 

In a futher letter some 20 minutes later (faxed) I also claimed back the £4800 in charges inc the contractual interest).

 

All in all I am keeping their legal department busy.

 

forgot to ask that I am also disputing the settlement figure on the last loan as they are saying I still owe some cash, I have demanded they provide the actual clause in whichever act it is that states what they can legally charge to settle an agreement.

 

They gave me the verbal formula saying it meets the CCA, but when you look in the CCA there is no reference to calculating a settlement figure. So have demanded they send this clause they refer to in the CCA.

 

No really I am not enjoying this. :):):)

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  • 1 month later...

Not heard anything else about the settlement figure etc. But after them trying to say I was outwith the English Juridiction I sent them the letter in my "Jurisdiction thread" and today got a letter from Mr Judge ordering Blackhorse to provide both me nd the court with the loan agreements and any term and condition incorperated into the agreements. They got 2 weeks to do so.

 

I am currently claiming for unlawful charges plus contractual interest and also demanding they stop sharing my personal data and I want damages assigned by the court for the damages caused by them sharing my info.

 

So I think the jurisdiction thing is sorted (hopefully) as Mr Judge at the court of my choice instructed the order.

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