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    • Last June, 3.4m members received a £100 payment from the building society. Now they will be wondering whether the offer will be replicated this year.View the full article
    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
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ppi on zero


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Can you clarify your question, please ? my response is assumed on what you have said above.

 

PPI applied to revolving credit is calculated on the outstanding balance - so if there was a "zero" balance, there should have been no PPI charged.

 

If there was a PPI premium applied to the account, which was subsequently left as an unpaid balance and reported as a default then you should be able to have the markers removed.

 

Was the PPI required / requested ? If not, then you might want to have a stab a reclaiming it.

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Hi CitizenB, many thanks for the fast response and the information.

 

my daughter is certain that the balance was zero,

 

the ppi was not requested but she has been with a ppi recovery company (XXXX) but they could not recover any ppi she had paid on this account

as the card in question was taken out before 2005 (Ombudsmans decision)

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What are the credit reference files actually showing please?

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Hi Ron

 

Which card is this?

 

Are all of the statements available?

 

There are indeed cases where fos cannot investigate prior to 2005 since the sellers if these insurances were not covered before that time.

 

However, if we know the card provider then we can establish who the underwriter is and you can (usually) go after them via fos.

 

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Oh and by the way, get a letter off to the reclaim company telling them that as they have failed to get anything for you that your formally terminating any contract you had with them forthwith.

 

If you don't you can bet your bottom dollar that if and when you are successful they will be after you for their fee.

 

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what is that default date om her cra file?

 

somethings not right here.

if a bal is £0

then theres nothing to levy PPI on?

 

unless there is a fixed rate PPI PCM?

 

not heard of a store card like that.

 

you sure it p'haps was not say CPP

credit protection Policy?

 

with an external company

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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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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Many thanks for all your replies. the store card was from Adams the now defunct childrens clothing company and the company that we are in dispute over this is Creation Finance, the alleged debt is for approx £350 ; the the credit rating site was Experian and the default date was 03/05/2012 sorry info a bit sketchy but this all blew up in last few days

Regards

Ron

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Do you have any statements or other paperwork for this account?

 

Anything that might give the name of the underwriter?

 

Also, as dx says, it may have been that this was Card Protection?

 

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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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