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    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
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Marlin got Nram debt, now want medical and benefits info?


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Hello,

 

For the past few years I have been repaying a small unsecured loan to Northern Rock,

with a token gesture payment of varying amounts owing to being in receipt of Employment Support Allowance

as I am suffering from multiple health problems.

 

As you're probably aware N Rock have passed several of their debts over to a company called Marlin Financial Services,

mine included.

 

While Marlin have agreed that I may continue to pay the same rate per month that I was paying N Rock,

they have requested that I produce medical evidence to support my claim that I'm actually unwell.

 

I do have written proof but I don't see why I should send it to them,

they aren't after all in the medical or legal profession.

 

My question therefore is would I be within my rights to deny their request for medical evidence?

 

Many thanks for reading.

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Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

 

Thank you, That's what I thought, but I wasn't certain.

 

Actually I've just re-read the letter from Marlin.

 

They've said that in order to assess my affordability to pay a minimal amount

they require proof of my benefit AND medical proof.

 

Northern Rock already have/had this, s

o I'll stick to my guns and refuse to offer further evidence.

 

I just hope they don't issue me with a statutory demand if they think I'm being obstructive.

Thank you for your reply fkofilee.

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Youve been making payments right? (Rhetorical question :))

Well even if they were to try any legal action the judge would beable to see what you are paying.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

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... 

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Youve been making payments right? (Rhetorical question :))

Well even if they were to try any legal action the judge would beable to see what you are paying.

 

Yes I have been paying, albeit less than they would like.

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send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

dx

 

Thanks for the suggestion dx,

but I don't think that would work,

I've already acknowledged the debt when N Rock were in possession of it.

 

Well ...

.. I've just written to Marlin and apart from other things I've told them that my ill health is between me

and my health professionals, and not for the prying eyes of debt company employees.

 

So I won't be issuing them with any medical evidence ....

. not now

..... not ever.

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What is the debt made up of , is there any unlawful charges or any ppi. That's why DX is asking what sort of debt is it.

 

Sorry, my mistake.

I took an unsecured loan of £3,000 out with Northern Rock in Feb 2004, for home improvements. I now owe just under £1,400.

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£3k from 2004!!

 

and you've only payed half off...cash cowed!!

 

stop paying and get an sar off to NRAM.

 

and a CCA request to marlins

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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£3k from 2004!!

 

and you've only payed half off...cash cowed!!

For a large part of this period I've either been in receipt of JSA or ESA, so consequently most of the monthly payments have only been token gestures of between £1 & £4, hardly making them wealthy.

 

stop paying and get an sar off to NRAM.

 

To what end? I don't understand how this would be of benefit to me?

 

and a CCA request to marlins

 

Can I do that when I've already acknowledged the debt?

 

 

Thanks for your reply.

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CCA request can be useful.

 

SAR… given the limited value and the possibility of a few charges to the account to reclaim it could be a tenner well spent.

 

Do you have statements for the entirety of the term to date?

Yes, I think so ....

 

 

I could try a CCA request and see what happens. I did request one a few years back when N Rock temporarily passed my debt on to Eversheds ( what a fiasco that turned out to be), and they did produce it.

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I'd be inclined to CCA it again and reconcile the prescribed terms with your payments (and current debit balance)

 

SAR to original creditor if you have any statements missing, even a handful of charges from 5 years ago could knock 10% off the balance now.

 

I appreciate £11.00 for the two is a lot of money if you're on a tight budget but it will hopefully prove fruitful.

 

If you are able to identify any/all charges it would seem sensible to start the process of demanding their return + interest.

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