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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.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Still euphoric from my success with Halifax have now decided to check out all accounts etc I've had over last few years, majority now closed.

 

Sent Data Protection Act S.A.R - (Subject Access Request) template letter to Next plc recorded delivery 13 Sept. Interesting letter received back dtd 28 Sep:

 

'Thank you for your letter addressed to our Data Controller which has been forwarded to me. Next has received a number of similar letters from other customers, relating to the recovery of charges associated with late payments.

 

If your enquiry does relate to the recovery of late payment charges, I can advise that to date Next have not applied late payment charges to its Directory accounts, which include store card transactions.

 

If your letter is in connection with the recovery of late payment charges I would be grateful if you could let me know by calling 0845 7413315 and I will be happy to return your cheque to you. However, should you still wish us to proceed with your subject access request, I will ask our Data Protection Officer to deal with this for you.

 

I await your further instruction.

 

Bridget Parnell, Customer Relations.'

 

Delay tactic number one I think! Responded 2 Oct reminding them of their obligation under DPA and that I am NOT at liberty to give reason for my perfectly clear request which is extant.

 

Yet another letter from BP received. Note no reference to my letter, (which I have proof they rec'd), or DPA.

 

'Further to my letter regarding the cheque you sent to us along with a request for information.

 

I would be grateful if you could contact either myself or one of my colleagues on 0845 7413315, to advise if you wish us to proceed with the subject access request, or whether your enquiry related to claiming back charges levied for late payment.

 

If I do not hear from you by 3rd November I will assume that you do not wish to take this any further and will return your cheque to you.'

 

Yesterday couldn't resist phoning BP informing her that Next are now in breach of DPA and complaint has been lodged with Information Commissioners Office and LBA in post allowing a further 7 days to supply info or else I will go to Court to enforce compliance.

 

I did ask why my request had not been acted on instead of sending pointless letters. She replied it was done IAW with advice from their solicitors. Seems to me they don't think legislation applies to them.

 

Another letter received today referring to phone call, reiterating that their letters were sent to assure me that Next do not levy late payment fees. It goes on .....'If you wish to make a full SAR which involves Next searching all files including Human Resources, Marketing, Customer Relations, please complete the attached form and return it. Because Next have to search all the files held within the organisation under a SAR, the £10 fee is payable even if Next do not hold any personal data. I note your letter referred solely to the provision of account information and I have not therefore made the assumption that you wish to make a full SAR. more blah blah blah. I have returned your cheque with this letter for you to send in with the form, should you wish to proceed with SAR.'

 

They're being rather defensive and condesending aren't they? Would have been easier to action my SAR on receipt instead of delaying and off putting tactics.

Halifax paid out in full £3054 :D :D :D

4yrs later.......here we go again:(

 

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I' m in the process of doing so. See my post no 1 in forum. So far they've tried the fob off letters etc but I mean business and will not let this go. Report has gone off to Information Commisioner's Office (for all it's worth!) and by the end of the week if I still have not received the informationb regarding my account I will start the appropriate Court action.

 

Next are insisting they have never levied 'late payment charges' on their customers (not that I mentioned 'late payment'), however they are not telling the whole truth 'cos they definitely levied extortionate charges on my account. Watch this space...I'm going for it..

Halifax paid out in full £3054 :D :D :D

4yrs later.......here we go again:(

 

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I have a default on CRA file from Next for home shopping account, In the process of waiting for reply to CCA request which was sent on the 18th so 12 days are up soon and still no reply, I will probably also sent a DPA SAR also as I guess there will probably be some charges on the account, although I have requested a "statement of account" as part of the CCA request, however my guess is it will be a "your balance is X" as opposed to full list of transactions including charges, that is if i get a reply

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  • 4 months later...

Hi all, good luck in the fight against NEXT. I'm still trying to help out my friend and she has an old Next account which was passed to Scotcall for collection. Anyone had dealings with Scotcall??

 

She's presently paying back at £50 per month, but I don't suppose Scotcall will have the documentation. Just wondering if she should CCA them? I'm not sure if Scotcall are acting on behalf of Next or if they actually bought the debt??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Definitely CCA them, only costs a £1 cheque and send it recorded delivery (another £1). The template letter is on here and you can also request a copy of the deed of assignment (this is how they are suppose to sell the debt on) plus a statement of account.

 

If they do not have all this they have no right to chase the debt.

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The thing is with Next is it's not just the late payment charges its the amount of interest they charge. On the back of each statement theere is a very clear indication of how the interest is calculated as a maximum of e.g. (say) 2.014% on the opening balance of your stament. Clear & concise, however, get your calculator out, how many times do you get charged more than what they say? One month my wife got overcharged £13, others £1, others pence but compound that over the months it adds up to a tidy sum.

 

Wrote a letter on her behalf to their customer services, only to be fobbed off and given a £10 'good will' gesture. Haven't had much time to deal with this matter yet, but it's on the back burner, together with a latter of complaint to TS and FOA

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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There you go, I dont see how on earth they do calculate it, but with my wifes statements the problems go back to the £13 overcharge in October 2002.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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