Jump to content


  • Tweets

  • Posts

    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
  • 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

My next move...


nerfherder
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3669 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

Hi everyone,

 

I have a few old debts and I'm now at the stage where I have them pretty much under control

and I am thinking what my next move should be to try and rid myself of them for good.

 

To bring you up to speed

they are held with DCA's (Lowell is one of them) and

I have been paying nominal amounts each month to them for about a year now,

 

I was thinking about writing to them all offering full and final settlements of 10% of each

(I'm almost in a position where I could afford this) and seeing how they respond.

 

There is one that recently came out of the woodwork for an old Barclaycard

that I haven't been making payments to but I was going to try the same tactic regardless.

 

However,

reading this site for advice on the full and final offer

I saw people recommending to write to DCAs under the CCA 1974 to have sight of the agreement to see if it is enforceable.

 

This isn't something I knew you could do and

since these debts are all with DCAs and

not the original creditor

 

I was wondering how likely it would be that I may be able to get the debts written off on this basis

and if you all could offer me any advice on this process,

or on the full and final process.

 

Thanks in advance.

Link to post
Share on other sites

are these on your CRA file

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... 

Link to post
Share on other sites

Hi,

 

I'm assuming you mean on my credit report? like from experian? (sorry if I'm not up to date with the terms) To be honest I haven't asked for a copy of my credit report for a number of years, I would assume they are, but considering the saying about assumptions I'm thinking you're going to tell me there is a really important reason I should check?

 

Thanks for replying.

Link to post
Share on other sites

it helps in getting the whole picture

 

typically, if a debt does not show

esp if you have been [blindly] paying a debt for years to a dca

 

there may well be a good chance of cash cowing.

 

noddle is free see below

 

just make SURE all you old addresses are showing as linked

 

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... 

Link to post
Share on other sites

Depending on the date the agreement was taken out a cca request can be a good idea. It is unlikely they will write off the debt but it could be rendered unenforceable. This means they can not enforce in court but it does not mean you sit back and do nothing. Just because it is unenforceable doesn't mean the creditors won't try and get a judgement by default. I have found the first year the hardest but now most accounts are sleeping nicely

Any opinion I give is from personal experience .

Link to post
Share on other sites

Depending on the date the agreement was taken out a cca request can be a good idea. It is unlikely they will write off the debt but it could be rendered unenforceable. This means they can not enforce in court but it does not mean you sit back and do nothing. Just because it is unenforceable doesn't mean the creditors won't try and get a judgement by default. I have found the first year the hardest but now most accounts are sleeping nicely

 

Ah, I see.

It might not be what I was looking to do then.

I'd assume if it was unenforceable though it would give you more power in negotiation for a full and final settlement?

 

They are varying dates,

the Barclaycard one for example I've probably had since about 2005?

One of the lowell ones is a loan that I had in 2009.

 

I don't really want them to remain for long with no update on the credit file,

I'm beginning to get myself back on track debt wise and will be looking to try and get a mortgage in the next two or three years.

 

So while there may be a bad "history" on my file I wanted it to be just that, history,

with nothing in arrears when I try to get my own place.

Link to post
Share on other sites

it helps in getting the whole picture

 

typically, if a debt does not show

esp if you have been [blindly] paying a debt for years to a dca

 

there may well be a good chance of cash cowing.

 

noddle is free see below

 

just make SURE all you old addresses are showing as linked

 

dx

 

Thank you for the noddle link. It's fantastic. The loan I have been repaying with lowell isn't on it, any advice?

Link to post
Share on other sites

the key to each debt is the default date from the cra file

 

if a debt does not show

then thus its already been defaulted for more than 6yrs

so has been removed

never to return!!

 

so off you go get that file.

 

once you have that

give us a list

for each debt:

 

when was it taken out

what was the type of credit

who was the original creditor

who it is with now and what you pay

is it on your CRA file

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... 

Link to post
Share on other sites

Thank you for the noddle link. It's fantastic. The loan I have been repaying with lowell isn't on it, any advice?

 

ok dear beginning to smell a cash cow here

 

get a CCA request off to them

don't sign the letter

use a blank £1 PO

 

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... 

Link to post
Share on other sites

Thanks dx. That's been really helpful.

 

Could I ask another noddle related question, one of my accounts is showing as "satisfied" with the balance still outstanding. It's on the open accounts list and was last updated earlier this month, is it more likely that the creditor has written this off or assigned it to another DCA?

Link to post
Share on other sites

is it still shown under the OC's name

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... 

Link to post
Share on other sites

It's on the "closed accounts" section under the original creditors name where it says it's satisfied

 

but if you drill down into the detail it shows it as being assigned.

 

On the "open accounts" section its under the DCAs name showing as default up to April 2014

but it shows as satisfied as it appears on the list on lenders.

Link to post
Share on other sites

ok so its been sold

look at the default date on the summery line

 

it should be the same on the closed/open entries

 

what is that date?

 

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... 

Link to post
Share on other sites

Oh, its the same debt,

from the original creditor on the closed accounts section to the DCA on the open accounts section.

 

It's just confusing me because under the DCAs name on the open account section it shows as satisfied.

 

I'm thinking the two possibilities are

1) They have written it off.

2) The DCA has sold it to another DCA, even though it doesn't show as debt assigned.

 

It's actually an amount I dispute I owe in the first place,

 

HP on a car which I voluntarily terminated at the halfway point of the contract and handed the car back.

 

They say I owe the balance, I say I was entitled to hand it back at the midway point in the agreement, as the contract states.

The original creditor defaulted me at the VT date, and a few months later passed it to a DCA,

I've basically ignored the DCA and tried to only deal with the original creditor,

I'm wondering if they've finally agreed I'm right. As they should ;-)

Link to post
Share on other sites

I suppose I should wait and see what it says next month. I think I know why the loan debt isn't showing on the report, it was a Welcome Loan that has been passed to Lowell. I saw from another thread that you posted in that the Welcome debts have been removed from credit reports pending the outcome of an investigation?

Link to post
Share on other sites

start a thread in the WF forum

get an sar off to welcome

bet theres loads to reclaim

what is the defaulted date

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... 

Link to post
Share on other sites

Oh, its the same debt,

from the original creditor on the closed accounts section to the DCA on the open accounts section.

 

It's just confusing me because under the DCAs name on the open account section it shows as satisfied.

 

I'm thinking the two possibilities are

1) They have written it off.

2) The DCA has sold it to another DCA, even though it doesn't show as debt assigned.

 

It's actually an amount I dispute I owe in the first place,

 

HP on a car which I voluntarily terminated at the halfway point of the contract and handed the car back.

 

They say I owe the balance, I say I was entitled to hand it back at the midway point in the agreement, as the contract states.

The original creditor defaulted me at the VT date, and a few months later passed it to a DCA,

I've basically ignored the DCA and tried to only deal with the original creditor,

I'm wondering if they've finally agreed I'm right. As they should ;-)

tell us more about this one, who was the oc?,do you have a copy of the hp agreement?who is chasing you for this?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

The HP was with Santander.

 

They passed it to a company called Bluestone Credit Management who started writing to me about a car I never had.

 

I'm not too fussed about that one as I still have the contract and it clearly states I was within my rights to do this.

 

I sent a letter terminating the agreement with the keys and V5 document by recorded delivery

and they sent someone round to pick it up a couple of weeks later.

So I think I'm in a pretty strong position on that one.

 

dx advised me to start a thread about the Welcome Finance loan on the welcome thread,

there's more details about that one there under the title,

 

"Welcome-Finance-Loan-Lowell-CRAs" if you're interested and can offer some advice.

 

Sorry it won't let me post the link.

Link to post
Share on other sites

The HP was with Santander. They passed it to a company called Bluestone Credit Management who started writing to me about a car I never had. I'm not too fussed about that one as I still have the contract and it clearly states I was within my rights to do this. I sent a letter terminating the agreement with the keys and V5 document by recorded delivery and they sent someone round to pick it up a couple of weeks later. So I think I'm in a pretty strong position on that one.

 

dx advised me to start a thread about the Welcome Finance loan on the welcome thread, there's more details about that one there under the title, "Welcome-Finance-Loan-Lowell-CRAs" if you're interested and can offer some advice.

 

Sorry it won't let me post the link.

 

 

Replied on WF thread.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

CCA Request off to Lowell today,

 

looking at some other outstanding ones I have to do the same possibly.

 

I'm going to hold off on the SAR to Welcome at the moment, dx,

 

I'm pretty sure there is no PPI or anything,

 

if Lowell hold an enforceable CCA I'll probably go down the SAR route then to see what "might" be there.

 

Thanks for the advice.

Link to post
Share on other sites

pes i'd not do that

 

as soon as welcome sniff a dispute out comes the shredder.

 

get it done.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...