Jump to content


  • Tweets

  • Posts

    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
  • 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

Cabot/drydens Claim Form - 2003 LLoydstsb card 'debt'


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

Thread Locked

because no one has posted on it for the last 3491 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 everybody,

 

Brief summary to date

 

I have received a claim form for a credit card account from 2003

 

I sent the OC a CCA request in Feb 2009. They did not respond and I sent the account in dispute letter in March 2009.

 

The OC then continued to pursue the account, sent a default notice and then their solicitors demanded the full amount. This was all whilst the account was in dispute, awaiting a copy of the agreement.

 

The account was then passed to various collectors with the usual barrage of telephone calls and letters.

 

Some 12 months after my initial CCA request, and after the above actions, the OC sent me a reconstructed CAA agreement, but this contains a lot of wrong information and cannot be classed as a true copy. They go onto state that they are still looking for the original, but they would not have opened an account without having sight of it and that this satisfies my CCA request! I have no recollection of ever signing an agreement in the first place.

 

The account then passed to the current DCA who have issued the claim.

 

Were the OC allowed to sent out the default notice and demand earlier repayment whilst the account was in a legitimate dispute?

 

Thanks.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

I have uploaded the default notice originally received. What strikes me as odd, is that it does not refer to any specific paragraphs of any terms and conditions. Even if it did, having not had any received from the OC following non compliance to the CAA I would not have been able to verify them.

 

Can anyone offer any advice as to whether this would invalidate the DN, or the fact it was sent whilst the account was in dispute?

 

Thanks.

 

[ATTACH=CONFIG]53857[/ATTACH]

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

If you could read and complete the following Needabreak...posting your responses here to enable the correct advice.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Name of the Claimant ?

 

Drydens/Capquest/LloydsTSB

 

Date of issue?

 

25th Sept 2014

 

 

What is the claim for?

 

The claim is for the sum of 11,712.50 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under the account number XXXX XXXX XXXX XXXX upon which the defendant failed to maintain payments.

A default notice was served upon the defendant and has not been complied with.

By virtue of a sale agreement between Lloyds Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter.

 

What is the value of the claim?

11,712.50 Claim

410.00 Court fee

100.00 Solicitors Costs

Total 12,222.50

 

Has the claimant included section 69 interest (8%) within the total claim or is it shown separate within the Particulars but not added to the debt?

No Interest claimed for.

 

Is the claim for a current or credit/loan account or mobile phone account? When did you enter into the original agreement before or after 2007?

 

Credit Card, going back to 2003,

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim?

 

Debt Purchaser has issued the claim

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

I received a letter saying the debt was sold, whilst the account was still in dispute.

 

Did you receive a Default Notice from the original creditor?

 

Yes, whilst the account was in dispute door to failure to supply a true copy of the credit agreement uploaded to this thread

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year?

 

No.

 

Why did you cease payments:-

 

Got into financial difficulty in 2009 following liquidation of business.

 

Was there a dispute with the original creditor that remains unresolved?

 

Yes, non compliance with a request to section 78 of the CCA1974, then failing to supply a true copy of the same.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

 

Communicated difficulties, and sent CCA request. I was not in a position at the time to pay anything to anyone.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

have you done AOS?

 

 

and sent anew CCA request & a CPR 31:14?

 

 

you need to file your defence by Monday midnight.

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

Yes, I have done the AOS online defending all within the time period

 

I did send SAR to OC recorded yesterday, but did not CPR or CCA. Should I do this now, or is it too late?

 

I have left things a bit late, but have been searching the net and my files as this is over 5 years old now. I assumed as the account was in dispute this long that they would not be able to enforce.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

yes now

 

 

CCA is the most important one of all!!

 

 

as they MUST comply.

 

 

for the DN wriggles.

 

 

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

yes now

 

 

CCA is the most important one of all!!

 

 

as they MUST comply.

 

 

for the DN wriggles.

 

 

dx

 

Thanks for your help I have sent the CPR and CCA yesterday.

Can I ask what you mean by "for the DN wriggles" ?

 

Can anyone point me in the direction of a defence I can use in absence of the documents mentioned in the POC..Thanks, I don't have much time to submit one unless the claimants agree to an extension.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

theres nowt wrong with the DN.

 

 

the holding def is in most threads here

 

 

by Monday midnight

adapt it to your PoC

 

 

post it up first

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

I believe my defence has to be in by 4pm today, or it counts as being received the following day?

 

 

Correct.....4.00pm is the cut off

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Andy, can you have a quick look at my defence please if you can.

 

DEFENCE

 

  1. I XXXXX am the defendant in this action and make the following statement as my defence to the claim brought by the claimant.
     
  2. Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made by the claimant’s Particulars of Claim and put the Claimant to strict proof.
     
  3. The Claimants Statement of Case fails to comply with the requirements of the Civil Procedure Rules in so far as the required Statement of Truth is not verified as it has been signed as a ‘company/firm’ and not a ‘legal representative’ therefore does not comply with CPR Part 22.1 (6)(a)(ii) (Practice Direction 22 3.10* “A legal representative who signs a statement of truth must sign in his own name and not that of his firm or employer.” )
     
  4. Under CPR part 22.2 (1)(b) (Practice Direction22 4.1 “If a statement of case is not verified by a statement of truth, the statement of case will remain effective unless it is struck out5, but a party may not rely on the contents of a statement of case as evidence until it has been verified by a statement of truth.”)
     
  5. The defendant has in accordance with CPR 31.14 requested copies of the documents mentioned in the unverified particulars of claim form the claimant’s solicitors on 24th October 2014.
     
  6. I deny ever signing the alleged credit agreement mentioned in paragraph 1 of the Claimant’s particulars of claim between Lloyds Banking group and the defendant. It is believed that I agreed to receiving a credit card following a request by the bank to attend an in branch ‘review’ of my account where this and other insurance/pension/payment protection cover products were offered by the financial advisor, and a follow up phone call from another of the banks personnel.The credit card subsequently arrived in the post.
     
  7. The same alleged credit agreement mentioned in paragraph 1 of the Claimant’s particulars of claim between Lloyds Banking group and the defendant has been in dispute since 10th March 2009. A failure of the bank to fully comply with a request under section 78(1) of the Consumer Credit Act 1974 (CCA) to supply a copy of the credit agreement and terms and conditions has put the bank into default of this section, and whilst the default continues, by virtue of section 78(6) they are not entitled to enforce the agreement.
     
  8. Around the time I was experiencing financial difficulties due to redundancy and receiving many phone calls from the bank’s collection departments (and others), it was one of the banks own personal that highlighted the fact that I could put in a request under the CCA rules for a copy of my agreement and it would only cost me a pound. This led to the action in the above paragraph.
     
  9. Without a signed agreement complying fully with the rules as laid down in the CCA 1974 (as amended), the agreement is unenforceable under section 127
     
  10. In a letter received from the bank dated 12th February 2010, the bank state that they are “endeavouring to locate a copy of the signed agreement”, but to date, well over five years later, nothing has ever been forthcoming in this respect.
     
  11. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Statement of truth

I believe that the facts stated in this defence are true.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

where did you get that from?

 

 

use this

but adapt to suit

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?433834-Claim-Form-Marlin-Mortimer-EGG-Credit-Card-.debt-(1-Viewing)-nbsp&p=4637274#post4637274

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

What is the claim for?

 

1.The claim is for the sum of 11,712.50 in respect of monies owing by the defendant

on a credit agreement held by the defendant with Lloyds Banking Group

under the account number XXXX XXXX XXXX XXXX upon which the defendant failed to maintain payments.

 

2.A default notice was served upon the defendant and has not been complied with.

 

3,By virtue of a sale agreement between Lloyds Banking Group and the claimant,

the claim vested in the claimant who has a genuine commercial interestlink3.gif.

The defendant has been notified of the assignment by letter.

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

 

I amended mine best I could and got it in with seconds to spare (literally)

 

The Sols didn't write back to me agreeing to any extension to time under CPR 15.5 to submitting my defence.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

I sent my SAR by first class recorded post on the 23/10/14. So far it does not have seem to have arrived! It included the £10 Postal Order.

 

How can I check if the postal order has been cashed? I can't seem find the info easily.

 

Also, is the address correct? The address exists on the address finder and google street map confirms this is a Lloyds Banking Group Building

 

Lloyds TSB Bank PLC

DSAR Team

Charlton Place C46

Andover

Hampshire

SP10 1RE

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

I wouldn't worry too much about the sar.

 

 

the important one for your case is the CCA

 

 

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

I sent my SAR by first class recorded post on the 23/10/14. So far it does not have seem to have arrived! It included the £10 Postal Order.

 

How can I check if the postal order has been cashed? I can't seem find the info easily.

 

Also, is the address correct? The address exists on the address finder and google street map confirms this is a Lloyds Banking Group Building

 

Lloyds TSB Bank PLC

DSAR Team

Charlton Place C46

Andover

Hampshire

SP10 1RE

 

yes, is right address for their dsar

sometimes the RM tracking doesnt show properly, i guess is re bulk deliveries. if not shown though as delivered/signed for, then complain to RM, (cause no doubt it has been delivered, and loyds will write to you just now saying rec'd/dealing), and that is the service you paid for.

Link to post
Share on other sites

Thanks Ford for confirming that. I will leave it a while to see if I get a reply letter.

 

Got an email from the solicitors today, saying they have sent a request to the claimant for the 31.14 documents!! and they agree to a 28 day extension. Trouble is this is two days after the final defence deadline so about as much use as a chocolate fire guard! I replied that I noted their late agreement to the cpr15.5 request, and that a defence had been filed before the deadline.

 

I guess I wait for the CCA request to expire, then write a dispute letter?

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

nope you don't send anything

 

 

the next move is theirs now

 

 

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

I have received a letter from Lloyds SAR team saying the don't have an up to date signature for me and to send in certified copies!!

 

I don't want to do this for obvious reasons and they have offered alternative of 'parcel' to a local branch for collection.

 

Is this standard, or is there anything I should write back. Thanks.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

Link to post
Share on other sites

parcel to local bank, yes, that's std.

 

 

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...