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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Ccbc aktiv kapital/judge & priestly set aside help needed


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Irrelevant posts removed and thread tidied.

 

Regards

 

Andy

We could do with some help from you.

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Why was the link on costs to Law Gazette removed?

 

Why did you post it.....? We already have the relevant information and Practice Directions with regards to costs and procedures contained within the sticky section of the Financial Legal Issues.

We could do with some help from you.

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I posted it because I thought it will be useful for everyone. It was from my own research. Do you have this exact article on in that section? You are policing this thread forcefully and unnecessarily. People should be able to share information without it being deleted instantly.

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Yes we carry all the exact same information within our Stickies Section which is open to all CAG users to use and copy.

 

The only reason that I am being drawn to this thread and in your opinion moderating this thread forcefully is because of your initial post #24 and post clocking to enable PMs to be sent.

 

I cant understand what is so vital that it cant be posted on your thread and so to use your words " it will be useful for everyone ".

 

We try to discourage PMing advice...(for both parties concerned) which is adverse to the Forum Rules Practices and Guidance that you agreed to on your subscription

 

I trust the above explains my actions.

 

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

 

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http://www.consumeractiongroup.co.uk/forum/showthread.php?253588-Lloyds-TSB-Dotty-s-OH-Lowells-Stat-demand-Issued...***set-a-side***&p=4417749&viewfull=1#post4417749

 

I hope this post is considered relevant?

 

The SD was issued by a different claimant and the OC is also different, however I think the last paragraph in my link is pertinent to the ordeal that superlandlady is and has been going through for some considerable time.

 

I also believe from information I have discovered, that old MBNA Virgin cards (pre April 2007) are unenforceable.

 

I am in the process of having a claim defended which was issued by Judge & Priestley but because of the amount of the claim and personal health issues, I have used a solicitor.

 

I have simply been trying to assist superlandlady, this is a £22k debt so she needs urgent help imo.

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I lost a Fast Track claim on an old Virgin/MBNA account last year. Claimant was AK and sols J&P. Naivety did me no favours though.

 

Yes, I think its the case here as well. I don't think the pre 2007 cards are "unenforceable" if they have "evidence" - Dotty50 - the evidence being the cc statements and the signed contract.

 

I have to ask SHAMROCKER - what do you mean by 'Naivety did me no favors'?

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http://www.consumeractiongroup.co.uk/forum/showthread.php?253588-Lloyds-TSB-Dotty-s-OH-Lowells-Stat-demand-Issued...***set-a-side***&p=4417749&viewfull=1#post4417749

 

"I also believe from information I have discovered, that old MBNA Virgin cards (pre April 2007) are unenforceable."

 

Thank you Dotty50. I really appreciate your comments.

 

 

However, I am really not sure this is the case.

I am now using a specialist solicitor who has been seeing AK and solicitors Judge and Priestly at court on a regular basis.

When they have the copy of the contract, all the statements and the signature, it is very much enforcable.

 

 

The best I can hope for when the trial comes (if they don't accept my settlement figure), will be the judge will rule for an "unfair relationship"

based on some facts in my defense and a possible reduction of debt when I challenge the fairness of charges.

But the contract will seemingly stand.

 

Dotty50, thanks for the link, I'll check it out.

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See my reply at the bottom of this thread - http://www.consumeractiongroup.co.uk/forum/showthread.php?448156-1st-credit-claimform-2004-M-amp-S-card-debt/page2

 

That's my understanding of how you need to overcome these claims - challenge the existence of one or several prescribed terms and put them to strict proof to display the original in court.

 

In terms of naivety - I didn't understand the process and lacked the experience to focus in on key details that would offer a valid defence. I'm no expert now, but I'd make a much better fist of it.

 

Sham

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Thanks for your comments Sham.

 

The statement you make in terms of challenging prescribed terms is very generic.

In the face of evidence everything fails.

One is really hard pressed to say 'No, I did not sign that' where there is a clear evidence with the signature making the contract valid.

Prescribed terms is pretty much - when you borrow the money, you have to pay it back. Unless, I'm unaware of something you are privileged to know?

 

My case is in the hands of a specialist lawyer now - I had a very good go at it myself, for a almost a year and a half - with one single purpose which was Setting Judgement aside. I have succeeded, only to be brought back to the starting point of defence.

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The statement you make in terms of challenging prescribed terms is very generic. In the face of evidence everything fails. One is really hard pressed to say 'No, I did not sign that' where there is a clear evidence with the signature making the contract valid. Prescribed terms is pretty much - when you borrow the money, you have to pay it back. Unless, I'm unaware of something you are privileged to know?

 

My case is in the hands of a specialist lawyer now - I had a very good go at it myself, for a almost a year and a half - with one single purpose which was Setting Judgement aside. I have succeeded, only to be brought back to the starting point of defence.

 

What evidence has the claimant (AK) produced?

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In that case, you're stuck with challenging the contents of the agreement, deemed to have been supplied as a true copy of the original. My scenario was based on being supplied with either an illegible microfiche copy or no agreement at all, and a recon in it's place - this is very often the case.

 

My advice - based on having been through Fast Track myself - is not to drag it out any longer than necessary if you think you're fighting a losing battle. It's best to try to settle early and try to lower the liability by avoiding the interest and costs.

 

Good luck whatever you decide.

 

Sham

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  • 2 weeks later...

have the agreements DN etc been posted as I cant find them. Happy to have a look .

 

Regards Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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