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    • Referring back to to your initial post... So not a judgment ?
    • 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.
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Who deals with whom? directory of banks/Dca/solicitors


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No They May Collect For Hsbc Aswell But Definately Owned By Lloyds Tsb I Asked Tsb This And They Confirmed It , Lisam

 

Sorry to disagree but The Beneficial Financial Bank is a trading name of The HFC bank who are in turn part of the HSBC group.

 

Beneficial do not offer bank accounts but merely offer loans/credit cards etc

 

Beneficial Bank

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  • 2 weeks later...

blair oliver scott for taking £150 out of my halifax account on friday for a debt that was cleared in April 2006!!! :mad:

 

letters winging their way to Halifax (for giving out my account details) and Blair oliver scott for taking money that isn't theres to take!!

 

the debt wasn't even owed to them but to geoffrey parker bourne who this morning have confirmed the balance was cleared on the 21.04.06 :evil:

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I can assure you that Blair Oliver & Scott are trading and collecting monies on behalf of the Bank of Scotland as are Wescot Credit Services

 

Aktiv Kapital collect on behalf of Time Retail Finance

 

Arrow/Global Receivables Management/CBS collect on behalf of Paragon

 

HFC bank and Beneficial bank seem to use a firm of solicitors called Restons.

 

If anyone has any details of dealinigs with Restons or Arrow I would be most grateful

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I can assure you that Blair Oliver & Scott are trading and collecting monies on behalf of the Bank of Scotland as are Wescot Credit Services

 

Aktiv Kapital collect on behalf of Time Retail Finance

 

Arrow/Global Receivables Management/CBS collect on behalf of Paragon

 

HFC bank and Beneficial bank seem to use a firm of solicitors called Restons.

 

If anyone has any details of dealinigs with Restons or Arrow I would be most grateful

 

I have had dealings with Arrow Global, who passed the alleged debt straight onto their evil Solicitor, Eversheds. They have since shut up and neither have written to me for about 2 months now since MBNA tried to falsify an agreement.......

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Could somebody just confirm what Blair Oliver & Scott are - a DCA or solicitors.

Thanks

Blimey Senior! Where have you been hiding??!!! Good to see you!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Thanks, Corn - not had anything to say, so kept quiet!

Just interested to know about Blair Oliver Scott - some people write as if they are just a DCA and others that they are solicitors - can't find them listed on the English or Scottish Law Society websites - any ideas? And what is the relationship between them and another HBOS DCA - J&J Collections? If Blair Oliver & Scott arn't solicitors who do HBOS use for litigation?

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Thanks, Corn - not had anything to say, so kept quiet!

Just interested to know about Blair Oliver Scott - some people write as if they are just a DCA and others that they are solicitors - can't find them listed on the English or Scottish Law Society websites - any ideas? And what is the relationship between them and another HBOS DCA - J&J Collections? If Blair Oliver & Scott arn't solicitors who do HBOS use for litigation?

 

Hi Senior, good to hear from you!

 

I couldn't comment on them as I have no dealings with them at all. I suggest a general search may throw up some more "victims" who will be able to confirm one way or another.

 

I am sorry I couldn't help! I am glad you are well and look forward to seeing you back over on the MBNA forum when you are able!

 

Best wishes,

 

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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B,O&S are trading as previously informed, I think they act as a collections agent but have had no dealings with them as solicitors. I can supply details of my dealings if needed

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  • 2 weeks later...

this is very confusing ...1 month ago I just got a loan of Welcome finance ...I think this is how Capquest has caught up with me :-(

but havent received no paperwork confirming the loan ...waiting to see if they start the d.d. this month .. how can they trade if they are dormant:?:

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Nino1 - Arrow is part of a bunch of Yankee come-latlelys who are going to teach us poor downtrodden Brits how to collect debts effectively - just like the G.I.s won the war for us. Given the scumbags already in the market my view is they've left it a bit late, but perhaps they've just found Pearl Harbor on an atlas.

 

My beef with them is that they devote a whole page of their website to slagging off the CCCS - "Gee youse guys - when your creditors chose CCCS you should have done chosen Arrow" (or something similar).

 

In my view quite libellous, but confirmation that the CCCS has gotten under their motherf*****g hides.

 

More info. available if required. Good luck all. Vandermerwe.

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  • 2 weeks later...

Hi i have just read the whole of this thread, and wow, it has blowm my brains out. anyway I am a newbie to all of this. but I do have letters and phone calls from Buchannan Clark & wells, chasing my debt for Natwest bank. I have only just cca they they signed for it yesterday, but can someone please explain the bit about being dormant (them not me!!), if they are dormant does that mean they should not be chasing my debt, and that i do not pay them anything, what if they can produce my cca, then what. please help

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Just heard from B.O.& S. in the Republic of Scotland.

 

Their letterhead states 'Debt Collectors'.

 

Registered Office: Arrol House, Viking Way, Rosyth KY11 2UT.

 

Registered in Scotland No. 133457

 

Claiming to act on behalf of "Halifax" they begin: Blair, Oliver & Scott Ltd. is a professional debt collection agency blah, blah.

 

Call our Helpline Number 0870 240 5138 (sic).

 

Our comrades-in-arms 'saynoto0870' give the alternatives of 0131 4427777 (Switchboard HBOS ask for Blair Oliver and Scott to get through) and, by lucky hap 0800 0560808 (Part of Halifax (HBOS).

 

Doesn't sound very dormant to me!

 

Vandermerwe

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These parasites don't have much imagination.

 

To make sure who you are looking for, Google (UK sites only) "First Credit" and you'll get their website. When I tried it was the first name to come up. They are based in Evesham.

 

Then go to the second page (I think it was) of Google's list and click on 'Odd telephone call from First Credit Ltd.' and you see a whole can of worms opening up.

 

That's 1st Credit and they too have a web site, but as far as I can tell no connection.

 

Hope this helps.

 

Vandermerwe

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TOTAL Confusion - EOS Solutions UK (Warrington) were called Logic Group until Sept 06.Logic Group (Edinburgh) were called Collection Agencies until Sept 06.Collection Agencies (Warrington) were called EOS Solutions ltd until Sept 06.EOS Solutions ltd (Warrington) were called EOS UK Holdings until Jun 06.EOS UK Holdings (Edinburgh) were called EOS Solutions ltd until Jun 06 , then EOS Solutions UK until Sept 06. FULL CIRCLE!! How can they just swap their names around like this??

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