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.
        • Like
      • 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
        • Like
      • 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

Mercers Debt Collection


Donel261
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3827 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

Guest dwheeler
When I read your first post I thought you might offer sound advice - how wrong I was ! Snide remarks? Nah just lowered myself to your level in the manner the likes of you speak to us on the phone.

 

Your not getting to me dwheeler - actual fact I'm luvvin every minute of it - more like we are getting to you me finks.

 

You assume, You have never talked to me and you dont know how I would talk or deal with you or your situation, I have been with the company for years and in those 8 years I have never had a complaint made about me regarding my attitude,

 

its not getting to me, I am sat with a cuppa enjoying the breif spells of sun where having

Link to post
Share on other sites

  • Replies 509
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You are simply on here to get people to pay more money...thats the top & bottom of it.

The way you do it is to try & make yourself out to be some sort of "helper" & who has "the best interests of people at heart"...you stuck out like a sore thumb from the start :rolleyes:

I would tell your "director" next time you speak to him...that he (the company) has no legal powers to obtain money out of individuals whatsoever, not 1 penny - only the county courts do.;)

Link to post
Share on other sites

I have never had a complaint made about me regarding my attitude,

 

Maybe not & you could be the nicest person in the world for all we know...we simply come at you from the angle of.....you (your company) has no legal powers to obtain money out of individuals :)

Link to post
Share on other sites

Guest dwheeler
Your Director isn't a main board Director at Barclaycard though....only your Director at Liverpool....

 

Our director like all senior management are based at Barclaycard

Link to post
Share on other sites

Guest dwheeler
Maybe not & you could be the nicest person in the world for all we know...we simply come at you from the angle of.....you (your company) has no legal powers to obtain money out of individuals :)

 

Im sure both you and I will still be doing the same thing in years to come, I just think that this has been a wasted opportunity and resorted to nothing more that a slanging match

Link to post
Share on other sites

I dont think anyone can say they get it right first time, I certainly dont get it right all the time but I dont ever make the same mistake twice..

 

Let me give you an example. I recently had to deal with a single mum with 2 kids whos's child had just got in with the wrong croud and stole her credit card and pin. he ran up debt of just under 2k and had been told unless she was willing to prosecute her own son she was liable, I had her crying on the phone for hours, I explored every option and took a few days to get back to her. her dad was offering a full and final but rather than ruin her already shakey credit rating I decided off my own back to wipe all her over limit and late payment fees and wiped of the debt, which I later took a severe b*ollicing for, now I didnt have to do that but I did, so while I appreciate that you, your friends, your family, may have had problems where not all the monsters you make out

no totally accept that point, fair play to you, but its the fact that in most cases the experience is bad not good and this is why you are experiencing the harsh treatment as alot of our members have not had the luxury of the type of assistance you seem to offer
Link to post
Share on other sites

To the troll, didn't an eminent judge, in summing up a case before him, say “In effect, the creditor--by failing to ensure that he obtained a document signed by the debtor which contained all the prescribed terms--must (in the light of the provisions in subsection 65(1) and 127(3) of the 1974 Act) be taken to have made a voluntary disposition, or gift, of the loan moneys to the debtor. The creditor had chosen to part with the moneys in circumstances in which it was never entitled to have them repaid;”?

Link to post
Share on other sites

Guest dwheeler
You are simply on here to get people to pay more money...thats the top & bottom of it.

The way you do it is to try & make yourself out to be some sort of "helper" & who has "the best interests of people at heart"...you stuck out like a sore thumb from the start :rolleyes:

I would tell your "director" next time you speak to him...that he (the company) has no legal powers to obtain money out of individuals whatsoever, not 1 penny - only the county courts do.;)

 

I had no intention of asking you to pay anything, I came on here to listen to your thoughts. as I said there are millions and millions of customers who we do help and the issues on here are few and far between, I think if we were so bad there would be millions and millions on here and few paying.

 

I am genuinely sorry for your trouble and I do hope people get sorted at least they have turned to this forum and not turned to fee paying DMC's who charge cardholders for there assistance

Link to post
Share on other sites

To the troll, didn't an eminent judge, in summing up a case before him, say “In effect, the creditor--by failing to ensure that he obtained a document signed by the debtor which contained all the prescribed terms--must (in the light of the provisions in subsection 65(1) and 127(3) of the 1974 Act) be taken to have made a voluntary disposition, or gift, of the loan moneys to the debtor. The creditor had chosen to part with the moneys in circumstances in which it was never entitled to have them repaid;”?

yep that was Sir Andrew Morritt the Vice Chancellor in Wilson and First County Trust Court of Appeal

Link to post
Share on other sites

Why is this Troll allowed to continue posting here. He has admitted being a B who works for Sharklycard and comes on here spouting the same tired DCA rhetoric. Time to pull the plug on him.

Link to post
Share on other sites

I had no intention of asking you to pay anything, I came on here to listen to your thoughts. as I said there are millions and millions of customers who we do help and the issues on here are few and far between, I think if we were so bad there would be millions and millions on here and few paying.

I am genuinely sorry for your trouble and I do hope people get sorted at least they have turned to this forum and not turned to fee paying DMC's who charge cardholders for there assistance

 

Erm...you were all uppity with people who wouldnt pay more than a £1 per month & was then putting them on big guilt trips by asking how they would feel if they were owed money and got that much repaid to them :rolleyes:

The £1 per month is a legal thing that you cannot do anything about unless the laws get changed etc..

Please do everyone a favour & stop patronising everyone with comments like "i am genuinley sorry for your troubles" & "only here to help" etc..

No-one on here is stupid & can see right through you.

I know how your industry works inside out, its in the companies best interests for their employees to be as "nice" as they can towards debtors in order to squeeze as much as they can out of them.

Most DCA's are wretched in their attitudes & do themselves no favours at all in that respect.

Maybe Mercers is different like that..i dont know? only those on here who have dealt with them can inform me of that 1 way or the other.

But the basic principle behind what i tell you applies right across the board..in that you have no legal powers to obtain money off people (in a nice or bad way) only the county courts do.

1 day your industry may wake up to that simple fact? :)

Link to post
Share on other sites

Guest dwheeler
no totally accept that point, fair play to you, but its the fact that in most cases the experience is bad not good and this is why you are experiencing the harsh treatment as alot of our members have not had the luxury of the type of assistance you seem to offer

 

It p*isses me off you know cos it takes nothing to be nice and help, at the end of the day I personally would prefer to be b*ollocked everyday and know I have done the best thing

Link to post
Share on other sites

Why is this Troll allowed to continue posting here. He has admitted being a B who works for Sharklycard and comes on here spouting the same tired DCA rhetoric. Time to pull the plug on him.

 

We are having too much fun with him ODC...lets keep him here a while longer ;)

Link to post
Share on other sites

It p*isses me off you know cos it takes nothing to be nice and help, at the end of the day I personally would prefer to be b*ollocked everyday and know I have done the best thing

 

If what you have said is all true then I do hope I have the pleasure of conversing IN LETTER with yourself when Barclaysharks pass my account over, which will be soon as they wont accept my pro rata payment amounts at present.

 

S.

Link to post
Share on other sites

It p*isses me off you know cos it takes nothing to be nice and help, at the end of the day I personally would prefer to be b*ollocked everyday and know I have done the best thing

 

Like ive said..you maybe the nicest person in the world for all we know & may want to genuinley help etc...

But it our obligations to point out that regardless of all that, you have no legal powers over individuals & the more people become aware of that, the happier i will be ;)

Link to post
Share on other sites

We are having too much fun with him ODC...lets keep him here a while longer ;)

 

Yes perhaps we should continue to amuse him while he is on his break. At least when he is posting here he is not on the phone threatening people. I hope he is as smart and supercillious when he joins the ranks of the unemployed.

Link to post
Share on other sites

Guest dwheeler
Erm...you were all uppity with people who wouldnt pay more than a £1 per month & was then putting them on big guilt trips by asking how they would feel if they were owed money and got that much repaid to them :rolleyes:

The £1 per month is a legal thing that you cannot do anything about unless the laws get changed etc..

Please do everyone a favour & stop patronising everyone with comments like "i am genuinley sorry for your troubles" & "only here to help" etc..

No-one on here is stupid & can see right through you.

I know how your industry works inside out, its in the companies best interests for their employees to be as "nice" as they can towards debtors in order to squeeze as much as they can out of them.

Most DCA's are wretched in their attitudes & do themselves no favours at all in that respect.

Maybe Mercers is different like that..i dont know? only those on here who have dealt with them can inform me of that 1 way or the other.

But the basic principle behind what i tell you applies right across the board..in that you have no legal powers to obtain money off people (in a nice or bad way) only the county courts do.

1 day your industry may wake up to that simple fact? :)

 

I have not mentioned the law and I dont pretend to know it, all I have said is that whats happened on here is not normal and we do not behave like the monsters you make out, maybe they rely on good will and being nice I dont know, I look around and I would never work for another debt collector, I dont class this job as debt collection. a lot of good people make the effort every day to help people and do this month after month if a select few spoil that for us the i can only say sorry - we are not all like that

Link to post
Share on other sites

Guest dwheeler
Like ive said..you maybe the nicest person in the world for all we know & may want to genuinley help etc...

But it our obligations to point out that regardless of all that, you have no legal powers over individuals & the more people become aware of that, the happier i will be ;)

 

I have not tried to say or do anything to you that shows otherwise, If I was in the same boat im sure I would come here too. I can tell you there is loads of DMC's who are taking over £200 £300 or in some case £700 per month and there creditors are getting nothing, it makes me sick, I know you dont like them but I push CCCS and Payplan whenever I can because I know if a person is at that stage they need help not someone fleesing them for hundreds on top of their own dept

Link to post
Share on other sites

You dont class it as debt collection...so what do you class it as, helping people? :cool:

I repeat once again - maybe you are not a monster personally, but you are part of a system that is & many people have been abused/deceived & conned on the phone by DCA threat monkeys...so its not a select few, its the vast majority as ive read many horror stories on here for the past 2 years now.

All this apologising & wanting to help etc..is welcome in its own right, but with due respect, we have many others on sites like this who do that job effectivley enough & dont work in the industry ;)

Link to post
Share on other sites

I have not tried to say or do anything to you that shows otherwise, If I was in the same boat im sure I would come here too. I can tell you there is loads of DMC's who are taking over £200 £300 or in some case £700 per month and there creditors are getting nothing, it makes me sick, I know you dont like them but I push CCCS and Payplan whenever I can because I know if a person is at that stage they need help not someone fleesing them for hundreds on top of their own dept

 

They dont need help from anyone in your industry/or connected with your industry..thats what the county courts are there for ;)

Link to post
Share on other sites

I have not mentioned the law and I dont pretend to know it, all I have said is that whats happened on here is not normal and we do not behave like the monsters you make out, maybe they rely on good will and being nice I dont know, I look around and I would never work for another debt collector, I dont class this job as debt collection. a lot of good people make the effort every day to help people and do this month after month if a select few spoil that for us the i can only say sorry - we are not all like that

 

I would have thought an elementary knowledge of Consumer Credit law would have been a requirement for working at Sharklycard. Surely when you are telephoning people up you would need to know what you are talking about. Of course the manner in which you speak to people doesnt matter just so long as you reach your monthly targets. I am so glad that your bosses approve of you coming on here to act as an apologist for them and their shoddy practices. Maybe they will promote you to whatever is higher than a B. You may even become a C.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...