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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Credit AGREEMENT -or- APPLICATION? RBS Advantage Card


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63(4) In the case of a credit-token agreement, a copy under subsection (2) need not be

given within the seven days following the making of the agreement if it is given before

or at the time when the credit-token is given to the debtor.

 

Could you explain that in simple English for me please?

 

Regards, Dave.

They have to give you a copy of the EXECUTED agreement. If they didn't sign it (i.e. execute it) how can they have complied? They signed it 3 months later. Therefore they haven't complied with section 63.4

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63(4) In the case of a credit-token agreement, a copy under subsection (2) need not be

given within the seven days following the making of the agreement if it is given before

or at the time when the credit-token is given to the debtor.

 

Could you explain that in simple English for me please?

 

Regards, Dave.

Hi

It means they dont have to give you a copy if you recieved one between signing and getting the card or with the card

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Does a printed signatuer on an agreement count as an executed agreement or does it have to be a hand signed signature. I have a Barclaycard agreement (without t& c's) with a printed one and just wondered if this was sufficient? Have read the thread and have not really got a conclusive answer.

Thanks

HI

 

IMO

The Creditor must sign or have someone sign in his place the lack of a signature would render the agreement unenforceable without the aapprovel ao a court order.But agin IMO they would have no problem in getting one in this instance.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi

 

I am not convinced that s59 helps in this 'application v agreement' issue any way.

 

Quote:

 

59 Agreement to enter future agreement void

 

(1) An agreement is void if, and to the extent that, it purports to bind a person to enter as debtor or hirer into a prospective regulated agreement.

 

My understanding of this section is that only the clause of such an agreement that states that you are bound to a further prospective regulated agreement is void - not the initial agreement itself!

 

Note it says that 'an agreement' is void - not 'a regulated agreement is void'.

 

A possible case might be if a customer signed a contract of purchase in a store, intending to finance the purchase by a seperate regulated credit agreement, and the contract agreement stated that, by signing that document, the customer would also be bound by any associated prospective regulated credit agreement for finance.

 

Regards, Pam

 

I dissagree the mention of agreement just means thathte current one isn't signed and therefore unexecuted and is the prospective agreement..

 

Regs

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I dissagree the mention of agreement just means thathte current one isn't signed and therefore unexecuted and is the prospective agreement..

 

Regs

Peter

 

Hi Peter

 

Can you explain what you are saying here please?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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mmmm this is

 

but ok its an application/credit agreement, but surely it still only SHOWS you applied for credit?

 

Not notification that you were succesful? or am i just being dumb?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hi can anyone tell me what they make of this agreement please?

 

 

http://i6.photobucket.com/albums/y208/trickytrishuk/ccagemoney.jpg

 

its from GE money for a store card the bit they've highlighted in blue is the PPI they reckon was ticked but this PPI only appeared on my statements around 2003 and not before this is what I cant get my head around! it was taken out in 1998 could they have added this tick at some later date?

 

any help much appreciated thanks :D

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Do you have statements before 2003 that do not show it?

 

I think they're going to argue that it is ticked, you're going to argue that the mark is in fact a strike through of that entire section, done by the person who filled out the application. They'll say 'honest mistake', you'll say 'honest mistake' and they should refund it. The angle and length, along with a small tick-like tail appears on the other right handed ticks placed on the left hand side of the application.

 

If you have the statements showing you've not been paying it prior to 2003, you should be OK.

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Hi

 

This document, although obviously an 'application form', does contain all of the prescribed terms (credit limit info./interest/repayment info. in the financial details section.

 

But it does not contain the required statutory statement about your rights under the CCA so is improperly executed. So even if they insist it is an agreement it is still only enforceable with an order of the court.

 

Also since the creditor (GE) is different from the supplier (Burtons) I would have thought that it should contain the CCA statement about your remedies against either for breach by the supplier (s75 CCA) and also the one about limit of liability for loss or misuse of credit token but I'm not certain about these in the store card scenario.

 

If they have only been charging for PPI since 2003 then I would ask them to explain why, if you supposedly signed up for it in 1998!?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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i would insist that it was never you that ticked that (they cant prove you did) and reinforce that by saying that PPI has only been coming out since 2003, 5 years AFTER you applied, and that with immediate effect you want those 5 years premiums back as you never ticked that box in the first place.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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many thanks for all your replies on this much appreciated!

 

the 25th of feb and 14th march Letters they refer to was my prelim and LBA for charges and PPI back! this is the only letter I've recieved so far they still have a few days though before the Lba Time expires! Just waiting to see if i recieve anything else about the charges then it will MCOL for them :)

 

many thanks again for all the advise :D

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On the question of whether interest can be charged on an account if the agreement is unenforceable, I have found a definition of enforce in definition.com as

 

–verb (used with object), -forced, -forc·ing.

1. to put or keep in force; compel obedience to: to enforce a rule; Traffic laws will be strictly enforced.

2. to obtain (payment, obedience, etc.) by force or compulsion.

3. to impose (a course of action) upon a person: The doctor enforced a strict dietary regimen.

4. to support (a demand, claim, etc.) by force: to enforce one's rights as a citizen.

5. to impress or urge (an argument, contention, etc.) forcibly; lay stress upon: He enforced his argument by adding details.

 

I read this to be wider than just to force repayments. Do we have any other definitions or thoughts that may clear this us or at least formulate a good argument.

 

We are also still unclear on the agreement vs application form argument. Has anyone had any thoughts about this yet?

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We are also still unclear on the agreement vs application form argument. Has anyone had any thoughts about this yet?

 

I think one of the arguements i'm going to use when I get the inevitable where's our money letter from RBoS is that the "agreement" is "executed" nearly 3 full months after they sent the card out........

 

Any more thoughts...?

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Hi all,

 

since MBNA have finally complied with the SAR, they actually sent me a copy of the original application form i signed (i actually requested that they send the true copy of agreement), now i also had the agreement they sent me just after i signed up.

i have attached the scans in the post (cant figure out how to post the jpeg into the post, any help ?) take a look and see what you think of these two items.

which one is the most relevant ?

 

any ideas ?

 

http://www.consumeractiongroup.co.uk/forum/general/75615-cca-application-agreement-copy.html

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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HI

 

IMO

The Creditor must sign or have someone sign in his place the lack of a signature would render the agreement unenforceable without the aapprovel ao a court order.But agin IMO they would have no problem in getting one in this instance.

 

Peter

 

Peter

 

This (in red) would be after the event then and not a true copy of the agreement and anyway would be unlawful and probably illegal. There is some doubt as to whether a stamped signature truly complies.

 

Z

[sIGPIC][/sIGPIC]

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Hi all,

 

since MBNA have finally complied with the SAR, they actually sent me a copy of the original application form i signed (i actually requested that they send the true copy of agreement), now i also had the agreement they sent me just after i signed up.

i have attached the scans in the post (cant figure out how to post the jpeg into the post, any help ?) take a look and see what you think of these two items.

which one is the most relevant ?

 

any ideas ?

 

http://www.consumeractiongroup.co.uk/forum/general/75615-cca-application-agreement-copy.html

 

Hi

 

The first document is just an application form and does not have any of the prescribed terms on so is wholly unenforceable anyway. The second document does have the prescribed terms but is not signed, is NOT a 2nd copy of your agreement that you should have received with the card, has no statements of statutory rights and remedies, no cancellation notice etc etc. So neither document is enforceable full stop!!

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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HI, do you think is a cca or just an application, i,m stupmed:-| rinkydinkydoosscan.jpg?t=1174533846RINKYDINKYDOOSCANPIC.jpg?t=1174533507

 

Hi

 

Is there any way you can enlarge the small print section and scan it the right way up? I'd like to see what it includes.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Guest Battleaxe

Image1-1.jpg

 

I have enlarged mine from Capital One it is the same as posted. I posted my original agreement on this thread and it is identical.

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