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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
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    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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CrispDust v MBNA


CrispDust
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No idea. I've got statements somewhere, probably, but somewhere is deep in the bowels of my loft and I'll get a migraine looking through all the stuff. Much better to let them do the donkey work for £10!

Probably alot as the debt was included in my IVA - all settled and paid in full 18 months ago. Although I discovered yesterday that they have had the cheek to put on my credit record with Equifax that it was only "partial payment" Yeah too damn right because most of the debt was hiked-up unlawful charges!

Little buggers aren't they?

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Did you chase the dpa up with MBNA??

 

Only want to know as im gonna be in your position soon

 

still no word from our friends at mbna to my dpa.

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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you can't claim online for DPA failure, you would need to do that in person at the court and remember you can only claim for distress on DPA actions if you have suffered a monetry loss e.g. postage, phone calls etc.

 

Issue the claim but they will file a defence around day 14 but give you what amount you want by way of a good will gesture and that will get rid of your claim as far as they are concerned.

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soused scurry- why can't you claim using MCOL? Surely the whole procedure is identical, wether you use local court or not?

And how do I know the amount i I don't have the information to work out claim!

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OMFG!!

I don't like using the phone for these sort of things - letter always much more direct and simple but I thought what the heck - gave Gareth T a call today, before submitting Small Claims on DPA compliance. He wasn't in but the lady i spoke to eventually found that the SAR request info/transactions had been sent to an address last used over 5 years ago....

The 3 letters I have sent had my "new" 11 years old address on, clearly headed notepaper. Indeed they even replied to my current address on 23rd June!

Informed nice lady that i would be making a complaint to the Information Commisioner cos they had sent sensitive data to the wrong address.

 

And it goes on...

Returned home (to my "new" current 11 years old address) to find a letter from MBNA saying thank you for the letter of 16th June - yes this is true and "sorry to read of my dissatisfaction with the application of charges" - untrue. All i have done is submit a SAR so I can make a calculation of unlawful charges!

 

And it goes on...

There was some pathetic defence about T&Cs blah blah and then low and behold an offer (goodwill) of £450, credited to my account, plus the return of the £10 postal (enclsoed) order. It then goes on to mention that the credit raised will be forwarded to Eversheds (legal firm I think...) to reduce my outstanding balance.

Couple of eyebrow raisers here:

1. Refund even though I haven't yet asked for it 9it will be more than £450)

2. Credited to my account? the account was closed in 2001...

3. £10 postal order? I sent a cheque. The "returned" postal order was not enclosed as stated.

4. I have no outstanding balance and certainly no arrangement with Eversheds!

 

Looks like they are communicating with me over somebody else's claim.

Any takers?

Account number ending ....7183. Its possible they may have extracted the wrong account number as i did not know it.

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what a cock up !

 

I would call michael rhodes pa on 01244 672040 and go mad ! Why aren't they taking your claim seriously ? (well that would be my take) This should get it sorted in no time.

 

alternatively, wait until between 1 + 2 pm when the pa goes to lunch and then call, you may find you get Michale Rhodes answering himself, that's what happened to me a couple of weeks ago

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Well I received some infomation from MBNA (to the correct address) - just a list of "unlawful" charges - about £500 or so, sort of transferred into a spreadsheet table. Looks "manually" done - can we trust this?

But nothing else.

The letter stated if I wanted a "full" Subject Access Request I would have to let them know and send £10.

 

Doh! - my S.A.R - (Subject Access Request) letter stated quite clearly I wanted all the data they hold on me. And they already have the payment - they didn't return the cheque they said they had in the letter. These people really don't know their a*@e from their elbow do they?

Anybody know what the monthly interest rate for an MBNA carde circa 2000-2001?

Does 2.5% sound about right?

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As part of my LBA (21/8/06) I sent a revised letter requesting the original amount PLUS contractual interest. This more than doubled the claim :)

I have received a cheque today for the original amount that MBNA "offered" in the cock up letter (see earlier in thread) - which is JUST charges - no interest of any sort and only 35% of total claim. NO conditions attached. Not even in FULL and Final Settlement". Which is weird.

 

Naturally I will accept cheque in part payment and wait for the remainder.

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I'm just about to start with my old 'friend' MBNA, but reading your thread makes it look like they have NO IDEA what they're doing :(

 

I've got old statements but can't find the new ones, so I'm going to try an open ended (non-date-limited) S.A.R and see what I get back. I'm sure they passed me on to a debt collection agency (Direct Legal and Collections) so I'll see if that information comes back as well.

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