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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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CCA Agreements (Mark II) PLUS any other topic


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Hi Guys,

 

I am currently in dispute with Welcome Finance & Approved Car Finance , there is a court case pending re misrepresentation. However, there are other issues re welcome, which I have put on hold due to the current action. There is the charges issue, also they are continuing to process my data even though there is court action and they have received the necessary notices! I would also like to check out the Agreement as I can only see APR box , no interest....& I think the figures could also be incorrect. Can anyone advise me p l e a s e........

Picture004.jpg

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Hi Everyone

 

I just wanted to report some success with my CCA requests:

 

DG Solicitors have responded :'We confirm that we shall no longer be pursuing yourself for the remaining outstanding debt. We shall therefore request for the registered default to be removed.'

 

Aktiv Kapital (who have admitted they can't track down the necessary documents):'In view of this all action by ourselves will now cease and we will arrange for the removal of any default information which may be recorded against you with the relevant credit reference agancies.'

 

However..... Next are sending me repeated letters saying 'I write to confirm that Next does not hold a signed credit agreement for you. Under section 127 (3) of the CCA 1974 this debt is therefore unenforceable......Next will continue to seek payment of the balance owed by you......A default entry will therefore be made on your credit reference file, which may affect your ability to obtain credit in the future. (I never want to obtain credit ever again but I would like as much of this to go away as possible after seven years!) Any suggestions on how to respond?

 

Also my remaining creditors have either failed to respond at all or have sent a holding letter saying that they will send the information as soon as possible (it's now over two months since I sent the original letter and about three weeks since I sent the follow up warning them about their liability for a £2500 fine if they didn't supply the information). I would like to start reporting them to Trading Standards - do I have to contact my local TS Office or do I have to contact the office local to the address of the creditor?

 

Can anyone tell me the correct procedure for approaching Trading Standards - what sort of evidence you have to supply etc?

 

Thanks for all the wonderful help so far:) !!

 

Ruby May

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Hi RubyMay,

 

I'm having the same problems with Next, so will be watching this with interest. They do not hold an Agreement, have admitted that the debt is unenforceable but have still defaulted me.....

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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I'm sure someone here will clarify, but if a creditor/DCA is legally unable to enforce an agreement, and have confirmed this, it would be unlawful for them (libelous) for them to lodge a default against you for a debt that cannot be upheld. You would certainly have a good court case against them (or a defence of one!)

Further, the CRA that accepts details of the default, would also be liable for a damages claim for libel if they record details that have been confirmed as unenforceable.

 

There is a legal arguement - section 10 of the Data Protection Act template letter would serve as notice against them, but please, someone else, clarify the section of cca that the creditor or DCA would be in breach of if they continue with this.

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Companies like Next really annoy me. Now, we all know that unenforceable does not mean the debt goes away. BUT to register a default is the action a creditor takes if the customer doesn't keep up the agreed repayments. In the absence of a credit agreement, there has never been any agreed frequency of payments, so what the heck are they defaulting you on?

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I had a letter off MBNA today, that told me..

 

"I am sorry to advise that we are unable to send you a copy of this application. The reason for this is that the application was made before MBNA took over the account, the previous company no longer has the application on their records.

 

I am sorry we are unable to help at this time."

 

So whats my next step, can i get the default removed?, can i claim the charges that incurred on that account over the years?

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I had a letter off MBNA today, that told me..

 

 

 

So whats my next step, can i get the default removed?, can i claim the charges that incurred on that account over the years?

 

It's been discussed in various threads.

 

What seems to be a good way of doing it is.

 

1) SAR the creditor. apply for all charges with interest.

2) Look for 'ZUBO', he has constructed a great letter re no CCA, and asking for consolidation of all interest payments, and you'll be able to request the removal of all CRA records (including the default) and any bad history markers against you to be removed.

 

Get your money back, then argue the agreement cannot be enforced, so neither should the terms/conditions/charges/default and interest payable on the 'alleged' debt.

They cannot enforce through the court, as they have no agreement with which to enforce or support their claim.

 

I'm sure others who know where the appropriate letters are will advise.

 

Well done!

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Quote:

Originally Posted by santos ehelper viewpost.gif

Looks fine but I am sending them all together so will remove ref to date of letter.

 

If you would be so kind as to have a shuffty at my Data Protection Act request I will post them off today.

 

Mr Santos Ehelper

address

Xxxxxx

Xxxxxx

 

Data Controller: BANK LTD

address

xxxxxxxx

xxxxxxxx

19th April 2007

 

Account In Dispute

 

Data Protection Act disclosure request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx

Please supply me with a complete list of transactions and charges relating to my account since, xxxx. Alternatively a complete set of statements for that period will be acceptable. Furthermore please provide me with a true copy of the executed agreement with you, and a copy of my original terms and conditions. I make these requests Under the Data Protection Act 1984 and 1998, and the Consumer Credit Act 1974 s77-78 and including the right of subject access under these acts.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be so kind as to confirm this in your response to this request.

I further request copies of any transcripted logs regarding telephone calls made to or from me, and any/all details regarding any disclosures made or communications with any third party in relation to my business with you, along with details of any legal action past or present regarding me by you.

I enclose the statutory maximum fees of £10.00 & £1.00 (postal order numbers 1xxxxx) which is to be used as the fee to access ALL data held by BANK LTD about myself and not credited to my account which is now In Dispute. You should be fully aware of your statutory obligations under the data protection act and that any failure to comply to this request could result in an investigation from the Information Commissioners Office. You have 40 days in which to comply.

Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them.

Any such submissions from yourselves, that the relevant data is now only held on Microfiche in date order and can only be provided at extra cost etc is unacceptable as it implies that such data is nonetheless retrievable. In these circumstances, as opposed to copies of statements for the micro-fiched period, I will accept a detailed breakdown of all charges levied to my account in date order.

 

 

Yours faithfully,

 

 

 

Santos Ehelper

 

 

Hi Santos

 

i hope you don't mind the suggestions.

If you're asking for a copy of the 'contract', that's a CCA request under the Consumer Credit Act 1974 s77-78/79, and requires a further £1 fee.

The CCA rqst is allowed to take a max of 12 working days.

Just to let you know the differing timescales!

 

Hope all is ok

 

Perseus :-)

 

 

 

 

 

Santos Ehelper v Nasty Bank

 

Hi all

 

Just a quick update on my situation and a bit more advice needed.

 

Sent out a CCA request and a SAR and a letter putting the account in legal dispute on 25th April along with a section 10 data protection notice to the good people at nasty bank and was just about to send a reminder about the CCA 12 days etc and returned home from work to find a letter off a legal firm asking me to contact them about my account etc before they commence legal proceedings etc. They also enclosed a questionnaire asking for employment details, salary etc and all phone numbers relating to me and work etc.

 

Now I have been really busy with work but have I missed something whilst working where as all the rules/laws relating to the data protection act have changed??

 

Eg why has this account been passed on to these legal people whilst it is in dispute. Is this normal practice. The data controller at nasty bank received all the correspondence I sent but seems to have completely ignored it.

 

Which way do I proceed now, do I write to the data controller at nasty bank or do I correspond with this legal firm who really should not have become involved in this as my letters all stated that the account was in dispute as of the 25th April.

 

Any ideas as which way to proceed would be appreciated.

 

Regards

 

Santos

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Sortingitout - like the bit where they talk about your "application" - is this what you asked them for or was it by any chance an "agreement" that you wanted?

 

I had a Blue Peter agreement today from MBNA, plus a copy of a print-out of my personal details which they seem to think now "satisfies" my CCA request.:D

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I know, i dont know where they got the idea i wanted the "application" from..

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

I have two accounts with MBNA, on the other account they have sent me also, what appears to be just an application form, i think thats where they are getting mixed up.

 

Good news for us both ladybird, how crap is the CCA they sent you?

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It's been discussed in various threads.

 

Look for 'ZUBO', he has constructed a great letter re no CCA, and asking for consolidation of all interest payments, and you'll be able to request the removal of all CRA records (including the default) and any bad history markers against you to be removed.

 

Well done!

 

Thanks:) i have searched for ZUBO, loads of useful stuff has come up which i will get into tonight. I think i will start my own thread and update it as i go along, saves me spamming this one:grin:

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Nice one Sortingit!

 

LadyBird, I'm trying to pm you back and your inbox is rather full ! :)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi Perseus

 

Thanks for the advice about Section 10 - will compose a letter to Next tonight and await the response - so far they ignore whatever you say and just send a repeat of the letter I quoted.

 

I'll let you know.

 

Thanks again

 

Ruby May

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You're welcome.

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Would any one know whether in circumstances where because the cc has not complied with cca request and you stop making payments to the account for non compliance of a CCA request for say a period of 6 months - if the cc then produces a valid executed agreement would you then have to pay them the previous 6 months interest or does the interest clock start again from the date they produce the valid agreement?:???:

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Just a quick one guys (...question that is...lol! Goodness the hilarity of this thread has sucked me in already!!!!)

 

Can I rely on s77 of CCA for a BUSINESS loan. (Have left this query 'around' but no peeps have got back to me an it's gettin a tad urgent.

 

Thanks

 

lel

2006 RatNest - Personal a/c:

JulyLBA, Aug Filed Claim, Oct Settled in full £7,000

 

2006 RatNest - Ltd Co a/c

JulyLBA, Aug Filed Claim, Oct Settled in full £8,000

 

2006 RatNest - Hub's a/c

JulyLBA, Aug Filed Claim,Sept Settled in full £1,000

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Short answer......dont know

but ask them for a copy of it.....if it says "regulated by the consumer credit act 1974" on it then the answer is YES

 

somehow I seem to remember there is a problem with business loans, along with business accounts for claiming charges....they aren't quite the same.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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