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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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CCA Agreements (Mark II) PLUS any other topic


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Hi Santos

 

If you send a cca and SAR request, by recorded or special del asap - and ensure that you head the letters 'Account in Dispute', this should (under CCA regs) stop any further legal action whilst under dispute. You could also send a DPA section 10 letter which will not only confirm the account is in dispute, but clearly advise that they should stop processing data/non-disclosure to 3rd parties/contact credit ref agencies etc. That letter is in the template library. Just amend to suit your details - but read thoroughly - (as you do the cca and sar) and get them all send off with your postal orders (crossed).

 

This should hold the action, and allow time for charges etc to be calculated.

 

Need any further help - just shout.

 

Pers

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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Thanks Perseus

 

I will get onto that straight away and I'm sure I will need to ask more questions it just seems abit strange, me, trying to dictate to these people on my terms, never had to do anything like this before so its all new to me

 

Many thanks

 

Santos

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Hi Santos

 

If you send a cca and SAR request, by recorded or special del asap - and ensure that you head the letters 'Account in Dispute', this should (under CCA regs) stop any further legal action whilst under dispute. You could also send a DPA section 10 letter which will not only confirm the account is in dispute, but clearly advise that they should stop processing data/non-disclosure to 3rd parties/contact credit ref agencies etc. That letter is in the template library. Just amend to suit your details - but read thoroughly - (as you do the cca and sar) and get them all send off with your postal orders (crossed).

 

This should hold the action, and allow time for charges etc to be calculated.

 

Need any further help - just shout.

 

Pers

 

 

Hi Perseus

 

Just been looking at the S.10 DPA notice and it says that they are to cease processing my info within 7 days of them receiving it. Unfortunately even if I sent it special next day tomorrow 19th and they receive it on Friday the 20th the default says that I have untill the 25th to address the matter before all the other action (termination etc) will come into effect. Can I alter the 7 days to say 3 to fit into the time frame I have otherwise I think I am stumped.

 

Also the debt is not wholly or mainly charges although the last few months will be, it is my present situation that is the problem and the ppi that I have been paying which is about as much use as a chocolate fireguard to me which they keep charging me monthly for.

 

Thanks

 

Santos

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Can someone help me please for clarification.

If a creditor fails to send an agreement in time (deadline runs out Friday)

 

Can I report them to

- Office of Fair Trading

- Trading Standards

- Information Commissioner

- Financial Services Authority

Is there anyone else I have missed?

 

What action can I take?

N1 to court for non-compliance

Send them a S85 default notice if I want to claim all my interest back?

 

anyone?

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Hi

 

When you say failed to send in time, do you mean within 12 working days of receipt, or that period plus the further calender month?

 

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 hope that you have the original demand recorded !!

 

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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yes, got proof of posting in my hand - posted 1st March, received 2nd March according to Post Office track and trace - I think the PO profits must be soaring of late!

I send everything recorded but my OH, bless him, thought he was doing me a favour in posting two letters, 1 was a SAR for Monument and 1 was a SAR for Nationwide Credit Card account! :eek:

So I thanked him through gritted teeth, cancelled the cheques and sent them out again - recorded this time :D

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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oooooh I'm doing monument as well :-)

 

NO reply as yet :-) 12+2 is up :-)

 

can i ask did they start suddenly adding insurance to your monthly as well?

 

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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can i ask did they start suddenly adding insurance to your monthly as well

not sure yet as I'm still waiting for the SAR info - it was my OHs account, so I'll defo look over it to see if they have added anything on that they should'nt have

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Hi Perseus

 

Just been looking at the S.10 DPA notice and it says that they are to cease processing my info within 7 days of them receiving it. Unfortunately even if I sent it special next day tomorrow 19th and they receive it on Friday the 20th the default says that I have untill the 25th to address the matter before all the other action (termination etc) will come into effect. Can I alter the 7 days to say 3 to fit into the time frame I have otherwise I think I am stumped.

 

Also the debt is not wholly or mainly charges although the last few months will be, it is my present situation that is the problem and the ppi that I have been paying which is about as much use as a chocolate fireguard to me which they keep charging me monthly for.

 

Thanks

 

Santos

Hi Santos

According to Section 88 of the cca, notice of default under 87(1) should allow a minimum of 7 days after day of being served(when you receive it).

Due you have a case to argue regarding the PPI? would it not cover you? is it fit for the purpose? was it agreed by you, or mis-sold... that is something else that can be used to argue in support of the unlawful charges.

You could also edit the section 10 notice, as it would serve notice that the account is in dispute, and they are not allowed to process/disclose your details re default whilst in dispute.

 

If you'd like to post any draft letter on here for comments first - feel free.

 

Hope the above helps

 

pers

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've just sent a snot-a-gram back to Cap1 re a cca rqst that went default on 27th March. 30 days is up on 26th April, and all they sent me was a shiney new (post april 2006) copy of the generic T&C's info sheet. Their covering letter even described the contents as such.

BA helped with a reply, and they have little time left to respond.

The SAR enclosed in the same envelope runs out of 27th April, so I might just take em to court for both at the same time.

 

At least this way, I have extra leverage to get the default removed (which was unjustly applied anyway).

 

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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Well, I did tell you some time ago, I had a problem with my shnozzle!

 

:-)

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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Share on other sites

Hi Santos

According to Section 88 of the cca, notice of default under 87(1) should allow a minimum of 7 days after day of being served(when you receive it).

Due you have a case to argue regarding the PPI? would it not cover you? is it fit for the purpose? was it agreed by you, or mis-sold... that is something else that can be used to argue in support of the unlawful charges.

You could also edit the section 10 notice, as it would serve notice that the account is in dispute, and they are not allowed to process/disclose your details re default whilst in dispute.

 

If you'd like to post any draft letter on here for comments first - feel free.

 

Hope the above helps

 

pers

 

Hi Perseus

 

I have been reading through the electric lemon v G E and the person who is advising on the matter (Laiste) has said that a default notice has to give at least 14 days, not including allowing for postage times for you to act on it

 

"The Default Notice dated the 22nd February 2007, was not received until the 3rd March 2007, which failed to provide the requisite fourteen days to remedy the alleged breach of contract, as required under the Consumer Credit Act 1974. This renders the Default Notice invalid. Additionally, the amount requested in the Default Notice was in excess of what was actually required to remedy the alleged breach of contract. The amount claimed contains penalty charges, which are unlawful at Common Law, under The Unfair Contract Terms Act 1977 and The Unfair Terms in Consumer Contracts Regulations 1999. The Default Notice had to be accurate to be enforceable, the inclusion of penalty charges renders it legally invalid"

 

So I think mine is also invalid because the date of the notice to the time scale given to act upon it is 13 days from the date of the notice plus according to the date on the notice it is 4 days from going to print, to being delivered to me.

 

I will draft a letter and post it for you to have a look at (minus all personal information)

 

Many Thanks

 

Santos

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How does this look, I adapted it to suit me

 

Statutory Notice pursuant to Sections 10 and 12

of The Data Protection Act 1998.

 

Data Subject Notice

 

 

 

 

To: The Data Controller

Nasty Bank credit cards

Down South

UK

 

Data Subject: Santos ehelper

Address:

Evergreen Terrace

Springfield

USA

Whereas I have been a customer of Nasty Bank plc and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998.

 

Therefore, take notice that I require that you cease from processing with immediate effect on the receipt by you of this Notice, or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of alleged defaults or contractual breaches or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which has been caused to date. And that as the processing of the said data in the way referred to in this Notice would violate both the Principles and Data Subject’s rights of The Data Protection Act 1998, to do so would be both unwarranted and unlawful.

 

Signed

 

Santos Ehelper

 

Mr Santos Ehelper

 

Dated this nineteenth day of April, in the year two thousand and seven.

 

Wasn't sure wether this is alright so any comments as always will be appreciated

 

Santos

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How does this look, I adapted it to suit me

 

 

Statutory Notice pursuant to Sections 10 and 12

of The Data Protection Act 1998.

 

Data Subject Notice

 

 

 

 

To: The Data Controller

Nasty Bank credit cards

Down South

UK

 

Data Subject: Santos ehelper

Address:

Evergreen Terrace

Springfield

USA

Whereas I have been a customer of Nasty Bank plc and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998.

 

Therefore, take notice that I require that you to cease from processing with immediate effect on the receipt by you of this Notice, or else that you do not begin??? to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of alleged defaults or contractual breaches or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which has been caused to date. And that as the processing of the said data in the way referred to in this Notice would violate both the Principles and Data Subject’s rights of The Data Protection Act 1998, to do so would be both unwarranted and unlawful.

That bit in red doesn't make sense to me....but then what do I know?!

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How does this look, I adapted it to suit me

 

 

 

Statutory Notice pursuant to Sections 10 and 12

 

of The Data Protection Act 1998.

 

 

Data Subject Notice

 

 

 

 

 

 

 

 

To: The Data Controller

Nasty Bank credit cards

Down South

UK

 

Data Subject: Santos ehelper

Address:

Evergreen Terrace

Springfield

USA

 

Whereas I have been a customer of Nasty Bank plc and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998.

 

Therefore, take notice that I require that you to cease from processing with immediate effect on the receipt by you of this Notice, or else that you do not begin??? to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of alleged defaults or contractual breaches or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which has been caused to date. And that as the processing of the said data in the way referred to in this Notice would violate both the Principles and Data Subject’s rights of The Data Protection Act 1998, to do so would be both unwarranted and unlawful.

 

 

That bit in red doesn't make sense to me....but then what do I know?!

 

I have no idea either I thought it was legal stuff, I adapted it from surleybonds and all I changed was cease from processing within 21 days to cease from processing with immediate effect because I haven't got 21 days to spare (more like 4)

 

Santos

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Hi

I have just found my original Terms and Conditions fo Cap One, they differ from the one they have sent me in my CCA request, where do I go from here.

Thanks

 

Hi

 

Is the 'copy' agreement you have received from CapOne just the usual application form type with the T&Cs in a different document/leaflet?

 

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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How does this look, I adapted it to suit me

 

 

Statutory Notice pursuant to Sections 10 and 12

 

of The Data Protection Act 1998.

 

 

Data Subject Notice

 

 

 

 

 

 

 

To: The Data Controller

Nasty Bank credit cards

Down South

UK

 

Data Subject: Santos ehelper

Address:

Evergreen Terrace

Springfield

USA

19th April 2007

With reference to account number:_______________________

 

Whereas I have been a customer of Nasty Bank plc and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998.

 

Therefore, take notice that I require you to cease from, or commence processing with immediate effect on the receipt by you of this Notice, or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of alleged defaults or contractual breaches or breaches contrary to The Common Law. At this present time, and as you aware aware from my letter of (insert date of SAR/CCA etc)- this account is in dispute. To further progress any default action against me/this account whilst it is still in dispute, will be vehemently defended, in County Court if neccessary.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which has been caused to date. And that as the processing of the said data in the way referred to in this Notice would violate both the Principles and Data Subject’s rights of The Data Protection Act 1998, to do so would be both unwarranted and unlawful.

 

Signed

 

 

Santos Ehelper

 

Mr Santos Ehelper

 

 

 

Wasn't sure wether this is alright so any comments as always will be appreciated

 

Santos

 

 

How's that?

 

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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