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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  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 fact that no contract has been produced with the 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 “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 the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 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 these documents.  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. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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      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.

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Guidelines - Requests For An Original Agreement Under The Consumer Credit Act 1974


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Apologies if I have posted this in the wrong thread (if it is, could a Moderator kindly move it to the correct place :) )

 

After I CCA Barclaycard I have received a copy of my original application form (Below) and nothing else.

 

bcoriginalappilactionfoew8.th.jpg

 

Am I right in saying that this in not an enforcable signed credit agreement, but just an application form. Or am I barking up the wrong tree :confused:

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Hi Bog

 

Unfortunately what you have uploaded is far too small for anybody to read. You need to go to photobucket.com and open a free account, then upload your image there and link back to it here.

 

That way you should be able to let people on here see a bigger and better image, and no doubt you will then get some opinions on it.

 

Rob

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Hi Bog

 

Unfortunately what you have uploaded is far too small for anybody to read. You need to go to photobucket.com and open a free account, then upload your image there and link back to it here.

 

That way you should be able to let people on here see a bigger and better image, and no doubt you will then get some opinions on it.

 

Rob

 

Done :) - Now much bigger!

 

Cheers for the info!

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Apologies if I have posted this in the wrong thread (if it is, could a Moderator kindly move it to the correct place :) )

 

After I CCA Barclaycard I have received a copy of my original application form (Below) and nothing else.

 

bcoriginalappilactionfoew8.th.jpg

 

Am I right in saying that this in not an enforcable signed credit agreement, but just an application form. Or am I barking up the wrong tree :confused:

 

There are some issues with this agreement - if you start your own thread, then post a link to it back here, I'll share it with you there;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

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There are some issues with this agreement - if you start your own thread, then post a link to it back here, I'll share it with you there;

 

Thanks Car2403, new thread started here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/132464-barclaycard-enforcable-credit-agrreement.html#post1393784

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Hi

 

I have a problem with Citi Cards and requested a copy of the consumer credit agreement I sent the first request (as outlined by this site - thanks guys) on the 22nd september 2007 and included the £1 cheque as advised.

 

They failed to respond so i sent another request on the 11th of Oct 2007 with another £1 cheque, still no response, so I sent a 'default' letter (again as outlined on this site) on the 25th October 2007. I then sent them a Subject Access Request on the 19th December, to which they have not responded. But, they finally sent a copy of my original application form on the 28th February 2008. shown below...

 

They have charged me additional charges and interest during the period of default, and refused to refund it. I have not paid a penny on the account since it went into default. And as they have to refused to refund the additional charges and interest I have refered the matter to FOS.

 

LetterbackfromCiti12February2008part2upload.gif

 

LetterbackfromCiti12February200%20part3.gif

 

My question are;

 

- does the application form constitute a Consumer Credit Agreement?

- what are my options regarding the timings of their response and further possible action?

 

Thanks in advance to anyone who can help

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My question are;

 

- does the application form constitute a Consumer Credit Agreement?

- what are my options regarding the timings of their response and further possible action?

 

Thanks in advance to anyone who can help

 

This looks enforceable to me, MBciti. The prescribed and required terms are there, (credit limit, interest rates and repayments) so the agreement is properly executed.

 

The credit limit isn't on the agreement, but it does say how it will be determined and that you will be told. (Usually happens on your statement)

 

The only thing you could argue is that the terms & conditions don't form part of the agreement, as there are no "links" (usually sequential reference numbers) that show the pages are one document. This is dodgy, as they could show up with the original in Court and the Judge will have to enforce it if that happens and the terms are in the same document.

 

As for their "default", that default only continues while the agreement hasn't been provided - now they've given it to you, there is no "default", even though they've not stuck to the prescribed period.

 

This has no effect on charges/interest applied during that failure.

 

The 2006 Act has a requirement for provision of statements regularly, without which no interest/charges can be applied to the account until they are provided - this wasn't part of the 1974 Act, which regulates your agreement, however. You could use this to part defend enforcement of the entire balance, using the 2006 Act requirements as being "in the spirit of the law", as the 1974 Act does say they can't enforce while in default - but there is no direct legislation covering this, so you're relying on getting a sympathetic Judge.

 

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Sent a cca request to debitas(acting for capital 1) on the 18th feb,recorded delivery and with a £1 postal order,I've now received a letter from them(dated 21 february) saying that because i have not called them or make a payment they are sending an 'agent' to my home in the next 7 days to"discuss my debt"!the cca request went to a PO box so i cant confirm it has been delivered,I do have a fax number for them and i wondered what course of action i should take,any ideas? i have to say i am a bit worried about some no-neck turning up on my door demading money:(

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Sent a cca request to debitas(acting for capital 1) on the 18th feb,recorded delivery and with a £1 postal order,I've now received a letter from them(dated 21 february) saying that because i have not called them or make a payment they are sending an 'agent' to my home in the next 7 days to"discuss my debt"!the cca request went to a PO box so i cant confirm it has been delivered,I do have a fax number for them and i wondered what course of action i should take,any ideas? i have to say i am a bit worried about some no-neck turning up on my door demading money:(

 

Send them this;

 

I refer to your letter dated **/**/****.

 

You will see from your files that this account is “in dispute”, as I wrote to you in terms of the dispute that I have in a letter dated **/**/****.

 

I am writing to inform you that this dispute still stands and has not been resolved.

 

As this account is in dispute and you were aware of this and are continuing to carry out collection activity, I now feel that you are in breach of your obligations under;

§
The Office of Fair Tradings Collection Guidelines;
o
“Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued”

§
The Banking Code;

o
“not ceasing collection activity whilst investigating a reasonably queried or disputed debt.”

§
Your Consumer Credit License

 

As such, I must ask you to take notice that you must cease all collection activity with immediate effect. The alleged credit agreement you are relying on does not provide you with permission to continue to contact me regarding this account, either by post or by personal contact, be that by telephone or visits to my property. In fact, OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending "doorstep callers" to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an injunction from the Court.

 

I also deem any further collection activity, of any nature that involves contacting me in relation to this account, an act of personal harassment, for the reasons outlined in this letter. Please ensure that your system is updated to reflect this, as I will bring any further letters or phone calls to the attention of the Police, to whom I will make a formal statement regarding your conduct given I have already warned you your behaviour causes me to feel harassed.

 

I am of the view that your continued harassment of me puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by calling me, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded and used as evidence in any further formal complaint.

 

Yours faithfully

 

If they do turn up, tell them to wait a moment, close the door then call the Police.

 

If they write to you again, without providing an agreement, contact your local Police station, showing them a copy of your letter (you'll need to get proof of postage to confirm it was sent) along with their letter and make a statement complaining about harrassment.

 

Either way, the Police are duty bound to investigate.

 

I have a feeling you'll either receive a copy of the agreement or you won't hear from them again.

 

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RE POST 531

 

 

where's the heading at the top of the APPLICATION FORM about the CONSUMER CREDIT ACT 1974 ETC ETC ....

 

IT SHOULD BE WHERE IT SAYS " NO OTHER GOLD CARD............."

 

IMHO that would make it incorrectly executed, but not irredeemably unenforceable, so if they took it to Court a Judge could easily enforce it :(

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To be honest, I thought as mine was an application for credit form, not a consumer credit agreement, it would not meet the requirements of a consumer credit agreement... So I am wrong? and they could use this in court to enforce the debt?

 

To the best of my knowledge - If the document you & the creditor signed contains all the prescribed terms correctly then it can be enforced by a Court.

 

For more info http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html#post1005260

 

The box you signed says it is an agreement, and the small print prior to the signature box refers you to the terms & conditions. The Terms & Conditions seem to contain the prescribed terms

Now assuming that the 2 pages you've posted are part of the same document then, it does look as though it could be enforced with a Court Order.

 

 

For a better discussion, start your own thread & post a link here.

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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cOULD SOMEONE PLEASE TELL ME IF THIS LOAN AGREEMENT IS ENFORCEABLE PLEASE?????

 

http://i252.photobucket.com/albums/hh29/Soo43_photos/agreementsentbynorthernrock.jpg

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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cOULD SOMEONE PLEASE TELL ME IF THIS LOAN AGREEMENT IS ENFORCEABLE PLEASE?????

 

http://i252.photobucket.com/albums/hh29/Soo43_photos/agreementsentbynorthernrock.jpg

 

I think unenforceable, as the rate of interest is missing. The APR is shown, but that includes fees, compound interest, etc, so isn't a specific rate of interest applied to the account. As rate of interest is a prescribed term, which is missing, the agreement is unenforceable, IMHO.

 

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I think unenforceable, as the rate of interest is missing. The APR is shown, but that includes fees, compound interest, etc, so isn't a specific rate of interest applied to the account. As rate of interest is a prescribed term, which is missing, the agreement is unenforceable, IMHO.

 

thanks car2403 - I didnt get any terms or conditions with it either - which section should i quote then when i argue my point with them as i have to go to court next week :-o

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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How trustworthy is your bank?

 

Phantom loans, 'recreating' paperwork, bringing dozens of lost documents back to life

 

How trustworthy is your bank? | Money | The Guardian

 

 

intresting read regarding cca

 

ad:)

 

You'll find the whole case outlined on CAG; (including several follow up stories)

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/11427-walton-rbos.html (read from last 10 pages or so to skip the preliminary details)

 

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s.77/s.78 and the Consumer Credit (Agreement) Regulations (1983).

 

Have you a thread on this claim, Soo?

 

information is here not sure if it is my thread - get a little confused due to my illness - thanks for help

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/131464-northern-rock-ccj-interim.html

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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Hello,

 

Can someone please clarify a point for me please ? The last post on this subject was dated early last year and I'm not sure if any legislation has been updated since then.

 

I have requested, from Vanquis , a copy of the original signed credit card application. Amongst other things I wanted to see if it has been signed by or on behalf on the bank, as I believe is required under the CCA 1974

 

In reply they have sent a copy of a sample application form ( i.e. no details filled in at all ) and they state

 

Quote

 

"In satisfaction of your request made under section 78 of the Consumer Credit Act 1974 for a copy of the credit agreement, I enclose a copy of the application form which would have been completed by you together with a copy of the terms and conditions referred to in it "( the T & C are on a seperate document - my brackets)

 

"We regard this as meeting our obligation under section 78 of the Act 1974 to provide you with a true copy of the executed agreement. On their proper construction, that section and Regulation 3 of the Consumer Credit ( Cancellation Notices and Copies of Documents ) Regulations 1983 ( 1983 S.I. No. 1553 ) do not require us to provide you with a copy of the executed agreement between us in the form of a photcopy of that document.

 

Inrespective of the above, you are still obligated to make payments to the above account "....... etc etc etc

 

Unquote

 

Is it true that they do not have to provide a copy of the executed agreement ? How should I respond if it's a ) true b ) untrue /

 

Thanks in anticipation of your comments

 

Valhalla

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Is it true that they do not have to provide a copy of the executed agreement ? How should I respond if it's a ) true b ) untrue

 

No, they have to provide a true copy of the agreement to demonstrate it complies with the legislation.

 

Send them this;

 

Dear Sirs,

 

Account Number: XXX

 

Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974

 

I note that you have replied to the above by sending a copy of an application form and your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act.

 

To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement.

 

This breach of the agreement can be demonstrated as follows;

As you will know section 180(1) (b) authorises, “the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form.” This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557.

 

Before leaving section 180 there are two other sections that should be remembered these are:

 

Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements;

 

And more importantly

 

Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations.

 

You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations.

 

Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557.

 

The regulations state:

(2) There may be omitted from any such copy-

(a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancelable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies);

 

It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations.

 

The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso.

 

Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions.

It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented.

 

I hope this explains why your reply was unacceptable I await a True copy of my agreement and would remind you again that whilst the request has not been complied with the default continues

 

Yours faithfully

 

Then start your own thread, keeping it updated;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

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