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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CCA's and Dave against the world !!!


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..and they claimed to be on income support in court? :mad:

 

Dave, you mentioned over on the Rankine thread the following:

 

"Yes this is the case I am putting forward

 

I do not deny that I owe the money, but I found out in earlier investigations about charges that the agreement was flawed. As such the agreement is unenforceable.

If this is the case they were not allowed to enforce the agreement ie to add interest. I still owe the money but because of the agreement status they cannot collect.

Any interest was paid in mistake and is due restitution. There a few recent precedents that allow this in common law.

 

 

I'm quite interested in this element because I am counter claiming a finance company who have an agreement which I believe to be unenforceable as it is /should be a ' CCA regulated Multiple Agreement' rather than a single sum 'Unregulated' Agreement - (because the individual amounts making up the loan were in fact all under £25k) anyway,

 

3 questions please:

 

a)" If this is the case they were not allowed to enforce the agreement ie to add interest". - does the fact that they were 'not allowed' to enforce an agreement actually 'mean' the ie: you insert 'to add interest' or is this a term you've just used as a part of the unenforcability aspect? I know it's splitting hairs, but that's often what's needed.

 

b) Restitution - are you saying that the restitution part allows only the 'interest' to be repaid or could one include in that the amounts paid as capital too against the loan ie: anything one has paid against the loan?

 

c) can you point me to this case law by any chance?

 

Mucho appreciated

 

Sarah

 

in answer to your questions.........can I first start by saying that the path I am treading has (to my knowledge) not been tried before, and it is possibly a risky venture. I am confident however in my particular case, but wouldnt like to advise anyone else who's case may be different.

 

a.) if the agreement is unenforceable and has been from day 1, they are not allowed to add interest. This is my opinion, based on the Act and common law.

 

They have lent you money and you have entered into an agreement to repay it ie a contract. contract law is a minefield and not a place to tread unwarely

. Suffice it to say you OWE them the money they lent you. HOWEVER if the agreement IS unenforceable they would find it impossible to collect it.

 

The fact that the agreement is unenforceable means that the terms and conditions no longer (and never have) had effect. this includes the term that allows them to charge interest.

 

b.) You would not be able to reclaim capital paid...... see tomterms explanation in the sticky's

 

c.) for case law see my POC earlier on in this thread....

but it includes

Wilson v FCT

Wilson v Hurstanger

Sempra metals v Inland revenue

kiriri cotton ltd v ....someone?

 

 

hope this helps

 

rgds

 

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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Kiriri Cotton Co Ltd v Dewani [1960] AC 192

 

This was about two parties being "in pari delicto" ie both equally at fault - or rather they weren't both equally at fault.

 

That was a case involving a landlord and tenant where the duty of observing the law was firmly placed by the relevant legislation on the landlord, on whom alone a penalty was imposed if he disobeyed the law. Accordingly the tenant was held not to be in pari delicto.

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Kiriri Cotton Co Ltd v Dewani [1960] AC 192

 

This was about two parties being "in pari delicto" ie both equally at fault - or rather they weren't both equally at fault.

 

That was a case involving a landlord and tenant where the duty of observing the law was firmly placed by the relevant legislation on the landlord, on whom alone a penalty was imposed if he disobeyed the law. Accordingly the tenant was held not to be in pari delicto.

 

Eh?

 

:p

 

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Kiriri Cotton Co Ltd v Dewani [1960] AC 192

 

This was about two parties being "in pari delicto" ie both equally at fault - or rather they weren't both equally at fault.

 

That was a case involving a landlord and tenant where the duty of observing the law was firmly placed by the relevant legislation on the landlord, on whom alone a penalty was imposed if he disobeyed the law. Accordingly the tenant was held not to be in pari delicto.

 

Thats the one...I just couldnt remeber the full case. it is mentioned in my poc posted earlier.

 

as said it puts the onus on the creditor to ensure that he has got things right, if not then of the two involved his share of the blame is greater.

 

rgds

 

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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Right then

 

RBS is back into the fray

 

I have sent them a letter (ages ago) disputing the amount claimed because of missold PPI and charges added. I have also within the last week or so DSAR'd them.

 

I have had acknowledgement for the DSAR and A response to my complaint of charges and missold PPI. " we are sorry that you felt the need to complain....etc, we will get back to you etc.." standard BS.#

 

Now then ................this morning what should come through the post a letter from "Incasso" giving me seven days to pay up ???

 

There is no contact address on the letter or any registered details (they are a LLP) and they want any money paid directly to them ?? (yeah I'm going to do that...)

 

This is what I fired back at them via email and it will be posted on Monday

 

14th June 2008

 

Dear Sirs

I am in receipt of your letter of the 12 June ref:nnnnnnnn, the contents of which are noted.

 

I have to state from the beginning that I am aware of my rights and also aware of the various laws in effect governing consumer legislation. The amount asked for is in dispute with the Royal bank of Scotland and the dispute process is still ongoing.

 

I do not acknowledge any debt to Incasso LLP and have not had any notice of assignment from either RBS or yourselves. Any payments if due will be made direct to RBS, when the dispute is settled.

 

Any further attempts at enforcement by yourselves will be seen as harassment and In contravention of S.40 of the Administration of Justice act and The Protection From Harrasment Act 1997. These offences, as you should know carries severe penalties.

 

Further, attempts at enforcement whilst a genuine legal dispute is ongoing is also in contravention of the OFT’s guidance on fair debt collection practices.

 

On a different note your letter seems to be lacking a contact address and registered office as per guidelines set out by Companies House……..

 

2. On which documents must I show the company name?

The company must state its name, in legible lettering, on the following:- (whether in hard copy, electronic or any other form): all the company's business letters and order forms; all its notices and other official publications; all bills of exchange, promissory notes, endorsements, cheques and orders for money or goods purporting to be signed by, or on behalf of, the company; all its bills of parcels, invoices, receipts and letters of credit; and on all its websites.

 

3. Must I show any other company details?

Yes. On all its business letters, order forms (whether in hard copy, electronic or any other form) and the company’s websites, the company must show in legible letteringIts place of registration and its registered number; and the address of its registered office. If a business letter or order form or any of the company’s websites, mentions more than one address, it is recommended that you state which is the registered office address.

 

It seems as though your letter of intention fails in this respect, and as such is not acceptable. I would have thought that as a firm of solicitors you would be aware of the various legislations. Please try harder!

 

Yours Sincerely

 

Mr D Firewalker

Edited by davefirewalker

** 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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Along with the above to Incasso... I'm sending this to RBS

 

Royal Bank of Scotland

CMS, Kendal court

 

Dear Sirs

I am in receipt of a letter purporting to be from a firm of solicitors “Incasso” a copy is enclosed for your perusal. It refers to an amount of £12k + as the amount owing to RBS, which I dispute.

 

They also wish payments to be made directly to them. However their letter does not have any contact address or LLP details. This as you know is strictly against companies house guidelines.

 

I have not had any letters of assignment from them or any notice from you that the debt has been sold on. I do not acknowledge any debt to Incasso and I shall not be making any payments them.

 

As you are aware or should know any amount allegedly owed to the RBS is the subject of a dispute regarding missold PPI and added unlawful charges.

 

I am awaiting the receipt of my DSAR request and an investigation into the PPI.

 

The OFT has published guidelines as to fair debt collection practices, including not enforcing debts that are the subject of a dispute which you seem to be ignoring. You are not above the law!

 

Any further attempts at enforcement while the dispute is ongoing will be seen as harassment and in contravention of the Administration of justice Act (s.40) and The Protection From Harassment Act 1997. This carries serious and severe penalties for those involved.

 

Excerpts from the 1997 act

 

1 Prohibition of harassment

(1) A person must not pursue a course of conduct—

(a) which amounts to harassment of another, and

(b) which he knows or ought to know amounts to harassment of the other.

(2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

2 Offence of harassment

(1) A person who pursues a course of conduct in breach of section 1 is guilty of an offence.

(2) A person guilty of an offence under this section is liable on summary conviction to imprisonment for a term not exceeding six months, or a fine not exceeding level 5 on the standard scale, or both.

(3) In section 24(2) of the [1984 c. 60.] Police and Criminal Evidence Act 1984 (arrestable offences), after paragraph (m) there is inserted—

“(n) an offence under section 2 of the Protection from Harassment Act 1997 (harassment).”.

8 Harassment

(1) Every individual has a right to be free from harassment and, accordingly, a person must not pursue a course of conduct which amounts to harassment of another and—

(a) is intended to amount to harassment of that person; or

(b) occurs in circumstances where it would appear to a reasonable person that it would amount to harassment of that person.

(2) An actual or apprehended breach of subsection (1) may be the subject of a claim in civil proceedings by the person who is or may be the victim of the course of conduct in question; and any such claim shall be known as an action of harassment.

(3) For the purposes of this section—

“conduct” includes speech;

“harassment” of a person includes causing the person alarm or distress; and

a course of conduct must involve conduct on at least two occasions.

 

This includes getting a third party to “chase” the debt for you. In that case both parties would be liable

 

(I do suggest that you read the act fully as it contains more important information)

 

I would hope that you would contact Incasso and cease any collection attempts, and then offer some sort of explanation and apology.

 

Yours Sincerely

** 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......!!!!!

 

managed to get the pdf's merged

 

here........> well at the bottom actually :)

 

hope the result is better

 

Dave

Interesting reading cant see I understand all but basically what they tried to say was rubbish amazed the if they won cases before Regards Gaz

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Kiriri Cotton Co Ltd v Dewani [1960] AC 192

 

pt2537 said:

and i happen to have three copies of the case

 

You couldn't let me have a peek at one of your copies please?

 

D

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Kiriri Cotton Co Ltd v Dewani [1960] AC 192

 

pt2537 said:

 

 

You couldn't let me have a peek at one of your copies please?

 

D

 

Sorry but cant find thread re this whats the case show us Regards Gaz

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You have mail dad;)

 

Gaz

 

In May, 1953, the tenant, in order to obtain a sub-lease of a flat at Kampala, Uganda, paid a premium to the landlord.

The sub-lease was granted. By the Uganda Rent Restriction Ordinance, s 3(1)a no owner or lessee of a dwelling-house

or premises could let such dwelling-house or premises at a rent which exceeded the standard rent; and by s 3(2), any

person who, in consideration of (inter alia) the sub-letting of a dwelling-house or premises asked for, solicited or

received a premium, whether before or after the grant of a tenancy was guilty of an offence and liable to a fine. There

was, however, no provision in the ordinance enabling a premium to be recovered back. No standard rent had been fixed

for the flat because it was a new flat, and there was no evidence to show that the premium was extortionate. Neither

party thought that there was anything illegal in the premium being received. The tenant claimed to recover the premium

as being illegal because it was in contravention of s 3(2) of the ordinance.

 

Held - The duty of observing the law being placed by s 3(2) on the shoulders of the landlord for the protection of the

tenant, the parties were not in pari delicto, and, therefore, though the illegal transaction was an executed transaction, the

tenant was entitled at common law to recover the premium as money had and received to the use of the tenant.

Principle stated by Lord Ellenborough CJ in Langton v Hughes ((1813), 1 M & S at p 596) considered and distinguished.

Observations on the cause of action for the recovery of money paid under mistake of law (see p 181, letters d to g, post).

 

 

that the case summary

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interesting update in my battle against Morgan Stanley / goldfish

 

just got my credit reports back from the main two CRA's........................

 

guess what..............???

 

NO sign of MS (or Goldfish etc)

 

no defaults

 

no history

 

nothing :)

 

I asked them to stop unlawfull processing ages ago and to remove the default

 

looks like they have ???

 

 

I'm bemused, theres only a search recorded by HFO (I guess thats to do with MS as you might remember my little go at them), but I do know its been passed back to MS...(Barclays now), as I have been threatening them, and they have been replying.

 

go figure ???

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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Maybe the CRA's are finally taking consumers concerns seriously & removing disputed data because they don't want to become the target of our ire.

 

After all what with the bleeding bank stays there has be someone we can attack:eek:

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Yer John wosson then?, Dorset is lovely ain't it?

 

Fred

(25 miles north of Poole)

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I send MBNA, Arrow, their Sols and Callcredit a letter threatening to sue them for libel last week.

 

I have not had any letters back yet, but I looked on Checkmyfile and the whole of the data from MBNA has gone.

 

Might be just a glitch and may come back. Interesting none the less.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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VERY interesting development

 

Barclays (ex monument) have just sent me a letter................

 

this is regarding the claim for unenforceability and return of interest paid.

 

they have already offered to reduce the amount owed by £1000 (which I refused)

 

Then they sent me the Rankine letter to try and pressure me.....

 

now what should come in the post this morning (wed) an offer from the bank to completely wipe the debt and forgo ANY enforcement or recovery action, (without admitting any liability of course)

 

 

copy (hand typed, scanner gone gay :) )

 

Further to my letter of 3rd June and your reply of the 5th, i have taken instructions and can confirm that the bank is prepared to write off and fore go pursuing the debt that you owe to it, of £3200(+) in full and final settlement of any claim by you against the bank, in respect of s78 of the consumer credit act 1974 or any of its provisions as to the enforceability of any bank product entered into by you, with barclays bank, any claim for alleged harassment or any claim in respect of registration defaults.

 

this is without admission of liability on the part of the bank, in full and final settlement as set out above and with the offer and its terms being confidential between the parties

(ooops! ive done it now....:) )

 

please sign...etc. etc.

 

 

Methinks they are starting to worry about the consequences.....:)

 

Dave

Edited by davefirewalker

** 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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i've had a complaint with Monument and cannot seem to contact anyone anymore, as it has changed to Skycard and they cannot find my claim or my details. All the tel no's now go to Skycard.

 

barclays cannot find anything as well and say to contact Monument.

 

this is after the bank, whoever it is, has offered to pay the claim in full, letter rec'd in June, now no-one can find it!

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VERY interesting development

 

Barclays (ex monument) have just sent me a letter................

 

this is regarding the claim for unenforceability and return of interest paid.

 

they have already offered £1000 of the bill (which I refused) Then they sent me the Rankine letter to try and pressure me.....

 

now what should come in the post this morning (wed) an offer from the bank to completely wipe the debt and forgo ANY enforcement or recovery action, (without admitting any liability of course)

 

Methinks they are starting to worry about the consequences.....:)

 

Dave

 

Hi Dave,

 

As you know, im always an advocate for the safest method of resolving matters

 

i think that they have made a good offer there and to be honest, i would think about it because, put yourself in the position where you refuse it and it proceeds to court, they will disclose this to the court and the judge may consider it a fair offer and may take a dim view of your refusal to accept it

 

its your call obviously but i would be thinking about just adding removal of any adverse data and then i would be accepting that

 

of course thats just my view

 

Regards

paul

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i've had a complaint with Monument and cannot seem to contact anyone anymore, as it has changed to Skycard and they cannot find my claim or my details. All the tel no's now go to Skycard.

 

barclays cannot find anything as well and say to contact Monument.

 

this is after the bank, whoever it is, has offered to pay the claim in full, letter rec'd in June, now no-one can find it!

 

I would CCA them both...(just to be sure)

 

then if nothing is forthcoming you have the choice as to whether or not to continue paying. (think about that bit carefully)

 

someone somewhere must be responsible for owning the debt. if they dont have the correct paperwork they are collecting the money under false pretences.

 

If it turns out that they dont have the agreement then you could (if you wish) just walk away from it.

 

however the debt will still be there and the may still issue defaults.

 

it will then be a battle to clear the defaults and get the debt declared unenforceable........(a long path :( )

 

rgds

 

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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