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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. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that 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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      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.

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Is My Agreement Enforceable - Useful


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Did you place your account in dispute Suzanne, by sending them a letter after the 12+2 days telling them this?

 

If you did, they are not supposed to pass on the debt whilst it is in dispute but they will try if they think they can get away with it :mad:

 

If the new company attempts to collect from you you should write & tell them that the account was in dispute with XX DCA, that you do not therefore acknowledge any debt to them as it should not have been passed on.

 

They will prob. pass the hot brick back to XX DCA & you should not send again for your CCA to the new company.

 

Suspect the original DCA can't get hold of your CA & is trying to pass the bum debt on. ;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Foolish girl, could you please have aquick look at this thread and tell me if you agree that it is not a CCA but an Application form. Sols claim it is a CCA and that an App form can be a CCA anyway.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186500-have-i-been-too.html

 

Not sure how to link properly.

 

Thank you.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Did you place your account in dispute Suzanne, by sending them a letter after the 12+2 days telling them this?

 

If you did, they are not supposed to pass on the debt whilst it is in dispute but they will try if they think they can get away with it :mad:

 

If the new company attempts to collect from you you should write & tell them that the account was in dispute with XX DCA, that you do not therefore acknowledge any debt to them as it should not have been passed on.

 

Foolish, I have sent the standard letter stating in dispute and you must not pass to dca etc but have been to trading standards about this and as they are obliged to send what they believe is a true copy they are getting away with this as they do not acknowledge that the debt is in dispute (and have written to me to say so) as they say they have sent what they believe to be a true copy... its rubbish of course but this enables them to place bad records on my credit file and continue to hound me for the debt and pass onto dca... this is the case with both my mbna and barclaycard ccas.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Foolish, I have sent the standard letter stating in dispute and you must not pass to dca etc but have been to trading standards about this and as they are obliged to send what they believe is a true copy they are getting away with this as they do not acknowledge that the debt is in dispute (and have written to me to say so) as they say they have sent what they believe to be a true copy... its rubbish of course but this enables them to place bad records on my credit file and continue to hound me for the debt and pass onto dca... this is the case with both my mbna and barclaycard ccas.

 

It's a sad fact of life, muffintop. :-x

 

Unfortunately the only surefire way of getting back at them is to fight them in court. In the meantime, you can withold the payments, file their reminders & keep your pennies in the bank :D. Small comfort, but should make you happy & them sad.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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thanks thats what I am doing just hate my credit file being wrecked feels like it contrevenes my human rights and takes my choices away... I may need to rent in the future, I may need to buy a car, a phone etc etc and they have put paid to all this.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi All,

 

Please can someone help me check my Halifax CCA, it was for a 10k loan. Its was taken out u july 2007, I suspect it might be enforceable, but I just want someone to clarify.

 

Now that I am also struggling, what can i do to reduce my payment, they are also charging me unpaid Direct Debit and some other charges, is this normal. If i cant even pay the loan, there must be a way for me to get them to cancel all those silly charges.

Edited by omoeko
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I hav a question

 

In the CCA it says that on agreement (credit card type) the credit limit should be 'shown' or 'how it will be decided' or 'NO CREDIT LIMIT' or words to that effect.

 

As i would understand it and as i look at my credit card agreements they do not show how it is decided they just say 'we will notify you of your credit limit via letter and the limit will be displayed on your statements'. So in reality you have signed an agreement prior to knowing exactly what limit you will have. even if they show how they calculate the limit would give you a good idea of what you are signing.

 

Is this correct can they do that. i think they are just leaving it blank thus not conforming to on of the requirements.

 

anyone else on this matter

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as for the agreement above yes it is fair. you could write to them and ask them to lower the amount until you are in a better position. better to do a statement of your accounts so they can see that you are having problems

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Firefox 1969 - the answer remains the same - if the agreement is dated after April 2007 then it is deemed compliant no matter what. If it is dated prior to the cut-off then if any of the prescribed terms are missing there is a good chance the agreement is unfair - the outcome depends on the size of stick used to beat the lender!!

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Hi,

 

I have a Credit card with Lloyds, its one of those where you also get the Airmiles due card as well, I wrote them asking for my CCA for the credit card, I noticed that they have replied me and also threathen that, they would not have any more conversation with regards to the matter, also as its a credit card my credit limit has been increased over the years, what does this mean in terms of a credit limit as obviously when the credit card was taken out, my limit could have been £1,000 but this could have gone up 5 times that amount over the years.

 

I am not sure whether the response they gave me is the right one.

 

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I wrote the following to Tesco Personal Finance:

 

ACCOUNT IN DISPUTE

 

Dear Sir/Madam

 

Thank you for your recent letter sent to me dated 13 February 2009, the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974.

 

The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 29th January 2009. Upon receipt of the original request the specified account legally entered into disputed status.

 

My request remains outstanding. An application form does not constitute a true copy of a credit agreement and that which you sent doesn't even contain all the prescribed terms and is not 'properly executed'.

As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law.

 

You had until to provide me with the true copy I requested. After that date you entered into default of my request. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agencies (or any third party).

 

To register information with a credit reference agency, you must have written consent from the data subject to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this.

 

The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office.

 

The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence. You entered into a default on 18th February 2009 and subsequently committed a criminal offence on 6th April 2009.

 

Therefore you have 7 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint, otherwise your conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to hold a consumer credit license in the future.

 

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.

 

To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me.

 

 

I would appreciate your due diligence in this matter.

 

I look forward to your reply.

 

And I have had a response from Tesco Personal Finance with regard to the matter:

 

http://i656.photobucket.com/albums/u...4/scan0001.jpg

http://i656.photobucket.com/albums/u...4/scan0002.jpg

 

Seems they feel they have done enough, and my physical agreement to the CCA is not actually required. forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager.

This is the Rolls Royce of call recorders.

It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount.

How much do we make on the deal? - Nothing at all.

You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

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If this is all they sent you omeoko, it's just T&Cs - totally unenforceable as a credit agreement.

 

The following is a 'template' to use to send back to them (acknowledgment to peterbard for the original) Amend to suit

 

 

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

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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hi foolishgirl,

 

Thanks for the reply, thats all they sent me and yes I know its just a whole load of Terms and conditions, but in most cases after writing to them that look, what you sent me is just a list of terms and conditions, what normally happens, I sense that they just wouldnt accept liability and say, ohh debt written off.

 

Also, as I have other debts with them as well, these are enforceable, is it worth agreeing a payment plan with the other loans minus the credit card until this issue is resolved or what do you guys think ?

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hi foolishgirl,

 

Thanks for the reply, thats all they sent me and yes I know its just a whole load of Terms and conditions, but in most cases after writing to them that look, what you sent me is just a list of terms and conditions, what normally happens, I sense that they just wouldnt accept liability and say, ohh debt written off.

 

Too right!

 

Also, as I have other debts with them as well, these are enforceable, is it worth agreeing a payment plan with the other loans minus the credit card until this issue is resolved or what do you guys think ?

 

If they will do this, it sounds a good step forward. Suggest you don't send the above letter until you have agreed the payment plan ;)

 

FG

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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One other thing, as I am struggling with payments at the moment, they have setup a temporary payment plan where interest rate has been set to 0.01 and paying a nominal fee every month, what will be the consequences of taking this action and although I will sent a counter letter that foolishgirl posted above, I am scared that they might pass details onto Baliffs etc.

 

Which is what I am avoiding.

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One other thing, as I am struggling with payments at the moment, they have setup a temporary payment plan where interest rate has been set to 0.01 and paying a nominal fee every month, what will be the consequences of taking this action and although I will sent a counter letter that foolishgirl posted above, I am scared that they might pass details onto Baliffs etc.

 

 

What does 'temporary' mean?

Have you got any CCJs? They can't use baliffs without having a court order first.

 

Certainly the interest rate you are paying sounds particularly good, you are wise to think twice before rocking the boat I don't know all your personal cicumstances.

Have you considered CAB or similar taking along all your paperwork?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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What they said was they, they would allow me pay the nominal payment for the next 6 months, after which they will review my situation.

 

The problem is that, I have spoken to 2 charities and they have advised, IVA or Bankrupcy as DMP would carry my repayments pass my retirement and because my health is not the most stable as well, I am afraid of tying myself in for so long, but with the IVA, I know the payments will be totally affordable even though I might be approaching retirement and the fact that all debts will be totally written off, but I think IVA is what really suits me, what I am trying to do is trying to structure the loans, fight off CCAs to see which ones can/cannot be written off, fight off PPI claims etc, all these things take time.

 

So the plan is that within 6 months, I should know my fate with credit cards CCA and loan PPI, both of which should reduce my debts by about 30-40% then I will go with the IVA.

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What does 'temporary' mean?

Have you got any CCJs? They can't use baliffs without having a court order first.

 

Certainly the interest rate you are paying sounds particularly good, you are wise to think twice before rocking the boat I don't know all your personal cicumstances.

Have you considered CAB or similar taking along all your paperwork?

 

to also answer your question, I dont have any CCJ's yet

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Hello I hope you do not mind attaching my qustions to this thread since I am desperate...

I need help and advice please!!!

I think 1st Credit Ltd stiched me up..

 

Anybody here???

 

does a credit card agreement need to be signed by the original creditor before it is enforced or executed since I did signed an application form for a credit card in 2001 but looking into the copy sent by 1st Credit Ltd it is not signed by any creditor!!. In other words would it be enforceable in court.

 

My situation is I have been paying them since then so would the court enforce it anyway!!! i.e is it valid??

 

thanks

Tam

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Hello I hope you do not mind attaching my qustions to this thread since I am desperate...

I need help and advice please!!!

I think 1st Credit Ltd stiched me up..

 

Anybody here???

 

does a credit card agreement need to be signed by the original creditor before it is enforced or executed since I did signed an application form for a credit card in 2001 but looking into the copy sent by 1st Credit Ltd it is not signed by any creditor!!. In other words would it be enforceable in court.

 

My situation is I have been paying them since then so would the court enforce it anyway!!! i.e is it valid??

 

thanks

Tam

 

If its not signed and dated by the creditor then the document has not been executed properly but this can be fixed at a later date I believe, also the judge can rule an improperly executed document enforceable.

 

Have you checked the document for the prescribed terms which if missing would possibly make the document unenforceable

 

As always just my opinion

 

PmW

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If its not signed and dated by the creditor then the document has not been executed properly but this can be fixed at a later date I believe, also the judge can rule an improperly executed document enforceable.

 

Have you checked the document for the prescribed terms which if missing would possibly make the document unenforceable

 

As always just my opinion

 

PmW

 

 

Hi

thanks for you reply.

There is not prescribed terms and conditions i.e they did not send it but

the copy is just a signature form without any pre-scribed terms and conditions. But it does refer to terms and conditions NOT provided.

 

Now, read this from the cca 1974 states

"shall give the debtor a copy of the executed

agreement (if any) and of any other document referred to in it, together with a

statement signed by or on behalf of the creditor showing, according to the information

to which it is practicable for him to refer,—"

 

since there is no statement signed by the creditor how can this be

a credit agreement regulated by the cca 1974 as they say???

 

any comments please

 

Tam

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Now, read this from the cca 1974 states

"shall give the debtor a copy of the executed

agreement (if any) and of any other document referred to in it, together with a

statement signed by or on behalf of the creditor showing, according to the information

to which it is practicable for him to refer,—"

 

since there is no statement signed by the creditor how can this be

a credit agreement regulated by the cca 1974 as they say???

 

Think youre getting confused and reading the regs wrong... see below:

 

(1) The creditor under a regulated agreement for running-account credit, within the

prescribed period after receiving a request in writing to that effect from the debtor and

payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any)

and of any other document referred to in it, together with a statement signed by or on behalf

of the creditor showing, according to the information to which it is practicable for him to

refer,—

(b) the total sum which has become payable under the agreement by the

debtor but remains unpaid, and the various amounts comprised in that total

sum, with the date when each became due; and

© the total sum which is to become payable under the agreement by the

debtor, and the various amounts comprised in that total sum, with the date,

or mode of determining the date, when each becomes due.

So what its saying is they should give you a statement of the account when they reply back and that the document should be signed i.e. the bottom of the letter etc.

 

........Not that the application/agreement must be signed when they reply to your S78 as in practice this would already have been done else you have an improperly executed document (which is what you have) Have you scanned, edited out all personal info and posted up the agreement for people to check and advise?

 

PmW

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