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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Is My Agreement Enforceable - Useful


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Also no credit limit in the agreement which IS a prescribed term but can that be stated as we will advise you of the credit limit instead and be valid?

 

Captain2, you can argue this renders the agreement unenforceable, see my comment here. http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what-59.html#post2406581

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Hi All!

 

This is my first posting but I want to say thanks for all the great advice I have already picked up from members on this site.

 

I have seven credit cards, five of which I would like to challenge asap.

 

I have already gone so far with an MBNA (£5700 appox) claim via a 'specialist company' and they have identified sufficient breaches to put my claim to their panel of solicitors. Cost me £295 so far, which I don't mind on this occasion as they have convinced me that their court cost insurance package would protect me if things were to go wrong????

 

I am now waiting for a response from their solicitors which seems to be taking an age! Now, I aint stoopid when it comes to legal stuff but admit I am not familiar with the ins and outs of these types of claim yet so I would appreciate some basic advice. Next stage for me is to sign an agreement to proceed with the solicitors so I am hoping someone can advise me soonest on the following before I commit to something which might sign my best interests away!

 

I've had the MBNA card since 2003. Must have paid them a fortune in interest over six years. I think I have read somewhere that, if a successful claim is made, the lender has to refund certain payments. If so, does this go straight into the solicitors pocket in total!

 

Capital One is next. Owe them £1800, again started in 2003. Never missed a payment - now they have upped their rate to 34.9%!!!! Words fail me. I have all the paperwork they returned to me originally. Don't look like a proper agreement to me - but cant remember if I signed an actual contract or not. I certainly don't have one (I am one of those sad ba****ds who keeps every receipt etc!) Will I have to go through all the rigmarole of writing off for a copy etc.

 

So far, my record of payments to all my lenders is squeaky clean - but I can't keep this up much longer - age 64.5, not presently working due to illness; have £175K in provable equity in 2 properties both mortgaged to Halifax, one going on sale shortly, should realise £150K for me - but Halifax wont even consider a loan to keep me going due to no significant income at present. I really want to protect my credit rating since I plan to go back into business as soon as the first house is sold. But seems just cant borrow any more to keep going due to my circumstances. Selling off personal items to survive! It would be a shame to default or make arrangements at this stage and lose my credit rating when I'm so close to being in the black and ready to get going again!!

 

Should I go ahead with MBNA via the agents? Please help!

 

Justin Tyme forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!! - a nice little earner for your bank.

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Hi Justin - welcome to CAG

 

Firstly, I'm not sure what the bottom paras of your post are about - is it supposed to be your signature? If so, you need to input this info into your personal details on your user page.

 

Re. your debts: If you want specific advice on each one, suggest you post the individual query in the relevant forum, this thread is so large it will get lost here & you may not get the dedicated help you want.

 

In general, particularly with your MBNA debt & bearing in mind you don't want a default, if you pass it to sols. it is possible that they may advise stopping payments which will automatically trigger a default on your credit file. Also they will, almost certainly, take a protracted time to resolve the issue & you may end up 'giving' them any recovered funds (or even worse, owing them money, depending on your contract). Not sure what they are hoping to reclaim for you but basically you should only be prepared to recover unlawful charges & assoc. interest (eg. over limits, late payments etc), interest on the capital you have used is not included in a claim like that.

 

Everything they can do for you, you can do for yourself with a little bit of time spent on research with the help you will get on here. Think very carefully before you sign up with any of these so called specialists.

 

You can start any of your investigations/claims by sending for a copy of your CCA (cost £1.00 only!), post it up (minus your personal details) & CAGers will help you determine if it is enforceable & your actions thereafter.

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 that, very helpful. Not sure where the stuff at the bottom came from - not me! I obviously had the wrong idea that the interest on the capital loaned could be claimed back. Will have to wait and see what solicitors contract offers now you have alerted me. Going to try doing Cap One myself. Thanks for your time and assistance! Justin Tyme

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Thanks for that, very helpful. Not sure where the stuff at the bottom came from - not me!

 

If these weren't your comments, you should report the post to a mod - click on the red triangle at the bottom L of your post.

Going to try doing Cap One myself.

 

MBNA is also a possibility too - look in the MBNA forum for how to tackle it

 

Thanks for your time and assistance! Justin Tyme

 

YW

 

 

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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Not sure where the stuff at the bottom came from - not me!

 

If these weren't your comments, you should report the post to a mod - click on the red triangle at the bottom L of your post.

 

There's nothing wrong with the post/forum. This actually wasn't his first post, which is here;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/218215-unenforceable-credit-agreements.html#post2407867

 

What has happened is that this post was copied in to this thread - when that happens, the "magic links" (those keywords which are underlined automatically in the forum software) are lost and the wording behind those links are copied to the clipboard. When the copied post was pasted in to this thread, it's brought the HTML behind the link with it.

 

I'm unclear why you'd post your "first post" on 2 threads, but my advice would be to start your own thread, so all your posts can be kept in one place.

 

Mystery solved ;)

 

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FG, Justin and Car,

 

I have edited that hyperlink carry over, out of the thread:)

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Uploading documents to CAG ** Instructions **

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hey eveyone... just joined and have literally become addicted to reading all the threads. So basically I am here for my dad. He is self employed and always paid his bills.... that was until two years ago when he got trapped in a fire and ended up in hospital for nearly a year. During this time my mum went through all their savings trying to keep the house, run their house and visiting my dad who was in hospital over 3hr drive away. Obviously without my dad there and my mum dropping to part time so she could visit dad all unsecured debts went unpaid. I have to say most creditors were very understanding and completely froze the debt. However there were a few (and Lloyds tsb being absoluteky nasty down the phone) didnt care and said tough, they continued to hammer on late payment charges and interest to the point where one credit card with Lloyds has doubled. Well I have found you guys and yesterday I printed off the cca req , although my dad is out now and working because of tis he is struggling like crazy and alot of the times cant even afford the minimum payments. Also he is working anything up to 15hrs aday. I feel so awful for him. I am hoping some of these come back an unenforceable so he has leverage to negotiate lower monthly payments. I will start a thread as soon as the ccas start coming in. What a fantastic site, I am glad I found it. Nice to meet you all.

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Hi minmac - welcome to CAG.

 

So sorry to hear of your dad's woes but hopefully you will be able to offer him some help with his debt burden in due course.

 

When you get the CCAs, start a seperate thread for each one in the appropriate forum & post up whatever they send you (minus the personal details). I'm sure you will get lots of help from CAGers. :)

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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Hey eveyone... just joined and have literally become addicted to reading all the threads. So basically I am here for my dad. He is self employed and always paid his bills.... that was until two years ago when he got trapped in a fire and ended up in hospital for nearly a year. During this time my mum went through all their savings trying to keep the house, run their house and visiting my dad who was in hospital over 3hr drive away. Obviously without my dad there and my mum dropping to part time so she could visit dad all unsecured debts went unpaid. I have to say most creditors were very understanding and completely froze the debt. However there were a few (and Lloyds tsb being absoluteky nasty down the phone) didnt care and said tough, they continued to hammer on late payment charges and interest to the point where one credit card with Lloyds has doubled. Well I have found you guys and yesterday I printed off the cca req , although my dad is out now and working because of tis he is struggling like crazy and alot of the times cant even afford the minimum payments. Also he is working anything up to 15hrs aday. I feel so awful for him. I am hoping some of these come back an unenforceable so he has leverage to negotiate lower monthly payments. I will start a thread as soon as the ccas start coming in. What a fantastic site, I am glad I found it. Nice to meet you all.

 

Hi minimac,

 

Just a few suggestions.

 

1/ Was the fire at work or a company/ public building ?

If so, your dad may be eligible for compensation?

The company etc would have insurance for this.

 

2/ Does your dads injuries make life difficult for him still, or require that he gets help form others ?

If so, he may be eligible for DLA (Disability Living Allowance).

This is a non means tested (ie: income is irrelevant) benefit to help him or anyone helping him. Speak to your local Social security office or look into this online.

You Mum may also be able to backdate a claim for financial help for the period she was looking after him. Again speak to DSS.

There are also normally lots of local (free) independent organisations that can help sort such things out. Look in phone book or online.

 

3/ Did any of the cards loans etc have insurance ?

If so then he should not have had to pay whilst off work.

You may need to check if there was any cut off period for claiming.

 

Just some ideas ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Photoman thanks for input. The fire was at my parents house, it was my dads fault, so no compensation. He does have and will always have numerous health issues as a result of the fire, but its not so severe that he cant work or will feel sorry for himself and stay home. He likes to just get on with things. My mum did make a claim for help when my dad was in hospital but as they had savings she could use she wasnt entitled to anything ( except free parking for the year at the hospital, lol). There was ppi on 2 or 3 of the debts but they ran out after erm... I think it was 6 months . Geez can you believe I am sill here from earlier post lol. I am practically reading every post in the whole forum lol. I find all this so interesting/helpful I dont think I will ever leave, I have learned so much my head is about to pop lol. xx

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Did I here someone mention Lloyds TSB?

 

I hate those people :mad:

 

Ooh, NP, how can you say that when you have an enduring penpal relationship with them :rolleyes::lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ooh, NP, how can you say that when you have an enduring penpal relationship with them :rolleyes::lol:

 

 

It`s easy, I hate those people!

 

Saying that, it`s been mighty quiet for quite a while now, not tempting fate of course :D

 

Then again, I`ve got nothing to say to them :p

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Like many agreements we've seen on here, enforceability would depend on whether the terms and conditions were on the back of the application form, or in a separate document.

 

Are there any references on the application to 'terms and conditions on reverse' etc? The general concensus appears to be that they would have been a separate leaflet, but you're unlikely to find out for certain until you actually get to see the original, if it still exists.

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Hiya

 

Yes I wrote to both MBNA and 1st Credit back in May requesting a true copy of the CCA, but 1st Credit emailed it over last week after I chased again. Another thing that puzzles me is that I ticked for PPI but I am not sure if I paid it and that the figures quoted go up to 5k and my credit limit was actually 15K.

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Hello Foo Fighter,

 

Firstly not sure which programme you used to block out your details but I have clicked on your application link many times and at least twice all your details were showing for approx ten seconds before the boxes blocked your personal stuff ..... very strange!

 

That application matches others I have in my database dated 1996 / 1997 and I have it on good authority that it would be genuine. The big question is ... are the prescribed terms on it.

 

The "previous address" boxes were put at the top of the T& C's on the rear at around this time.

 

Please can you confirm the reference number giving on the rear page at the bottom ..... it will be something like ... LA-6-96-64-N.

 

Onwards and Upwards

 

Chalkitup

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Hi

 

Can anyone help me and take a look at this CCA with MBNA ?.

 

This was signed in 1996.

 

Many thanks

 

Hello Foo Fighter,

 

Firstly not sure which programme you used to block out your details but I have clicked on your application link many times and at least twice all your details were showing for approx ten seconds before the boxes blocked your personal stuff ..... very strange!

 

That application matches others I have in my database dated 1996 / 1997 and I have it on good authority that it would be genuine. The big question is ... are the prescribed terms on it.

 

The "previous address" boxes were put at the top of the T& C's on the rear at around this time.

 

Please can you confirm the reference number giving on the rear page at the bottom ..... it will be something like ... LA-6-96-64-N.

 

Onwards and Upwards

 

Chalkitup

 

Attachment unapproved until the personal details are removed - I, too, could see those, CIU.

 

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Oh, hell I'm a techno dunce....... am I right in thinking that the attachment has now been removed.......?. Damn, I'm hoping it has until I can rescan without my details being public. LA-5-96-29-N is the reference number at the bottom.

Many thanks

Foo Fighter

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Oh, hell I'm a techno dunce....... am I right in thinking that the attachment has now been removed.......?. Damn, I'm hoping it has until I can rescan without my details being public. LA-5-96-29-N is the reference number at the bottom.

Many thanks

Foo Fighter

 

 

Hello Again,

 

You are safe .... car2403 has unapproved the link so nobody can open it now.

 

Thank you for the ref number ...... just confirms my thoughts ..... 1996 application.

 

I have not got time now but I will find the link later to another Caggers thread where they have the same application ..... you can then read what others have said about that one.

 

Onwards and Upwards

 

Chalkitup

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