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    • 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.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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nat west-Intrum Justia-Fredrickson - Please Help


moneydragon
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Did u send rorys letter to them?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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right well was it the letter on page 2 reminding them of the money laundering rules?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Un usual companys normally tumble at that point.

 

Anyway maybe u should do as the letter threatens and report them to the relivant authorities as mentioned in the letter

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Un usual companys normally tumble at that point.

 

Anyway maybe u should do as the letter threatens and report them to the relivant authorities as mentioned in the letter

 

Godmother

 

Thanks for your reply

 

Would that mean that I will need to take them to court?

 

:(md

Edited by moneydragon
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DEtails of these procedures we contained in the credit agreement/application form you would of signed (the form that they can't find)
I'd like them to use this bit of reasoning in a court and see how the judge takes it. It's no good stating you would have signed something, they need to show you did sign something. It is entirely possible that there was an admin error and your account was authorised without a signature - we've all seen threads where there has been no debtor signature on the form.

 

I had a very similar statement from BOS for OH's account. This was part of my reply.

 

To state ‘there was a properly executed signed agreement’ and ‘I can confirm that the copy of the agreement was not illegible at the time of signing’ is bordering on ridiculous. Unless you provide me with the legible, signed copy of the agreement you allege you hold (sorry, that you allege you held), complete with all prescribed terms, you will be well aware that you have no power to enforce this account.

 

As a matter of interest, are you able to back up your claims by proving that you were indeed working for the Bank of Scotland, in the department where applications were received, in 1996? Are you further able to prove that you were witness to me signing a legible agreement including all prescribed terms? If not, then I have to ask how you can make such sweeping statements.

... As you do not have a valid, signed, legible, enforceable agreement, there is not now, nor can have ever been any contract between your company and myself. Therefore you do not now, nor have ever had the right to process my data in any way, and any markers placed with credit reference agencies have as such been placed unlawfully.

Now to be fair they have still written back saying they have the right to process, which I am asking them to fully explain given the above, but it has upset them in terms of threatening OH. Their letters previously were very much that they had an enforceable agreement and would chase it to the end, now they are just saying that just because it is unenforceable does not mean they can't chase.

 

My point is though, if you pull Interim up on how exactly they know there was a signed agreement, they won't be able to answer. They would need to have someone in the office taking in the signed documents, who was there when your account opened and can swear that they saw yours there. Seeing as the account was not even with them this will not be a question they can answer, and it may just be enough - combined with repeating the money laundering angle which they appear to have ignored - to make them pass it on to someone with two brain cells who will realise the futility of them carrying on.

 

I have no experience of the court process whatsoever, and the thought frightens me immensely, but I think I would be right in saying that if you put the above into a letter, outlining how impossible it is for them to back up their statements in a court, and give them x amount of time to answer before you'll start proceedings, it may put a fire up their respective bums? Of course I guess this would mean you'd have to be willing to go the whole way with it to remove the markers if they still don't budge.

 

I'm sure other far more knowledgeable people will be able to tell you if the above is viable or not:)

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Thanks for your reply lexus200 - very helpful and gave me more confidence to fight on I was getting to the stage perhaps it was time to admit defeat.

 

As I opened this account in 1979 anyone working there then will either be retired of or even 6 feet under by now.

 

I dont recal signing an agreement only completing an application form.

 

If you dont mind I will use your letter as part of my reply.

 

md:)

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I would appreciate someone looking over this as to as my reply to thread 27

 

I note your comments however, to state that We consider that our processing of your personal data is fair, lawful and warranted in the circumstances. Details of these procedures we contained in the credit agreement/application form you would of signed when you applied for the card”.

 

Unless you provide me with the legible, signed copy of the agreement you allege you hold (sorry, that you allege you held), complete with all prescribed terms, you will be well aware that you have no power to enforce this account.

 

As a matter of interest, are you able to back up your claims by proving that you were indeed working for the Nat West Bank, in the department where applications were received, in 1979? Are you further able to prove that you were witness to me signing a legible agreement including all prescribed terms? If not, then I have to ask how you can make such sweeping statements.

 

As you do not have a valid, signed, legible, enforceable agreement, there is not now, nor can have ever been any contract between your company and myself. Therefore you do not now, nor have ever had the right to process my data in any way, and any markers placed with credit reference agencies have as such been placed unlawfully.

 

I should not have to remind you that without evidence of me signing or agreeing to any data protection terms and conditions you are unable to retain your data on file nor share it with outside agencies and that any attempt to do so will be in breach of the Data Protection Act

 

By attempting to process my data clearly shows that Nat West has failed in its obligations to comply with the various anti money laundering regulations in not keeping such documents. This, as I’m sure you are aware, is a very serious offence will have no option but to report this matter to The Financial Crime Branch of HM Treasury and any other authorities as I see fit.

 

Thankyou for looking- md

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Just subscribing to this excellent thread following an early reply from Money dragon. Thanks. I am going through the same process with NW. Have just sent them Rory's letter today. Here's hoping!!!:)

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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  • 2 weeks later...
Thanks for your reply

 

Would that mean that I will need to take them to court?

Reporting them to the OFT etc does not require any court action on your behalf.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...
  • 2 months later...

Subbing and sending Rory's letter to NW.

Halifax Current Account £1583 WON 2007:)

Egg Credit Card £1822 WON 2008:)

BarclayCard £982 WON 2008:)

Natwest Current Account £2133 WON 2006:)

IF Accounts £1728 WON 2007:)[/size]

 

MBNA CCA request sent 10.2.09

BarclayCard CCA request 10.2.09

Barclays Bank SAR 16.2.09[/size]

 

Let the games continue...:D

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  • 1 month later...

Please help

 

I have received the following from Nat West today and I urgently need help on what to do:

 

It has come to our attention that we advised you incorrectly reagrding the status of your account. We overlooked the fact that your account was opened in 1980 and S78 was brought into force on 19.5.1985. Schedule 3 of the 1974 act states that s.78 applies to an agreement made before 19.5.1985 where the agreement would have been regulated agreement if made on that day.

 

As such under regulation 9 of the copy documents regulations specifies that in the case of an agreement made before 19.5.1985 it is sufficient to supply a copy of the current terms - that acts as a true copy. As we have supplied these documents to you, we have now fully complied with the request which means the agreement is enforceable. You should continue/or now make payments to the account to avoid any further action being taken.

 

This is a new one!!:confused:

Edited by moneydragon
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yep i have never heard that b4. Erm maybe PMing 42man might help. REMEMBER to link ur thread.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yep i hope he will as i would be interested to see what he has to say re the letter.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The regulations on supplying copy documents ((Consumer Credit (cancellation notices and copies of documents) regulations 1983/1985) state that for an agreemement prior to 1985 the creditor only needs to provide a copy of current terms & conditions if they no longer can provide a true copy of the original.With the above in mind I would summise that they no longer have the original and are therefore digging their heals in rather than admit the fact.

 

Regards

 

Andy

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I'm really not sure to be honest, I think i've only ever seen a couple of cases of 'pre 85' agreements.....have they sent any copies of your 'application' ?

Thanks for your reply 42man, no they haven't sent me a copy of my application they only say that by supplying me with a copy of the current terms is sufficent and that I should now make payments.

 

md:(

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