Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Non-Compliance CCA & SAR? HELP!


choppers
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6084 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi, i sent off my SAR & CCA 2 weeks ago (not recorded)

and have received no response.

 

i was unaware of the need to send recorded and the cheques sent were cashier cheques so i cannot tell whether they have cashed them or not.

 

should i send another? or go ahead with non-compliance procedures (which is my next point:oops: )

 

what are the non compliance procedures and are there any templates around for CCA NC

 

also how far has anyone got with a CCA NC against MBNA?

 

cheers for any help (all help welcome:D)

Link to post
Share on other sites

Have you checked your statements? More often than not, they add payment to the account!! Is there really no way of tracing the cheques? Can't the staff at the bank help? I'm not familair with them, so excuse me if i'm asking stupid questions!!

 

There are templates for non-compliance on the site, i will post a link tomorrow if no-one else has done it before. MBNA can be quite good at ignoring correspondence.

 

If you can't prove they received the info i would consider re-sending just for the sake of evidence.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

hi, thanks for your help.

 

i have not received statemtents since sending off the SAR and CCA.

 

however looking at my last statement they made me an offer a couple of weeks ago for my fees back of £39 which is about 10% without interest or PPI (which i will be claiming)

 

and said i had 8 weeks to accept it otherwise the matter would be closed, well they have paid this money into my account 2 weeks after the offer was made.

 

what's that about.

 

i may go to the bank tomorrow and ask if there is any way of checking when/if a cashiers cheque was cashed.

 

thanks again, your help is appreciated and welcome :)

Link to post
Share on other sites

They seem to make a quick payment to most people. Thats absolutely fine as long as you write and tell them that you accept this amount as a partial payment only and you intend to persue MBNA for the balance of your claim, which you will be in contact with them about as soon as you receive your SAR information.

As you did not send the information recorded I wonder if you realised that with MBNA you need to send them proof of your ID? If not, then please send them another letter, reminding them of the date you sent your original one (ignore the fact you did not send the first one recorded, but make sure you send all the other letters to them recorded) and enclose a photocopy of your ID, otherwise they will get to the end of the 40 days and then send you a standard letter requesting this information, it is just stalling tactics, so pre-empt them to it (did I spell that right?)

 

How old is your account with MBNA? Chances are they have not got your CCA, so that could be interesting.

 

Also remind them in the letter that you are waiting for your CCA, sent to them on XX date, not sure if there is a template, but you could just adapt the original letter

 

Keep in touch, there are quite a few of us now that are experienced with MBNA and are ready to help xxx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Your account is 12 years old! Excellent! Who did you open the account with initially? For example mine was Abbey National and a friend of mine had a Homebase card?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

the account afaiac was opened directly with MBNA and not a subsidiary?

 

it was at a motor show and they were there with different themed CC's

 

the credit card only has MBNA's name on it and no other bank. (well had, it is now in little pieces)

Link to post
Share on other sites

it was at a motor show and they were there with different themed CC's

 

That's looking good Chopppers. You would have only filled in an application form. My hubby filled his out at an airport and i think Wednesday did his at a footie match (where else??!!!)

 

I'm just off to look for the non-compliance letter, you're bound to need it at some point :D

  • Haha 1

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

Here is 1 example of a non-compliance letter with regards to a CCA request. Adapt to your needs.

 

Don't forget the timescales:

 

CCA - 12+2 working days after which they're in default. If you wish you can withhold payment to them.

After a further 30 days (calendar month) they are in summary criminal default.

 

S.A.R - 40 days to comply.

 

I refer to my letters dated XXXXXXXX which was delivered via recorded delivery to your offices on XXXXXXXX, and my follow up letter dated XXXXXXXX.

 

In my letter xxxxxxI made a formal request for a copy of the signed, executed credit agreement for the above numbered XXXXXXXX account under section 77(1) and section 78(1) of the Consumer Credit Act. In addition a statement of my account should have been sent along with any other document mentioned in the credit agreement.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

Any default notices or adverse comments your company have recorded on my credit reference file should be immediately removed.

 

Failure to respond favourably to this letter within seven (7) days of receipt will result in immediate litigation being commenced against your company without further notice

 

:)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

Thanks for that hopeful one.

 

from that template i take it that i need to send off a follow up letter before sending a default (after 30 days)?

 

also i just received a letter from MBNA today re. my S.A.R

 

stating under section 7 please find the information enclosed.

 

all that is enclosed is my cheque and a short list of charges incured over the last 2 years?

 

what's that about? and how should i respond?

 

cheers

Link to post
Share on other sites

ok, you need to get back in touch with them.... It is not unusual to only receive a couple years worth at first, but I would have expected it to have been more like about 4 or five years.

I found this lasy quite helpful, if you email her she usually responds within a day or so (unlike others at MBNA that do not answer at all) and if she cannot help you then she will put you in touch with who can.

 

Dont put your full details on an email, they are not secure. I usually put my name, post code and asterix out some of my account numbers 1234 **** 01** **33 you kow, something like that.

 

State in the email the date you sent the SAR request, the date the 40 days run out (which is the day after you posted it) and how much you have received so far. I would if I were you push my luck here and state that you wish to receive ALL information since you opened the account, rather than just the six years worth, they will possibly refuse, but is certainly worth a try. Pleasantly, politely but firmly remind MBNA that they have to send you this information by the suchandsuch date.

 

If you need a hand with the email give me a yell, or PM me, happy to help!

 

[email protected] she seems very nice and tries to be helpful.

 

xx

  • Haha 1

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

hi, just wondering, why would a follow up letter be sent for a CCA?

 

it's unlikely that you will send one inside the 12+2 day limit, so why not just a default letter?

 

i am just pondering whether to send a follow up letter or go straight to the defauly option.

 

any opinions?

 

cheers

Link to post
Share on other sites

To be honest Choppers, whilst you're reclaiming charges I wouldn't worry about the non-compliance of the CCA. You can't not acknowledge a debt through lack of CCA and then reclaim charges. I'm sorry i should have thought about this when i posted before.

 

After charges are settled on my OH'S account, we'll pay the outstanding balance and then i will be reclaiming PPI on the grounds of no CCA. Until then, i will not be letting them know i know they haven't got one!!!

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

the thing is i am already in arrears on two months payment, i was advised by CSSS to offer token payment or go bankrupt, i offered token payment which MBNA rejected.

 

the Interest i have paid alone would clear my MBNA balance.

 

i think next step i will claim PPI back as i was definately mis-sold the policy.

Link to post
Share on other sites

We were struggling prior to starting this off. We paid what we could, but as the situation dragged on, we ceased payment maintaining that we needed to know the true balance.

 

If you are being advised to go bankrupt, i'm assuming you have other debts. Have you got other threads to help with other situations?

 

Take a breath and start from the beginning. I think the 1st thing to focus on is getting your S.A.R sorted.

 

Write and thank them for the refund they've credited but it will only be accepted as a part payment as you know there will be further charges.

 

Remind them they have until xx/xx/xx to respond to your S.A.R request and take it from there.

 

Do things slowly step by step and we will all help. Once you have your S.A.R add up the charges and we can take it from there.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

hi, just wondering, why would a follow up letter be sent for a CCA?

 

it's unlikely that you will send one inside the 12+2 day limit, so why not just a default letter?

 

i am just pondering whether to send a follow up letter or go straight to the defauly option.

 

any opinions?

 

cheers

 

 

I think you just need to chase the SAR for now....

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...