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    • 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.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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

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

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CAG CRA S.A.R Club


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Further to my post above, there is of course the further question as to whether this is a principle also followed by organisations such as TS and the OFT.

This could explain their relative reluctance to get involved.

If they have such policies in place or are making decisions of this sort they are operating (IMHO) ultra vires. Especially if this part of the decision making process was not referred to in their reply to the data subject.

Should a complaint to one of these organisations seem to be unfairly rejected, we should ask whether this has been a factor.

In future, when referring a case to IC, TCS or OFT maybe we should include the sentence:

 

I refer this case to you solely within your jurisdiction as (insert TS, OFT, IC as appropriate). Please can you give me your written assurance that the decision you arrive at will not be biassed by any policy or perception that your organisation or staff have with regard to cases involving debt. Should you be unable to do this, please can you inform me why this cannot be done with references to any statute, policy documents or other written procedures.'

 

May seem a bit heavy but it would ensure that they looked at the case properly.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Further to my post above, there is of course the further question as to whether this is a principle also followed by organisations such as TS and the OFT.

This could explain their relative reluctance to get involved.

If they have such policies in place or are making decisions of this sort they are operating (IMHO) ultra vires. Especially if this part of the decision making process was not referred to in their reply to the data subject.

Should a complaint to one of these organisations seem to be unfairly rejected, we should ask whether this has been a factor.

In future, when referring a case to Information Commissioner, TCS or OFT maybe we should include the sentence:

 

I refer this case to you solely within your jurisdiction as (insert TS, OFT, Information Commissioner as appropriate). Please can you give me your written assurance that the decision you arrive at will not be biassed by any policy or perception that your organisation or staff have with regard to cases involving debt. Should you be unable to do this, please can you inform me why this cannot be done with references to any statute, policy documents or other written procedures.'

 

May seem a bit heavy but it would ensure that they looked at the case properly.

 

Newborn

 

These supposed independant regulators have been making such policy decisions since their inception.

 

I completely agree that what they are doing is ultra vires - it would be interesting to see I.C.O./O.F.T./T.S. decision being challenged in Court under the doctrine of Judicial review. I have a feeling that will never happen though.

 

They shouldn't be driven by political agenda neither, but they are.

 

No wonder the credit industry is shaking in its boots - I wonder how long it will take for the law to change to support them, rather than backing the consumer/layperson, to ensure this doesn't continue. (Refer to CCA 2006 unenforceable agreements, for example)

 

Now is the time to challenge these organisations, to ensure the tide turns, before that happens.

 

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Representatives from the Association clarified the processes involved in tracing gone-aways to the Information Commissioners Office and how data is used both in the office and out in the field. Specifically, the Association detailed how its members currently validate data supplied by credit reference bureaux during their tracing activity. This includes comparing the information with other databases such as the voters’ roll and CCJ records, checking with neighbours at the debtor’s last known address, and confirming departure and new occupancy dates as well as contact telephone numbers and dates of birth.

 

The Information Commissioners Office confirmed that it does not question this process.

 

Does anyone really believe that the CSA told the ICO how they really behave in real life, I think not. The fear is the CRA's CSA are all going through the back door to OFT, ICO and lining them up in their favour. Perhaps the consumer pressure groups should have a meet with the OFT and ICO and give them a few lessons and examples of how crooked some of this organisations are.

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Has anybody seen a recent news item about penalties for illegal access to personal data? I saw something, but can't remember where - £5000 fine plus a jail term? Wouldn't a 'Trace' on both our Equifax CRFs, by a Debt Collection Agency, when there never was any kind of dispute about our address... and conducted on the same day they received a request for a CCA (I have the signed Proof of Delivery), which they never mentioned to us??

 

That, to me, is unauthorised access, some kind of 'scouting trip' to see if they could get 'something else' on us?

 

We know it, I believe the Information Commissioner knows it, and we're finally (I hope) getting through to the Original Creditor (Bank). They used this DCA unnecessarily and according to OFT 664, are equally responsible for the DCA's dirty tactics.

 

We don't have much money, but would like to see this DCA in court, facing jail.:mad:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Rogue Debtors meet Rogue Traders !!!!!!!!!!!!!!!!!!!!!!!

 

 

1.12 This analysis suggests that non-compliance is not restricted to a 'rogue trader' element, as some industry commentators had suggested. Trade association members have also given rise to complaints investigated by the OFT. Many of the complaints pointed to system failures as opposed to deliberate flouting of the guidance.

 

 

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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The CSA's regular references to the 'rogue website' issue shows just how worried the debt industry really is. If a DCA has a legal right to collect a debt, and can prove this with the relevant paperwork, then they have various legal remedies available. Short of being advised by a website to buy a canoe and disappear, I do not see how a debt can genuinely be avoided in these circumstances.

 

Of course, what the CSA really don't like is their members being forced to acknowledge that most debtors are 'can't pays' rather than 'won't pays', they don't like those upon whom they prey being aware of their legal rights, and they don't like the questionable methods they use being brought into the open. They also don't want their members to be made to comply with laws and regulations, not least because it proper compliance would lead to increased costs, decreased collections and lower profits.

 

 

 

 

Why, has the Information Commissioner run out of lavatory paper?

 

 

I couldn't agree more with this point - the last thing the industry wants is "informed consumers who know their rights" - that just wouldn't do would it?

For decades many companies have got away with non compliance and pulling the wool over the eyes of the consumers so that they didn't know what was going on and simply paid up regardless of the wrongs of these collection agencies and original lenders.

 

So good to see that websites like this are helping consumers!!

 

Happy New Year everyone!! :D

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"do As I Say Not As I Do "

 

"Judgement obtained against Creit By Instinct Ltd

I run a small marketing agency and was one of the suppliers to Credit By Instict Ltd who organised the Credit Up North show.

 

We have not been paid in full- despite numerous e mails and assurances from Mr Holt that we would be.

 

We have obtained a county court judgement for just over £6000- the court gave the opportunity to Credit By Instinct to make a payment into court as a condition of defending the action. They failed to do so."

 

http://www.credittoday.co.uk/forum/m...ead=277&page=2

:cool: sunbathing in juan les pins de temps en temps

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Has anybody seen the irony of a Quasi Autonomous body, (as it says on the tin), investigating data protection issues, when it is very obvious the the government itself has not a clue itself how to handle data?

 

Regards

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i guess blair not realised, if he wernt gettin paid so much and claimed child benefit his bank details would be on the "Missing" discs aswell ! ! ! ! !

 

hmmmmmmmmmmmmmmmmmm now where did i put those discs................................

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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kk. does Brown have any kids :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Blair will get child benefit :p

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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don't think Blair get's child benefit now that he is no longer resident in the UK - anyone wonder why the learner drivers info was in the states - could it be so that the government can circumvent the human rights laws by having a database of all individuals held overseas - or are the details being held for posterity by one of the credit agency's overseas offices? Or maybe it's all part of America's war on terror...and a legacy from Blair's days now that he's being paid £5 million a year as a part time consultant for a big america company - that surprise surprise is part owned by Bush's family....Gosh - I think I could start a really good conspiracy theory on this one....Sorry if this is off thread and detailed elsewhere - just thinking outloud!!

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Yes, Brown does have kids (1), I seem to recall they also had another that was stillborn or died, (definately not a joking matter).

 

It could be said that, with all thats come out of the woodwork since Mr Slippery did a bunk, he has definately been left holding the baby!

 

Regards

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Had a look again at the 1st post I did when I joined the forum. It was basically an information post as , in the past I had worked in finance and had some knowledge of how DCA's operated. In the post (CRA Reports, 08 11 07, 'Cashins'), I mentioned in passing why most mortgages don't appear on credit reports. The reason is:

 

"that Building Societies are very protective of their customer details and don't want to put the on what is effectively an open forum for lenders"

 

That surely has to prove the point!

 

Regards

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I changed my interest rate with Abbey and I had had a mortgage for 20 yrs with them without being on a cra file. The minute I change the interest rate they deemed the mtg a new deal and started registering it at the CRA's - I went ballistic - Didn't make a hapeth of difference - Abbey are the pits as far as I'm concerned on all fronts, Mtgs, Banking, Insurance. Any complaints falls on conveniently deaf ears they are the pits and the bottom of the pits at that. I've been loyal to them for over 20yrs..They don't give a ****.

 

Tom

Legal & Trade - Capital Bank CCA 4th May - 16th May due

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From Experian's website, as statement of corporate responsibility:

"We interpret this as taking due regard for society's expectations of large companies. We believe these expectations to be for steadily higher standards of conduct and for taking increased responsibility for the direct and indirect effects of our operations."

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From Experian's website, as statement of corporate responsibility:

"We interpret this as taking due regard for society's expectations of large companies. We believe these expectations to be for steadily higher standards of conduct and for taking increased responsibility for the direct and indirect effects of our operations."

 

Theory and practice lol. They just stated how they 'should' act, not how they 'would' act. I especially llike the bit about responsibility for their indirect effects. Noble stuff.

What sort of world do you want your kids to grow up in?

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