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    • Their letter to you was rather condescending and even rude  "-in order to allow a reasonable driver to be notified of the terms and conditions". So f they do decide to go ahead from here remember that when responding to their Witness Statement as they never get that right. 
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    • We still have not seen either the Notice to Driver or hte Notice to Keeper PCNs. As these are legal documents that can help  your case could you please post them up. I did ask last year if you didn't retain the NTD that you send UKCPS an sar. Did you do that? If you don't have those two vital PCNs [not the reminders] can you please send off an asr now. Sometimes the rogues use Trace to confirm their address is till valid with a view to sending out a letter of Claim. If you have received the SAR could you please post up its contents.
    • One more thing Madge just make sure that you include the payment confirmation from the phone app to ECP. this will never see Court if anyone at ECP has the ability to read and understand English. Then send it off to court and ECP. Next -at least one bottle of wine between the two of you and relax. It is over..........................
    • Thank you Restart for posting the original PCN-it is the one that has to comply with the Protection of Freedoms Act 2012 Schedule 4. And thanks to Nicky - I hadn't noticed the word Reminder on the first PCN and wondered why it was posted on the 29th June but Restart said he had received it on the 24th. The original PCN is not compliant with the Protection of Freedoms Act Schedule 4 whicch means that you as keeper are therefore not liable for the charge. The driver is the only one now liable and as you haven't appealed they don't know who was driving so you are both in the clear.  It is non compliant because they have not included the actual parking period just their own ANPR times that obviously include driving from the entrance to the parking place and later driving to the exit. Section 9 [2][a] refers- (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; They have also failed to ask the keeper to pay Section9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges Sadly although both of you are in the clear there is nothing yoycan do to bring this to a quick close. So you will just have to read piles of letters containg threats and unlawful increases in the amount they are charging. They can all be safely ignored knowing that your case will be thrown out should it ever get to Court. Though Dave is right that a letter to Starbucks might get you a quick cancellation. All you have to watch out for is a Letter of Claim which if received let us know and we can advise a snotty letter to send back to them. The snottier it is the more likely they will decide not to go to CourtIn the meantime read up other cases which have been successfful or ongoing cases esprcially ones similar to yours to understand the way these vile companies operate. Do not contact them as  you might let slip who was driving and that at the moment is your strongest asset.
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what about the CPA's...from post 1 you have not answered if you have directly phoned your bank and done anything about cancelling and reclaiming CPA's, despite numerous advice to do so?

 

CPA's are nothing to do with and are a totally separate issue from cancelling direct debits and will not be cancelled by asking Direct debits to be cancelled.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Quiet clearly from what the OP has stated several times the bank, HSBC, are not recognising these as CPAs but saying they are DDs. I am not a member of the site team and have managed to understand this. 

Hence why she cant cancel them or get a refund on them. I have asked several banks about CPAs when setting up a new ban account and none of them knew what they were they all said what DDs or SOs 

 

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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Continuous payment authorities (financial-ombudsman.org.uk)

 

where available any DD can be cancelled by a bank's customer by logging into your online banking portal and cancelling them, that's written in the banking code. its also quite clearly states a bank cannot refuse a customers request.

 

the op has to date never confirm they have actually directly asked or even mentioned CPA to their bank nor to cancel all CPA's, they appear as many people do to fail to even know CPA's existed.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i got a question to ask about debit card, I renew another card, is that mean no one else can use me detail purchase anything in online, or the hacker still can able trace the new card detail or without new card detail he/she still can use old detail do any purchase?

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On 16/03/2021 at 23:54, dx100uk said:

your issue is nothing to do with your debit cards now, it's called CPA - Continuous Payment Authority, 

once a CPA is set up using a valid card with the last 3 digits of the CVV on it's back it remains active until YOU cancel it regardless to a change of card.

 

you need to contact HSBC and demand they cancel ALL existing CPA's and not to allow any further CPA's without your WRITTEN authority.

 

dx

 

 

already explained the answer you last question almost a month ago^^^

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thats ok. so doing will sort the likes of Google Play, YouTube , Amazon , 02 and eBay etc, that you mentioned in your 1st post.

once the CPA for each is cancelled, payments will no longer go through.

 

to answer the other bit which i think you are asking, regarding your new cards, no the hacker will not be able to find out the new card details as long as you've now taken the appropriate security measures and steps on all your devices to prevent this happening again.

 

don't be scammed into thinking things like using a VPN will prevent it ..

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

called the bank this morning, they said CPA = direct debit, so at the movement i dont have any DD set up anymore, but yet, Google Play, YouTube , Amazon , 02 and eBay etc still will continue paying.....

 

And they say they didnt receive my appealing letter on last month, and their investigate already stop last month, but yet my problem never stop still going payment going out on last month statement, 

 

Now fraud team said any i report as fraud they will get the refund bank from Google Play, YouTube , Amazon , 02 and eBay etc BUT wont refund back to me anymore.

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continuous payment authority is not direct debit.

 

you as a customer are quite within you legal rights to demand they to cancel ALL CPA's linked to your bank account, 

i would politely suggest you stop talking to clueless phone banking operators and ring again and ask to speak to their supervisor/manager.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So as l said previously the bank is not recognising a CPA and saying they are DDs. Maybe go above the heads of the staff and go to the top. The  directors office make them work for there pay. 

 

Is it possible you could change banks. Then move all your money out of it and close it down. That way they have no access to it. Oh and then Don't give your son the details get him google play cards for the poke coins. 

 

 

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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DX100uk, first at all they not allow me to talk with their supervisor/manager. they told me CPA is mean direct debt, even i goto to the branch they also telling same thing.

 

The god mother, i already removed all banking detail in google pay since in 2nd card, but 3rd, 4th, 5th card still can hack

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I did not say remove all the details l said move banks. Sounds like you need to take your money else where as they are doing nothing to help. What bank is it. 

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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how much are you out of pocket please?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I just found important news, last night i am checking my son email, and found google send us a location notification said some using the email, and the location is in St. Helens, AND USING SAME IP address like me, just now call up to talktalk to ask about IP address can be same with others, they say everybody are using different IP address, so what is ur guys comments?

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Dont lose those emails. 

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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As far as I know an IP address can be changed.  It should only be allocated to one internet connection at any one time, but it could be the case, that one internet connection has the IP address during a period and then a different internet connection has the IP address at another point in time.

 

 

 

 

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Just spoken to my other half. He says it sounds like it might be some type of VPN is possibly being used. Not normal for it to show in the same country as u. Normally it does show as in a different country. 

 

Do all the emails show the same St Helens location and same IP address. Also are you near a St Helens. 

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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you indicated earlier you had changed passwords on google.

simply go into settings on google and disconnect all logged in devices.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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