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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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Erudio and final FOS decision - now drydens PAP Letter


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too many complaints

always the way when a DCA buys bulk debts

and tries to fleece people

 

the trouble with all these SLC loans is the gov't flogged them on

so the FOS have to tread carefully.

 

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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  • 3 months later...

Been a while so I thought I'd provide an update.

 

hadn't heard anything since September annual statement, not even a letter from Erudio to say they are reporting me to CRAs.

 

But that changed in November and Crapquest sent me a text about a "personal matter" that needs sorting out today and then tried to ring.

 

Erudio said they passed on my "debt" in June/July and it's taken till November for them to get in touch. Definitely needed sorting out that day then.

 

after blocking numbers, they could still leave voicemails, turned off voicemails.

 

They combated that by sending a text with no number to block, saying I've got a letter waiting for me at this link.

 

As if I was going to click that link, just deleted the text.

If they want me then they can actually send me a physical letter with details of my loans and that they have ownership.

 

Though my deferment date is in May, (I'm sticking to it, even if Erudio don't wish to honour it)

 

was thinking about sending them (crapquest) a letter saying, communication in letters only and I'll be in touch before my deferment deadline with relevant information.

Is this worth a stamp or should I just wait till deferment time?

 

I'm still going to send a letter to Erudio at deferment time as well, unless I've got something in writing that crapquest officially own my loans.

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erudio are arrows, crapest are another trading name of arrows.

 

I wouldn't bother

 

same office

just another bloke at the next desk in a different coloured skirt

 

all designed to make you think its going up some kind of chain

its not

its willy waving to spoof you.

 

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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  • 2 weeks later...

Well I've finally had a letter from from Crapquest informing me they will be managing my account on behalf of erudio. They also said they first wrote to me 8th Nov which is a lie (shock) as I never received a letter.

 

So I advice on my next move please.

 

I know they are the same company, so should I send them my deferment evidence this year as well as erudio or just keep it to crapquest now?

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they always say they've written before std DCA tactic going back to the 1980's

 

 

post 84 applies

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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Cheers dx.

 

What do you suggest I do when my deferment time approaches in a few months?

 

 

Should I send my letter and evidence to erudio or capquest?

 

I suspect erudio as crapquest are "managing my account on behalf of erudio.", though i suppose i can easily send it to both.

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  • 2 months later...

back again as my deferment period is approaching so it's once again letter time but i need some advice on what to send and to who as things have changed since the last time.

 

i have recently set up my own business and i am about to start trading at the end of april.

This is not a salary paid position at the moment and I am not receiving any income at this time or will be in the months that follow.

 

 

i am self funding it at the moment and will receive any money via dividends at a later date, though this is not guaranteed as my business is based on sales.

 

 

I will be looking at getting another job in the future if this doesn't work out, but have to follow those dreams eh!

 

i was going to just send them a letter explaining that along with a copy of the letter from companies house with my name on it proving i am the director of said company and a blacked out bank statement but showing zero income.

 

I presume this should be good enough?

 

Also should I just send this to erudio and not capquest? even though crapquest are "managing the account" now

 

i know crapquest and erudio are the same company

I presume if i send it to erudio and if they try to take me to court I will have still kept up my communication with them so should still be ok?

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Just fill out the old SLC deferment form its here somewhere to erudio

No need for anything else that you normally would not send slc

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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thanks andy great find!!

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'm gonna create a new thread and make it a sticky!!

 

 

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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cheers dx and andy for the advice and link to the SLC forms. I really appreciate it.

 

I'll edit the gross amount on the form to this years before I send it off. I'll also sign it with a slightly different signature as if I recall that's what i did with the fos stuff when i sent it in last time.

 

I'll update the thread if/when I hear anything.

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  • 3 months later...

but if slc already knew it then so do arrows so no backdoor CCJ

which are the only ones that they go for

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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but if slc already knew it then so do arrows so no backdoor CCJ

which are the only ones that they go for

 

But if you move again then you only have to inform erudio your new address?

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but not simply by receiving phishing letters.

if YOU did not inform SLC of your current address before the sale of your loan

or you have changed address again since you need to ensure arrows know it YOU sending say a CCA request or some letter informing them.

 

 

else they'll go get a default judgement on you on purpose

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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in writing I hope

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

doesn't matter they could have gotten that from your credit file and sent phishing letters

so that WONT prevent a backdoor CCJ

have YOU written to them from your current address?

 

 

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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posts moved to your own thread

 

 

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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Yeah I've sent them numerous letters including this years deferment SLC form letter. Signed for delivery so I've got proof.

 

posts moved to your own thread

 

dx

 

Thank you. Sorry for hijacking the other thread.

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I can see that now we are on your own thread..

 

 

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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