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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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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.
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cohens and Barclaycard debt


puddleboots
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Hi, today I received a letter from Howard Cohen & co. Solicitors re a credit card debt from Barclaycard. (enc)

 

 

 

I sent off a CCA request in October 2015. They sent back a copy of term and conditions and a covering letter.

 

Since then they sent letters from Robinson way requesting payment then there was a Notice of Pending Legal Action letter from HC solicitors in August 2016

 

Nothing since then until todays letter for settlement offer.

 

I'm guessing this is because they can't provide the CCA I requested?

 

I can't pay what there asking anyway....should i just ignore this?

 

Thanks PB

Barclays.pdf

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ignore!!

but not a claimform mind!

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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ive hidden you attachment

you've left QR code boxes and ref numbers showing.

 

 

its a begging leter.

as above

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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Very obvious they havent got a compliant CCA

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Received another l'without prejudice - settlement offer' letter this morning saying;

 

We note you have not responded to our client's previous offer

 

Please note you now only have 7 days from the date of this letter remaining to accept this offer

 

Subject to assessing your affordability, your client will also consider your personal circumstances if you cannot pay this amount in full, therefore allowing you to pay this settlement amount by affordable monthly instalments

 

When this agreed sum is paid in full, the remainder of the original balance will be written off. If you do accept this offer your credit file for this default entry will be registered as "partially satisfied"

 

This off will expire 7 days from the date of this letter when the full amount becomes payable

 

If you do not contact our clients agent, Robinson Way Ltd on xxxx with your debt continuing to be unpaid. Our client will be entitled to continue with Issuing a County Court Claim against you.

 

 

I'm going to post the reply they sent me in 2015 after I requested the CCA

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They know the debt is unenforceable. No CCA return, no payment. Ignore them. Theyre hoping you get scared and pay them. Its pretty much a last ditch attempt at getting cash from you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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its a discount letter ignore them.

as post 3

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

DOesnt matter what rubbish they sent. THey never fulfilled your CCA request. End of.

 

One important question now. Who currently owns the debt . That pDF is also non compliant as theres no app form, not even a blank one, and Theyd be hard pressed to say there have been zero changes to t&C's through the life of the debt.

 

Can you tell us when you took out the agreement.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ah yes

the usual 620000 they pull out of the filing cabinet

slap your name on it

and

here sucker ..swallow this load of twaddle.

 

 

when did you take the card out

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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CCA the current owner.

Youre being marked as gullible, which is why theyre pressuring you. And youre starting to fall for it.

 

 

This is how they operate.

They have no feelings for you, your circumstances, or anything like that.

They just want money, and they couldnt care less what they do, including breaking the law and regulation to do it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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