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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Nationwide debt -NCCS/KRP now MKDP - **ACK'd Now SB'd**


cleo4patra
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Had a very strange letter today from a debt collection agency for NCCS .

 

 

I had CCA'd Nationwide and had no response

- I sent non compliance letter ( cannnot demand payment , pass on to DCA etc).

 

 

What I don't understand is that the DCA have written (without prejudice) offering me a disounted settlement with no detriment on my credit file

- limited offer for seven days only)

 

I am puzzled - any ideas??? thanks Cleo

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Am unsure what to do next - may write and ask exactly what they are offering?

Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Ref No: xxxx

 

 

Dear Sir,

 

Thank you for your letter dated xx/xx/xx, the contents of which have been noted.

 

However your client, Nationwide have singularly failed to respond to my letters dated xx/xx/xx and xx/xx/xx whiich required them to supply a true copy of a properly executed Consumer Credit agreement.

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

Yours sincerely

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That is a very good letter - thank you. Do they ever settle ?

well on further investigation K P R debt collector is actually Nationwide. To look at the letter you would never believe it. At very bottom in tiny print "K P R is business name of Nationwide Building Society"????? It is quite deceiving.

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  • 2 weeks later...
Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Sent said letter Ie no CCA etc - but KPR have now sent final demand!! The account is still indispute so is there a further letter to send please?

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I am unsure of next step?? Can anyone help please??

 

I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

strangely enough I sent that letter today after having a good trawl on this site!!

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  • 1 year later...

i have received a demand from wescot for an NCCS credit card that has already been to several DCA's. Have been through all of the procedures - collected a supposed "Agreement" from the branch. This consists of a copy of a "Priority Application" with absolutely NO prescribed terms whatsoever. NCCS and all the previous DCA's KNOW this. Wescot insist I have to pay in full. All the form consists of is:

name and address, password, PIN issue,

Job title,

Card Protection plan and my signature, no payment terms , credit limit no APR or interest rates. Help!!!

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

thanks - I have been through all of the ususal stuff - however I have now referred them to the latest judgment Southern Pacific Securities v Walker and referred to the paragraph - missing prescribed terms = wholly unenforceable. Lets what happens now.

 

many thanks

 

Cleo

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  • 4 years later...

well - it's been ages since I posted on this thread

- been having letters for ages from MKDP

 

 

">>>>we are trying to find a copy of your agreement....."

(I picked a copy up from the Nationwide branch years ago and it was application form no prescribed terms.

 

 

Now I have received a letter from them today"..

 

 

.we are concerned that correspondence addressed to you has been returned from your address.

 

 

In response to the returned mail received,

we have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases

and this information has led us to understand you still reside at the same address

... please contact us to discuss further..."

 

NOW I AM NOT PLEASED!!!!!

 

 

I have not sent any mail back and I think the letter implies I am being deceitful/underhand.

 

 

I believe this debt is not just unenforceable but also SB now.

 

 

Anyone else had such a communication????

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  • 3 weeks later...
  • 2 months later...

Had a letter today from MKDP - for ages and ages they have sent me letters "still trying to deal with your complaint...."

 

 

after they received my Statute Barred letter

miraculously they have found a copy of the "agreement"

 

 

which is copy of application form same as I collected from the branch years ago (see posts on this thres)

they also enclose a copy of a letter I sent to Raven Revoceries in June 2012 -

this letter explains I only ever received app form copy/quotes cases/ unenforceable etc (think its a template letter).

 

 

They say this letter counts as acknowledging the account.

 

 

Anyone help please?

 

 

have had response from MKDP to my letter . I explained had sent no mail back and also that this was now SB under Limitation Act. MKDP have "noted my dispute.......and are contacting Nationwide...... all collection activity now on hold......."
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why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

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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I need to go through the paperwork again

- I think I had nothing from anyone for ages which may explain the gap.

 

 

I thought if it went to court it was perceived as not good practice to not reply.

I didn't realise they were the same organisation either.

 

 

They say this their final decision and I am liable for the debt.

 

 

I know that I haven't paid for over six years .......thanks for your input

 

 

why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

dx

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once a CCA request fails

 

 

its always best to stop all letter tennis.

 

 

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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  • 10 months later...

Letter from MKDP (I sent them the Statute barred letter a while ago) apologising..

 

 

. "I can verigy this account is now closed and you will be no longer pursued for the debt..."

 

 

Apologise for distress and inconvenience and enclose a cheque for £50!!!.

 

 

I understand MKDP are now "Hoist"?

 

Anyway it was nice to get the cheque

 

 

however my name is incorrect on the cheque so they are sending a replacement ...

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  • 2 years later...

well : I tried to claim PPI for this in 2016 but was deemed not mis -sold. I had forgotten I claimed to be honest and recently went through some paperwork and sent them another claim. Received letter saying had previously tried with copy of rejection letter. Further letter saying undisclosed commission : greater than the 50% threshold and a cheque on the way For £700.00 + !!

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another plevin win then...

 

 

well done

 

don't forget to donate if you can to keep us here.

 

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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