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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Creation Car finance agreement - dealer forged my sig, was cabot now lowells chasing


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Hi, I am looking for some advice/opinions...

 

In January 2011 I purchased a car with finance provided by creation.

The price of the car was £2995, I paid a cash deposit of £800.

I was made aware of charges/fees totalling £450 (ish), which would be added to the finance agreement.

 

All was going fine until around 6 months ago, when a change of bank account led me to registering for online account management (so that I could arrange continuing payments).

 

The amount outstanding didn't appear to be correct so I contacted the company and requested all of the relevant figures.

It turned out that the set-up/admin fees had been added twice,

the representative I spoke to said that the dealer was wrong to add these fees at the point of sale as they are always added afterwards.

 

A rather in-depth conversation led to me being informed that creation don't actually hold any physical paperwork, and that they would be unable to amend the loan amount without notification from the dealer.

 

After some detective work I managed to locate the dealer

(who had now leased his forecourt to someone else, but I found him in the end!).

 

I explained the situation, and asked for a copy of our original sales document.

A week of telephone calls and me harrassing him brought no joy.

 

He told me that all of his paperwork was in storage and that he'd been unable to locate the document.

Well, of course he couldn't find it

- it would prove that he had actually received £450 more than he should have from creation, which they would obviously want back!

For me, the actual cost of the £450 would be much greater due to the associated interest.

 

Fortunately,

I did find my copy of the sales document, and emailed creation again,

informing them that I had a physical, SIGNED document showing the correct amount.

 

I explained that I would be happy to send them a COPY, not the original

- this was all the proof I had, it wasn't going to be lost in the post!

They did not reply.

 

On to the more pressing concern now...

during all of this I noticed that creation had the wrong registration number for the vehicle.

 

I informed them of this, without giving them the correct number.

Again, they were unable to amend the details without verification from the dealer.

 

I sent a final email informing them that this needed to be corrected (as did the loan amount) as I was hoping to sell the vehicle, with their permission of course.

 

I was hoping that this would set alarm bells ringing for them

- the vehicle did technically belong to them.

No joy.

 

after a couple more months,

it became apparent that the car was going to need a lot of money spent on it

- which I didn't have.

 

I did a hpi check and, surprise, it showed no outstanding finance.

So I traded it for another car at a local dealership.

 

I now find myself in no position to continue with repayments

- I am just setting up a debt managemnt plan,

and have just been visited by bailiffs

and had to agree a repayment plan with them

(which I can't afford, but will have to find if I want to keep my possessions obviously!).

 

I am in this position through my own actions

- I was earning a good salary until a year ago but had to give up the job.

This really is no-one's fault but my own.

 

My question is this - what can creation do to me?

I no longer have the car so they can't repossess it.

 

Actually, I NEVER had the car with the registration number they hold,

although the make and model are correct.

 

I am willing to come to some arrangement with them if they will accept a much reduced payment,

my concern is that they won't accept it and I have sold a car which didn't belong to me

. But then, it didn't belong to them either maybe?

 

I know I shouldn't have sold the car, but in my defence I did inform them of the mistakes with the agreement.

The only document I have ever signed is the original purchase order with the dealer (which he can't find).

 

Any ideas?!

Thank you.

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  • 4 years later...

Hi, can someone please help - I don't know what steps I should take next:

 

I sent a CCA request regarding an old agreement.

A copy of the 'original' agreement has arrived today

- with a forged signature!

It is most definitely NOT my signature, although it is a good attempt.

 

I never signed a credit agreement, that is why I sent the CCA request.

 

There are other issues

- the registration number of the vehicle I bought is incorrect,

as is the purchase price

- both issues were reported to the finance company at the time.

 

At this point, though,

I am more concerned with the fact that someone has had the audacity to forge my signature!

 

There must be a process I need to follow,

but I have no idea where to start.

Can anyone point me in the right direction?

 

Many thanks

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merged with you old thread from 2012.

 

so the dealer forged your sig then,

this must be close to being SB'd too!

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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so what prompted the sending of the CCA request

 

 

have cabot been sending threat-o-grams then?

 

 

tell us what has happened between your 1st post and today that has prompted you to CCA?

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

The account is now with Lowells Solicitors

- they sent a 'final notice before court action' type letter..

. There may have been many other letters which were never opened (head buried in sand moments).

 

I haven't been paying this debt,

and I haven't acknowledged it.

 

 

Because of the issues with the account

(as my original post - incorrect details, no satisfactory response from Creation regarding these details)

I just didn't pay it

- I know that's not the best course of action,

but I've had many other things to worry about over the last 5 years.

 

I think the problem was always the cowboy that sold me the car.

He was more than a little surprised when I found him in 2012!

Funnily enough, I've seen a FB post very recently about him, and it wasn't a good review.

 

In summary

- I am in possession of the original purchase order,

showing the correct vehicle registration number and purchase price.

 

 

I have not made a payment on this account since 2012

(according to the statement I received today

- I'm sure it was longer ago than that, though).

 

 

I have not opened any letters about this account for years

- but that's not to say I didn't get any.

 

 

I am angry that I seem to have been 'done', and yes,

I'm trying to not pay it for that reason.

 

 

The CCA request was made because I KNEW they did not hold a signed agreement,

because I never signed one,

and I need to show I have tried to resolve this before it goes to court.

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looks like the OP paid until about feb 2012 [1st post]

 

 

dx

 

 

 

 

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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oh and you did the very best thing by not paying!!

 

pers i'd let this run

 

if you do get a claimform

then comeback here.

if casbot has sold it to lowells.

 

that means its definitely a lemon debt.

 

cabot are bottom feeders

Lowell don't usually deal in debts cabot has had

so i'd sit on your hand

which might have been a better thing to do

unless you've moved since you took this out

then the CCA was a good Idea as they now have the correct address

and cant get a backdoor CCJ.

 

the fact that its fraud and you have proof will KILL any court claim dead.

 

don't worry

 

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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Thank you for your input, it is appreciated!

 

Yes, I have moved - and changed my name (first name by deed poll, surname by marriage). Letters are still addressed in my old name. They found me somehow - not sure how? I had already changed my name by the time I moved...

 

Do I need to do anything about this fraudulent signature? Should I respond, pointing that out? Report it somewhere?

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now go read post 10

 

 

as long as you've CCA'd from your current address you do nothing more

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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