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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 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  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' 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?
    • 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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HSBC sell Debt to Cabot


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I have a number of accounts that I am paying back on an agreed debtmanagement plan, one being a credit card with HSBC.

 

The dilema I am in is that all the other companies have changed the status of my account on experian to Special Instruction Indicator: Arrangement and I have been paying them upto date for over a year now. All this is showing a green symbol.

 

In trying to rebuild my credit rating and finances etc HSBC Credit Card have not changed this, yet they accept my payment of £x.xx per month and have frozen the interest (although it it with MCS) This still shows as a red symbol

 

Is there anyway I can get them to alter this to relfect I am on an agreement and that I have kept up with monthly payment?

 

The arguement they came back with before was that they wanted more than triple what I offered to and am currently paying and therefore did not accept the agreement?? Yet they have settled for a reduced amount and have done so for some time

 

Any thoughts please?

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The first step has to be asking again.

It sounds as if it's sometime since you have been paying regularly, so they might say yes.

Send a copy of your file showing all the other companies status - it might shame them into following suit.

 

If they say no, you've lost nothing more and to be honest I think you'd be struggling to challenge them by any more formal means.

 

 

Credit reference files are notoriously difficult to challenge.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 2 months later...

Following advice from a forum member to another post I sent a CCA request to HSBC in December 2009.

I first got a letter back saying they were dealing with it.

22days after my original request I got a package delivered with loads of information.

 

The covering letter,

which I dont have a copy to hand,

starts by saying they dont have to provide a signed copy of my document or original terms and conditions under current law

but they attached updated copies of the CCA and random information all stamped and signed, poorly, on each page.

My original agreement was from 1996.

 

The letter goes on to say that the CCA is still enforceable even without a copy of the signature.

 

What would be my best move next?

I am trying to prove my current CCA is not viable and therefore stop them trying to take me to court every month even though I am on a debt management plan

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  • 7 years later...

I have today received a letter from HSBC saying that my credit card account debt has been sold to Cabot as of July 2017 and I should arrange to continue to pay them not HSBC and HSBC will not correspond with me anymore.

 

This relates to a credit card that defaulted in 2011 and I have been paying them back an agreed sum of money each month and always maintained payments.

 

Having had run ins before with other collection companies I wonder if anyone could help with my concerns?

 

- My payment agreement is with HSBC and now Cabot now seem to want way more than I can physically afford and say that I need to complete a financial assessment to make a new plan otherwise they will take action

- The sums of money Cabot seem to reference seems excessive compared to what I think I owe. Can I somehow check what the values are and if they include any fees etc

- In buying the debt how does this affect my credit file. HSBC has not been showing on my CRF since January 2017?

- Should have I been notified of the sale of my account beforehand?

 

The last time I had to deal with Marlin it really made me ill from worry and I do not want to go through this again

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send them a CCA request

if its dropped off because the default reached its 6th birthday

the fleecers cant put it back up

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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merged a few old threads on this here

shame you didn't stop paying 7yrs ago when they failed the CCA request before....

 

 

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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Yep. Sadly youve been fleeced for many years. The debt is wholly unenforceable. I can pretty much guarantee that, and youve been spoofed into paying when you didnt have to pay a single penny.

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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