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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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Lowell/BW Claimform- Vanquis Card - poss SBd***Claim Dismissed***


Martyn1984
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Hi all,

 

Today my wife received rather thick envelope containing letters from Lowell and BW Legal, containg a reply form, which after looking about online seems like a new thing (pre action Protocol?).

 

My wife hasnt heard anything about this debt in a very long time, plus we moved home last year so that possibly hasnt helped matters.

 

The debt is for Vanquis Bank (Credit Card) and was defaulted on 31/10/2012 - no payments have been made since before this date and its approaching being statute barred.

 

Whats the best way to proceed WITHOUT acknowledging the debt?

 

Do I tick boxes D to dispute the debt and tick box I and ask for more information? If so what information?

 

Should I also sent a normal CCA letter with the reply form?

 

Do I now just deal with BW Legal seen as all this has come from them as Lowel say it has been sent BW Legal?

 

Many thanks

 

Martyn

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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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ofcourse not, ......:!:

what a strange world it would be if a ex customer cant ring and simply ask a question ...

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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My wife rang Vanquis this morning to be told they are apparently unable to see any information on the account as it’s over 4 years old?

 

They could see the account but not access anything on it?

 

Should I just proceed completing the form as previously mentioned and send the CCA request to BW Legal?

 

Thanks.

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now go ring them back

 

tell them

under the prevention of Fraud act

and

the data protection act

they MUST hold data for 6yrs.

 

if you don't give me my information I will put this phone down and immediately ring

the information commissioners office and raise a serious complaint

 

ask to speak to a supervisor or manager

not the normal phone script jockey.

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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Hi,

 

After going round in circles with Vanquis I spoke to them today and they are apparently unable to see the information and were trying to get us to send a SAR request but obviously we don’t have time seen as BW Legals letter says payment or response by 22nd Feb before they issue court proceedings.

 

A supervisor is requesting the Information from a back office team and claims this will take upto 7 working days

 

As that’ll take us upto 8/9th Feb I guess that’s ok?

 

Do you recommend to wait until we find this info out before returning the reply form asking for more info?

 

Thanks.

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they are not bailiffs

they have zero legal powers to impose any time limits

and can be somewhat ignored

 

if the debts sb'd then it wont be going anywhere

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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YES, you wait.

 

Any time limits Lowlifes and BW Illegal state in their missives are purely arbitrary, and whatever the clowns have sent you demanding you fill in, IGNORE.

 

YOU will demand what information YOU want, not be dictated to by some powerless DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The saga with Vanquis continues...

 

Told this morning that they don’t have the information or are able access it!

 

Told them about fraud and data protection and making a complaint to information commissioners office.

 

Some manager has gone off to look into it...

 

Why have I got a feeling he’ll ring back still claiming they can’t get the information.

 

Then what do I do?

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they'll find it they always do.

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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great vanquish always cough when you wave the ICO flag at them.

what date was your pap letter from them please?

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

19th January saying if they don’t hear back by 22nd February they’ve been instructed to issue a claim.

 

How does the statute barred date work with the dates on this letter?

 

Do I need to send them anything ?

 

Should I say I disputed it and my reason being I don’t recognise it?

 

By time they reply it’ll be after the 28th Feb?

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once a claim issued SB parked up

 

Yes, but this is only the PAP letter isn't it?

 

If they fail to hear anything by the 22nd Feb then they'll issue a claim........SB on the 20th.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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no they say INSTRUCTED

not WILL

 

please read the letters properly.

 

I can instruct my dog to stay

IF they do is a TOTALLY diff matter

 

what date did you get the pap letter please??

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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then fill it out as already advised on that thread post 6

and send it back on the 23rd

 

by the time its processed - the debt will be dead

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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  • 1 month later...

Hi all,

 

Today my wife received an e-mail from BW Legal stating they have issued a claim against her on 6th March 2018 and to expect the claim in the post. I have attached a picture copy of the email.

 

I sent the PAP back to them with signed for delivery and they signed for it on 19th Feb 2018, well within the timescale they set, they have not responded apart from this email.

 

The debt became statute barred on 28th Feb 2018, before they issued this claim and they haven't even responded to the PAP requesting all the information...

 

What am I to do now, wait for the claim obviusly but after that?

 

They havent responded to my request for more information and also the debt became statue barred on 28th Feb.

 

Many thanks as always.

CLAIM.jpg

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Well they shouldn't be doing that, they've ignored pap

Judge won't be too pleased and of course its sb'd anyway

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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Thread moved to Financial Legal Issues Forum in view of the anticipated court claim.

 

Regards

 

Andy

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