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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Capital one CCA help please


yodabug
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Morning all.

 

I have an outsanding credit card with Capital One ( well pre 2007). Been paying nominal amount for 10 years with payplan

 

The debt is still with Capital One - not sold off to any DCA whatsoever.

 

Is there anyway to check the default date on it ?

 

Both on Clearscore and and Experian I have clean CRF. All defaults well and truly dropped off.

 

The reason I am asking , is that I am currently in process of CCA'ing everyone.

 

Capital One is the only debt NOT sold on to fleecers.

 

But cannot remember / have not got any paperwork with a default notice.

 

Pretty sure it was defaulted say 8 years ago - just want to make sure 100% - I now have clean CRF and dont want it damaged for another six years - if and when I stop paying them. This is the only card I have NOT CCA'd at this present time , on this basis.

 

Any help much appreciated.

 

Thanks again.

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if it was defaulted more than 6 years ago then it will have dropped off your credit report never to return

 

If you have checked your credit report and it is not there, Then there is a good chance it has gone

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Thanks Colin.

 

But need to actually check if it was defaulted in the first place ? Because if it hasnt defaulted yet - then it can be down the line.

 

Thanks

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moved to the cap1 forum.

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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  • 3 weeks later...

Hi everyone

 

Here is my story

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?486920-Been-Paying-Payplan-for-6yrs-Can-i-still-get-CCJs-all-defaults-gone-CRF-is-clean

 

I have just received a reconstituted agreement back from capital one who still own the debt.

 

Please let me know if I need to upload the recon agreement ( just looks like a fresh one straight from printer )

 

What they have provided with my actual signature on looks like an application form ?

 

What do you think ?

 

Thanks again

cap one cca.pdf

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Is this still owned by cap1

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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Wont hurt to offer a small sum if they. Agree to freeze int and charges

Letter in the dca section of our library

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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You have removed the dates of the application...is this pre April 2007 or post?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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18th jan 2003

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

I have compared this too other CCA returns - and it appears to be just an application form - with no prescribed terms together with a reconstituted agreement.

 

So now we have the date......their compliance using a reconstituted version is fine with regards to responding to your section 78 request...they have fulfilled their obligations...assuming the recon is accurate.

 

Should they wish to go further and issue a court claim then they would have to disclose the original to enforce the agreement (pre April 2007) along with the correct T&Cs and assuming it contains all the prescribed terms.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hello

 

So wise to continue with token payments and then offer F and F ( as per DX advice ) ?

 

Just a bit confused as it’s a reconstituted agreement.

 

Thanks again

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Very low £1 then theyll sell it on

Then you can stop

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

  • 3 weeks later...

Hi there

 

I got my SAR back. Seems to be a lot of late charges and interest charges applie to account. I will investigate what i can maybe claim for here.

 

and Capital one got in contact saying they missed my recent latest DMP payment. They didnt.

 

I have since cancelled by DMP arrangement.

 

The letter ends..

 

If we havent heard from you within 21 days from the date of the letter.....we will contact you directly and take the nexts step in recovering the amount you owe us, which is likely to mean passing your account onto a debt collection agency or selling to a debt purchaser.

 

shall i just continue to make token payments or now just let this run ?

 

any help much appreciated

 

thanks

Edited by yodabug
typo
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If you keep paying you run the sb date still

Pers id stop

Theyll sell it on

Then new cca time again?

 

Is this on your credit file?

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

pers i'd stop paying then

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

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