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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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Lantern resolvecall


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My wife received a letter today from lantern saying they have been trying to contact her.

It says she owes £722.91 but doesn't say who to, it simply has an account number.

 

She has no idea who the debt is with and nothing is on her credit file.

 

They are saying unless she pays up in 7 days they are referring her to resolvecall.

 

How should we deal with this?

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moved to the lantern forum

 

they usually only chase payday loans they have bought

 

resolvecall are [as with all DCA's] totally powerless and are NOT BAILIFFS.

should you get a dirty mac brigade at your door

say nowt bar tell them to leave else you'll call police 101.

 

you say her credit file is clear?

and her old addresses are all showing ?

 

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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has she moved in recent times?

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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ah yes I see from previous threads she has.

 

might be wise to send them a CCA request

even if its not applicable atleast they'll now officially have here correct address so no backdoor CCJ:wink:

does the figure match any of those old debts in

https://www.consumeractiongroup.co.uk/forum/showthread.php?489151-Lowell-financial-and-4-debts

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

well I was thinking that someone might have used her details because she obv didn't update creditors etc when she moved

so some little tyke might have used all the stuff still sent thereto gander her pers details to open fraudulent credit accounts everywhere in her name

but as theres nowt on her credit report, that seems remote now. but not impossible

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

well today we have received a reply.

 

they say that there were 2 accounts with northway financial. both are payday loans, 1 for £200 plus costs and 1 for £250 plus costs.

i have asked my wife about these and she says she doesn't recall them at all.

 

they have supplied some paperwork that implies they were from 2008 at 1 of my wife's previous addresses.

none of the paperwork shows any signatures and they say they are unable to provide us with a copy of the deed assignment as this is legally privileged and commercially sensitive that contains details of third party accounts. should we require a copy of this documentation, they say we need to request a copy through the courts.

Edited by dx100uk
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who said ask for the deed?

 

please don't follow FMoTl twaddle letters/sites

 

so as post 7 then...thought so.

 

signed up for online too no doubt.

this is why its SO important to update everyone with your correct address

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

You asked for the deed of assignment? Or you didnt and its them being clever?

 

Yes identify theft

If they were defaulted more than 6yrs ago they wont show no.

 

But that also smacks of them being statute barred?

When was last payment do they say?

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

we didnt ask for deed of assignment,

we sent them a cca request as you suggested.

 

it doesnt say that any payments were ever made.

all it says is the amount on loan and duration of 29 and 31 days respectively for the loans, both taken out early 2008.

 

from what i can see, nothing as ever been paid back.

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Brill

 

Statute barred then

 

Send them our sb letter from the debt collection section of our library

 

Head it

 

I dont not acknowledge any debt to you or your clients

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...

i did as you said and sent the statute barred letter.

 

we have received a reply stating that the account is on hold while they conduct their investigations

 

. however, we have since received a letter from resolvecall saying they have been instructed by lantern to arrange a personal visit.

 

today, i have come home from work to find a card on the doormat saying that they have visited and want to speak to my wife immediately

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Ignore resolvecall. Completely.

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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As post 2

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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