Hi all I wanna join this thread too! I'm on letter number three, i'm pretty certain I didnt buy a ticket, the car was on site for under 15 minutes, i'm not sure who the driver was that day! One question: is it reasonable to assume if I went into a carpark, spent 5/10/15 mins appraising myself of the T&C's, decided I didnt like the T&C's and left, then 'have I' or 'have I not' agreed to the terms? Is it a valid argument in court? Also, i'm pretty sure I didnt agree to anyone taking pictures of my car and looking me up on the DVLC (unless its the cops of course!). can I counter sue for anything? Cheers FTD

any update on this thread?

Hi all - Is it generally the case that banks wont start court action for OD's or is it just this case? Bradfordlad, were/are you paying an agreed sum off the OD each month? Cheers FTD

I, like many others here was hoping for a win by Pt, but I have to say, and it may be reflected retrospectively in my (few) posts, that PB's arguments stopped me from jumping in headfirst, simply because I was open to both sides of the argument! The way I see it, a lot of people have jumped on the bandwagon and call PB rude etc, but they themselves are overly rude about it - Just an observation from a neutral party! FTD

So because you either dont like, or dont agree with someones arguements, they're a mole? how do we know you're not a mole trying to squash sound advice? Maybe we should all go round to Peters house, pitch forks and torches in hand, and burn it down so nothing like this will ever happen again!

I'd be of the opinion that any outstanding monies would need to be repaid - not including any charges/interest though & there would possibly need to be a reduction for recompense to the repudiation of contract (or is this wishful thinking?). FDT

To me, it looks like playing the 'account in dispute' ping pong game with them and whichever DCA they pass the account onto and take it from there! As far as I can make out, them taking us to court seems better to defend rather than trying to claim back charges, I could be completely wrong but this is how it looks to me, looks like i'll be doing this shortly too. Unless an arrangement is made then the credit files going to start getting trashed by them (if not already) - if it goes to court there's a couple of avenues open to defend - am I right (anyone)? If we've already disputed charges with the bank without starting court action then that in itself puts the account in dispute. FTD

Am I right in thinking if you have an overdraft and disputed charges and the bank decides to call in the overdraft, then DONT pursue reclaiming the charges in court - what you want is the bank/DCA to take you to court for the full amount then rely on the burden of proof (assuming no arrangement is reached)? cheers FTD

And if PT loses the case, and for the reasons pointed out by PB, what then? FTD

I'd certainly report it to the other adressee's - may give them more amunition?

Would I be right in thinking, At worst, any outstanding debt still exisits, but Egg no longer has the right to charge interest on this balance? FTD

Is this a direct admission that even though the account is in dispute but they are continuing collections? FTD

Change banks immediately and have your wages paid into the new bank - Don't ask for an overdraft! - it'll give you a new perspective, it wont stop the current bank charging you, but at least you wont have to pay out the charges for the time being! FTD

I presume they would 'offset' from any account in the Lloyds group if the need arised

I'm firing this off to them as part of my strategy: Dear Sir Thank you for your reply dated May 2009, however this reply has left me with no further doubts as to the state of the account as in your reply you state: “We took the decision to end your agreement on the 16th December 2008” I can only conclude from this statement that the agreement has ended! In my April correspondence I stated that in light of no valid agreement existing between us then any sharing, use or processing of my personal details must cease. You have kindly sent to me what you confirm is a true copy of my regulated credit agreement. Nowhere within this 2 paged signature document can I find any mention of agreeing for you to share or process my information with third parties or credit reference agencies etc. You also kindly sent what you say is a copy of my terms and conditions applicable to the account, I’ll draw your attention again to Point 16 of these Terms & Conditions as you seemed to overlook this fact in your last letter: 16 ‘Use and disclosure of personal information’, point 16.2 clearly states as a single fact ‘With your consent’. Quite clearly I have withdrawn my consent, and I further note that nowhere in section 16 of the T&C’s does it state that you retain the rights to use and disclose my personal information whilst the agreement is in force. I will rely on these documents in court should the need arise! Therefore, whether you believe a valid agreement exists between us or not, should you continue to use/process/disclose any information relating to me, then the cost to yourselves is £5000 for the first instance and £1000 for each further instance, payable to myself by cheque, commencing immediately! These are the terms, if you continue sharing/processing/disclosing my information then that will be taken as you having accepted these terms. FTD