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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Mum and TSB


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Hi Lisa,

 

I`ve had one of those letters too, their next move was to pass it to someone else. You know, the usual stuff.

 

Send them another copy of the dispute letter, and stick to your guns, with both barrels pointing up their arses.

 

I would also stop paying the £1 a month. Clearly their are ignoring everything you send, so why should you give them anything at all. Stop being nice, and letter them fester in their own stench.

 

Only Friday I received ANOTHER letter from ANOTHER bunch of bell ends, this time at MIL Collections, although I haven`t updated my Lloys TSB thread yet. Has anyone had any dealings with these planks yet?

 

Regards

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi

 

Just thought i would let u know got a letter from debt managers regarding lloyds tsb account just take not the mistake they made in the letter.

 

Client: lloyds tsb

 

Dear sir/madam THEY DONT KNOW WHETHER FEMALE OR MALE

 

As a result or your communication we write to advise we have closed our file and returned it to Barclays Plc. I THOUGHT IT WAS LLOYDS TSB.

 

We can confirm no further action will be taken by debt managers Ltd in relation to this account.

 

Yours Faithfully

**********

 

But i have already heard from LLoyds tsb just looking for a account in dispute letter to send back to lloyds tsb or should i sit back and wait whats next cos they will already know account is in dispute

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S o the bank has now become barclays.

 

Wondering when i will recieve my now card?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 months later...

Hi all

we have an update regarding mums lloyds tsb cc account from credit security limited.

 

Dear mrs *********

 

We have been instructed by our clients to recover the above overdue debt.

 

We demand that the sum stated be sent direct to this office immediately using the paymnet slip below.

 

Your failure to comply could result in a debt collector calling upon you for payment or a county court judgement being registered against you

 

Yours sincerely

*******

 

Another think they keep on phoning mum aswell

 

PLEASE HELP!!!!!!!!

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Hi Lisa,

 

Well, we did tell you their next move would be to pass it to some other clowns.

 

Simply send these muppets the `Account In Dispute` letter you used for Debt Managers.

 

It seems Debt Managers couldn`t do anything with a disputed account, so sent it back to Lloyds, who unfortunately have passed it on again.

 

Resend your letter and see who comes next.

 

Ciao for now.

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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By the way, do you have a `Telephone Harrassment Letter`?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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this is the trespasses will be shot notice. You may want to add it in some way to your letter.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

This basically means unless you have an appointment please leave or l will call the police.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 4 months later...

Hi all

Well its been really quite with everyone. But after nearly 4 months mum received a letter from iQor recovery services ltd.

 

DOORSTEP COLLECTION NOTICE

 

Your debt owed to LLoyds Tsb Bank PLC has now been place with iQor recovery services ltd for immediate collection and settlemnet.

 

We intend to arrange for a debt collector to visit your home to agree with you how you will settle this long overdue debt. You may also respond to this letter and make specific repayments proposals that are acceptable to iQor recovery services ltd.

 

Alternatively we may well be able to offer you a substantial reduction on your outstanding blalance. This offer is, however, only open to you for 72 hours from receipt of this letter. ( which was sent on the 9-09-2009)

 

Should your financial circumstances prevent total settlement of the account your offer of realistic monthly or weekly repayments will receive our careful consideration.

 

Your faithfully

Simon XXXXXXXXX

 

 

I have sent a letter today stating the account is in dispute under the My request under the consumer credit act 1974

 

HOpe i have done the correct thing and as for everything else touch wood we have not heard owt else.

 

see ya Lisa

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I would also send them the tresspasses will be shot letter.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

Hi OK

 

Well Got a letter from iQor recovery to say the have checked with TSB and the debt is enforcable there for they have give mum 2 weeks to pay or a suitable repayment plan. Should I just write and offer £1.00 a month as will not be able to pay anymore in any case.

Thanks

Lisa

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Hi Lisa,

 

Hah hah, another load of bull!

 

It`s not for Lloyds or iQor to say if this agreement is enforecable. Only a judge can rule that.

 

Keep sending rhe clowns your account in dispute letter. Don`t offer them anything, that will be admitting the debt.

 

Have you noticed how they keep passing this nonsense around? Don`t give up, stick to your arguement.

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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