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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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RBS Mint Mrs P V MINT


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Hi,

could anyone tell me what % people are claiming against MINT. I have found rates from 8% to 33% and I don't want to get it wrong.

I am going to charge them as per their unauthorised borrowing rate as most of my charges are for going overlimit not being late with a payment.

Many thanks.

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Your charged interest rate will be on your statements. Don't guess, because they will strike out your claim. I am presuming you have not received your statements yet. Your S.A.R - (Subject Access Request) request was late April. GOOD LUCK.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Have other claims been struck out because rate was wrong?

I've seen no evidence of this.

I've charged them at their cash advance rate as thats what they 've charged me for all the amounts on the card.

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  • 3 weeks later...

SAR complied with.

Prelim sent for 280.00.

Offer recieved of 59.36 as F & F settlement, turned down F&F bit.

LBA on its way 21/06/07

Another letter today 27/06/07 with same offer.

Shall I move to the next stage or wait the 14 days from LBA?

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Wait the 14 days. You have to show you have been reasonable. They won't take your claim to much further, because the amount involved makes it uneconomical for them to continue to far. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Customer Contact Centre CUSTOMER SERVICE

PO Box 6050 Southend-on-Sea SS99 1WL

OurRef: LS/BL/RBS

General Enquiries: 0870 410 0870

27 June 2007

Account Number: XXXXXXXXXXXXXXXX

Dear Mrs XXXXXXXX

Thank you for your letter dated 21 June 2007, in response to my letter dated 14 June 2007.

I note your comments, however I would like to reiterate that my letter dated 14 June is the banks final response and therefore we are unable to enter in to any further correspondence regarding this matter.

Yours sincerely

 

Sarah Appleford Team Manager Customer Care Team

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same letter i got as well

Abbey - Claiming £4,044.82:lol: offered £4,170 - accepted:) :) :) :)

 

Mint - Claiming £769.71:lol: offered £217 - declined

 

NatWest - Claiming £272

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Me too via MCOL. According to the MCOL website it has been accepted and has been issued against RBoS so it will be interesting to see what happens over the next 14 days. BTW which RBoS address did you use on the claim?

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I used the English Head Office at 1 Princes Street in London so it will be interesting to see if one address is quicker or more effective than other. The main reason being that it is close to where I work so it would be quite satisfying to see the bailiffs go in but I doubt that it will come to that!

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  • 4 weeks later...

I got no further response from MINT/RBoS until I put in the MCOL claim. Their initial response was to respond by saying that they would defend the claim. After a couple of weeks though they wrote to say that it was uneconomic to defend a small claim (mine was £240) and so they paid in full (claim, interest at 16.9%, refund of Court fee) and included a cheque.

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  • 4 months later...

At the end of Sept I wrote to Mint asking them to hold action on the account for at least 28 days due to a sudden but temporary drop in income. I received nothing from them, but today received this month's bill with all oustanding amounts added on, totalling £438.

There is no way I can afford to pay this amount. I can afford to pay this month's bill, but how do I negotiate to repay the arrears and all the interest added on in installments?

Thanks!

Mrs P

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Pay what you can afford to pay.... and write a rec. delivery letter asking for them to suspend the interest for a 3 month period until you can get yourself straight.

 

Is this a defaulted account or do you still use the card ? Need a bit more info.

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Even if you have defaulted, as far as I am aware, as long as you have made reasonable proposals for getting yourself straight, then they cannot issue court proceeding etc.

 

Perhaps it may be prudent to draw up a schedule of income and expenditure, and send it to them Special Delivery, with your proposals and that should be that. Stick the the arrangement.

 

Have a look at CCCS - Free Debt Advice from the UK's Leading Debt Charity where you can find out about Priority Debts (Mortgage / Rent / Council Tax / Utilities etc) and follow their process. Try CCCS - Preparing a Personal Budget

 

Check out OFT guidelines as well and perhaps quote a few of them to them.

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  • 4 months later...
  • 9 months later...

Could someone please check if this CCA is enforceable - thanks!

 

 

cca2mintenlarged.jpg

 

 

cca2frommint.jpg

 

 

ccamintenlarged110209-1.jpg

 

 

There are a few differences between image 1 and images 2 & 3, ie credit limit, APR, default charges etc

 

 

I received letter from Triton Credit Services today, rang them and my payment has been cashed. I asked to change the repayment date (to suit wages) and was told it had now been passed to Solicitors. I have not missed payments, some may have been a little late, and as far as I was concerned, my arrangement to pay an agreed amount was still running.

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Did you take the RBS Advanta account out online, Phatram? I had an RBS Advanta card (similar age to yours) and applied via a mailshot - I have never seen anything like the document they have sent you. Do you remember signing it?

 

Royal Bank of Sotland boast about recreating lost documents; look at anything they send you very closely!

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