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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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bank of scotland


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I have many threads on this board, Capital One who have sold the account to Lowells, Mint Card account being collected by AIC, Egg Card who since CCA request to Arc Europe have heard nothing. American Express being collected by Credit Solutions and Brachers solicitors. None of these have come up with an executed agreement which has the correct terms and conditions.

 

But after sending the request to EOS for a Bank Of Scotland account they have sent me an agreement which looks like it may be the real deal. I will post the agreement on here tommorow for the experts on here to look at. But it looks pretty goodto me. The only thing is when I sent the request i clearly added at the bottom of te page please send to the address at the top of the letter. They still sent this to my old address and continue to hound me at work, which I refuse to speak to them. If they just read my last letter they could see my address. So I have refused to respond to them unil they send me a letter to my address.

It's quite scary to think that these debt collection agencies pay tracing companies to find people, when if they only read correspondence they could have found me a lot easier.

 

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well the perscribed terms are on the agreement.

 

Like Belaflat says did you ge the T&C with the agreement

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No

 

If they have not supplied the Original T&C with the agreement thay are still in default

 

HAK

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Thanks for clarifying this point hak.

I will now send them a letter asking for them to send me the original terms and conditions. But this will not need my signature on them will it? So they can send me these rather easily. So i think its time to negotiate a payment deal. Thanks again hak.

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No dont arrange nothing yet.

 

Send this for now

 

V

Thank you for your letter dated xxxxxxxx.

I must inform you that you have yet to present all the information required.

The sections pacifically states that all documents mentioned must be presented. The original terms and conditions which form an integrated part of the agreement are missing.

I must remind you that until this information is made available the agreement is still in default and any action taken by you to enforce it will be in breach of section 78 and will be reported to the appropriate authorities.

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  • 2 weeks later...

I have just had a call from a very unhappy ex-landlord who has had bailiffs knock on his door his morning. I have now sent EOS a letter saying they never replied to my CCA. But if they have sent this to my previous address can they now send this to my new address, which I had provided with them and they had chose to ignore.

 

I'm hoping they were field agents and not actual bailiffs.

What happens if they have applied for a CCJ at my old address and as I have not been able to acknowledge it they have managed to get one by default.

Very worried now!!

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Blue

 

have you checked your credit file recently? You could then identify any new CCJ. If there is one at your old address,especially if it is after you told the DCA of your new address,you could try to have the judgement set aside on the grounds that you weere not served but the creditor did know your new address.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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thanks Docman, I will do this.

They have been trying to call me at work but I have refused to answer them.

They would have had to have done this since christmas, so is it possible they would have got judgement that quick?

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I have just done my credit report with Experian.

What is strange is it shows my current bank, phone contract. Old phone contract, old bank which was with only 2 months.

Which shows all looks good and payments up to date.

However my bank account I had for 13 years which went in default in 2004 for £1100 is not shown. Is this because it is in dispute and I have put in a claim for bank charges exceeding defaulted amount owed, which has been stayed?

 

Also I have defaulted on 4 credit cards which are being chased by DCA's. One of which has been sold. However only 1 account default is shown on my report. This is for Mint who I am disputing the CCA they have sent.

 

Why are the others not there?

 

This bank of scotland loan is shown at bottom of report, but does not say anything about condition of account - eg (1) (month late) or (8) defaulted, which is what it should say.

 

It also says that there are no records of ccj's against me.

 

So not sure if I can trust this information as most of my defaults are not shown.

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I bumped into my ex landlord down town. He has told me he has just been denied a loan and believes this is due to the fact that i have defaults at his address. Surely the address does not matter, only the person who the debt is with.

Also he has told me the debt is for less than £1000 and he has had a letter from bryan carter solicitors case of phoenix recoveries. So this is not my bank of scotland loan. I think its for my tsb bank account, which is totally made of unlawful charges. Which has been stayed in court. Also all letters to tsb concerning this court action has been done from my new address and also the last contact concerning this debt was at my new address too from buchanan clark and wells.

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