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    • 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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    • 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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Bit of guidance re: cca


louise1111
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Hello!

just a bit of advice needed.

I requested a CCA from metropolitan collection services re HSBC cc. They sent me a letter stating that they could not provide one. It was then passed over to Central Debt Recovering so i CCA'd them also. They took the £1 fee off of my balance but today i received a reply. In short, they say:-

1. they cannot provide a CCA

2. there is sufficient evidence of my entry into an agreement with the bank

3. i have been informed that the account was closed and passed for debt collection

4. as there is no longer a live agreement in place under which the bank can be seen as a creditor then the sections 77 and 78 of the CCA act do not apply

5. as CDR is an inhouse collections dept, the debt has not been purchased and there is no deed of assignment

 

i just wanted you kind people's advice on the next step i should take.

many thanks

[sIGPIC][/sIGPIC]

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They do need to provide you with a signed agreement, when did you send the CCA request. They have 12 working days to provide it, and a further 30 days they have committed a summary offence at which time you can report them to TS. You can also stop paying them after the 12 working days as they are in default.

 

They obviously haven't got an agreement and are trying it on.

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Hi totally agree with surprise they are trying it on, the company I worked for before I retired used to keep any agreement/contract for a minimum of six years after end of agreement/contract. When I asked why (I was responsible for backup and storage of this data) I was told it is required by income tax and in case of litigation.

 

dpick

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Remember no CCA = No Enforceable Debt.

 

Sounds like you are being misled here.

 

Throw this at them:

 

Account In Dispute

Letter Before Action

 

Dear Sir/Madam,

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As **DCA** have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

It is also my belief that your continued pursuance of this matter also constitutes an

offence under Section 40 of the Administration of Justice Act 1970.

 

Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours Faithfully

Be VERY careful whose advice you listen too

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My husband had the same response Louise.

Metropolitan don't have a CCA, debt sent back to HSBC.

Just had a letter claiming that as they are HSBC, they are under no obligation to supply a CCA.

 

I'm sending CB's letter on his behalf today!

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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morning all!

 

im brand new to this and need some relevant advice please??

a debt collection agency are trying to claim a debt from 2003.

i have a copy of my credit report saying balance satisfied in 2003 by the company i had the loan with.

the debt collection agency are saying it says that because they bought the debt from the original company,even though i have never heared from them for almost 5 years!!

how do i approach this one?

 

thanks to anyone who can hep me

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  • 3 weeks later...

just an update.

 

sent curlyben's letter and received reply today.

 

it basically says:

 

according to the cca act they have to supply a copy BUT need not be a photocopy of the signed agreement. So they have sent me a blank one!

they have also sent an up to date copy of the terms and conditions

 

any ideas on what to do next

thanks

[sIGPIC][/sIGPIC]

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just an update.

 

sent curlyben's letter and received reply today.

 

it basically says:

 

according to the cca act they have to supply a copy BUT need not be a photocopy of the signed agreement. So they have sent me a blank one!

they have also sent an up to date copy of the terms and conditions

 

any ideas on what to do next

thanks

 

 

I think that what they have sent you is not correct. I believe they have to send you a copy of the T&cs that were in force at the time you alledgedly took out the agreement and a blank copy could be for anyone couldnt it?. Someone with more experience will be along soon. :)

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although some companies interpret sending a blank copy of the agreement and the latest T&C as fulfilling their obligations under CCA

this proves nothing

 

they do not prove that you entered into an agreement

they do not prove that they have a right to collect on the debt

 

and most importantly,

 

they do not prove any liability to the debt on your part.

 

If that's what they are going to produce at court, invite them to do so, if they have the signed CCA, why are they mucking about with blank copies??

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