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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Natwest S.A.R.


xxorlsxx
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as a new victim of capquest i would love some advice on dealing with these horrible individuals. firstly can anyone tell me what a "prove it" letter

is and where i can see one?

I am in the process of writing to these leeches and have heard that they are required by law to send you all the details of the debt plus charges and a "notice of assignment" letter, is this correct?

is it also true that if they cant or wont supply these details they have no legal right to pursue any debt from you?

lastly, is it worth contacting the bank to who i owe the money to to find out if i can make a deal?

the bank could not notify me that they passed the debt on as i had

"done a runner" any ideas?

p.s i think this site is really helpful and its great to know that there are people out there willing to take time out to help eachother.....rock on.

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This will be the one your after for starters:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

What you are refering to is a CCA request which has legal timelimits.

 

More background on this issue would be useful.

Be VERY careful whose advice you listen too

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thanks for the help ive already recieved from everyone. my debt has supposedly been passed on to capquest by nat west, ive admitted the debt but only over the phone, is it true that in order to collect this debt they have to by law send me the original debt details and the notice of assignment?

would it be worth contacting nat west to see if i can deal with them instead of capquest?

any advice would be great.

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Thread Moved

 

Have a read here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html

 

I would get the CCA done ASAP. Then ask for all of your statements and claim back all of the charges they have applied to the account.

 

Have a look at the info / guide here:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=3

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Yes, you can still claim the charges back. Have a look here for the S.A.R. (Subject Access Request) letter:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

How long ago was the account closed?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

hi everyone,

am getting some great advice from you guys hopefully this will continue....wrote to crapquest in nov (07) for the cca and they replied back with the old your account is on hold for 28 days etc, just got a letter from them 23 dec about the same account saying that they have just sent for my details from nat west but it looks like they have added £20 on top of the debt. the one month deadline from the date of my original letter is just about up so they cant have the cca and are trying a fast one. When the one month is up should i write to them stating that they have commited a criminal act and what about this £20 quid the EDIT have added on?

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Bear in mind that the CCA deadlines are;

12+2 working days

then a further calender MONTH.

 

Now until they comply with your request there is NOTHING to say to them.

They may threaten all sorts, including a dubious latter from HL Legal concern court action, but without the CCA they are stuffed.

 

Once the time limits have expired AND they continue to demand payment, then a report to Trading Standards would be in order as they are chasing an unsubstantiated debt.

Be VERY careful whose advice you listen too

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cheers curlyben, what about the fact that they are trying for another 28 days after their original 28 day period is up and they have put £20 on top? When the oiginal is up (which is about a week from now) they have commited a criminal act is that right? cheers xxorlsxx.

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  • 2 weeks later...

Hi all,

ive been waiting for capquest to send me the cca and its now over the 42 days limit, should i write to the and say that they have now acted illegally and report them to the relevent authorities? If so wich part of the consumer credit act have they broken?

Any advise would be great, cheers xxorlsxx.

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bump

 

Can someone tell me what 'bump' means? I've seen it a lot on different threads but can't work it out

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Thread moved for more assistance.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi all,

Im getting some great advice from you all thanks! Anyway, Capquest have gone past the 42 days allowed to send me the cca so im wondering if i should write to them and tell them that i will be making a complaint to the relevant authorities if they demand further payment without the cca?

Any ideas? cheers, xxorlsxx.

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