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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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Capital One Debt /Lowell/ Red debt collection services


247orbital
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Hi everyone this is my first post and it seems after reading through the other threads its best to start my own thread regarding my current situation.

 

I have today received a letter from Red debt collection regarding a Capitol One Debt for £1500, my original balance on the card was £750.

 

I have not spoken to Capital One, Lowell or Red Regarding this debt.

 

I can not remember how long ago this debt goes back but I thnk it is at least 4 years since I had any contact with Capital One.

 

Todays letter is a "Statutory Demand Processing Unit"

 

Please could anyone advise which steps I need to take in order to resolve this matter and have the debt removed.

 

I also have another case with Red regarding an O2 account I had, which I will start another thread in order to hopefully have some help with.

 

Direction and help would be most appreciated.

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Hi, 247orbital.

 

Do you know if you have any charges to re-claim from the Cap 1 card ?

I would send Cap 1 a SAR see if there are charges you can claim back, putting the account into Dispute.

 

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

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi,

 

"if the creditor has been in regular contact we feel it is fair to collect" (from guidelines of statue barred debt)

 

Regular contact means two way contact not them sending you the odd letter or you sending them one.

 

You only reset the clock on statute barred debts by acknowledging a debt. A S.A.R - (Subject Access Request) does not acknowledge a debt in any way. Acknowledgement is only by making part payment on the account or making an offer of payment towards the account.

 

 

Regards.

 

Scott.

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Send Lowells/Red/Hamptons a CCA request. That way for a quid you will get a copy of your CCA agreement which may or may not be enforcable. They are also obliged as part of this request to send you an up to date statement of the account.

 

Do not sign the request and send a postal order rather than a cheque. This effectively puts the alleged debt in disput until Lowells come up with a properly executed CCA Agreement

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Hi,

 

Send letter N from this link...........

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

I'll see if I can get some guidance on the SAR request.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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...Do not sign the request and send a postal order rather than a cheque...
I agree, however U can't get to see whether your PO has been cashed or not...:(

Personally, I got someone NOT financially connected to me, to give me a cheque made out to the DCA.

 

That way I got to know whether the DCA had cashed 'MY' cheque (...proving receipt of MY £1 CCA 1974 Request...btw), yet denying the DCA a copy of MY signature, which some DCA's have been known to forge onto a Credit Agreement...:wink:

 

 

 

 

 

is this the request that has to be returned in 12 working days or the debt becomes unenforcable ?...
After 12 working days from the date of receipt the DCA would be in DEFAULT if a True Copy of the Original Agreement (...as per the CCA 1974) isn't forthcoming.

This legally allows ANY repayments of an 'alleged' Debt to be suspended.

 

One Calendar Month from this NEW date, if the DCA STILL hasn't supplied it, the 'alleged' Debt becomes UNENFORCEABLE + the DCA comits an Offence, which is liable to a Level 4 Fine.

 

 

 

 

 

...should I still send a S.A.R. to Capital One?

 

Personally I wouldnt waste £10 on the Leeds Losers or CAPONE. I would wait to see what the Leeds Losers come up with in regard to your CCA request
I agree with ODC.

For now, the main thing is to put the brakes on the DCA's ability to 'chase' for the 'alleged' Debt to be repaid.

 

 

I would go slightly further though + advise U to double check your Credit Report at the various Credit Reference Agencies.

This will help U see if the DCA has been regularly processing data connected to your 'alleged' Debt.

 

Here are links to them...

Experian

Equifax

Callcredit

 

A tip for U...

Experian is the major player here, it also currently offers a FREE TRIAL for a month.

There is nothing to stop U signing up, having a look/printing out your CR + then cancelling before the Trial Period ends, therefore it costing U nothing...:wink:

 

...:)

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One slight snag with contacting a CRA is as many members here have discovered is that it seems to open the floodgates to a whole range of new DCAs chasing debts which you know nothing about, It also seems to increase the junk mail you receive from companies offering loans and other credit.

 

The fact that the CRAs are having incestuous relationships with the DCAs may be an explanation.

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  • 2 years later...

Hi

The address I used (and got a reply from) was

Capital One Bank (Europe) Plc

PO Box 5283

Nottingham

NG2 3YG

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Rebels is better as it isn't a PO box

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 3 weeks later...

Just had some contact from Buchanan Clark & Wells on behalf of Lowells regarding an old Capitol One (alleged debt)

 

They have offered the best part of £1000 discount on the current balance. Most of which it seems are charges. I will SAR Capital One just to see what the exact balance was at the time of default.

 

This (alleged) debt is due to drop of my credit files around June time this year.

 

I'm sure this is SB as its so close to it dropping off my CF.

 

Please don't confuse this with my brothers post regarding Bryan Carter/Lowells.

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  • 1 month later...

Recently applied for a SAR from Capital One, sent the standard SAR letter, along with a copy of a recent bank statement and a copy of a driving license which has a signature. I also supplied security questions such as DOB, mother maiden name etc as the account is very old and no longer have the relevant account number.

 

Received a reply back today stating they had located my account but they cannot process my request as my letter was not signed. I'm under the impression that there is nothing under the act that requires me to sign the letter or anything that specify a signature is required in order to process a SAR.

 

Any help will be much appreciated.

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As I understand it, you do need to sign a SAR request, but it's not advisable to sign a CCA request as it can be lifted to forge a CCA. You can always put crosses through the signature so that it can't be lifted.

 

Why did you send a SAR request?

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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PPI and charges. Account has been closed for some time and Lowells were chasing but its long past it SB date now. I provided a signature on the driving license I sent a copy of, its the old style not the new credit card type.

 

I'll send them a signature on a anti-tamper strip.

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Hi

 

If it's to reclaim charges, there isn't any risk in sending your signature, but I think that it does need to be on the request for a SAR.

 

I'm in the early stages of the process to reclaim charges from Cap 1 myself. I have read quite a lot about it on here and it would appear that they do cough up quite nicely, but normally only once court papers are issued.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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You don't need to sign a SAR.

 

You don't need to sign anything.

 

Putting crosses through your signature is pointless, I can remove them in minutes.

 

The ONLY reason why it is advisable NOT to sign letters, documents is because there is NO LEGAL requirement to do so, you can sign off by placing an X if you so wish.

 

If this account is already SB, then I strongly doubt, although I could be wrong, that they will entertain your request, besides, anything they do owe you will go back into their coffers against the SB debt you had.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I do have an ICO document that states quite clearly why signatures are not required, but every time I try and load it up it freezes.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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