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    • My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA.  I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPCM to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and it is unfair to misguide motorists. I await your  response which I understand will usually be within a week.
    • It probably deletes after a certain time. What a shame you did not check at the time. However I have no doubt that there was a PCN envelope under your windscreen wiper  as shown quite clearly on one of the photographs. . It would seem strange that it was placed there empty hence the reason I stated a second Notice was issued [though not necessarily sent. As I said in that letter to IPC that was not what the complaint was about and probably  IPC will ask about that at the same time if they accept you  going direct to IPC for the other matter. It is immaterial how many original PCNs were issued or not issued. You are able to show the two that you have from their sar one of which coincides with the one you received in the post and that is the one that does not agree with the date times of PoFA. Thus breaching not only the Act, but also the IPC  Code of Conduct and the ability of UKPCM to obtain data from the DVLA. So leave that part of the letter as good to go. However as it is as Dave [Thank you Dave!} pointed out that it is UKPCM and not UKPCI have amended the letter and posted it below.
    • Its based on 10% annual depreciation, divided by 52 weeks and then x the excess number of weeks that they have had the vehicle for, after the agreed initial 3 week repair.
    • LOL LOL LOL Don't need that many to deport a handful of volunteers - at best Home Office department processing Rwanda deportations told to cut jobs Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show Cant have hundreds of well paid people in a department deporting a single volunteer when we have an upcoming election to lose now can we - VIPal drenched in riches and departments full of pals well paid for doing nowt will 'sadly soon be history - was rumored to in a text from a soon to be ex-minister texting in from one of his main jobs in a number of industries he will soon be unable to help.   Home Office department processing Rwanda deportations told to cut jobs | Immigration and asylum | The Guardian WWW.THEGUARDIAN.COM Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show  
    • try it.... use recuva or file scavenger or glary utils
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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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