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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Horwich farrelly / Robinson Way


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:) Letter sent of to them with this added :rolleyes: ( which was received by you on 20/8/08. ) As I have proof of delivery.

Also I underlined and made bold this line

I look forward to hearing from you in writing.

Edited by dogtrainer

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Consumer Credit (Prescribed Periods for Giving Information) Regulations

1983 (SI 1983/1569)

2 Prescribed period

The period of 12 working days is hereby prescribed for the purposes of each provision of the Act specified in Column 1

of the Schedule to these Regulations relating to the duty indicated in Column 2 in relation to regulated agreements

 

 

SCHEDULE

SECTIONS OF THE ACT IN RESPECT OF WHICH A PERIOD OF 12 WORKING DAYS IS PRESCRIBED RELATING TO DUTIES IN

RELATION TO REGULATED AGREEMENTS

Regulation 2

Section of the

Act

Duty

(1) (2)

77(1) Duty to give information to debtor under fixed-sum credit agreement.

78(1) Duty to give information to debtor under running-account credit agreement.

79(1) Duty to give information to hirer under consumer hire agreement.

and section 78 for running credit

 

 

78.

Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

 

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)©, he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

 

(3) Subsection (1) does not apply to—

(a)

an agreement under which no sum is, or will or may become, payable by the debtor, or

 

(b)

a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

 

 

(4) Where running-account credit is provided under a regulated agreement, the creditor shall give the debtor statements in the prescribed form, and with the prescribed contents—

(a)

showing according to the information to which it is practicable for him to refer, the state of the account at regular intervals of not more than twelve months, and

 

(b)

where the agreement provides, in relation to specified periods, for the making of payments by the debtor, or the charging against him of interest or any other sum, showing according to the information to which it is practicable for him to refer the state of the account at the end of each of those periods during which there is any movement in the account.

 

 

(5) A statement under subsection (4) shall be given within the prescribed period after the end of the period to which the statement relates.

 

(6) 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 keep us posted as/when and if you hear back !!

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No sign of delivery of the letter I sent on Thursday

 

But this came today how can they ask for this when they have not provided any proof that they own the account..

 

 

 

 

Robinson, Way & Company Limited

Registered Office: 201 Deansgate, Manchester. M3 3NW.

London Scottish House

Quays Reach

Carolina Way

Salford. M502ZY

Tel: 08706091521

Fax: 0161-743-9409

Registered In England No. 885896

Robinson, Way

& Company Limited

MR D

 

 

Date 20/09/08

Dear MR D

Reference No.

Due to ROBINSON WAY (EX CAPITAL ONE)

Amount Due £3,344.54

Account No.

NameD

We are today offering you a significant reduction to settle your account.

 

Pay just £1,672.27 of your outstanding balance and your account will be

marked settled in our files, and your credit file updated accordingly.

 

You could even spread this over 3 years, still taking advantage of 3 months

payment holiday in 3 month's of your choice.

 

To take advantage of this BRILLIANT offer, CALL US NOW on our FREEPHONE

NUMBER: 0800 028 7717. This offer is only valid for the next 30 days.

 

If settling your account is currently not within your means, you must still

contact us to agree an affordable payment plan. Your personal circumstances

will be taken into account - but please call us without delay on our

FREE PHONE NUMBER: 0800 028 7717.

Yours faithfully

co~ns Manager

PL/B/N/36

Edited by dogtrainer

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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i have had a very similar letter cutting my amount due from £354 to £88 i did call them and at first they said some letters were sent out in eror but after i argued the point he put me on hold and said ok thats fine can you make a payment, when pushed to tell me if this was for full and final settlement of the account he said it was but he seemed almost uncertain so i don't know if this is some [problem] by them to get people to contact them, i did post this today and had a couple of replies to the effect of don't pay

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Hi,

 

I've had several offers of a large reduction of the alleged balance from numerous DCAs and original creditors. Funny how they weren't so helpful before receiving my CCA requests and how none of them has yet produced a CCA over a year later! I think you can safely say that Robinson Way will not come up with an enforceable Credit Agreement (though you might get a copy of your application form).

 

Another thing to be careful of is the wording of the RW offer. Just because they mark their files as settled does not necessarilly mean that the original creditor will see it that way and could pass the remainder of the balance on to a new DCA. They mention ammending your credit file accordingly but do not specifically say it will be marked as settled.

 

Just my point of view, and it might seem a bit paranoid, but I have learned to read any DCA communication very carefully!

Note: Their threats of further action always contain a lot of 'may's!!!

 

Good luck,

 

Pookey

Edited by pookeymonkey

I'm in the DCA kicking business ..........and business is good!!!!

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These daft offers are a death rattle! They know they're stuffed so are after anything they can get!

and pookeymonkey is right. The F&F is probably foney. Leave it be. The onus is on them to send CCA. The account is in dispute.

 

Its their problem, you have sent the request and that's what matters.

 

I've never had a CCA back from RW/HF, I've had that standard HF letter twice. Often you seem to reenter the cycle and the letters just start over.

 

Rob

Edited by RobMitch
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Hi all this came today

Capone0001.jpg

 

 

Capone0002copy.jpg

 

cap0ne20001.jpg

Is this enforceable .

also came with what looks like a freshly printed set of Terms and Conditions which are printed on 8 sheets of A4 paper

Edited by dogtrainer
Added a close up & added text after T&C

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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I am simply a novice.......but form my point of view.....that is an excellent spot!!!!!!! It proves beyond any reasonable doubt that what they have sent you is complete B*(^$&$hit!!!!!!!!!!!!!!

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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Well spotted dogtrainer. Just proves that Capital One are trying it on. I you have look at a few other Cap 1 threads you will see just what they attempt to pass off as "agreements" :)

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Is there anything I should do about this?

:):p

As when I looked closer at what they call the credit card agreement above in post (34) it state's if my application is accepted.

Then goes on to say by signing this application:rolleyes:

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hi DT

 

A very nice agreement! (NOT)

 

Regarding your well-spotted discrepancy between the ATM withdrawal charges, I don't think that will do much more than prove that the 8 pages of T&Cs are newish rather than not being the ones in force at the time you allegedly signed the 'agreement'.

 

But regarding the application / agreement posted I've typed some comments below.

 

Hi all this came today

 

 

 

Capone0002copy.jpg

 

Further to ODCs comments about this being useless, I imagine for the obvious reasons of no prescribed terms being present and no reference on the signature page to these terms being found elswhere in the 'agreement' ;).

 

Notwithstanding the lack of a statement referring to 'see overleaf', it would appear that the other page supplied has no prospect of being argued as being the reverse of the signature document because at the last paragraph on the signature page it says "blah - blah - use of information overleaf (section 23 of the agreement) ......", BUT looking at the other page, THERE IS NO SECTION 23! :)

Also, the only place I can see CrapOnes address is in the small print of the same last paragraph :???:

 

cap0ne20001.jpg

Is this enforceable .

also came with what looks like a freshly printed set of Terms and Conditions which are printed on 8 sheets of A4 paper

 

Cheers

Rob

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Hi Rob thanks for the comments

I have just looked at the top of Credit agrreement back page and found this.

cap0neHeading.jpg

Which means the Credit agrreement as you said is not the back page of the Agreement.

What do I do .

Do write to them and tell them to go and see a :)Taxidermist on their own behalf :) or wait and see what they do next.

Edited by dogtrainer

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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  • 4 weeks later...

Hi all just a update RW have been very quiet since I received their so called creditagreement .

That was until today when I got a phone call from a very gruff sounding voice asking me to contact a Mr Phillips which is very unusual for them as their calls a normally silent.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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  • 2 weeks later...

IMO, like Rob's, the agreement is no good. It is their style to continue to send letters on a periodic basis. Ultimately its only if they initiate court action that you should act. At tht point there are any numbers of defenses in the legal Issues section of this forum to help you, or ask for help over their.

 

I'm in a not dissimilar situation, but they have continued to press, threaten and demand with no CCA sent after 4 months now. This is just rhetoric on their behalf but I have taken the precaution of preparing a defense based on similar cases in the legal successes section here, so I can take control if they chance their arm.

 

You might consider a similar action on your part - its quite liberating to know that I have it printed out and ready and makes me feel stronger when the pointless demands keep flowing through the post.

 

Good Luck

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  • 1 month later...

:rolleyes:Hi all this just arrived today and by the look of it they have taken my £1.00 for my CCA request of my balance what should I do about it.

HFLetter.jpg

 

IMG%5D

a%3E

Edited by dogtrainer
Image did show fist time

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Yes I have it.

But the letter makes out that I have made an agreement to pay them money which I have not.

should I write to them a point out that the £1.00 should not have been taken of my account.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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