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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Reapstar
      SAR distress claim against Parking Eye

      By Reapstar · Posted

      What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • lookinforinfo
      EPC ANPR PCN - St Nicholas Street, Weymouth DT4 8AD

      By lookinforinfo · Posted

      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.
    • dx100uk
      One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.

      By dx100uk · Posted

      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.  
    • lookinforinfo
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By lookinforinfo · Posted

      he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • FTMDave
      One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.

      By FTMDave · Posted

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Debt following death.

nuthatch

By nuthatch
in General Debt Issues

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nuthatch

nuthatch

Posted
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Posted

A few day's before we were due to exchange contracts, our conveyancer phoned to say that RBS (who we had the mortgage with) were refusing to release a final figure as the house "was in litigation".

I nearly had a stroke because non of our loans/overdrafts etc were secured. We had been in a DMP with CCCS for nearly a year at that time.

What we didn't realise was that RBS were the only creditor who had not stopped interest....things were very difficult for us then and we knew very little about dealing with debt.

Before RBS released the mortgage redemption figure, they would only do so on condition that we agreed to allow them to pay off all our debts with RBS before we received the balance. They did not include credit card debts to RBS in this. I believe they used their right to "offset" so they could do this although I did not understand about this at the time. I think I was told this on CAG and it will be on one of my very early posts under another username.

So the debts were paid off to RBS...or so we thought. It was only when the bank charges were refunded that we found out that the money had not been passed over when it should have been.

Our conveyancer paid the money to Shakespeares solicitors and the rest of the story is in my previous post.

I did contact CCCS about this and they phoned Shakespeares (I think because they were making themselves preferential creditors) and CCCS were told that RBS did not have any documentation to prove their right to offset. CCCS did advise us to take legal advice but we didn't.

Just wanted a clean break from the thieving barstewards.

They still have £35 which CCCS paid to them in error because CCCS didn't have time to stop that month's DMP payment. CCCS did request it back but it never got paid.

Worst thing is, I have no documentation about this as all our records were destroyed in a big house fire last year.

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

I was pursued by Cabot (pretending to be RBS) over an alleged debt that was over 20 years old. Not only was it something I knew nothing of, the real RBS had no record of me ever being a customer; unsurprising really, since I have never had any dealings with them.

 

Looking at other RBS threads, it seems that their admin is often highly questionable. Combine this with the greed of DCAs, and it's easy to see why there are so many clusters.

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JonCris

JonCris

Posted
Posted
A few day's before we were due to exchange contracts, our conveyancer phoned to say that RBS (who we had the mortgage with) were refusing to release a final figure as the house "was in litigation".

I nearly had a stroke because non of our loans/overdrafts etc were secured. We had been in a DMP with CCCS for nearly a year at that time.

What we didn't realise was that RBS were the only creditor who had not stopped interest....things were very difficult for us then and we knew very little about dealing with debt.

Before RBS released the mortgage redemption figure, they would only do so on condition that we agreed to allow them to pay off all our debts with RBS before we received the balance. They did not include credit card debts to RBS in this. I believe they used their right to "offset" so they could do this although I did not understand about this at the time. I think I was told this on CAG and it will be on one of my very early posts under another username.

So the debts were paid off to RBS...or so we thought. It was only when the bank charges were refunded that we found out that the money had not been passed over when it should have been.

Our conveyancer paid the money to Shakespeares solicitors and the rest of the story is in my previous post.

I did contact CCCS about this and they phoned Shakespeares (I think because they were making themselves preferential creditors) and CCCS were told that RBS did not have any documentation to prove their right to offset. CCCS did advise us to take legal advice but we didn't.

Just wanted a clean break from the thieving barstewards.

They still have £35 which CCCS paid to them in error because CCCS didn't have time to stop that month's DMP payment. CCCS did request it back but it never got paid.

Worst thing is, I have no documentation about this as all our records were destroyed in a big house fire last year.

 

 

Send them ALL a S.A.R - (Subject Access Request) in YOUR name & you might be very surprised by what turns up;)

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nuthatch

nuthatch

Posted
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JonCris when you say SAR them all, do you mean RBS and Shakespeares solicitors?

Will they have to respond to an SAR in my name because I am executor of the will? Do I have to send an copy of the death certificate and his will to them as well to prove I am entitled to have this information?

I have already SAR'd RBS in the past when reclaiming bank charges for my own and the joint accounts but obviously did not get my husband's at the time. So can you SAR a company twice?

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overdone

overdone

Posted
Posted
I was pursued by Cabot (pretending to be RBS) over an alleged debt that was over 20 years old. Not only was it something I knew nothing of, the real RBS had no record of me ever being a customer; unsurprising really, since I have never had any dealings with them.

 

Looking at other RBS threads, it seems that their admin is often highly questionable. Combine this with the greed of DCAs, and it's easy to see why there are so many clusters.

Thank you for highlighting this.

If my post helped you feel better, click my scales.

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JonCris

JonCris

Posted
Posted
JonCris when you say S.A.R - (Subject Access Request) them all, do you mean RBS and Shakespeares solicitors?

Will they have to respond to an SAR in my name because I am executor of the will? Do I have to send an copy of the death certificate and his will to them as well to prove I am entitled to have this information?

I have already SAR'd RBS in the past when reclaiming bank charges for my own and the joint accounts but obviously did not get my husband's at the time. So can you SAR a company twice?

 

 

The DPA only applies to the living. However as you have now become directly involved in YOUR OWN name the data they hold also applies to you.

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nuthatch

nuthatch

Posted
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Posted

Why don't the banks just declare an amnesty....zero all debts...and let's all start again?

 

A great idea I think I stole from an episode of "Spooks" the other night.

 

Let's just all sit down, have a cup of coffee and a scone and be friends.

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

Let's just all sit down, have a cup of coffee and a scone and be friends

 

This, of course, is Zanu-New Labour government policy in Northern Ireland. Just as fanciful as Spooks, of course.

 

 

Personally I fancy infiltrating a DCA (under a legend, of course), changing their database to send threatograms to bankers, Labour MPs and other worthless life forms, then slotting the boss and some selected monkeys with a swift double-tap from my cunningly concealed moderated P226 before blending effortlessly into the human traffic of Reigate (or Salford, or Preston, etc.), reappearing, completely unruffled, behind my attractively-lit, Mac-equipped desk at Thames House before teatime.

 

I'm quite certain that real spooks don't have anywhere near as much fun. However, now that their purview includes serious organised crime they might get interested in the debt industry, what with all the data they process (badly), lack of employee screening and cash flows to overseas investors; I can think of few other golden opportunities for money-laundering.

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nuthatch

nuthatch

Posted
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I am so upset. Received another letter addressed to my husband saying he owes them for an RBS overdraft which we paid off in 2007. I got one as well.

I feel like throwing the towel in because I can't cope with all this.

I have put a post in the Royal Bank of Scotland forum as well to see if anyone can help.

I have found a letter from Shakespeares Solicitors which lists all the debts we owed at the end of 2006 which says what the final settlement figures were to clear the mortgage balance on the house sale and the associated RBS debts due from the balance.

This letter has been initialled by someone from our Conveyancer's dept which dealt with our house sale and dated with a note to say "completed **/J**/07. There is also a form with a breakdown of how the final total due to us was decided and that shows the amount paid to the RBS over and above the amount to clear the mortgage.

 

I feel trapped because I think more letters may be on their way because we cleared about 8 accounts following the house sale.

 

Sorry again, I am getting my debts mixed up with my husband's and I know they can't touch him but it is causing me so much grief.

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Lilythepink

Lilythepink

Posted
Posted

Hi,

only just read your thread, my mum died in 2005, owing around 8000 to Egg,Cahoot, Nationwide, and others.

I kept at them, and I can only add my support to help you, as I can only suggest you keep up the fight with other from CAG

They wrote off my mum's debts absolultely.

Don't give up.....

A

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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  • 2 weeks later...
nuthatch

nuthatch

Posted
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Posted
Dear P*******

 

I acknowledge receipt of your letter dated *****, the contents of which are noted.

 

The information you requested has already been provided to your client.

 

Your reputation for trying to collect from the dead precedes you. Since the estate has no assets your unsavoury collection attempts are both distressing and wholly pointless.

 

Take notice that I will not enter into further correspondence with you in this matter. I do not expect to hear from you again, other than to apologise. Any further contact will be reported to the appropriate enforcement authority.

 

 

As I have not heard anything for 3 weeks from these people, I wonder if the letter telling them to bog off has done the trick?

I sincerely hope so :D

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The GodMother

The GodMother

Posted
Posted

lets just hope so. lol

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 5 weeks later...
nuthatch

nuthatch

Posted
  • Author
Posted

Just an update.

No further communication about my DH's Littlewoods account (#106)

Grovelling apology from RBS (#186)

Zilch from Egg...months ago.

LTSB debt written off....as it should have been.

 

Happy New Year. How I love this site :D

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The GodMother

The GodMother

Posted
Posted
Just an update.

No further communication about my DH's Littlewoods account (#106)

Grovelling apology from RBS (#186)

Zilch from Egg...months ago.

LTSB debt written off....as it should have been.

 

Happy New Year. How I love this site :D

 

 

Oh well it looks like they have done the rite thing like they are ment to.

 

Have a great nite and hope u can eventually start enjoying yourself.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 4 months later...
nuthatch

nuthatch

Posted
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Posted

I have had no communication from any of the companies who were chasing money from my late husband's non existent estate so I guess they have given up.

Thanks for all the advice I received on this threas and I am making a donation to the site. It's not much but I hope it helps.

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sillygirl1

sillygirl1

Posted
Posted

There you are, I think you may find you will occasionally get the odd communication, then you can remind them that on xxx date you sent a CCA request and they are in default of that - so you won't be doing anything until it arrives.

 

Hope everything else is going well for you now after your problems.

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  • 4 weeks later...
nuthatch

nuthatch

Posted
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Posted

Letter from Phillips Cohen which is an exact copy of the one I received last year #106 about my late husband's Littlewoods account.

To say I am upset is an understatement.

I thought I had seen them off with the letter from JonCris.

It is a year this month since my husband died in tragic circumstances and I am finding it very difficult a the moment.

Should I just send a copy of the letter that I sent last time?

 

Thanks

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saintly_1

saintly_1

Posted
Posted

What a thing to get at this difficult time you would of thought that they would of marked it on the file ..

 

Just been trying to find the letter that JonCris posted to send but I cant locate it on your thread. However if it worked last time try it again only try and add somewhere that you thought this matter had been conclude.

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The GodMother

The GodMother

Posted
Posted

yes sent it and report them to the OFT.

 

Funnily enough i just googgled phillips cohen and this thread was top of the list. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/114576-deceased-mothers-debt-phillips.html

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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JonCris

JonCris

Posted
Posted

Dear Sir or Madam

 

I am in receipt of your letter dated / / and in response I remind you of mine dated / / and the advice therein.

 

It appears that your unsavoury practice of chasing the dead continues therefore as I warned in my previous letter and whilst I reserve my position I am reporting you to the authorities for your appalling conduct in continuing to harass me the widow

 

Signed .............................

 

Do not sign your faithfully

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