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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Help wanted against Wescot - been blindly paying them for years


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I have been paying £50 per month to Westcott for a debt on a Nat West credit card from ages ago. Being the disorganised person that I am, I have no details of the original debt, nor exactly how much I have paid to these blood suckers.

Recently they have taken to phoning and offering me a discount,

on one occasion saying that if I did not pay off the debt they would double my payment.

I don't have any spare cash at the moment so that is not an option.

Yesterday they spoke to my wife and were very rude to her, this is something that I will not tolerate.

They have now made me mad and I want to screw them any way possible.

Are there any letters that I can send asking for details of the original debt and also the payment as that I have made to them?

I'm sorry if this has been answered elsewhere, I did do a search but I am a bit short of time, having only just got my broadband connection back after Pipex cut me off for no reason and then refused to accept that they had done anything.

I am currently working long hours and would like to get at them ASAP.

 

Thanks

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send the CCA letter

 

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

 

 

Letter 'N' Do not sign and send a £1 postla order.

 

This will establish if they have a legal right to collect on this debt.

 

Post back if you need any further help.

 

 

JOgs

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Also do not sign the letter....just print your name, and send by recorded delivery as a minimum but preferably special delivery.

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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Thanks for that. Is there any way to get a statement from them so that I know what the original debt was and how much I have paid them? Or should I leave that until I've sent letter N and received a reply?

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Part of the request is that they should send statements showing what has been paid and what has still to be paid. If they don't do this they are in default of your request and the account goes into dispute until such times as they fulfill ALL parts of the CCA 1974 requirements - copy of the original agreement, copies of any documents referred to in the agreement and statements.

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Hi, Snapper.

 

Send a S.A.R - (Subject Access Request) to NatWest, that'll let you know the score regards payments ect.

If they come up with your CCA, you can re-claim any charges.

 

 

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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I would definately SAR Natwest as advised above. Then I would make sure that I check, double check and triple check that all the money you have paid has been allocated to the debt.

 

I too had Wescot collecting a Natwest debt. They passed the account on to another DCA. For about a year I was paying Wescot and the money was sitting in their suspense account. They didn't even have the decency to tell me. I was quite angry but I did get all the money back. My debt ended up being sent to Rockwell who suprisingly are all right given they are a DCA.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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The problem is that this is quite an old debt and dates back to before we moved house, when a lot of paperwork, especially old stuff, got " lost ". I have had a look but I can't find any paperwork relating to nat west.

 

I thought that Westcott and their ilk bought debts off the original owner for a proportion of what it was worth and then collected it.

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I think they normally do but luckily in my case hadn't. Before Wescott had the debt it was with Scotcall. Oh the memories.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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