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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Capquest SD re Amex Card - WON !!


Prudence
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Oh help! I have just received a "Statutory Demand" from CapQuest (re American Express). I was paying a DCA a for Amex a small amount regularly then they sold the debt to I think ECI... I paid them for a good couple of years regularly... then again it was sold and I kept on getting demands from Capquest, only these people seemed rather more aggressive. Anyway, I never did sort a payment out with them and now this.... It's only an amount of about £800. Please advise what I should do!

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Oh help! I have just received a "Statutory Demand" from CapQuest (re American Express). I was paying a DCA a for Amex a small amount regularly then they sold the debt to I think ECI... I paid them for a good couple of years regularly... then again it was sold and I kept on getting demands from Capquest, only these people seemed rather more aggressive. Anyway, I never did sort a payment out with them and now this.... It's only an amount of about £800. Please advise what I should do!

BUMP!

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hi prudence, sorry for that delay I am working, so I am not really online.

 

1. The SD from capquest.... find a court local to you that deals with these issues, not all courts do. You are going to need grounds for a "set-aside" this is usually by way of you dispute the amount of the demand, or possibly that it was not served correctly (did it arrive first class post?)

 

You are time limited with SD's so do it sooner rather than later.

 

2. Your request for info under the CCA 1974 needs to go to the collection agency that is chasing you, so in your case Scotcall and now I would also send one to Capquest.

 

3. A SAR is a request in writing to the effect that you require all info from that company as is your right under the Data protection act that they have on you. This could include a full statement of account notes on telephone conversations internal emails ... basically anything that, that company has had to do with your data.

 

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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Hi Beau

Had urgent business for my Mother to attend to so have just got back online.

Right, the SD from Capquest was sent by first class mail. I can't believe they're going to this length for £800 (£125 of that they say is interest). Do you think it is worth phoning them and asking if they will settle at a (much) reduced figure to save going to Court? We were just successful last week in getting a judgment set aside re Welcome Finance. I don't know what the judge is going to think if he sees us back in court again so soon with another!!! I would rather not.... but if we have to I need to know on what grounds?

I would be so grateful for any help you can offer.

Thanks, P

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Hi

 

I hope you can help me with this problem. I started talking about it on another thread but thought I'd better start a new one. I am becoming very anxious about it as it's been a few days now and am not sure what to do.

 

I received a "Statutory Demand" from CapQuest (re American Express). I was paying a DCA for Amex a small amount regularly then they sold the debt to I think ECI... I paid them for a good couple of years regularly... then again it was sold and I kept on getting demands from Capquest, only these people seemed rather more aggressive. Anyway, I never did sort a payment out with them and now this.... It's only an amount of about £800.

 

The SD from Capquest was sent by first class mail. I can't believe they're going to this length for £800 (£125 of that they say is interest). I am in the process of sending out CCA requests (tomorrow to CapQuest & others) after good advice on these forums.

 

Do you think it is worth phoning them and asking if they will settle at a (much) reduced figure to save us having to go to Court? We were just successful last week in getting a judgment set aside re Welcome Finance. I don't know what the judge is going to think if he sees us back in court again so soon with another!!! I would rather not have to go to Court.... but if we have to I need to know on what grounds?

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firstly, dont ring them, they are one of worst dca's ever.

but you need to get it set aside asap, which you are already fam with. do it tomorrow!

dont worry about the judge, its just a bread and butter case to them.

get it set aside, then start the negotiations!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Do you know if there are any excessive charges that have been added to the account ? is it a credit card or a debit card ? (if you're not sure then send a SAR to Amex) Also dispute CAPQUESTS excessive charges too (send them a SAR if necessary)

 

You do need to get it set aside at your local court within 18 days.

 

Have a read here...

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/86067-getting-statutory-demand-set.html

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Thankyou dx100uk, miaow99 and 42man.

 

42man -it was for a Blue Credit Card. I have looked through the templates and can't find one for a S.A.R. Is there one on here somewhere? I have sent of a CCA request today Rec Del to Capquest. However the 12 working days they have to respond will take me over the 18 days I had to "set aside". So one question is, is it good enough grounds to say on the form "I dispute the amount of the claim and Capquest have not yet supplied me with a copy of the credit agreement which I have requested".

Or can anyone else suggest the wording I should put on the form please?

 

Miaow says that Capquest cannot go for Bankruptcy on an amount of £750 or less, so should I make payment on CQ's website to bring it down to say £700 and add that as grounds on the form?

 

Finally is it a good idea to write to them (you say I shouldn't phone!) and offer a full and final settlement - and what sort of figure do you think might be acceptable (I have no idea what the usual acceptable percentage is).

 

All help is much appreciated, thankyou.

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I have looked through the templates and can't find one for a S.A.R. Is there one on here somewhere?

 

There is one but it's geared to obtaining statements for bank accounts (CAG originally came into being as a forum for members to reclaim unlawful bank charges).

 

You can adapt it to include all the items you want -

-copy of original agreement

-statements, including explanations of transaction codes used

-notices (including default or assignment)

-correspondence

-telephone call logs, and transcripts of calls

-filenotes and memoranda

-'anything else'

 

However the 12 working days they have to respond will take me over the 18 days I had to "set aside". So one question is, is it good enough grounds to say on the form "I dispute the amount of the claim and Capquest have not yet supplied me with a copy of the credit agreement which I have requested".

Or can anyone else suggest the wording I should put on the form please?

 

On the application for set aside you have to put the reason you are applying for the set aside at the time you apply. You can't just assume that the DCA will default on a valid agreement. You're going to look pretty silly if they manage to produce one.

 

Have you already disputed the account for any reason? Is there any reason you could dispute it now?

 

There's a list of grounds somewhere on CAG that you can use to apply for a set aside. Can't put my finger on it at the moment (sorry).

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thankyou very much for that Palomino. I have found the list of ground you mention. I haven't disputed the debt as far as I can remember. I always spoke to the previous DCA for Amex (ECI) over the phone and maintained regular token payments. I know it is stupid but I just didn't get round to coming to an arrangement with Capquest.

 

The only grounds I can see (apart from the excessive charges angle which I don't know about yet till I get response from S.A.R. - except I see they say in their SD that £129 interest has been added since the assignement of the debt) is the fact that it will be under £750 if I pay them in the next couple of days a sum to get it down a bit. Do you think it's a good idea to bring it down to £700 and then put that on the form as the grounds?

 

Also do you think it would be a good idea to write to them & offer a full & final settlement figure?

 

Many thanks, P

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How much is the debt over £750? As a cynic I would believe £1! :)

Does the extra £129 bring it below £750?

 

Otherwise I would do as you suggest : send them a payment to bring it below £750 and argue for F&F later. Send the payment asap so it clears well before you need to lodge the application for set aside. If you able to then pay by internet banking which they don't have the opportunity of refusing or delaying.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hi, thanks palomino. The total debt is £808 inclusive of the £129 interest. I had a look on the web and you can pay them via their website I believe. Shall I say on the form in part a " because the amount is disputed". Then in part c say "the amount actually owed is [say] £700 which is below the threshold for bankruptcy petition. The total amount also includes a sum which has been applied as interest (£129) which I dispute [can I say that even though I haven't "disputed" it yet?]". Sorry to trouble you but I just want to get this right!

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Hi, thanks palomino. The total debt is £808 inclusive of the £129 interest. I had a look on the web and you can pay them via their website I believe. Shall I say on the form in part a " because the amount is disputed". Then in part c say "the amount actually owed is [say] £700 which is below the threshold for bankruptcy petition. The total amount also includes a sum which has been applied as interest (£129) which I dispute [can I say that even though I haven't "disputed" it yet?]". Sorry to trouble you but I just want to get this right!

 

You should, today, sent off a letter to Capquest saying that you dispute the charges which are unreasonably high and purely intended to lift the amount owing over the £750 threshold. Send this by Special Delivery - guaranteed for delivery by noon tomorrow. Unfortunately the Post Office a few quid for this service. Ensure you keep the receipt very safe. Check the tracking facility on Royal Mail's website to ensure it was delivered and signed for.

 

 

Once you have done that then you can complete your application for set aside on the grounds that the acknowledged debt is £689 and that charges have been added which you regard as unreasonable and only intended to bring the value of the alleged debt to more than the threshold for a bankruptcy petition.

 

 

There is no desparate urgency to file the SD set aside application. You have until Tuesday next week so by the end of this week is fine. You do realise there are two forms to be completed - 6.4 and 6.5? You say you want take 'the form' to court on Wednesday.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thankyou so much Palomino. Have sent off the letter.

Re the forms (I have got both of them now, thanks). Sorry to be a fusspot but on the affidavit form shall I choose the first option which is "I do not admit the debt because....." or just put my own grounds down as you have described for me.

You don't think (once letter received) I should pay a sum online to bring total under £750 just in case(!) Also settlement negotiations - should they take place before the hearing for set aside or wait till after?

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Hi On Friday 5 Sept I received a letter from CapQuest saying:

 

"Further to recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required.

 

If you have any proof of payments or correspondence that would assist with your query, please forward these documents, with a brief covering letter, to our Collections Administration Department, sot hat we can resolve this matter as soon as possible."

 

I assume this is in response to my CCA request which I sent out on 26 August. What position am I in now? All help much appreciated as I'm supposed to file the "Set Aside"application by Tuesday!

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I think its 12+2 days not sure but they have to comply with your request doesnt matter what they have said to you.Yes go do the set a side i am sure someone will bealong with the proper advice for the rules with the cca request.

 

After 12 working days the creditor is in default of your CCA request. However in this case Capquest is not the OC and the agreement has clearly been terminated by the creditor. In your application just say you dispute the debt & put crediot to strict proof by means of an enforceable cca

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