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    • 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 
    • 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.
    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • 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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AMEX(Newman) Debt


LarissaJ
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Hiya all

 

After finding this great site, I'm hoping that someone can guide me through the process of dealing with Amex (and now Newman & Co).

 

I owe over £9,000 to Amex on credit card. recently my income changed and i cant even meet the minimum payment anymore. I sent amex a letter after missing 2 month payments telling them of my hardship and asking if they would suspend my account for 6 months with no payment, I enclosed a personal budget sheet. (I honestly didn't want to not pay them, I just needed the 6 months to get myself straight).

 

I never spoke to them on the phone, as I don't like giving personal details out on phone.

 

I got a letter back 2 weeks later, (with no reference to my letter) which was a default notice saying I had 14 days to pay the arrears, if I didn't the agreement would be terminated.

 

I then sent another letter (enclosing my1st letter) asking once again for them to consider my offer (i sent this one recorded).

 

I got another letter back (again not referring to my 2 letters) it was a Notice of Default Sums Served Under Section 86(E) of the Consumer Credit Act 1974. giving me 4 days to pay nearly £1400.00 as I have been charged default sums (also worded "an account administration fee").

 

I have had a voice mail messaage asking me to call Newman & Co.

 

HELP !!!!!!!

consumeractiongroup.co.uk

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Hiya

 

Thanks 42 man for your reply.

 

The account is almost 2 half years old. I haven't actullay received any letters from Newmans yet, only one voice mail message.

 

Please excuse my ignorance, but what exactly is a CCA request and what would it mean if I sent one off?

Thanks!

consumeractiongroup.co.uk

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This is the relevant legislation from the Consumer Credit Act

 

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

 

(7) This section does not apply to a non-commercial agreement, and subsections (4) and (5) do not apply to a small agreement

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Thanks 42 man!

I'm really grateful for your help, and hope i'm not being a pain, but that was a bit to "legal jargonish" for me. Does it mean if they dont send me my credit agreement with 12 days, I can have the 6 month interest free period with no more hassle?

 

And if they do send it within 12 days, what happens then?

consumeractiongroup.co.uk

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So will they stop asking for the repayments altogether?

What is the lilkihood of the CCA not being correct?

 

I've had a look at other people's posts on here, but still not grasping the whole concept of CCA's and I feel a little bewildered, but willing to fight for my rights.

consumeractiongroup.co.uk

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This is the letter amend it with addresses. Do not sign it only print your name and send it recorded

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

 

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I've had a telephone call from Newman, I told them that I only wanted to correspond via writing and that I would be sending them a letter, they said they would hold the court action for the next few days until they receive my letter, but I didn't tell them what the letter was.

consumeractiongroup.co.uk

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  • 3 weeks later...

I have received a letter from newmans saying that they have enclosed my original signed application form (it was done online so wasnt signed) and a copy of the terms and conditions from when the account was opened or possibly a copy of the oldest terms and conditions they hold on my account. (not sure which one it is they've enclosed).

HELP!!!

consumeractiongroup.co.uk

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How old is the account Larissa ? you mentioned 'online' ? so I presume you never signed a document like the one they have produced above ?

 

The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force on 31st December 2004 and allows for a signature to be simply a tick in a box for on-line credit agreements.

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Hiya 42 Man! Thanks for your reply!The account is 2 half years old, they did send a computer print out too, but I didnt post that as it had lots of info on it. Also, I don't know if it matters, but I was issued with a new card about 15 months ago.

consumeractiongroup.co.uk

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