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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Lowell - No Cca But Offering F&f creation finance debt


mysticpols06
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Yes - ignore it. They obviously haven't got their paperwork in order to make this debt stick using the proper channels, if they had they would take you to court, instead they are offering discounts, you have to ask yourself why? I have given you the answer, no proper documentation. Lowell are known for this tactic, they did it with me. Two letters offering a discount then a letter saying we are closing the file. Sit tight, do nowt.

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Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

 

This letter is a feeble attempt to obtain your signature. DO NOT RESPOND. If and when they produce something which they claim to be a properly executed CCA with ALL the prescribed terms on then is the time to think about offering them something. As it stands now they have no legal proof that you owe them anything.

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What like septic peg (mystic meg) & the like? lol! :p Am feeling a tad empowered thanks to u all & only a lickle bit wary as have not paid today. Nothing else received so far though since f&f offer so am sitting tight & waiting to see what comes next from them! If any of you have time & fancy gander at my debtmanagers ltd (next) thread, would appreciate it - Hubby is gonna pay them this arvo i think (the normal reduced monthly that we have been sticking to) as they have at least sent something thru, but we're pretty sure it's not what it should be & Rory has been helping advise on that so far! So any other opinion would be great as to whether to pay em the norm or Just a squid or not at all!

Hope u all enjoy this bloomin cold but nice sun shiny day!

Thanks as always,

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Afternoon mpols,

I'm not stalking you, honest:D

 

Your threads are very interesting to me so I'll sub to your other thread when I see it.

Mutual support et al.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi I know this is in the wrong section but pease advise how I start a new thread

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Go to the forum of your choice and at the top of each forum should be a tab called new thread.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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:)Hi peeps - Quick update re situ, Received another letter yest - reads as follows (apologies if any typo's, is late & scanner poorly so am inputting doh!):

 

"Following your recent request to be provided with a copy of the original credit agreement in respect of the cca i can confirm our client has yet to furnish us with your agreement.

 

I can confirm however that creation consumer finance are still in the process of retrieving the required paperwork and once this has been forwarded onto us a copy will be posted to you.

 

There will be no further correspondence from us until the agreement has been received at which point we will require payment in full.

 

You currently still have the option to pay £xxx.xx as a full and final settlement in order to bring this matter to a close, after which we reserve the right to proceed to collect the full balance.

 

If you want to take the offer and bring the matter to a close then please call the number below.

Yours sincerely, Andrew Bartle."

 

This is the second offer of f&f from them & it has been 20 days (working) since we originally cca'd them, but we have cancelled standing order last week & witheld payment this month as they haven't produced anything yet! Dunno whether to send acc in dis or just ignore them i think beings as they reckon won't be contacting us again until (unless?) they can provide agreement. General consensus please if poss? :-|

Hope everyone staying warm & keeping smiley!

Thanks as always,

Mpolsx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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All going to the usual format - you normally get 2 F&F's then you'll get one saying they have closed the case. You should have that this side of ChrIstmas! :)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Clownell are one of the most predictable of the DCAs. They are following their usual pattern here. As sports commentators are rather fond of saying, losing can become a habit. It is certainly one the Leeds Losers are becoming rather adept at.

 

I would just let them get on with it, and self destruct in their own good time.

 

On the other hand, if you are feeling in a very generous mood and want to contribute towards the Clownell Christmas Party, you can always accept their extremely kind offer of a full and final settlement. To do that, use a letter such as this one -

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

SH

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:D Lmao SH (Am huge fan of your prose already! lol)

My baby bro is currently representing queen & country & Helmand (2nd tour) & needs every bit of support he can get so if there is any charitable contribution to be made this year it will be in the sending of tinsel & santa hats to help decorate the tents & cheer my wonderfully brave (& just a little daft) brother & the rest of his company during their not very festive tour! (2 yrs ago Gordan Ramsey flew out off his own back & cooked em all turkey bless him! Made em all smile i can tell u!) Anyways, This F&F amount offered doesn't even represent the ppi from what we have worked out which we were missold so i think i shall follow the advice given here & wait to see what else they send us - until there is something more solid i will not be contacting them. Happy weekend guys & gals! Thanks as always,

Mpols x

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'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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  • 4 weeks later...

:D Happy ney Year peeps!!!

Update: Yest received letter true to what you had all predicted for me telling us that they had been advised by O/C that there was no longer an original agreement to be located due to the length of time that the acc had been open apparently and that they were closing their file against us unless the said agreement is miraculously discovered at some point in the future!!! Woohoo!!!

Was so chuffed to get this & more so beings as was the last day of the year!

Thanks everyone for your help so far with this company in particular!

Hugs & best wishes Mpols x

  • Haha 1

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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:D Happy ney Year peeps!!!

Update:

And a happy new year to you too. Please to hear the Leeds Losers have followed the usual format and failed for you.

 

IdaInFife has a good follow-up letter, just to stop them passing it to their pals at Muck Hall to try and hassle you again - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

 

Icing on the cake?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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WHOO_bloody_HOO

 

One apiece now. I'm so pleased for you.

A brilliant new years present

Mystipols06 1-Lowlifes 0

 

Now all you need is for the others to be the same.

Are you going to try and get the negative information taken off your CRA file?

 

Good luck and happy new year to you

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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what a fab bit of news for the start of 2009

 

well done and lets hope all of ours go to these clowns and we get the same responce that would be so cool

 

have a drink tonight you deserve it and all the guys who encouraged you a pat on your backs from me too

 

keep happy

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I have been following this thread with great interest, absolutley fantastic news well done hope it brought a great close to 2008 for you!!:D

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Good News! I have just had the same letter from Lowells "No CCA, We will not contact you again" :D See my Thread below!

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/175572-upto-eyeballs-lowell-financial.html

 

However what do we do now, I want all credit reporting to stop & be removed, No CCA No enforceable debt and no right to process our data past, present & future.

 

Any Ideas???

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Hi,

I sent lowlifes a s10 letter to stop processing my data but because they say there is a link (i had been paying for a while) they won't stop doing so even though they have admitted they don't have a valid agreement, I sent them a strongly worded letter but no reply as yet.

I'vew also written to experian asking them to do something but I don't expect them to do anything.

My next step is a complaint to the information commissioner (as much use they are), the FOS and trading standards.

after that if I get no luck I may just take them to court.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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