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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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bongo vs cap one


bongobaz
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Guest ian cognito

Ah, differing opinions on this one, yes they can and frequently do take this form of action when there is an outstanding debt, I have read threads on here that recommend you challenge it but never seen one that says it's been done successfully.

 

Sorry I can't be of more help - hopefully someone out their can prove me wrong???

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ok i have drafted a letter to the court saying i want to continue my claim as i wrote to cap one accepting there offer in cheque payment form and in there court defence they are saying they never heard from me regarding there offer so they just credited the account! im also sending the court copies of my letters to cap one stating i will accept payment by cheque only and proof of postage which cap one claim they never got!!

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I'm sure this lot will try & get away with anything.

 

Last May I part repaid a debt agreed as full and final settlement - which left them with a £65 write off.

 

I've registered an MCOL for £130 & they've agreed to pay the whole amount but will pay £65 towards my outstanding debt.

 

I don't think so!!!:-x

 

So I've wrote to them explaining the menaing of full & final settlement & told them I expect a cheque for the full amount within the next couple of days.

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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  • 4 months later...

I have a court date on 26th Feb at my local court ref my case against Cap one.

They are claiming to the courts that they have settled and paid me.

They offered to settle in full in Sept and i wrote to them accepting them offer by cheque.

They said they never heard from me so credited my account with there DCA in Sept. But i had a letter from the DCA in Dec showing the balance has not changed at all!!

 

I have copies of my letters aceepting there offer and proof of postage and am in court on Monday 26th the case will last approx 10mins to see if they have paid me or not.

 

So i am taking all the letters i have from myself and there DCA and was wondering if i will need anything else???

 

Also can i ask for my charges back as cheque to myself and not to the DCA???

 

i just want to be prepared for Monday!!

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did you reply via recorded mail?I sent EVERYTHING recorded for all my claims,and if it was signed for,they couldn't admit to not getting it.

 

yes eveything was recorded and signed for!! i have the print outs of the net!!

 

any advice about the charges being refunded to myself and NOT the DCA??

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Bongobaz,

 

IMHO, Crap1 no longer hold the debt, the DCA hold it as a debt against you. You are pursuing Crap1 for unlawful charges, therefore they should pay to you the claim settlement.

 

If there is a Crap1 account still in existence then, they are can pay you via that account.

 

Thats my opinion anyway .......... :D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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i have a court case today at 2pm this afternoon!

it is just to see if they have paid me.

i accepted cap ones refund in full in september and they claim to have credited my account! but i have statements from nov and dec stating balance is still the same.

 

the only thing is i think i have messed up big time!

 

i have not sent in my paperwork to the court or cap one?

am i screwed??

what do i do now?

 

i need help on this urgent guys as im in court at 2pm!

 

i did send copies of the letters and statements to the court before the court date was set?

 

any adivise on what i do know??

 

please help!!

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Presumably you are talking about the court bundle?

You say that you have already sent statements and letters ?

 

Basically the docs you are expected to send are those in which you will be relying on in Court to win your case.

If the defence have not sent you theirs then they cannot rely on anything produced later this is the idea of the exchange although they may just use what they submitted in the original defence.

You should still attend court,Take with you any further info such as recent letters from /to you.

It is possible Cap 1 will not turn up....or turn up and offer sett BEFORE the hearing.

If they do not turn up then you can ask for judgement.

There is nothing to be scared of here and you will be given explanation of the process by the Judge.

As I say get together anything that will assist and do copies of it.

you have 4 hours.

Get to the Court early (Ithink they will return from Lunch at 1.00 or 1,.30 )....this is so that you can take the sett from CAP if they offer but you are entitled to full amount plus costs/interests etc.

Let us know how you get on.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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the hearing is just to see if they have settled with me.

they offered a full refund and i accepted but they are saying they have paid me but i have proof that they havent

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the hearing is just to see if they have settled with me.

they offered a full refund and i accepted but they are saying they have paid me but i have proof that they havent

 

I suggest a call to Cap One legal dept stating that you have not had a record of any payment which they say has been made and that at the hearing you will tell the court that.

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I suggest a call to Cap One legal dept stating that you have not had a record of any payment which they say has been made and that at the hearing you will tell the court that.

 

is it not abit too late for that?

case is only in 3 hours! and im getting VERY nervous now.

i have all the letters with me from cap one offering the full aomunt and also a letter stating they refunded my account on 22nd sept. but i also have a letter from december showing the balance has not changed!

shall i just wing it and hope for the best??

im kivking myself i forgot to send these letters into the court and copies to cap one!

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no its not too late. they will be bricking it! give them a call now like tanz says.

 

 

anyone got a phone number???

 

i will give it ago!

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Just remain calm. If settlement has been made then you just need to speak to someone and ask them either to email a statement showing the payment or prove it has been made in someway. Or just tell the judge that they have offered a full payment which you accepted in Sept or whenever it was, but as of todays date you have not been given any kind of proof that this has been made. Show him your statements, show him your recent letters and see what he says. Chances are cap one will not send representation to this as they may hav paid but it is not showing on your statements.

 

Don't worry just say it how it is.

 

Keep us posted.

 

Tanz

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Just remain calm. If settlement has been made then you just need to speak to someone and ask them either to email a statement showing the payment or prove it has been made in someway. Or just tell the judge that they have offered a full payment which you accepted in Sept or whenever it was, but as of todays date you have not been given any kind of proof that this has been made. Show him your statements, show him your recent letters and see what he says. Chances are cap one will not send representation to this as they may hav paid but it is not showing on your statements.

 

Don't worry just say it how it is.

 

Keep us posted.

 

Tanz

 

thanks Tanz!

i must admit i am abit nervous about the whole court thing!

i also have a date with citi cards coming up too! in fact i have to do my court bundle tonight and get out in tomorrows post!

im just dreading the whole court room thing!

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BongoBaz,

 

re above comment, can you check online to see if it has hit you account ?

 

no i cant check it.

but i have the december statements showing balance is still the same!

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