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    • 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.  
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    • 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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DCA CCA & Overdrawn Accounts Help


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Wondered if anyone can help...I have read on here that DCAs have no need to provide a CCA or answer a CCA request for bank accounts that arei in the red ?? Is this the case ??

 

I have two accounts one with Halifax about 900 ODrawn and the other with A&L which is around 900 ODrawn....Halifax has been sold to Apex Credit Management. The other one is still being chased by A&L themselves.....this one was an internet banking only and never signed anything anywhere just applied on line got accepted and that's it....it even came with a 600 pound overdraft as well.....all not asked for but given on a plate !!!!!

 

I have telephoned these muppets at Apex today who use very aggressive tones and manner threatening doorstep collections etc etc. In the end I put the phone down as I was clearly getting nowhere. I have told them I would not disclose any personal information over the phone and have today written them a CCA letter with the 1 pound PO....does this mean they have a right or not to chase these debts if they don't have to provide a CCA ??? Do they have to prove that you owe this amount at all in a breakdown etc etc....as I know most of the amounts on both accounts are charges upon charges ??

 

Thank you in advance

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I will SAR both A&L and Halifax and see what comes back.

 

In the meantime I have requested from Apex Credit Management a CCA so should I see what their reply is to that one ???

 

Apex could not give me any information on the debt just that it was with Halifax and for near 900 pounds when I telephoned them......they told me over the phone I should know what its for and couldn't be any clearer, that's why I sent to CCA just to see what they actually come back with !!!!! Do they have a legal right to chase this debt they say they bought from Halifax without any proof of what its for ???

 

Any other suggestions much appreciated ???

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firstly, NEVER talk to a dca on the phone.

they need to prove to you they have the correct paperwork to be legally allowed to chase the debt. till then they can demand all they like!

 

i'd do as suggested, SAR the original lenders and get a claim in for unlawful charges, then write to the DCA's and say A/C is in dispute.

 

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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Took an SAR into my Halifax branch today and handed it to the girl at the counter....she looked through it and said she would stamp it in and send it off to Head Office. I also gave her the letter from Apex Credit Management and a bogus looking letter dated October 2008 supposedly from Halifax informing me that the debt had been sold to Apex and to only deal with them from now on !!! Even the girl in the bank didn't think the Halifax letter was real......

 

She looked on the system and said my account was nil and not 876 overdrawn as stated in the letter and that is was POSSIBLE that the debt had been sold to a collections ageny.

 

She advised me to contact Halifax head office and gave me a number to check if this was correct and that the debt had been sold to an outside company.

 

She also added that if it had they need proof that they can collect that debt they cannot just demand payment hahahaha !!!!

 

Also, CCA's Apex Credit Management with an unsigned recorded delivery letter and the 1 pound PO yesterday so await to hear from them too :o)

 

Should I just sit back and wait now or would you ring the Halifax Head Office to check the debt has been sold ?? On the screen it shows a nil balance on my account and like I said not the 876 overdrawn that is claimed from Apex........

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hey thats great news.

can't see how ot why a debt of £0 would even be considered to be sold on, neither why ACM 'appear' to have brought it then added charges of their own.

 

interesting situation.

 

case closed as far as i can see, unless you want to make ACM wriggle if they do insist there is an outstanding balance & demand for it to be paid.

 

could be funny to collect all the paperwork up they send & inform the relevent authority...fraud squad rhymes quite nicely...

 

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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Got a letter from ACM this morning contents of which are below:-

 

I am writing concerning your letter received today, the contents of which have been noted.

 

In order for me to refer your disputed account to Halifax for them to provide us with a copy of your signed agreement a fee of 1 is required. We will endevour to forward the copy of the agreement onto you as soon as we we receive it.

 

Your sincerely

 

Miss A Collier

Debt Purchase Sales Support

0871 244 2812

 

What next ???? A 1 pound postal order was attached to my recorded delivery letter.....are they asking for 1 pound or is this just another standard reply letter ??

 

Also checked on my credit file and it doesn't say anything about debt being sold etc etc as I believe it should but has an S as latest with the balance on the account as 0.....???

 

Bump

Edited by cracker2008
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