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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Help with Me Vs Capquest


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i have today had a letter threatening to issue a statutory demand after viewing my personal circumstances.

 

this is worthless as i dont own my own home

 

i dont really understand it either as they also offer in the same letter a settlement at half the original debt?

 

any ideas?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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a settlement like that suggests theyre not confident doesnt it? i think theyve sent me the originals and now dont have any copies.

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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a settlement like that suggests theyre not confident doesnt it? i think theyve sent me the originals and now dont have any copies.

 

PrettyPaula, I've had the same letter offering to match payments (£15 per every £50 I pay) "nothing sinister" apparently. It definitely sounds like they know they are on shaky ground and will try anything to get us to pay. DO NOT ring these people and DO NOT discuss the debt. They WILL treat it as acknowledgement by you of the debt. Keep giving them the runaround for as long as you can.

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im going to resend that letter again with a copy of my request.

 

theyre starting to irritate me.:p

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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Hi Prettypaula

 

i was just about to go to bed and happened on your thread (have had dealings with Capquest!)

 

I started to smile when i saw you great 'Indignant letter" (especially the bit at the end about having something useful to say and saving paper)

 

But really started to laugh out loud about this bit :

 

i think theyve sent me the originals and now dont have any copies
.

 

I do hope you are right!

 

I shall be laughing everytime i think of that

 

Sorry I can't help, not be on here long and still finding my way about, but hope it all works out for you...

 

Hampshiregirl

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okay.

 

they have copies and i recieved again via recorded delivery this morning. however my postman signed for them not me.

 

Im pretty much done arent i here? it would be march 2010 that 6 yrs would have passed without payment, i dont see how i can string anything out for that long as i dont have anything else i can query do i?

 

i really need your help, i will be gutted if i have to arrange payment. :(

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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okay well oin the account statement thingy (payment history etc) it has 142.59 PPI charged

 

further on after default it has £69.71 PPI removal, it also has 4 x £20 fee assesment charges and 1 x £80 fee waiver charge

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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id really appreciate any help with this as im starting to get pretty panicky and losing sleep at night.

 

I'm terrified of getting a CCJ and really never having a chance to get my own house one day.

 

please, anyone?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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How much is still outstanding?

 

If you start the reclaim I would think that that would indicate you admit the debt, Howver if the PPI and charges add up to a sizeable amount then recalim them, have you send egg a sar yet?

 

This would give you another 40 days, depending on how long it takes them to supply ALL the statements

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no i havent SAR'd them. I also dont have a default notice, only a deed of assignment sent to an address i didnt live in at the time, a short statement from the OC and the agreement and terms from online.

 

The account is £3,100 roughly and when it left the OC it was £2200.

 

It went to capquest and has been with them since 2006.

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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i cant see any total charge for credit...

only an APR and a total amount borrowed (ie the £2000 loan + PPI) but no total including total interest repayments?

 

is that required under the act?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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do i need to SAR to Capquest? i think they have added the amjority of charges on after Egg sold it on?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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do i need to SAR to Capquest? i think they have added the amjority of charges on after Egg sold it on?

 

no you sar egg, if the total on the last statement is less than what crappyQ want then they can whistle in the wind

 

however wait for lilli to come back with her letter

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okay so how do i make capquest eff off in the meantime while i do that? cc them in?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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and thankyou both, PGH - what about the total charge for credit? anyone know if it applies to egg online agreements from 2003?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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stolen from pt. he puts it so much better

 

 

Simple

 

 

Dear Sir or Madam,

 

In respect of the credit agreement you have disclosed on the XXXXXXX 2009

 

After seeking legal advice from a Consumer Credit Law specialist i can comment as follows.

 

The agreement you disclosed is improperly executed, it is not compliant primarily with s61(1) Consumer Credit Act 1974 and the consequences are that as it stands the agreement is unenforceable and requires an order of the court pursuant to section 65(1) CCA 1974 to be remedy this problem. you are invited to make such an application for the said order.

 

Upon such an application i will rely upon the following points

 

The agreement is a fixed sum credit agreement, the rate of interest under the agreement is fixed for the term of the loan, there are no items entering into the charge for credit which are likely to be subject to change or variation therefore the agreement requires a term stating the Total Charge for credit with or without a list of its constituent parts, the agreement does not contain this term and therefore breaches Regulation 2 and Schedule 1 Para 9 Consumer Credit Agreement Regulations 1983.

 

The agreement must as a consequence of para 9, also include a term stating the total amount payable, again this agreement does not contain such information and therefore the agreement also breaches Reg 2 and Schedule 1 para 11 Consumer Credit Agreement Regulations 1983 and therefore the agreement does not comply with the regulations made by the secretary of state under the powers given by s60(1) of the 1974 Act and accordingly the agreement doesn ot comply with the strict requirements of s61(1)(a) Consumer Credit Act nor did it comply with s61(1) © Consumer Credit Act 1974

 

These breachs are clearly prejudicial to me as on entering into the agreement i was not givne the informatiuon that the Consumer Credit Act required to be made clear, i was not aware of the true cost of borrowing.

 

I would further highlight that xxxxxx egg subscribes to the Banking Code, as a requiremento f the code, they are required to lend responsibly and they clearly have failed in their duty under the code

 

my contention is that the court should not make an enforcement order, my authority for this contention would primarily be the case of Wlaker v SPPL in the Chester High Court before HHJ Derek Halbert. however if the court were minded to make an order for enforcement my argument would fall directly upon Rank Xerox Finance Limited vs Hepple CCLR 1994 1 and in this case the court taking into account a single breach of schedule 1 Agrement Regs reduced the amount of debt from £5000 to £500 to compensate the debtor for the prejudice caused

 

in view of this and in view of the fact you require an order from the court to enforce this agreement as clearly set out within the act, and the House of Lords in Wilson and First County Trust 2003 UKHL 40, i would invite your proposals to settle my dispute. i would also advise that i am informed that , i am able to apply to the court to consider this matter pursuant to section 142(1) CCA 1974 if no suitable agreement can be met.

 

however i trust this will not be necessary

 

I look forward to your settlement proposals

 

Sleep well

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fabulous Lilly thankyou. Does the wording there still enable me not to accept liability for the debt? i am very conscious that is almost 6 years since last payment was made.

 

PGH- i have written a quick letter to crapquest stating in dispute, SAR sent to Egg, unlawful to persue when in dispute and that i shall write to them when Egg respond to me. Is that all it needs?

 

meanwhile, i shall bank that letter lilly as my trump card :) i just want to be 100% sure it applies to online stuff to x

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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