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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Nationwide CCA received - help please


Jacky202
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Hi,

 

Nationwide have recently got back in touch with me about my credit card debt (about £4500). I requested a CCA about July last year. They sent the form I'd filled in for the credit card, but not what anyone here thought looked like a credit card agreement (see previous posts in this thread). I replied with a letter that Clemma posted here - saying I do not acknowledge this debt. Since I last posted there's been silence from Nationwide.

 

Now they are contacting me through CCS Collect saying the following (typed as scanner out of action):

 

'Our client Nationwide Building Society has authorised us to recover the full amount due to them.

 

We regret that if we do not receive this payment within the next seven days or an offer to pay by instalments that we are able to accept, we shall have no alternative but to take action through the Country Court to recover the amount due together with court costs and legal fees.

 

If Court action is taken and Judgement and a Court Order is made against you to recover the sum due, we may need to ask the court to make the following orders if the debt remains unpaid:

 

- Warrant of Execution. seizure and sale of moveable property by a Country Court bailiff

- Attachment of Earnings. Deduction from your wages by your employer

 

Payment options are set out overleaf or alternatively call us now on .... to pay or agree a repayment planwith us.

 

Yours sincerely....'

 

So my questions are:

 

1) How do I respond? Should I resend the original 'I do not acknowledge this debt' letter, but to CCS Collect this time?

 

2) Can I be sure that I'm in the right - that they don't have a proper agreement? I've not done this before and am rather nervous at the prospect of going to court.

 

3) Should they have got CCS Collect involved? Does this mean they have passed on my debt? I think someone said they wouldn't have the right to do that because the account is in dispute... or something...

 

Hope someone can help as I'm quite worried.

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Hi beautiful girl

 

The first thing is don't panic, you are not alone, the people here have loads of knowledge and

are very helpful.

 

The second thing to do is set up your own thread, i.e.

'beautiful girl Help needed' in the Nationwide area,

Here are some questions and answers:-

 

The Consumer Forums - Is your bank taking away your subsistence money?

 

Also you can find template letters on this site, you can adjust them to your individual situation,

 

The Consumer Forums - Debt collectors

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates.html

 

Also have you got any default charges which you can try and claim back with compounded contractual interest?

 

Also if you click the 'red triangle' then a member of the site team will respond.

 

If you get a default notice just scan and place it on the thread without all your personal details

the guys here can advise you on the merits of it.

Edited by rebel11
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