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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 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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Cap 1 CCA and SAR response ?????


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Hi all

 

I have decided to start a new thread for Cap 1

like so many people, we have found ourselves in financial hard times

we have a mortgage which is up to date ( for now )

our debts are all with credit cards

after trying to come to arangements to pay reduced amounts

having some succes and some that wont even consider it

i stumbled on this site and spent a few days reading threads from people in the same boat as us

 

to cut to the chase

i have sent CCA and SUBJECT ACCES REQUESTS

to all our credit cards

they were all sent on 03/03/09 recorded signed for 1st class

 

i received back a copy of all statements for the SAR (although there was 1 month missing)

i am going to ask them for the missing month and some other discrepencies on my account

 

i did receive this in return

 

cap1pg1.jpg

 

 

cappg2.jpg

 

cap1pg3.jpg

 

cap1pg4.jpg

 

after some very helpful advice from other members

i sent them a faliure to comply with cca request letter stating

Terms and conditions do not satisfy my request and they have sent their current ones, not the ones that relate to when I took the account out.

 

Bellow is the response to that letter

 

Cap12ndreplytocca.jpg

 

Cap12ndreplytocca2.jpg

 

Cap12ndreplytocca3.jpg

 

 

could anybody offer any advice on a good reply to this??

 

they say i clearly have an enforceable agreement

 

they are refusing to stop processing my data

 

any thoughts

 

also i am going to be reclaiming charges and missold ppi but i need the missing month statement to calculate the amount.

 

thanks in advance for any advice

 

DH

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Hi DPH,

 

Good thread i for one will be keeping an eye on this thred as i to have been trying to get a CCA from cap 1.

 

All the letters they have sent you and the alledged agreement is identical to all the letters and info they sent me, this is not a true copy of your CCA. I have done a SAR to find out if they do have a CCA.

 

good luck and let me know what else you get.;)

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Hi Uncle Buck

 

these forums are great

knowelage is power

i have also sent them a SAR and got back copies of statments only

do you know if they have to send a copy of the cca with that

also do you know if it has to be a signed copy executed etc?

 

i am waiting for them to send me the missing month so i can work out the amount i am going to be reclaiming (it wont be far from what they claim i owe)

 

kind regards

 

DH

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i know,the forums are great, i like yourself are still at the learning stage but i understand that by sending you only statements they have not complied with your SAR request. They should have sent you copy of your CCA, but i have recently read on other threads it is not unusual for them not to send it, as they probobly havnt got it;).

You have to decide now what to do next, i have decided that i am not going to chase anymore if they do not send CCA in my SAR. i will sit it out and if necassary go to court if they do not produce it then it is unenforceable, a judge will also see you have tried to avoid getting to this stage by your numerous attempts to see you CCA.

There is one more letter that you may want to send it is the "extra 21 days letter" and it basically says "you must realise this is not a CCA i will give you a further 21 days to comply or consider the matter closed" or words to that effect. if you do want this i will try to find it on here and post.

good luck with the reclaim

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hi all

 

i am sending Cap 1 a letter regarding the sar

asking for more info, teh missing month's statment and a copy of the cca

( are they alowed to send the same cca for a sar that they send for CCA Request? ) or does it have to be a copy of the actual cca??

 

also i want to reply to their last letter about th cca

they are saying account is not in dispute etc

also they are refusing to stop processing my data (s10)

is this correct?

im going to tell them again that the account is in dispute

not only because of the lack of a correct CCA

but i will also be claiming unfair charges and missold ppi plus interest

but i am waiting for a response from them regarding the missing months

in the sar they sent

 

thanks in advance for any advice

 

DH

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Send them a letter before action listing the items they have NOT sent in answer to your SAR Edit this one - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178660-blackheath-loans.html If they don't supply all your documentation then you could take them to court where you would be awarded compensation like this cagger did - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/49571-havinastella-lloyds-tsb-3.html

 

If they still cant send you a copy of your CCA then try this - http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html - with this end result - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165349-smt37-morgan-stanley-goldfish-3.html#post2119750

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