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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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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CCA agreement demand-- who from?


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Hi.

This is regarding a debt to LLoyds TSB. I have asked Robinson Way, who are dealing with it, to send me the CCA(s) They say I hAve to contact the bank directly for this, as they have not purchased the debt. Is this true? They went over the 14 days in replying with this.

I think they should do this as they are acting for the bank. I want to dispute charges and interest added to this debt. It's quite a large debt consisting of overdraft and unsecured loans. I also want to look at ppa agreements on the loans. I've got a feeling they have rung the bank and no agreements there. Most of this debt occurred 2004 but I have paid some off. Was paying 5 pounds a month but then thought about looking at charge refunds etc so asked for details.:-(

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If they've not purchased the debt but are merely acting on behalf of Lloyds then I would be inclined to say yes, they are correct and you should forward your request to Lloyds.

 

EDIT...As Heliosfa says below, notice should be passed on by DCA.

Edited by WelshMam2009

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Actually, as they are effectively the OC's "appointed agent", they should pass the request on to the Original Creditor.

 

Additionally, there is section 175 of the Consumer Credit Act

 

175. Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under a regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith.

 

H

Edited by heliosfa

 

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Quote this...

If it is your view that you are not the creditor, section 175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor.

 

 

This is the relevant bit...

 

 

175 Duty of persons deemed to be agents

Where under this Act a person is deemed to receive a notice or payment as agent of the

creditor or owner under a regulated agreement, he shall be deemed to be under a

contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him

forthwith.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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  • 5 months later...

Just to update and thank the people involved on here for their advice. I took your advice. I told them to ask lloyds themselves, and they did, eventually. No cca agreement was available and so, after I sent them the appropriate template letter, they have gone completely quiet on this. In fact they have left me alone. This is a great relief to me, as two years ago they were ringing me three or four times a week, accusing me of being a thief -and what had I done with their money? etc There were times when I only kept going because of the kids. Debt can be so devastating. I lost my job with 2 weeks notice, and couldn't find another one, so suddenly went from £27000 per year to zilch. I wasn't in the plan. I still have a couple of my debts to sort out, and this forum is helping me with those too. I think this forum may actually have saved my life. It certainly saved my sanity,:) and I can look forward and enjoy life once more.

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