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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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a&l no reply to cca


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hello i sent a&l a letter saying i would like my cca i sent letter r.d also sent the £1.00 fee.

i got a letter this morning saying they will accept our temp payments until august nothing was said about our cca request the letter says

this arrangement has been granted without prejudice to our rights under the terms of the agreement which will remain in full force. as the account will be in arrears, this will reflected in your recourds with the credit reference agencies.

i dont no what to do now

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  • 3 weeks later...

hello i have 2 loans with a&L i sent off budget sheet and let them no what i could afford at moment since lose my job i then sent them both a cca request i got one back but not the other i sent reminder about the 12 plus 2 day deadline and told them they had a further 30 to reply and still nothing what do i do now these loans are just over 2 years old and were apply through the post

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Sorry to intrupt CB can you look at "Andy01 V Rbs1997" please

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  • 2 weeks later...

hello i got two letters off a&l this morning one letters date is 15th of july and is a notice of sums in arrears

the other dated 16th july says that a default notice will be issued in 28 days time

there is no mention of all the letters that i have sent cca request 5th may with £1.00 p.o

then a default notice on the 10th june the last letter was part pre action protocols 31.16

what do i do now help i am getting very worried why dont they just send me the cca that i have asked for

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  • 3 months later...

hello please could someone look at what i got in the post from a loan that was taken out

 

dear

 

acc number

ballance

arrears

 

we are writing to advice you of our intention to register your account as being in default of the original terms of the loan agreement.

 

notice of default will be issued in 28 days time. should the corrective action not be taken, we have the right to register the notice of default with the credit reference agencies and this will seriously affect your ability to obtain credit in the future.

 

please telephone

 

an administration charge of £25.00 will be applied to your account. this amount, if not paid sooner, will be payable of the outstanding balance when you settle your loan.

 

 

i have been defaulted with the credit ref agencies a couple of weeks ago for another loan that i had they never sent me a default notice or anything were do i stand the loans were taken out in may of 2007 i did cca and everything seems ok with them please could someone have look and give me some advice please thanks

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Hi,

This sounds like a notice of default as opposed to a default notice (subtle difference)

 

Aside from it being another money making scheme, they are giving you the opportunity to bring your account up to date before they issue you with a formal default notice.

 

hope that helps

 

fox

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  • 3 months later...

They have sent you a defective DN, they have not allowed for postal service which is assumed by the court to be four days so the notice is 4 days short. Because they've terminated the a/c it is 'unlawful rescission of contract' so legally all they can claim are the arrears.

 

You could tell them to read the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983, and that a failure of a Default Notice or Termination Notice to be accurate not only invalidates such notice (Woodchester Lease Management Services Ltd V Swain & Co NLD 14 July 1998 but it is an unlawful rescission of contract which would not only prevent the court enforcing any alleged debt (Wilson V First County Trust Ltd [2003] UKHL 40, Wilson V Robertsons (London) Ltd [2006] EWCA Civ 1088, Wilson V Pawnbrokers [2005] EWCA Civ 147) - but would also give the claimant (you) a claim for damages in the sum of £1000 (Kpophraror V Woolwich Building Society [1996] 4 All ER 119).

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

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