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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ocraz775 Advice please.


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Does anyone know if, when a credit card company hands over your account to a service like westcot, if you still have the same rights to claim unfair charges they slap on at an incredible rate? Do they have to respond to the same "Unfair charges" letters, and send you a copy of statements etc? Furthermore, when westcot then sells on to another company and they charge you even more, is this legal? Here's hoping someone out there has some advice for me. Many thanks.

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Any advice I give is honest and in good faith.:)

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I think I am correct in saying that your agreement was only with the credit card company and you only have to abide by the terms in your agreement with them.

 

Have you ccad them to see if they have any agreement at all?

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dca's cannot add charges nor interest. full stop.

 

sadly one of wescotts fav tricks

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think I am correct in saying that your agreement was only with the credit card company and you only have to abide by the terms in your agreement with them.

 

Have you ccad them to see if they have any agreement at all?

 

Sorry to sound like a plank but what is a ccad?

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Send a CCA request to the DCA.

 

They have to provide A TRUE copy of your original credit agreement within a fixed timesacale (12+2 days) and if they don't, they have to cease collection activity until they provide it. It is this that sets out the terms and conditions of your agreement with the original creditor. It costs 1 pound and don't sign the letter.

 

Post up on here what they send back to you, and no doubt soemone will be along who will be able to tell you why your agreement is unenforecable (that's if the DCA provides it at all)

 

It's a mechanism to put them on the back foot and get you in control of this ridiculous situation:)

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Hi Ocraz,

Welcome :)

Regarding your original question..if your original Credit Card company imposed unfair penalty charges on your account, then regardless of whether it's been passed on to a DCA you can still claim those charges back..it's your money and may even negate the debt if there's a lot.

The process for this is started by sending a Subject Access Request to the original company, along with a POSTAL ORDER for £10. Print your name, don't sign (as with the Consumer Credit Agreement request). Send by Recorded Delivery and keep receipt as proof.

They have 40 calendar days + 2 working days to supply all the data they hold on you, including statements.

Well done for taking control :)

Elsa x

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The only restriction is that you cannot reclaim unlawful charges older than 6 years ago, because of the Statute of Limitations.

 

Unlawful Overlimit and Late Payment Charges can be reclaimed from the credit card company who imposed them, not from Debt Collection Agencies who bought up a bad debt. They can also be reclaimed for an account already fully paid up and closed. This is well established in principle and in practice times beyond count.

 

Not sure which card you refer to. Egg returns a stack of paper one-inch thick, most of which are of no interest. It probably takes them half a man-day to collate this info, and often all of 6 weeks and more, so for their own advantage they offer claimants two other options if the claimant agrees: £5 for past statements only, or £5 for a list of disputed charges only. The last two lists will come much much faster, the full statements preferable to the charges-only list.

 

CCA request at a cost of £1 is for those who try to dispute if an agreement was ever legally enforceable. If you have no appetite for wrestling then this is unlikely to be for you.

 

Very best wishes. ;)

 

 

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