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    • You were given this PCN because you overstayed not because you went to Starbucks or MaccyDs from the other car park. I assume therefore that the parking time is only 30 minutes as you were recorded as being there for 38 minutes. Given that there is a Consideration time and a Grace period  as well as the time between their photographs of your car arriving and leaving one wonders why they gave you a ticket. Force of habit I suppose. Because they are on airport land which is governed by Bye Laws that supercede PoFA we do not usually look at their PCNs there because in none of them can the charge be transferred from the driver to the keeper  as would normally happen after 28 days if the charge is unpaid and the land is not subject to Byelaws. In your case as they have failed to specify the Parking period  which is the time car is spent actually parked in a parking space not the bit that they include which is driving from the entrance to the parking space and the other bit from the parking space to the exit. As that reduces the lawful time you were actually parked I would suggest that they have breached your GDPR.
    • I believe it to be, yes. no payment or acknowledgement of any debt to them since Feb 2018
    • Original credit agreement for them to prove the debt. Post 2 is the pro rota, I did this to the Original creditors sometime ago with offers of payment i got no reply, soon after the dca started sending me letters and phone calls. Thanks 
    • and another low spot for investment in Brexit UK (I dont give a monkeys about the bank) Coutts prepares to de-bank Britain At an event this week the bank’s chief investment officer Fahad Kamal said: “Currently, about 20 per cent of a standard balanced portfolio here is UK stocks, which is something of an anachronism. “It would be closer to three per cent or four per cent if it were more commensurate with the proportion of UK stocks in global stock markets. So this is a recalibration. The 332-year-old lender, which has King Charles as a client and, until recently, former UKIP leader Nigel Farage, will transfer £2 billion from British funds into overseas investments, reinforcing the “inexorable trend of outflows from the UK”, Charles Hall of investment bank Peel Hunt said. Coutts prepares to de-bank Britain WWW.THELONDONECONOMIC.COM "This is a large transfer of assets from the UK to global funds, which reinforces the inexorable trend of outflows from the UK."  
    • another high spot from the locals Ten candidates managed to avoid the indignity of losing to Count Binface in London - but Nick Scanlon of Britain First was not one of them.   Oh dear! Britain First in meltdown after LOSING to Count Binface WWW.THELONDONECONOMIC.COM Ten candidates managed to avoid the indignity of losing to Count Binface in London - but Nick Scanlon of Britain First was not one of...  
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amex cca help


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Wonder if I could get some advise..

Recently after failing on hard time after being with Amex for near on 10 years, I missed 2 payments, called them explained circumstances, and agreed a time line with them to catch up with those 2 payments, came of phone beleiveing all was fine.. 2 days later call from RMA telling me my account had to closed and sent to them (no formal notication for 14 days from amex) and very agressive manner, and the amount have doubled...

 

Anyhows after doing some research on net, sent a CCA letter recieved standard reply back (dated) on July 17th informing me that prepare the info's with 12 days.. which is no overdue.

 

So I now dont know where to go from here (all the calls and hassling have stoped now from RMA) since the CCA went in...

 

So my questions are..

1- Do I need to do anything as the CCA hasnt been sent.

2- I undertsand that if a CCA isnt produced they cant enforce the allegded debt.. Is this true, if not what process' can they take...

 

I'm self emplyed, so concerned any perosnal issues may effect my livelyhood and that banking/credit facility.

 

Thanks Pab

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a failed cca request just means the debt is unenforcable in a court of law till an enforcable cca appears, it does not make it [sadly] written off.

 

i would be inclined to write to Amex [don't use the phone - all co's promise the world but very few ever agree to what has been arranged by it] outlining the agreement on missed payments & asking them the current status of it from their side.

 

if in the meantime one of your agreed payments is due i'd send that too.

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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Should I correpond with RMA or Amex ? Also there no payment due as I haven't had any statements from Amex since I have been dealing with the RMA...

 

I havent got any agreed payments my understanding was it goes pending until the CCA is produced, but maybe I have misundestood this...

 

I'm slightly confused so any help would be appreciated of how to best move forward..

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RMA have failed the cca test.

this does not mean the debt goes away.

 

i would write to amex, you are not disputing the debt [i hope] just confused about who to pay.

 

might even not be a bad idea to SAR them

if there are charges and PPI they could be a goldmine in reducing the outstanding balance.

 

you still need to find out the status in ames's eyes, if no-one told you the a/c HAD been sold, it could be RMA were just chancing their arm with you.

 

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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