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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Strange reply to CCA from Lloyds?


anotherguy
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I'm now in a position to offer an early settlement lump sum to clear some of the debts ive had for many years. Before doing so im checking with each of them that they have an enforcable agreement.

 

On Oct 13th 09 I sent the standard CCA request to Lloyds TSB along with £1 payment. Finally, last week on the 9th Nov 09 I got their reply stating they had not received enough details from me to find and process my request? They have returned my CCA request and payment for £1 and asked that I resend it with an up-to-date home adress, any previous addresses and card numbers relating to the debt?!

My original letter already had my correct home address on it (and at any point when i have moved they have been informed), it also had the reference number relating to the alleged debt. I have no idea what the card number is or was, surely they should have that information? (ive not had the card for well over 6years) and its not up to me to provide them previous addresses they should already have?!

If they cant trace the debt from my name, address and their own reference number then I'm asuming they will have to write the debt off?

 

Their letter finishes by saying that if i would still like to make a request pursuant to section 78 of the CCA, please write with the appropriate authorisation to: Lloyds Banking Group... e.t.c Brighton.

 

I feel no obligation to resubmit my CCA request when it was done correctly the first time. How do I get closer on this since it is already in default, and it would appear they do not have any sort of signed agreement what-so-ever?

 

thanks

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either write it off yourself by ignoring them:D, or send a sar for all info held about you, if they then return that with the same excuse then I would keep that letter very safe and if in the future some idiot dca comes on the scene simply send em a photocopy of it

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I'd really like to clear the debts one way or another if possible? Can i not get them to state they do not have the required agreement and the debt is written off somehow?

Like I mentioned I how some funds available now to pay off some of my debts, not enough for all of them though. I'd like to get my credit rating back in order. I was hoping to pay those that can provide an enforcable copy of an agreement and get the the ones that cant written off?

Is it really just a case of leaving it with the creditor and forgetting about it.

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If you want to make f&f offers I would have thought you'd have more success in making offers to all your creditors and show each of them the amount of debt you have and the pro-rata amounts you are offering, then they will see that all of your creditors are being treated equally, don't forget to have a third party make these payments for you.

Don't send payments until you have it in writing that the debt is satisfied and that your credit file will be updated.

 

 

Just my opinion, so please seek proper advice.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I sent the CCA to Lloyds comsumer debt recovery dept, the same place that made me the early settlement offer, so its up to them where they want to send it after that?

 

Hardupnotfedup, that seems like a good idea. One question, im assuming I get a third party to pay it so theres no admission of the debt??? Can I get a family member to pay it?

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