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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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what should I do now - if anything


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The problem lies with previous lack of pressure from the relevant bodies, as with pretty much all financial institutions they are bound by a certain amount of red tape....... the trouble is they've spent so many years telling the powers that be what the cost is to their business and why they must budget for this when setting interest rates etc that they've now become a little unstuck as the recession bites and a larger proportion of clients are pressing for data they are legally entitled to.

 

First thing everbody does when the purse strings are tightening is to check every penny on every transaction, whether it be bank account, credit card, utility provider or the weekly shopping bill.

 

I have absolutley no sympathy for a business that presents a cost (which we all bear as customers) but refuse to staff accordingly to effect their obligations in relation to that same cost.

 

I can only guess that they've taken a commercial risk to continually frustrate requests for data and operate on a skeleton staffing arrangement.

 

Like I said....... Tardy (with a U) :D

 

Gez

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Oh dear. Cap1's time to respond to my SAR has expired. Which leaves with 2 questions.

 

(a) What do I do now - if anything?

 

(b) What are the implications on the alleged debt?

 

I'm wary of going to Court, due to one of the cases (can't remember which one, but basically the onus of proving a point was on the 1st party (can't remember the correct term), not the respondent.

 

So, any further advice please?

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Thanks DD.

 

It's 70 days since letter was originally sent, and 48 days since cheque cleared through bank account.

 

I think the letter at post 246 (LBA) basically says just that, the extended deadline given to them was today (I've just read back, and realise it was suggested not to actually take any action till 28th). So, in reality, they will get the 7 days even without another letter.

 

Looking at other threads, it seems I'm probably at the point of expecting letters from Debitas (did I read somewhere that this was Cap1's internal DCA?).

 

I shall leave it the 7 days before filing a complaint - I think that's reasonable.

 

Now, I need to know how to proceed further with the possibility of getting Cap1 to accept that if they can't provide the required information to allow a Court to enforce the debt, then they are better negotiating with me for a settlement. Any ideas please? Or if you think there's a better (financially) option for me to take, i'd welcome suggestions.

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Had a default notice today too. Shall scan and post later when I've a moment.

 

They've obviously told me my account is no longer open - if only I'd known that, I could've gone and used the remaining £10,000 available before we got to this stage :grin:

 

 

ps - just in case, I am joking ;-)

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Not a clue what the numptys are up to, pretty sure they havent either :rolleyes:

 

So... accounts been punted off to a DCA for collection with no DN being issued?

 

Now the DCA has their mitts on it a DN suddenly materialises so the accounts not actually been in default until today.

 

Aaaaaaaand, whilst this has been going on they steadfastly refuse to comply with a DPA request.

 

Think someone mentioned earlier what a bunch of dunces they are ....... and if they didnt I believe I just did :D

 

Gez

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They sure are Gez - I just don't know what to do next. :confused:

 

I've looked in the template letters section to see if there's anything I should send, but nothing stands out to me.

 

I'd like to stand my ground but am worried about the full consequences of it all. They've never managed to supply a full and proper CCA, so strictly speaking (I think) they haven't got my agreement to interest, charges, passing on information, etc - that's if I understand things right.

 

I know I can't totally avoid the credit file being trashed, but would like to minimise the damage as much as possible.

 

Any ideas?

 

The thanks to you and others goes without saying ;-)

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Hi Flooz

 

Difficult to say without sight of the DN first....... is this the first one issued on the account?

 

As for the DCA (whoever they are) ignore 'em, you've already registered a dispute with Crap1 so they shouldnt be playing pass the parcel with it.

 

Whilst its true they can send demands they have no legal standing to enforce so why waste time and postage costs on them.

Anything you send them will be presented to the OC and as they're not sure who you say your are it'll get ignored anyway :rolleyes:

 

If you're not keen on enforcing DPA compliancy then you could ask the ICO to intervene..... it may take a while but you'll have a record of attempting to resolve dispute and a record of Crap1's obstructive behaviour.

 

Gez

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I've previously had the 'unless you pay, we may .... blah blah' letters, this is the first on the has actually said the account is terminated. I'd just always assumed there was a stop on it as soon as I stopped the payments.

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Hi Flooz

 

Think we'll have to await the results of the DPA request, assume thats why they're so keen to obstruct you.

 

Ping an e-mail off to the ICO in the morning and see if they can get them to budge, failing that you can still file against them. As they are so assured of their latest demand for payment theres no excuse for their obfuscation in denying you the data previously requested.

 

Gez

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Hi Flooz,

 

Your DN (post 206) dated 21/2/10 gives 28 days to remedy, states that if not paid, they will terminate and issue a statement of default. That is what you have just received.

Just a little later than promised! :)

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Just checked my file, my DN was from 9/11/09 and like yours gave 28 days. The SOD (i'm not swearing!) was sent on 13/12/09.

 

My next letter dated the same day was from Debitas, then another from Power2Contact.

 

Be prepared P2C did knock my door, twice! OH sent them away and have not been back since and I had to send a couple of letters to Debitas before they took the hint.

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Hi Flooz

 

E-mail addy below... very helpful young lady by the name of Louise Macdonald assisted me in the past (hopefully she is still in the same department)

 

[email protected]

 

It may of course be prudent to use the formal route of the ICO's website to effect a complaint.

 

Gez

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Well, as you know, Cap1 are well out of time for the response to my SAR, they are still harping on about the lack of a signature. Are the ICO likely to agree with them (despite the required signature being on a personal cheque which has been cashed)? I feel a bit silly now withholding the correct signature, but their consistent obstruction made me dig my heels in.

 

I do believe they are being deliberately difficult, but perhaps I shouldn't try and match them ;-)

 

Obviously I need to make sure i'm 'squeaky' clean, and if the ICO tell me to provide another signature, then I shall do so.

 

Will the ICO make them response to my SAR if they are satisfied with the signature on cheque thingy?

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Sorry Dotty, missed your post while I was typing mine. lol.

 

If anyone comes to visit, i'm going to have a hard time stopping them come on to the premises - it's a public house. Although I don't think that would give them the right to enter the private residential areas.

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Well, as you know, Cap1 are well out of time for the response to my SAR, they are still harping on about the lack of a signature. Are the ICO likely to agree with them (despite the required signature being on a personal cheque which has been cashed)? I feel a bit silly now withholding the correct signature, but their consistent obstruction made me dig my heels in.

 

I do believe they are being deliberately difficult, but perhaps I shouldn't try and match them ;-)

 

Obviously I need to make sure i'm 'squeaky' clean, and if the ICO tell me to provide another signature, then I shall do so.

 

Will the ICO make them response to my SAR if they are satisfied with the signature on cheque thingy?

 

Hi flooz

 

Build up a set of docs that supports your case and report these and only these to the ICO, ie your SAR, their CCA response, your reminder, their DN, your 2nd reminder, their termination, staff at the ICO are only human and will act upon supporting evidence ;)

 

You really have to learn to play them at their own game :eek:

 

Gez

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CCC's have addled my brain.

 

This is not the sort of detail I would normally forget!

 

lol........... shame on you for forgetting the important things in life - says he, cuddling a bottle of finest Morissons ZA merlot :lol:

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:Dhonestly, what are you lot like ;-) the mere mention of alcohol.......

 

I shall be putting together my case to the ICO tomorrow - it'll keep me busy for a while.

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