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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Barclaycard/Goldfish/Egg


kate999
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Firstly I apologise to anyone that has previously helped me on threads and I seem to be asking the same questions again.

Could anyone please advise that I have got my facts straight before I start claiming back charges and missold PPI.

 

Between my partner and I we have 6 credit cards that got defaulted in 2004 and passed to DCA's. This was due to both of us loosing our jobs when I became disabled and my partner became my carer and helped to look after our children.

 

We have had arrangements since 2006 with all these creditors that are now with different DCA's. I have SAR all of the DCA to try and get as much information as I can and to see if they officially own the debt. As I do not have copies of the Notice of Assignments. From what I can understand so far I believe that they do. (HFO/Aktiva Kapital/Turnbell Rutherford etc)

 

I will also be CCA'ing them all (DCA's) tomorrow to see if the debts are enforceable.

 

Working on the assumption that they do all own the debt and I want to try and claim back all the charges/PPI/Interest that the Original Creditor placed on the account before the defaults and the account and charges passed to the DCA's, do I need to then SAR the Original Creditor ie - Barclaycard and claim the charges from them? The reason I am SAR'ing them is that we no longer have any of the original statement.s Once I have these I will be able to calculate all the PPI payments and charges.

 

Please Please Please can people confirm that I am following the right process. I am really sorry if I am asking repeat questions. I just need to make sure that I am claiming from the right people.

 

I have spent scores of hours reading through this site, and the advice I have had has been amazing! I am just struggling to find examples of people wanting to claim back charges etc when the account has been sold to a DCA.

Many thanks in advance!

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

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Yep, send the SAR Request with £10, they have 40 days to respond to your request. If you don't get all the documents, send a follow up letter

listing the missing documents. You are not bound by the 6 years, you can claim beyond 6 years providing you get the statements. Claim contractual interest on all PPI and penalty charges. Your claims are against the Original Creditors.

 

Just to let you know, I sent Barclaycard a SAR request, they sent everything except the CCA, I sent a follow up letter, they sent me a copy of an application and told me they had nothing for the other account. Your call, but might be an idea to SAR them first, you might get lucky, because far as they are concerned all your doing is claiming back your charges. If they can't provide CCA you can CCA Request them later.

 

'do I need to then Subject Access Request the Original Creditor ie - Barclaycard and claim the charges from them?'

Edited by rebel11
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Fantastic Rebel - Least I know I am nor heading on the right track!

Enjoy Your Bank Holiday - Not that they need one!

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

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Will Do Rebel - Thank you for your help today ;)

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

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Hi Kate,

 

Just to confirm, unless you know for sure that a debt is now owned by DCA, you would always send the SAR to the OC (original creditor).

 

So, if you've not had a Notice of Assignment, go to the OC with your SAR.

 

While waiting for the SAR responses, read up on how to claim interest at the higher (contractual) rate on both CCard penalty charges and on PPI. The interest Tutorial in my signature is very useful.

 

:)

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