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    • 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.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Vanquis Bank CCA request


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Hi all, I'm new here so please bear with me if I post something wrong. Fabulous site by the way!!

 

Anyway down to business:

 

Back in February of this year I did a CCA request on Vanquis. They sent me back a letter containing a copy of some statements and what they said was "a copy of the executed agreement being the Vanquis terms and conditions" and also "a copy of the latest notice of variation relating to agreement". Basically a photocopy of their terms and conditions, but didn't even mention my name, address or have my signature on it.

(For information purposes I opened the account in January 2007 and I think it was over the internet)

Since doing the CCA on them, I also managed to reclaim about £300 worth of charges. Since then they've clobbered me for a load more charges and jacked up the interest rate to above 54%.

I've not made any payments into the account since February as they didn't reply to my letter about ratejacking.

I've also received three or four letters from Impact collections (Vanquis in house collection team) offering me over 50% off my balance if I repay in full before certain dates. All of which I ignored as they didn't reply to any of my letters requesting them to cease all charges and interest on the account and to set up a repayment plan with them!!

Then back in June LCS solicitors (I think they're in house solicitors) sent a letter requesting payment in 14 days on behalf of 1st Credit. I ignored this as well.

A couple of days ago I received a letter from Creditlink Account Recovery Solutions C.A.R.S. I've just CCA'd them and told them I don't acknowledge a debt to them.

What should I do now? Send another letter to Vanquis stateing they have not fulfilled a CCA request.

Any suggestions would be gratefully appreciated. I'm more than willing to fight them all the way!!!

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi guys, I sent off the "in dispute" letter to C.A.R.S. on the 27th July. Just received a letter from them today saying they're going to send an agent round to the house "to establish a reason for non payment". Their letter is dated 28th July.

Is it worth sending them another letter or should I just ignore them. Would it be worth sending a copy of the trespass letter to them? Is it worth getting a video camera set up, just in case they do pop round. Any advice will be greatly received. I have no problem with calling the police round to remove them from my property.:D

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Send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

IF they turn up, which is doubtful, ask them to leave. If they don't then phone the police on 999

 

Plus what HS said - sorry HS, crossed posts :D

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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  • 2 weeks later...

Just got a letter from C.A.R.S today saying they have received my correspondence, but unfortunatley it contained insufficient information for them to resolve the matter. It also adds that they have decided to suspend proceedings against me for 7 days so that they can collate further information and that they require me to cantact one of their recovery specialists on a nice highly pricey 0844 number.

Any suggestions on the next course of action? Do nothing? Report them to the information commisioner? Any suggestions greatly received!!

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Bloody plonkers....the letter you sent them was telling them the account was in dispute yes?

 

Well what other info do they need? Ignore them, irritating imbeciles, another outfit drawing wages under false pretemces.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 9 months later...

Well almost nine months have passed and i've had peace and quiet! Untill last Saturday morning when a notice of assignment dropped through the door. Apparently they've sold the debt to Arrow global, who in turn have got wescot working for them. Now call me stupid but if the account is in dispute surely it's illegal to sell it and pass on information to a third party. Anyway i fired off the old account in dispute letter to Wetclothes a couple of days ago telling them to return it to Vanquis. Is that all I need do, or should i go and report Vanquis to the OFT, Information commisioner etc etc?

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No No No! You MUST ALWAYS complain about DCA's to the OFT&TS, the FOS, BBC Watchdog your local MP and even the local press!

 

Any one you can think deserves to get the complaint also...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Vanquis Wetcloths, they're all the same, miserable low life puerile tin pot outfits feeding off other peoples misery to live a deluded materialistic existence.....I'll check and see if I haven't got the Pope's address too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Vatican,Vatican City, Rome, Italy.:madgrin::!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Just to keep everyone updated, got a letter from Wetclothes the other day saying there client had sent them instructions to withdraw the account and that I would not be hearing from them again!

I think I might be up for a bit of peace and quiet at last.

Thanks everyone for your help in this matter:whoo:

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Great, but please don't be shocked or worried if this crops up again these

banks etc. will shut up for a while then sell the debt to some other lowlife further down the food chain.

If it shows up just qoute what you have been told by Wetcloths, no proof no pay.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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