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    • 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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Lowell Portfolio 1


nishi
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I have recently received a letter from Lowell portfolio 1 claiming that I owe them £736.33 due to a debt they bought from Sygma bank. This debt, I had thought, had been cleared by a debt consolidation loan, which was fully paid off in january 2009.

They had originally sent a letter regarding this about a month, maybe 2 months ago, and I said I wanted proof. They sent me the current letter along with some copy statements dating back to 2006. 3 of which are duplicates. All of which show only interest for cash, interest for purchases and insurance premium. another page shows ***no description found***

None of the statements provided show an actual purchase I could have made, I;e; a purchase from a store.

I need to know what to do now. whether I can challenge this or not?????

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Hi, nishi.

 

I'll move this thread to the appropriate Forum.

I'll send you a PM.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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no, they havent sent any of that. what would i write in one of those letters requesting one??

 

Their letter is worded as follows...

 

we write in respect of the above debt, which as previously notified in writing we have purchased from sygma bank uk

we are now entitled to receive the payment of the balance of £736.33 from you and enclose a cpy of your statement as requested. neither sygma bank uk nor ourselves are aware of any reason for non payment.

please kindly make payment of the outstanding debt or contact us within 7 days of the date opf this letter to agree acceptable payment proposals, failing which we reserve the right to instruct our solicitor to issue legal proceedings against you without further notice.

yours sincerely...

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Letter N in the templates section here: http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

Send it recorded delivery, don't sign it just type out and print your name, send off and wait to see what nonsense they come back with. In the meantime as the debt is in dispute they cannot take any action and DCAs (Debt Collection Agencies) don't have any powers to do anything anyway, so don't worry we'll see what they come back with.

Ex CAG helper ^_^

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To clarify the 12 days + 2, that's 12 working days plus 2 working days. Don't count weekends or Bank Holidays.

 

Make sure you keep a copy of anything you send, don't sign it, just print your name and always keep the Post Office Recorded Delivery slip - staple it to your letter!

 

 

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Hi nishi

You have to be sent a Statement of Account by whoever "The owner" is

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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grrrrrr :x

Sorry nishi for some reason my message "Sent" before I finished

Yes that's just a Statement so nothing to worry about IMO, your CCA request is another matter

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Just an alledged statement, don it look pretty? CCA request they have 12+2 working days (Mon-Fri) to respond, after account in dispute until an enforceable CCA arrives if ever, also admit to nothing to who ever without posting on CAG o.kay?

Edited by Old Cogger
:mad2::-x:jaw::sad:
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Just an alledged statement, don it look pretty? CCA request they have 12+2 working days (Mon-Fri) to respond, after account in dispute until an enforceable CCA arrives if ever, also admit to nothing to who ever without posting on CAG o.kay?
send this one with your details etc if necessary if not received CCA in time limit, send everything Recorded Delivery you send to any of them.

ACCOUNT IN DISPUTE.doc

:mad2::-x:jaw::sad:
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  • 3 weeks later...

Have you checked to see if they have signed for your request yet? As by my reckoning, if you sent it 1st class on the 1st of Sept, they should have received it the following day, and 12 working days from them gives them till the 20th to reply.

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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How would I check that??

The most recent letter I received on the 14th of September was as follows:

Dear Miss Jones

News on your credit agreement request

We have been in touch with Sygma Bank UK about the copy of your credit agreement.

They have let us know that they are trying to retreive the agreement from their archives.

As soon as we have it we will send it to you

What will happen next

In the event that we cannot obtain a copy of the agreement we will wrote to you again and inform of this. once you have seen your credit agreement we will ask you to pay your outstanding balance in full.

yours Sincerely....

I am now going to send a copy of the "account in dispute" letter...

Thanks for all your help on this by the way. Im expecting twins, and have been saving like mad for my pram. If I have to pay this, then Its making things very tight indeed!

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