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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Help withl lowell


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Right me thinks file it with others and wait see there next move then , but i do notice they seem to send some from leeds and some from bristol ? . , lettters seem to be every 2 wks at the moment , what happens after Hamilton legal i wonder ? anyone with any thoughts ?.

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Right me thinks file it with others and wait see there next move then , but i do notice they seem to send some from leeds and some from bristol ? . , lettters seem to be every 2 wks at the moment , what happens after Hamilton legal i wonder ? anyone with any thoughts ?.

 

I have read on other posts that Lowell have been using other postal addresses

Could be they're trying to make themselves look bigger than they really are . . again :razz:

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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  • 2 weeks later...

Hamptons legals today !!!!! want to offer me one final offer to resolve the matter amicably wow how nice of them lol .... i can have 50 % of whole debt if i pay it in next 10 days or pay them £ 40 a month. They say they wont write to me again !!! omg please dont lol , so they going to decide what action to do to recover the debt , Now i take this is a sweetner to get me to make contact with them ? plus this time the letter is to madam instead of my name ? File in the ignore box again guys ? many thanks for your advice guys ................. cat x

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Hamptons ARE Lowell, the fact that they have offered you a 50% discount is indicative of their lack of paperwork evidence or CCA, game over.

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 fact that they have offered you a 50% discount is indicative of their lack of paperwork evidence or CCA...

 

not necessarily. imo. :-)

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Well as this debt is for a store card which was took out in 1998 , not payed a penny to for years ,one wonders what paper work they do have ? .. There very good at what action they may take but never we will do this? ................ thanks for ll you thoughts again guys x

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.......one wonders what paper work they do have ? .. ....

 

exactly. you haven't done a cca, cpr, sar request etc so there's no real indication as to what, if any, doc they might have that could be enforceable, unless you now know for sure that you did not sign anything at the time that c/b enforceable. i was suggesting (perhaps pedantically :-)) that some dca's may still offer a 'discount' near the 'end' of their 'activities' despite having the correct 'paperwork', or thinking that they have the correct paperwork. :-)

also as you say it is nearly statute barred, perhaps they realise this and are trying to get some money off you before it is.

Edited by Ford
typo
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IF they have all of the documents required and in order, then they would not offer any such discount, after all they have the evidence in front of them to take you to court and recover the full amount, offering a discount merely suggests that there is something amiss and they know they wouldn't be able to recover the full amount, therefore offering a discount in the hope of retrieving something.

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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well i agree they had years to take me to court !!! am quite sure they have more letters to send yet but am not going to respond to anything with out asking on here first , oh and what does subbing mean please ? re comment from page 3 ? thanks again guys cat x

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subbing mean subscribing to thread so they can follow what happens.

We could do with some help from you.

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  • 1 month later...

Letter recieved to day this time on behalf of lowels . This time Buchanan clark +wells ?. Nice red heading ,. formal demands

We have been instructed by lowel to recover the over due debt of £ 428.32 on there behalf .

Our clients have informed us that they are unaware of any legitimate reason for non payment whilst they would prefer anamicable settlement they will not hesitate to commence legal proceedings ( big heavy black printed ) if necessary . then usual what will happen if i get taken to court ,. now should i still ignore or not this is a 12 yr old debt which has not been paid in yrs so could be sb or very close to .... i have not responded to any of there letters ever , so do i cca them or just file it with the others ? many thanks as usual .

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BCW are just rubbish threat monkeys that send many letters and make loads of phone calls for a few months, before giving up. If Lowells have allowed the debt to be passed to another company, it means that they have given up.

 

Suggest that you ignore or send them a letter asking for proof, i.e. CCA and statements of account. It is up to you. It depends whether you want to waste money on postage and then get no response.

We could do with some help from you.

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Well the tone of the letter there making out there lawyers , i see its just seen there another debt company ? there making out there dealing on it as lowels legals etc lol Well i guess may be sit tight and wait for there next move ? i have done have you suggested and never replyed to anything ? Creation had the debt was took out coming up to 13 yrs now ....

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Well the tone of the letter there making out there lawyers , i see its just seen there another debt company ? there making out there dealing on it as lowels legals etc lol Well i guess may be sit tight and wait for there next move ? i have done have you suggested and never replyed to anything ? Creation had the debt was took out coming up to 13 yrs now ....

 

BCW are not just debt collectors, they are rubbish debt collectors, who are at the bottom of the food chain. They are a bit like Mackezie Hall in that they do a lot of barking for a few months and then give up. They just get the debts that other debt companies have not managed to collect on.

 

If you think about it, if this debt could be collected by using the courts, they would have done so by now. This debt is either statute barred or will be very soon and they don't have the necessary documents to enforce.

We could do with some help from you.

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phew thanks , have to say this letter seemed the most pushy.... They dont have my land line changed that ages ago nore my mobile , i learnt never to give either out for anything now .... xx

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  • 1 month later...

buchanancclarck+wells There back this time with Legal notification . we regret to note your outstanding debt with lowel remains owing and due .You were informed in our prevous correspndence of the potenional impending court action . As a failure to contact us and agree a resolution of this long standing matter we must advise you that we are left with no opiton to proceed with a (in massive black writing ) PERSONAL VISIT BY DEP INVESTIGATION OFFICER to you home address . to avoid this please make payment or contact etc . now i have a long term ill child i really dont want some body turning up at my door ! Is it time to cca them now or ignore still there really stating to worry me now , any advice on what steps to take ? this is a debt i no will be sb soon and i took the creation card out in 1998 .. many thanks as always cat x

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Doorstep visit letter below - you can send it to them or keep handy if anyone calls, I actually doubt if they will. A CCA request may see them off or you could continue to ignore their threats

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members.

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CAT,

 

I sense from reading the thread that you so want to send a letter but the CAGS no best and will advise you every step of the way.

 

Re-read the letters and you will find that it is more 'May' happen or 'Might' happen, they never state it will happen as that would mean they would have to follow through with costs attached and have a rock solid case to ensure payment would be made.

 

As read in previous posts, its SB from the last payment they received from you which as it defaulted in 2006 would have been 12 months prior, so I imagine (see my use of words lol) its close or has SB. But dont hold me to that lol.

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well i just dont want some guy turning up at my door in truth , i have ignored them never resonded to any of the letters , so do i just ignore or will they send someone to my house ? just i really dont want my daughter or mself to feel threatened .. i am quite sure when i looked at my credit file it would be may 2011 sb . hmmm may be i should have another look ? any advise would be great thanks again cat x

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If it is worrying you send them the CCA request and then the 'account in dispute' letter after 12 plus 2 working days if no agreement sent. It would give you some peace of mind.

 

Do you have an address for the original creditor as you could send the a SAR request which would cost a £10 postal order but you might be able to obtain the date of the last payment and other documents if they exist? I can give you a template to do this.

Please support CAG and they will support you.

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well its creation and i dont think i have paid them in 7 yrs ... almost sure on that ... have re read the letter it says they no option other then to proceed with a debt investigation officer , if i thought it was a bluff i stay silent as per norm ?have you also got the cca letter just incase we think thats best route ? many thanks cat x

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Any notion of a doorstep collector can be easily put to bed, the reason why you are feeling threatened and intimidated is simply becuase that is exactly whta their foolish puerile letters are designed to do, the law is on your side much more than it is theirs, they have got away with breaching guidelines and stautes for a very long time and it needs changing ASAP, which is why the OFT and experian are in talks with the CSA & DBSG to standardise these threat letters, and to remove all the bowlarks from them.

 

Have a read of this link and print off the letter and keep it by the front door.

If you do receive a doorstep visit we give these suggestions to Members.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumeractiongroup.co.uk...DOORSTEP-VISIT

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

If some fool decided to grace your doorstep, then say nothing, hand them that letter and close the door, if they remain, tell them to go play on the motorway, and ring the Police 999, and report that their is a stranger on your property who won't leave when told to do so, and you believe they will cause a breach of the peace.

 

You could take another look at your credit file, I would probably do this prior to sending or replying to anything these children have sent, just so you know where your at with regards to the life of the alleged debt, and you can tread carefully.

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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