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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?/    Yes      5 Is there any photographic evidence of the event?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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Ronnie1234

Lowells a few months ago chasing a debt of £334.56 from Redcats Finance

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I received letters from Lowells a few months ago chasing a debt of £334.56 from Redcats Finance. I sent numerous proove it letters which firstly they didn't respond to.

 

They have now responded with a letter saying that Lowells purchased the debt from Redcats Finance. The letter then goes on to say they have included statements as per my request. There iis then a load of photocopies of statements included.

 

I didn't request statements in my proove it letter!

 

How should I respond?

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Have you sent a CCA request?


Ex CAG helper ^_^

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Have you sent a CCA request? If not send one.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Yes that is what I sent. Prob about 3 times over last 6 months or so they been writing to me.

Not CCA requested yet

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so you have been requesting proof for 6 month,.:deadhorse:with lowell.

 

defo

cca request time


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Lowlifes think that sending you a stack of statements proves you owe this alleged debt!:lol:

 

Does any of it look familiar? Or is it something a ten year old could knock with their crayons?


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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James has been absent for weeks now,maybe his new hobby to pass the time till he feels ready to post his/her "help" again:typing:


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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I do hope he/she comes back and gives us all a giggle....


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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I do hope he/she comes back and gives us all a giggle....

 

Words, horse and flogging come to mind !!!!

 

It must just have been an experiment, to see whether they could try to resolve any issues via these forums.

 

I suspect because it did not were here, it won't be used again.

 

They also contributed to other forums, who were more receptive, but have not posted again.


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You mean :deadhorse:

 

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

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Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

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If you are going on maternity leave, whereby your pay will be a small amount compared to your usual salary, is there a way of writing to the creditors explaining this and asking for reduced monthly payments for a period?

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks. Thnk I will keep up payments until a bit closer to when leave starts, then send out a letter.

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What does this part of letter mean:

 

If interestautolinker.com autolinking image or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

 

Is that the companies that operate the interest percentages!

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What does this part of letter mean:

 

If interestautolinker.com autolinking image or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

 

Is that the companies that operate the interest percentages!

 

Ahh. Don't worry, that's a glitch

 

autolinker.com autolinking image

 

That should have linked to another page if clicked but it don't work anymore so just delete it from the letter as it's not needed


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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E-mailed all my catalogues last night explaining pregnancy and offering £10 a month. Had one response from Next which was:

 

Thank you for your email regarding the payment proposals on your Next Directory Account.

 

Unfortunately the proposals of £10.00 per month are not acceptable and the minimum we can accept is £41.00 per month. Should you be able to a commit to this amount then please advise in order to set up the Reduced Payment Arrangement on your account. Please be aware that if we set an arrangement on your account it will be noted on your Credit Reference file ,and no further orders will be allowed during the term of the arrangement.

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If that's their attitude and they are going to give you a mark on your credit report for being honest and not just ceasing payments, tell them to stuff it, it's £10 and that's your final offer. Just send them the tenner and keep up payments, you have nothing to lose.

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Received a response from Fashion world:

 

We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £44.00

every 28 days.

 

Your account will be placed on a payment arrangement, as a temporary

measure to help you whilst you are experiencing financial difficulties once

you make your first payment. Payment must be made by credit/debit card on

the telephone number below.

 

and a response from Crazy Clearance:

 

Thank you for your recent email.

 

We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £19.00

every 28 days.

 

Your account will be placed on a payment arrangement, as a temporary

measure to help you whilst you are experiencing financial difficulties once

you make your first payment. Payment must be made by credit/debit card on

the telephone number below.

 

They must work out the payments based on the outstanding balance. But these amounts aren't much different to my current monthly payments, my current with Fashion World is £46 a month and this month with Crazy Clearance is £19.00 a month

 

Also they don't confirm that they will stop interest being added.

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Only The Brilliant Gift Shop have agreed to my letter.

 

Jacamo said: We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £52.00

every 28 days.

 

Viva la Diva have said: We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £41.00

every 28 days.

 

These payments are ok at the moment, but not when only receiving £125 Stat Maternity Pay.

 

Am wondering if should dispute these payments now, or pay these for next 6 months, then explain that I can literally only afford £10 a month per creditor when receiving £125 a week!

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I e-mailed the various catalogues saying that they have only offered me payments that are approx £4 - £7 less than what I am already paying. They came back and said that's the offer that's available at the moment!

 

Should I go along with this until I'm actually on maternity leave or dispute?

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I e-mailed the various catalogues saying that they have only offered me payments that are approx £4 - £7 less than what I am already paying. They came back and said that's the offer that's available at the moment!

 

Should I go along with this until I'm actually on maternitylink3.gif leave or dispute?

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Hi

I think that while you can maintain payments, do so. You have forewarned them that your income will drop and if they refuse to help when the time comes, I think you would have good grounds for complaint


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi

I think that while you can maintain payments, do so. You have forewarned them that your income will drop and if they refuse to help when the time comes, I think you would have good grounds for complaint

Thank you. That's what I was thinking, then write to them again in 5/6 months time explaining my income has dropped and a new agreement needs to be reached.

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Have agreed payments with most creditors so far, for six months, that takes me to August, by which point I will be on maternity pay and unable to meet these payments for nine months until I return to work part time, I will write to them again about a month before the six months is up.

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