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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • FTMDave
      Horizon PCN

      By FTMDave · Posted

      The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Bilali8
      ECP PCN Rental Car - paid by app - no receipt - appeal refused - Mayfair - Achilles Way

      By Bilali8 · Posted

      Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
    • sugarNspice
      Horizon PCN

      By sugarNspice · Posted

      saying the thread is locked, what shall I do?
    • FTMDave
      Horizon PCN

      By FTMDave · Posted

      Please fill in the forum sticky and upload a copy of the invoice, redacted of anything that could identify you -  
    • sugarNspice
      Horizon PCN

      By sugarNspice · Posted

      first time to use this forum, so a bit clueless got a PCN from Horizon, saying that "exceeded ma stay period" any template for me to make appeal please?

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

DCA tells me to contact bank for further information

AngryWithAmex

By AngryWithAmex
in General Debt Issues

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because no one has posted on it for the last 4943 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

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AngryWithAmex

AngryWithAmex

Posted
Posted

Hi

Just a quick bit of advice, sent DCA a CCA and SAR, they have replied to CCA and also told me they have sent SAR to solicitors, also if i need any further information i should contact the bank.

 

My questions are this.

 

1) If DCA claim to have deed of assignment, why tell me to contact bank for further info, surely they should hold all info about account since they purchased it.

2) Is it normal to send SAR to solicitors, or are they hiding something and what to find out exactly what they should send. SAR requsted deed of assignment.

3) Can i put account into dispute, as credit agreement is barely readable and no t&c's sent.

 

Any help on these 3 ponts would be appreciated.

 

Thanks

AWA

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rebel11

rebel11

Posted
Posted

Hi Angry

 

1) They should have all the details on the account, just deal with them, remember if they don't provide data as per SAR Request you can report them to the ICO.

2) Your SAR request is a legal request, there is no reason that it has to be sent to the solicitors, unless they are filtering the data. You could send the bank a SAR

Request that way you know you are going to get the complete data. Remember they've only got 40 days, after that report them.

3) Scan, Post the agreement after removing all personal details. The guys here can have a look.

 

http://www.ico.gov.uk/

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AngryWithAmex

AngryWithAmex

Posted
  • Author
Posted

Hi Rebel11

 

Sorry for delay, internet connection went down for most of day. The agreement is OK, except i have copy signed at time loan taken out, now capquest have sent me agreement identical in everyway, except the agreement they have sent me has a totally different signature than the one i have, everything on the agreement they sent is hard to read except the signature and date signed.

 

Could that be fraud???

 

I know that they can reform an agreement, but its has to be original copy, a new signature is not part of original agreement, is that right?

 

Thanks

AWA

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Guest

Guest

Posted
Posted

hi

 

they can't 'reconstruct' a signature!! if they've sent you a 'generic' application form with what they purport to be your signature on it and it is not your sig, then they may be onto a loser!? if they have got the original, then why don't they just send an exact copy of it!? (btw, don't let them know that you have a true signed copy of the original! :-))

 

imo

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rebel11

rebel11

Posted
Posted

Hi Angry

 

So what your saying is that they are trying to pass off the agreement they sent to you as the original agreement. They sent a covering letter, do they specify what the

agreement is? Have they used the word 'Reconstituted'?

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AngryWithAmex

AngryWithAmex

Posted
  • Author
Posted (edited)

Hi

One thing i have forgot to mention, looking closely at dn, its says "The outstanding payments are currently"

then

"due on 10/05/07" £500.

 

Dn was dated 05/10/08

 

Agreement was signed on 19/04/07, so what they are saying is i owed £500 22 days(is) after signing contract, monthly payments not even that much.

 

Wish i could upload, but quality is bad.

 

AWA

Edited by AngryWithAmex
days wrong
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Guest

Guest

Posted
Posted

try and post up the docs, including the dn. what is the 'remedy' date for the dn? is there any missold PPI involved?

assume it has been sold on as you mention 'deed of assignment'? did you get notice of such assignment? have they threatened legal action? who's the dca? etc. a few more details would be more helpful? i think maybe you'll need to post up the docs for further opinion? as you say, maybe regard it as in dispute as it seems that they haven't sent you a legible copy with any tc's?

 

imo

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AngryWithAmex

AngryWithAmex

Posted
  • Author
Posted (edited)

Hi Ford

 

Default was 2 years ago and then terminated about 28 days later, seen off many DCA since then, but this one brought details and seem more stubborn.

 

Still have my ace up the sleave, once i have finished messing then about, taking them through FOS at the moment, FOS not very fast so hopefully drag this out for another couple of month, when FOS back DCA as i have no trust in FOS backing the consumer, i'll then appeal and that should take another couple of month.

 

After that should have some new ammo to slow then down.

 

AWA

Edited by AngryWithAmex
typo
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