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    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
    • You cant really oppose an application to lift the stay only be stayed for 11 months....claim is proceeding. Complete the following.  
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Help Please, Im Bankrupt and didnt Know!!


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i was advised to send the following letter,

then 12 days after i sent a default

have i been sent on a wild goose chase because i have the same letter as before asking for the id and addresses c/w signature?

 

Or was i right sending the above and are they in default with the CCA.

 

or has this screwwed things up?

 

 

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

Dear Sirs,

 

Account No: XXXXXXXX

 

Thank you for your letter dated XX/XX/XXXX, the contents of which have been noted. In your letter you make reference to requiring my signed authorisation.

 

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature. If it is for Data Protection purposes then I can supply you with documentation to substantiate my identity to you. However, I note that to date you have happily sent my details and correspondence containing extensive sensitive private information to several debt collection agencies addresses in order to pursue the alleged outstanding balance of the alleged account, and so I have to ask, if you are so concerned that you are corresponding with the correct person why have I you sold & disclosed this information in the first instance, and why have these agencies been able to pursue a debt of this status and based on this uncertain information, petition for my bankruptcy.

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. As such, I look forward to receiving the documentation requested, within the next 40 days.

 

Yours faithfully

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

 

 

the past addresses would be more than 6 years ago?

i didnt sign the letter, however they said it doesnt match.

 

 

the letter they replied with was in regards to the default, they never replied to the above.

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Hello RC...the letter above is used when a DCA or a creditor requests your signature to verify for a credit agreement, this is not to be used for a SAR, they can ask for your signature for a SAR, but you should accompany this with a utility bill or a copy of your council tax request...(something along those lines)....

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  • 2 weeks later...
That should be perfectly adequate...

 

i sent them a reply asking for the info with a list of past addresses (past six years plus my parents address i have been at before that).

i signed the sheets and attached a letter from the insolvency service addressed to me.

 

they are still insisting i send a passport or driving licence (and signature) copy to them before they will act.

 

they say they wont process it untill they recieve this.

 

what i did was at the bottom of my letter i made a block of x's

 

XXXXXX

XXXXXX

XXXXXX

 

like so and signed over them?

 

they are still within the 40 days of the last letter dated the 9th nov but when i first requested the info it is nearly 4 month ago?

surly they cant keep starting the 40 days again and should have had enough with what i sent.

lowels made me bankrupt over this so that alone should be enough proof.

 

i dont get it?

 

I feel im being messed about, i'll be discharged by the time i get it annulled at this rate?

 

what do you think?

 

thanks

RC?

 

[ PS Today i recieved a letter from Active Capital persuing an alledged debt from as long ago as the others (again if mine stat barred etc...)

Original Creditor down as ***HFC***.

so they say they dont know if im me and they have instructed someone else to persue another account in the same way ].

[ PPS The OR reduced the IPA ammount (offer) significantly which is more reasonable.

i have a week to sign it? should i?

they know im looking for anullment

does it matter if i sign it will it go against me or make the court refuse anullment if i agree to it? ].

Edited by reallyconfused?
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http://www.financial-ombudsman.org.uk/about/subject-access-requests.html

 

I just found this, it looks like they can ask for passport copy etc if they are unsure on who they are dealing with.

 

Thing is if I'm bankrupt because of this then how can they be unsure of who I am?

 

It's all back to front if you ask me.

 

I will have to send it as they can ask for it but I still think its wrong bearing in mind the circumstance.

 

So 40 days starts again for the 4th time! I will deffo be discharged by the time this is sorted.

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Still had nothing at all back. I've not yet put together the docs. But intend to do it sometime this week. It's v hard juggling everything, being dad and working I'm sure you know. I'll keep you posted.

 

The last I heated from hfc they wanted passport/driving licence etc.. I'm not going to entertain this as they've had more than enough info already.

 

Anyway I will try getting a letter done tonight and wade thru my things to do... Thanks for the support RC

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