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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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.  
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1st credit & Vanquis Bank/credit card advice needed please


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Just an update and further advice please.

 

Today I received 2 letters one dated 16/11/10 stating I've broken credit agreement, contact office to avoid legal action....etc.

 

The 2nd dated 17/11/10 reads as:

 

"We write with regard to the aforementioned account and to your recent request for a copy of the agreement.

 

May we make you aware that all requesrt for agreements and/or statements must be made direct to Vanquis. We have today passed on your request and fee to Vanquis and they will issue you with a copy of your agreement in due course.

Please be advised that we have not received your payment due on12/11/10 therefore your repayment has now defaulted. Please contact office as a matter of urgency."

 

So firstly is this correct?

The term "due course", does this still mean it has to be provided from the date I sent it on NOT the date 1st credit have passed it on?

Do I continue to ignore?

 

Thanks folks

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Good Evening,

 

Still no CCA yet, BUT, vanquis (the orginial debt) sent me another bill today with more charges on it, plus a little note saying it had been passed to 1st credit.

 

Is it right that they continue to bill me AND add more to the bill when they've already passed over to a DCA?

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Morning on this very chilly and white day!

 

It's now been 17 days since I sent in my CCA request to 1st credit (who then passed it to Vanquis), I hve heard nothing.

Should I now send in the account in dispute letter?

 

If so who to? Or in the spirit of belt and braces should I send it to both 1st credit and vanquis?

 

Thanks

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yes failure to comply/dispute letter to 1st crapit.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Are you sure DX, seems that the site team are giving out conflicting advice:madgrin:

 

???

lost me young sir

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Afternoon, I hope everyone had a lovely Christmas.

 

Today, I finally received my CCA from Vanquis but once again I'm confused.

 

All it is, is "Vanquis Credit Card Agreement and full terms" It quite literally is a copy of their terms & conditions, there is nothing with my name, address, DOB, date of agreement anywhere on it. Is this the correct thing they have sent out?

 

I was expecting some sort of agreement between us with my name etc on it not just terms & conditions.

So where do I go from here?

 

Thanks

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Mind if I add my 2p worth about 1st crapit?

 

I had them chasing me a few months ago for ONE missed payment on a moneyshop loan. I only found out they were looking for me when they phoned my mum.

 

Cue a very hormonal and heavily pregnant female screaming down the phone at them about their cr@p business model for phoning my mother and how I did not acknowledge any debt to them so go forth and multiply!!!

 

They havent contacted me since.......

 

The reason I wanted to share this is to let you know that they will go away if you stand firm. YOU call the shots Hun xxx

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Thanks Kitten1 :-)

It does get me down in all honesty, the last letter I had from them was to say if I paid now they would discount it to £250, which was my original debt not the £650 I owe now!

 

The worst of it is that I've never denied I owe the money because I do but can NOT afford the payments they are demanding and they wouldn't accept my offer.

I can only bang my head against a brick wall and get upset so many times, thank God I found this forum it's been a life saver, so whenever it gets on top of me I come here and flick through the posts and it makes me smile again. :-D

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if they are offering a discount

that means one thing only -

 

there's someting wrong

 

either there's an issue with the CCA

or

its made of unlawful charges &/or mis-sold PPI.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

Hi Everyone,

 

An update about this thread: After placing my account in dispute as they failed to send me a CCA I heard nothing more from Vanquis.

Last week I had a letter arrive from Cabot saying they had bought the debt from Vanquis, today when I got home from work I found a card addressed to me (Hand delivered) asking me to call or text a mobile for a call back. It doesn't say anywhere on the card who or where it's from.

 

So can Vanquis sell my debt whilst it is in dispute? If it turns it this card belongs to a door step collector where do I stand or what do I do next?

 

Thanks ever so much

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Im not that expirinced in these matters but as far as i am aware no they can not sell or parce on a disputed debt and i believe you should send the letter in the attached link but wait for a more expirenced cager to confirm this

kind regards casper

http://www.consumeractiongroup.co.uk...lection-agency

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