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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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MBNA/Arden/Britannica recoveries SARL/Mortlake - court paper received.


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Hi dx100uk, I don't have any other debts, just MBNA.

 

.

 

 

but that does not stop your reclaiming on the paid off debts!!

 

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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Interesting LL , I've had similar when they sell the debt to a DCA it appears as satisfied on a CRA??

Then appears the DCA as default and balance shows as previous.

I would do exactly the same as previously advised,

A realistic I&E , offer creditors pro rata.

That's It. Reclaim anything you can, chances of court action slim, chances of Charging Order Slim. Chances of a OFS virtually nil.

Cad

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Of course it will shopw satisfied the creditor has been

paid by a debt purchase company for the account and

all that goes with it for perhaps 5-10% of the value, and

the creditor writes it off against tax.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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arden.pdf

 

Hi Cadbury is an OFS forced sale?

So I need to send all the CCCS stuff I sent MBNA then? I really don't want to ring them. I have attached their letter minus personal details, bearing in mind I only received the first Tuesday!!! Will they really come to my house?

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Hi LL

The letters, are having the effect they are designed to,

create fear of orders of sale etc.

 

I'm the same, but after few years, now have become more use to the same letters from various company's all designed to have this effect.

 

As I stated before you can only pay, the amount within your budget.

You can use CCCS or National Debtline ( who helped me) it will however not guarantee,

you not receiving letters or other action.

 

Going for your house us an emotive statement, and in reality they cannot take your house.

Creditors cannot!! Possess a unsecured debtors house.

 

The reality is that a creditor can take court action, unlikely in your case.

After a CCJ, in certain circumstances apply for a Charging Order,

after this apply for an Order for Sale, these are as rare as hens teeth.

 

YOU ARE A LONG LONG WAY FROM THESE SCENARIOS.

So don't worry.

Cad

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Thanks. I sent MBNA the financial statement from CCCS originally but obviously that is out of date now. I will have to go through the whole rigmarole again now.

 

I have just started working part time, I can't work full time due to health problems and I am disabled,

and have started a course to try and help improve my employment possibilities.

 

My financial situation has not really changed, as I am earning very little, and I could do without the stress of having to go through all this again

and concentrate on trying to earn a living and completing my course.

 

Only myself to blame, shouldn't have got myself in this position in the first place!!!

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Just been reading through a few related threads on here and it says you shouldn't send financial statements to DCA's. Can anyone confirm whether I should or shouldn't please?

 

You are not obliged to.

 

Only a court can order you to do this.

It's up to you.

 

If you don't want to, tell them to go forth - simply tell them they are not entitled to this private information.

 

They will huff & puff, but ultimately they really can't do anything about it.

 

To be honest, refusing them is your way of taking back a little bit of control and it's probably what most people would do.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Fred. Can I justify a token payment by saying that my circumstances are the same as they were when I was dealing with MBNA?

 

Yes.

 

If you're making payments they are basically stuffed.

 

As long as you know that this is all you can afford then that's all you need to tell them.

 

They can make as many threats as they like,

but they know full well that their only option is to take you to court - something they are highly unlikely to do.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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sit on your hand till the SAR comes

i would not respond to anything

 

thats a standad threat-o-gram and arden are bottom feeders

 

you need to report them to the oft etc as the line

 

passing to our solicitors to obtain judgement etc

 

is wronngfully assuming a judge will agree

 

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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OK, thanks. Will get a letter drafted to them. Would they actually turn up on my doorstep or is that just a threat as well?

 

sorry do not reply in any way shape or form

 

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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no i'd stop that too

 

lets force their hand

 

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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  • 2 months later...

Ignore them, load of bluff & bluster......what part of ignore them did you not understand originally?

 

All they want is to have the last word.

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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whatever 'start legal proceedings' means...prob another phishing letter.

 

really like that SAR from MBNA to trn up

that should have been done almost 2yrs ago.

 

you can either await the solicitors threat-o-gram

 

and send then a CCA request

or

 

send a cca to ardens now.

 

blank £1 PO dont forget.

 

i'd recheck your cra file

 

lets see who owns the debt.

 

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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so mbna did accept your propsal after selling it.?

 

or arden have without telling you?

 

so its now been sold

 

so

 

yes CCA arden

 

lets see if we can wrong foot their thoughts of court

 

 

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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no-one has ever offered or accepted anything, that was the whole issue. I had paid £40 a month off my own back to MBNA until it was passed on. I will CCA arden tomorrow, do you think they will have the copy MBNA sent to me? thanks for the help.

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