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    • 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.
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Lloyds overdraft passed on to Wescot


DDWales
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Yes in my limited experience More crap are useless. With advice from site one letter asking for CCA sent - could not supply it and so all I have had for the last 6 months or so are begging letter saying "Please pay, please".

 

As BB would probably say - wax crayons must have fallen down back of sofa cos now have Apex writing with what looks like another "please please" letter.. Sppose should write to em but as stated just another merry-go-round ride and I hate them.

 

Intend

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The only trouble with responding to their computer generated spam letters is that they will think you actually care and want to receive more deforestation, as they say, give a dog a bone and it will keep coming back, best left to ignoring them, especially this shower until they can actually produce anything remotely like a SD or summons, or if you want them to keep taking a bite of the bait drop them a line every 5 or 6 months, keep them amused for as long as possible, then send them to their bedroom without any tea.

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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  • 2 years later...

After total silence since October 2011, and no payments made!,

 

have had a lovely threatogram from 1st Credit.

 

2 letters the same day.

 

.the first being the standard 'phishing' 'are you such and such' and if not contact us etc...

 

and the other being that they have bought the debt from Lloyds

and that I am apparently the person they want including all personal details such as alledged money owed etc!

 

Bit naughty you think?

 

So what next?

 

No dealings with this lot before so what can I expect..

 

.the usual drivel?

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After total silence since October 2011, and no payments made!, have had a lovely threatogram from 1st Credit. 2 letters the same day..the first being the standard 'phishing' 'are you such and such' and if not contact us etc... and the other being that they have bought the debt from Lloyds and that I am apparently the person they want including all personal details such as alledged money owed etc! Bit naughty you think? So what next? No dealings with this lot before so what can I expect...the usual drivel?

 

Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

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Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

 

Tell me about it! The other Caggers have mentioned that it's probably to help stave off their recent fine!!!

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dd

seems another batch sold on by loyds, they did one a bit back to the likes of bowells/crapquest.

search 1st crud on cag, see what they're like

remind, are you on a payment arrangement with this?

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cheers, yours as well?

if creditor, after doing the dca rounds on behalf, doesn't take action themselves then is likely to be up for sale. seems usual back scratching, cred gets the write off and then sells it out, also on commission?, for a dca to try and get their slice!

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dd

some options, seeing as not currently paying?;

reduced (taking into account any charges etc) full and final offer, lump sum.

reduced final offer on instalments.

cca request, i know its an o/d but just to see what they come back with. take things then from there.

prove it type letter.

ignore for now.

what do you think?

Edited by Ford
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  • 4 weeks later...

Cheers all.

 

Just ignoring until something useful turns up.

 

I will then hit them with the various templates and see what happens.

 

Ive had about 3 discount letters since before Christmas which is always a sign of something being up.

 

I think they know they've got a lemon on thier hands

...Lloyds have probably written off against tax years ago.

 

The account was opened in 2000/01

 

so it would be interesting to see what docs would be available and if they would be up to scratch.

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is there anything that ever deemed as enforceable on an over draft

 

me thinks not.

 

its not covered by CCa anyhow.

 

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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dd

i meant an O/D 'cca' request.

 

whilst o/d's are usually exempt from the agreement requirements at that time,

they should say so on receipt of such a request,

but still should provide a statement of account,

as an o/d usually becomes 'running account credit' (as confirmed in the act itself)

and therefore becomes subject to the cc act (but limited). see part v, s74 of the act etc.

 

i think andyorch may have drafted one re O/d 's.

Edited by Ford
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Thanks both...just curious I guess due to how old the account is and how they havent really done anything except use their many pet DCA's. This was originally passed on to Westcot in Dec/Jan 2010/2011!! Have had the standard discount letters too which often signal that there is usually something up.

Edited by DDWales
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  • 5 weeks later...

An update!

 

First Cred have decided to ring me at work!! Naughty!

 

Just fired off 4 recorded delivery letters to their lovely Reigate office:

the prove it,

written correspondance only,

removal of telephone number/data(Section 10 Notice)

and no doorstep visits.

 

Have any other Caggers had 1st Cred phoning them at work?

 

This is a first for me and apparently it was from a Mr Brown (of course it was....lol!).

 

My understanding was that DCA's couldn't contact you in work?

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correct

 

complain to the ICO/OFT

 

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 templates as such, just in your own words and maybe a reference to the OFT's own DCG, although they should know them, they wrote them!

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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The ICO have their own complaint page on their website.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Another threatogram of a discount and an intended doorstep visit! :whoo:This one is quite interesting too as it states that they are acting on behalf of Lloyds and not the owners. They just cant make their minds up! All template letters (prove it etc) that I sent last week have been recieved by them also..let's see what happens next...

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I think DCAs play a dangerous game - sometimes claiming ownership than at other times claiming to acy on behalf of the OC. Can't have it both ways.

 

My question - is this misrepresentation - and as such illegal?

 

what do other think and is this grounds for counter claims?

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