Jump to content


  • Tweets

  • Posts

    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

triton chasing joint RBS account


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4529 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

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi can anyone advise

 

i got a letter from triton credit about an ex girlfriend who got me as an joint account holder on her rbs account

 

was with her for about a year, (this was 6yrs ago). triton wrote to me saying i owe nearly £4k about her account which i never had a card and never used the account

 

i can prove i havent been with her for 6yrs so my question is shes obviously run up this debt, ive never spent the money or had a card to do so and wasnt with her when she did run up the debt

 

whats my liability?

 

thanks

Link to post
Share on other sites

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi

i wrote to lowell recently requesting the cca for a debt

 

i know they have 12days to reply, this was over a month ago they keep writing saying there asking lombard for the original, does t really take this long and what is the 12day rule for anyway

 

any advice wud be appreciated

 

thanks

Link to post
Share on other sites

Hi,

 

A debt becomes unenforceable under the CCA if a creditor does not supply a true copy of the signed credit agreement within 12 working days of it being requested.

 

The debt remains unenforceable for as long as the creditor fails to produce the signed credit agreement – this means if they produce the agreement some months down the line, they are quite within their rights to enforce it. They do not need to take any further action to enforce the debt. A debtor cannot take any action against the creditor for failing to produce the signed credit agreement within the prescribed time, because that is up to the agencies that the offence has been reported to. Any sanctions that may be imposed are at the discretion of these agencies, and it is not a matter that the debtor can take to the civil court.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi JH,

 

Lowells are out of time, send them the account in-dispute letter and ignore all threatograms that they send to you until they comply.

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Stigman

  • Haha 1

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

thanks for your advice,

 

i got another letter today (260311) from lowell again!!! stating they are waiting from lombard to get the cca from their archives,

thats about 4 letters in the last month!!,

 

if they sold the debt to lowell surely they would have had to give them the cca otherwise

what proof is there that i have a debt with them...

Link to post
Share on other sites

The Original Creditor will hold the CCA, what was the debt.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

original credit was with a car finance place called yes! car credit,

 

which i beleive was underwritten by lombard..

 

.it was 247permonth for 4yrs

 

paid it for 2yrs without missin a payment

 

but due to personal reasons, could not afford it anymore,

so i handed the keys back to them,

 

they sold the car and said i still owe £2k on a car which at the time was worth about £2k

even after i had paid nearly £6k in payments already!!! plus the sale of the car!!!..

 

.god only know what the interest was,

 

this happened about 7yrs ago.

Link to post
Share on other sites

  • 3 weeks later...

hi

i got a letter from 1st credit saying i owe 6500 to lombard, now i know i have had a car loan with lombard 10yrs ago and paid if for 4yrs then defaulted due to losing my job

 

and i have sent 1st credit a letter stating i believe it is SB but my question is, is the mere fact of me sending a letter stating it is SB an acknowledgement of the debt, even tho im 100percent sure no money has been paid for 6yrs, any advice would be grateful, thanks

Link to post
Share on other sites

If you are sure no money has been paid and it has not been acknowledged for 6 years then it is Statute Barred, you cannot un-Statute Bar it. They have every right to ask for the money as the debt still exists, and you have every right to say no I'm not paying it - there is nothing they can do.

Link to post
Share on other sites

I would check your files and bank statements first, whilst waiting for a second letter from 1st Crudit. Then you can decide what, if anything, you send them. Personally I would ignore 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!

 

 

Link to post
Share on other sites

Just to help others always head this type of letter with

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

And refer to the matter as "aledged sum owed", or some such wording

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Link to post
Share on other sites

  • 2 weeks later...

would just like to say that lowell financial have sent me a letter saying they are closing an account that they cannot get a cca for!!, still believe it never existed in the first place...will keep the letter in case the vultures resurface in the future

 

cant believe some of these dca are so blatently forward with their demands even when it cant be proved!!!...modern day dick turpins!! they really are....

 

great site,a lot of excellent advice and well worth joining,thanks

Link to post
Share on other sites

  • 2 weeks later...

Hi guys, got two letters from 1st credit and one from lcs solicitors (acting for 1st credit)....now they say they brought my debt from lombard which i maintain is statutue barred, which they seem to completely ignore!.....ive asked for cca which they say they will contact lombard for but my question is how can they chase me for a debt without documentation in the first place, do lombard ring em and say. Hey guys ring up mr smith (not real name) and threaten him with this that and the other as he owe us money!!....

 

They must have some information from lombard in the first place to write to me or do they jus make it up.....any advice wud be grateful thanks

Link to post
Share on other sites

sounds like you are on a phishing list

 

pers i'd ignore them if you are confident its sb'ed

 

continuing to contact these fleecers just puts markers on your file that a mug awaits fleecing.

 

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... 

Link to post
Share on other sites

Also if it is SB then you really should be complaining to the OFT/TS/FOS and your local MP.

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!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...