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    • 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.
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Uregent Help needed with Hamtons/Red/Lowell clan


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This is my first post.

 

A long story, but will make it a brief as possible.

 

Had 2 credit cards

 

Capital 1 taken out 2003 via internet balance 4713.40 and now sold to Hamptons/red/Lowell according to them. not responded to this debt. I do actually have the approval letter they sent me , i think I must have signed a credit agreement and returned to them and I have a copy of the credit agreement unsigned that they sent me.

 

Also Vanquis not sure when taken out but also via internet - also according to the above clan bought out by them.balance was 986.98 Think I made a mistake in arranging to pay them 10 a month last Oct as they scared me. so paid 4 months , so balance now 946.98, then lost my job through depression so Direct debits were cancelled. Have I shot myself in the foot?

 

last letter says applying for CCj's etc or deductions from wage!!! I'm on benefits at the moment. Do i ask for copy of cca or am I best going for repayment of over limit fees etc can anyone help please

 

 

Honestly not sure where to start but I am sick of being bullied by these companies and their threats.

You guys have given me the inspirataion to fight the bu**ers back

 

Oh and I am now at the stage with vanquis that I have to reply to them in the next 2 days or they will take me to court for CCJ or serve a statutory demand upon me and petition for bankruptcy ????

Edited by lewte
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was there a period of 6yrs where you had no financial transactions?

 

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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Unfortunately No. It got to the stage where the payments I could make were not enough to cover the charges. so I stopped paying. It felt like I was wasting my time.

Edited by lewte
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Do you have any assets?

If you are in rented property and on benefits it is unlikely they will take you to court and extremely unlikely they will go for a statutory demand (bankruptcy.)

The court would only allow a payment of whatever your disposable income is anyway, and it sounds like you do not have any.

I would send them the template letter on here and offer them £1 per month to be reviewed in six months when the situation may have improved, if they want to waste their time taking you to small court, and then let them they will get no more, which is why they will not.

Rosy

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sounds like you need to get reclaiming!

 

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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Share on other sites

I do have my own house and i'm not too far off retiring. no savings tho and no pensions or anything

 

Can anyone give me any advice as I have never done this before. Do I ask the Credit Card company or Hamptons who have bought it for the list and do they have to stop chasing and threatening me whilst it is in despute.

 

Not to go into too much detail I had a nervous break down last year and I'm just starting to feel "Normal" ha ha again. and started looking for work. But this is upsetting me

Edited by lewte
typo
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Hi

If you don't have ALL your statements from Cap1 and Vanquis you will need to send them a Subject Access Request (SAR). The letter for this is in the library (top left) Once you have the statements, you will be able to work out what has been charged in overlimit/late payment charges. Send a £10 postal order to each creditor. Don't send to Lowells

 

I assume both debts are with Lowells. If so, send them TWO CCA requests (also in the library)-one for each debt. They have 12+2 working days to respond. Highly unlikely they will respond within the timescale but that will give you time for the SAR to come back.

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Thank you silverfox I have just found them.

 

I received a letter from hamptons this morning offering me 50% discount or £40 a month on the Capital1 debt and threatening doorstep visits and court. So I am sending them a doorstep letter too. Should they all be in seperate envelopes and would it be worth sending a doorstep letter for the Vanquis debt too while I'm at it.

 

Sorry to be a pain. Once I've learned the ropes I'm going after Halifax next. That was under the £500 limit until I was sick in November it now stands at £705 they have sent me a default notice and they know my situation!!! They have agreed to stop chasing me for now and will reassess it in November.

 

Again thank you so much for your help.

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whoeeee

 

if they are offering a discount

then they have trouble

 

its either unenforceable paperwork

or

its all PPI/Unlawful charges

 

dont pay them a penny ignore them.

 

 

they will never go near court

 

there you go

 

they've played their cards...they had none - just trying to fleece you.

 

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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whoeeee

 

if they are offering a discount

then they have trouble

 

its either unenforceable paperwork

or

its all PPI/Unlawful charges

 

dont pay them a penny ignore them.

 

 

Thanks dx

 

is their a forum for Vanquis?

 

 

they will never go near court

 

there you go

 

they've played their cards...they had none - just trying to fleece you.

 

dx

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What is the issue with the Halifax?

 

As regards ignoring them, only you can make that decision, but consider in your first post you said Vanquis were 2 days away from going for a CCJ or bankruptcy if you didn't respond and now look what they've done. They lie to scare you into paying, simple as that.

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Hi Tingy

 

Ill Start a new thread for Halifax also Where would I start a thread for Vanquis ??

 

Not only that but I have this thread and one titled Cap1 both discussing my Cap1 alledged debt. Does anyone know who I contact to get them merged ???

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Hi Tingy

 

Ill Start a new thread for Halifax also Where would I start a thread for Vanquis ??

 

Not only that but I have this thread and one titled Cap1 both discussing my Cap1 alledged debt. Does anyone know who I contact to get them merged ???

 

Hit the triangle at the bottom of a post and send a message to Site Team asking them to merge the relevant threads Ideally stick to one thread per debt/issue

 

ims

 

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