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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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
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Capital One > Cougar and now Fredrickson & Bryan Carter


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Hi Folks,

I have a debt of £2500 with Cap One which was passed to Cougar. After some horrendous lies/twisting of stories with Cougar on the phone I decided to restrict all communication with them to sending letters.

 

In an odd twist (or at least that how it seemed to me) I agreed with Cougar to send them £60 PCM - They couldn't agree to this and wanted £133 PCM , but they said I could send it anyway and it would be taken off the amount owing. I made one payment and they then sold the debt to FI :-x . I should also point out that it took them 2 weeks to cash the cheque and I did not receive a receipt or acknowledgement of payment.

 

FI.

I recently wrote to FI using a template letter from MSE asking that all correspondence be carried out in writing and that as I am now unemployed I am prepared to offer £40 PCM and asking to whom I should make the cheques payable and where should I send them. Two days later I have now recieved a letter from Bryan Carter (BC) telling me that should court proceedings be issued there will be additional fees levied on the account and pay up in 14 days or else!

I would love to pay them the outstanding balance, but I just don't have the money!

 

Should I write again to FI or BC or both with reference to this letter ? Can anyone tell me what my next course of action should be please ? I'm starting to get a bit worried now. :|

 

 

Many thanks in advance

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Hi cap

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Have you got any Penalty Charges that you can claim back with interest?

Have you been Mis-sold PPI on the account?

Have you sent a CCA request?

 

Have a read of 1,2,3,4,5,6 and 7.

 

Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES WITH INTERESThttp://www.consumerwiki.co.uk/index.php/FAQ

2) CLAIM BACK ALL MIS-SOLD PPI WITH INTERESThttp://www.consumerwiki.co.uk/index.php/PPI

3) COMPOUNDED CONTRACTUAL INTERESThttp://www.consumerwiki.co.uk/index....erest_Tutorial

4) REQUEST CCA FROM CREDITOR http://www.consumerwiki.co.uk/index....t_Act_template

5) OFT's GUIDANCE ON UNENFORCEABLE AGREEMENTS http://www.oft.gov.uk/shared_oft/bus...it/OFT1272.pdf

6) DON'T BE BULLIED BY CREDITORS AND DCA's http://www.consumeractiongroup.co.uk...elf-help-guide

7) IN DEBT DON'T PANIC http://www.consumeractiongroup.co.uk...ries-Blog-Home

8) FULL AND FINAL SETTLEMENT: A guide for the rest of us

9) SALE OF GOODS ACT-EDUCATE YOUR RETAILER-http://www.oft.gov.uk/business-advic...irly/sogahome/

10) TENANCIES Assured and Shorthold tenancies - A guide for tenants

11) EVERYTHING HOUSINGhttp://england.shelter.org.uk/

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site - https://www.paypal.com/uk/cgi-bin/we...28d42bdf5d9d2c

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Thanks for the info.

 

I wasn't sold PPI I'm afraid.

 

Can I send a CCA even though I have sent a letter telling Fred that I sent a payment to Cougar and that I have offered to send them a payment ?

 

I will have lots of penalty charges on that account I would imagine, but I don't have the info as to when and how much for I'm afraid.

 

Thanks for your help , I'm just getting a bit jittery now :ohwell:

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Hi Cap

 

Don't panic, get control.

 

Send a SAR Request they have 40 days to provide all the data they hold on your account. They will send you all the statements for 6 years plus, all the charges will on the statements. Don't forget to claim interest. http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

SAR template can be found in the library.

 

'I will have lots of penalty charges on that account I would imagine, but I don't have the info as to when and how much for I'm afraid.'

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Thanks folks.

 

Does the CCA request go to BC or Freds ?

 

Seems a bit silly to send £1 to both .

 

Do I also send a SAR as well as the CCA ? Does one supersede the other ? And who should that be sent to, BC or Freds.

 

Sorry for all the Q's

Edited by Caponedebt
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Hi, send it to Freds, send a copy of the letter to Carter:madgrin:

if only to confuse his tiny mind:lol:

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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CCA to Freds, SAR to the original creditor, the SAR should provide the CCA, but sending

CCA to Freds puts them on'' hold'' until it's provided.

:madgrin:

 

Brig.

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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