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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?/    Yes      5 Is there any photographic evidence of the event?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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Hi all,

 

I've become yet another victim of the Credit Corp bandwagon recently.

Thankfully I've found this forum which has provided a great deal of help,

however I was wondering if some one who has been put through the CCG mill could advise me on my next steps.

 

To give you a bit of background to my situation;

I lived in Sydney for 4 years until 2007 when I came back to England to live.

I had a credit card in Australia too.

In the UK I am director of a small public limited company that I run with my girlfriend who is a director too.

 

Earlier today I received an email from Credit Corp asking me to call them.

They gave no details, did not specifically mention debt, simply asked for me to call their Sydney office.

 

 

Somehow they've managed to find my email address, possibly from an ex-colleague in Australia,

however I don't believe they have my phone number or home address.

They are obviously trying to chase up a debt but I was hesitant to make contact as I didn't want it to be seen as an admission.

 

I then received a second email asking me to call.

Again, no specific mention of debt, however this time they gave the address of my accountant

and asked if they could send some documents through to that address.

As I own a limited company I assume they found his details listed on Companies House.

 

 

I have yet to reply but obviously I don't want them to send details to my accountant,

nor do I want them calling him.

 

 

More of a concern is that if they found my details, they will also find my girlfriends

and her family and I really don't want them involved.

 

So my question is.

Should I make contact and find out exactly what I'm supposedly accused of.

By doing so, I expect they will stop trying to track my phone number and address

and hopefully won't hassle my girlfriend, her family or our accountant.

Or,

should I ignore them and see what happens?

 

 

My concern is that eventually they will find my address, hassle my girlfriend

and family and start some sort of court proceedings.

I really don't want that!

 

My gut says ignore them,

but my head says find out exactly what they want,

then see if its statute barred and officially dispute it with the FOS.

 

 

I was thinking that I could provide an International private post box address.

That might as least prevent them from finding my actual adress..

 

Any help would be much appreciated. I'm losing sleep over this.

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To be statute barred you need 6 years from your last due payment. There are other issues though and you should look at the web site here http://www.creditcorp.net.au/ and look at the licence link. Lots of help and advise here.

 

Also if you havent already have a read of this thread. http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK

 

Hope that helps some.

 

BTW if it was me and it might be soon :-) i would make them work hard for every bit of info. Do you have social network sites like face book etc? If so thats how they find most people

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Earlier today I received an email from Credit Corp asking me to call them. They gave no details, did not specifically mention debt, simply asked for me to call their Sydney office.
Ignore for now, they are on a fishing trip.

 

Make them contact you by snail mail. if they've checked your details through Companies House they can use your registered address.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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To be honest, I don't think they have my home address, just where my business is registered at. I think thats all they can get from Companies House. From what I understand they need to be able to contact me at my home address? Should I just reply saying that the address they gave me (my limited company's address ) is not my home address and further, I'm not in the habit of giving out my own personal phone number and house details, to random strangers who contact me via email? Good approach or not advisable?

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I have told them the address they have given me is not mine and that I refuse to give out details to contact me randomly. Do you think this is a safe bet?

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As I said just ignore them for now as they are fishing. You do not have to give them any information.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks cerberus, your advice is reassuring.

 

Just a quick question. Can they initiate court proceedings without a known address? My gut feeling is that they cannot, but if they have the address where my company is registered, then is that all that they need?

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A summons can be sent to your Company address yes.

 

There are only a couple of cases I've come across on CAG where Creditcorp have attempted to bring proceedings in the UK & both of those are still ongoing. There is a little matter of jurisdiction to overcome as an Oz court has declared that they don't have jurisdiction to hear a case under UK law so it should follow that a UK court doesn't have jurisdiction to hear a case under Oz law.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks cerberus.

 

I'm tempted to give my residential address so that at least i can respond/dispute the case rather than having a court summons issued to my company address without my knowledge. But then im only giving them more ammunition.

 

Also ive read the australian debt collection guidelines which specify that they need to positively identify me as the alleged owner of the debt. Only then can they release details of the debt itself, otherwise I guess it could be deemed a breach of privacy. Today i receieved an email with some top level details of the debt. However at no point have I confirmed my identity in full. Which begs the question, are they breaching guidelines releasing this info without confirming my identity? What would constitue positive identification?

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You could always open a Post Office Box a/c.

 

It may be worthwhile having a word with http://www.accc.gov.au/content/index.phtml/itemId/142 and the http://www.asic.gov.au/asic/asic.nsf about them chasing you when they are not certain you are he right person.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I read somewhere (maybe on credit corp troubles site) that they need to have your permission to send account details via e-mail or they are in breach of privacy. Maybe credit corp trouble wll give advise on this

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Yeah that's what I've read too. I could basically slow down the communication process somewhat by going through snail mail, but then is that worth giving my address out for?

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I wouldnt give out my address unless i was going to do what william did on his thread "more aus debt" he made such a pain of himself that they seem to be ignoring him now :-)

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I see what you mean krios. Although they do have the address registered to my company, which from what cerberus said, could mean they woild be able to begin court proceedings if it came to it.

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If they start court proceedings they would still have to get around the jurisdition issue that is being tested now in a thread in the legal forum. Seems to me that Stevens Drake start proceedings in the hope that people get so scared they make an offer to pay up. We have seen it happen on these forums. No one seems to be able to find a single case where judgment was awarded for a case that was defended.

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I was following dockers thread which seemed to be quite advanced. I think he actually got a court summons from Steve Drake, although it all seemed to go quiet as the date approached. Maybe a gagging order. I'd love to know what happened though.

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You should have taken the VERY good advice given to you early on and IGNORED all communication from them. They were indeed fishing to see if they got a bite. If they cannot open up any channel of communication they will NOT take any action as they will have no idea what your personal circumstances are and won't risk court fees/costs on speculative action particularly if it's complex.

 

All the actions of these parasites are designed to draw you into dialogue. If they cannot do that they are stymied and they WILL go away.

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