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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.
    • 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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payday loans - quickquid, textloan and wage day advance


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so i go into a stupid spot and was using payday loans o pa7y off old credi card debt i've finally cleared myself of the majority clearing peachy, cash genie and wonga. However it leaves me with these 3 outstanding currently.

 

Textloan agreed a payment plan but would not freeze any interest and it now went from 300 to 550.

 

quickquid have frozen interest however there payment plan was just too short requesting payment over 3 months.

 

and wageday advance kept adding monthly interest and said because i've paid nothing towards the account 2 months interest has been added.

 

i've tried multiple times to get a resolution but have not succeded should i just bite the bullet at least with the wage day advance one and pay the extra 120 or whatever it is. does anyone at all know what here debt collectors are like also?

 

finally does anyone know if these 3 report to credit files?

 

thanks

im considering waiting it out and just paying a debt collection agency on my terms of course.

Edited by timeforachange
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just received this email. i cant afford to pay the 300 in one go and i definetely dont want to pay the almost double figure. what can i do. contac email received below.

YOU ARE NOW IN DEFAULT.

 

As a result of your inaction, we deem this to be your deliberate attempt to break the Agreement between You and Us.

 

In order to avoid debt collection and possible LEGAL ACTION AGAINST YOU, please contact us within 5-days either via email: [email protected] or phone: 0871 705 0000*

 

Non-compliance with the Default Notice will mean that the unpaid loan will be recorded in a countrywide credit score database where it will remain for up-to six years.

 

The above action may result in you being refused all kinds of credit, loans, mortgages, mobile phones and even lose your debit cards until February 2018, over the total outstanding balance of £533.60. Interest will continue to accrue at 1.13% per day.

 

In an attempt to remedy this situation we would accept an immediate part settlement of £300.00 and as a responsible lender, we are willing to discuss a flexible payment plan for the remaining outstanding balance but time is running out!

 

 

* Calls cost 10p/minute from BT-landline plus standard network charge. Calls from mobile phones may vary, please consult with your mobile operator.

 

I look forward to hearing from you.

 

Yours Sincerely,

Karen Perch

Collections Department

[email protected]

 

 

TxtLoan Ltd

1 Cornhill,

London EC3V 3ND

txtloan.co.uk

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thanks well i've just received this from textloan

 

YOU ARE NOW IN DEFAULT.

 

As a result of your inaction, we deem this to be your deliberate attempt to break the Agreement between You and Us.

 

In order to avoid debt collection and possible LEGAL ACTION AGAINST YOU, please contact us within 5-days either via email: [email protected] or phone: 0871 705 0000*

 

Non-compliance with the Default Notice will mean that the unpaid loan will be recorded in a countrywide credit score database where it will remain for up-to six years.

 

The above action may result in you being refused all kinds of credit, loans, mortgages, mobile phones and even lose your debit cards until February 2018, over the total outstanding balance of £533.60. Interest will continue to accrue at 1.13% per day.

 

In an attempt to remedy this situation we would accept an immediate part settlement of £300.00 and as a responsible lender, we are willing to discuss a flexible payment plan for the remaining outstanding balance but time is running out!

 

 

* Calls cost 10p/minute from BT-landline plus standard network charge. Calls from mobile phones may vary, please consult with your mobile operator.

 

I look forward to hearing from you.

 

Yours Sincerely,

Karen Perch

Collections Department

[email protected]

 

 

TxtLoan Ltd

1 Cornhill,

London EC3V 3ND

txtloan.co.uk

 

 

im not sure what to do. i cant afford 300 or 554 i need a payment plan to clear the 300.

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Really 'lose debit card'... what they really mean is probably/maybe/perhaps/possibly you'll only be eligable for a basic bank account only! hey most of the nation no doubt are!

If really in debt why would someone want an account with an overdraft or more credit? what planet do they live on lol!

 

Hope you not going to take it to seriously ? :roll:

You can probably report it somewhere

Edited by asmilecostsnothing
.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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I was amazed as I tried to go to there address as I work near it during my lunch break to get a letter signed to state that they received it as they have not replied to one of my emails, does this mean they can use the address of:

TxtLoan Ltd

1 Cornhill,

London EC3V 3ND

 

And they are not at this address this is just a post room the lady on the reception told me..

 

Don't believe them they can't close your bank account - who do they think they are your bank manager

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Get that email over to the Office of Fair Trading, Trading Standards and MP Stella Creasy, they are going very much against the OFT Guidelines on Debt Collecting, I cannot see how they think you can loose your bank account, that is none of their business, the bank has its own criteria for accounts, anyway you can always have a basic bank account with Halifax Easycash which has full online facilities and a debit card, Co-op or the Post Office.

 

Get complaining NOW - you can telephone the OFT and Trading Standards if you don't want to email on the websites

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk for the Office of Fair Trading

 

Stella Creasy is very active in the PDL market and has journalists ready and waiting to name and shame these companies.

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I'd email back

 

Thank you for your inaccurate assumption that I am trying to avoid this alleged debt. I am in severe financial difficulty and have continued to communicate with you - which language would you now like me to use to make this easier for you.

 

On x date I borrowed x amount, to date I have repaid x amount

 

Your sums do not add up.

 

Please let me have a copy of your complaints procedure as I now need to invoke this in order to gain resolution via the FOS, Ministry of Justice.

 

I already have contacted the OFT and Trading Standards about your email.

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I cant see that you would lose your bank account/card over this debt.

 

If you were thinking of changing your bank to a different one.. then if you have lots of recorded debt then you might find you have a problem obtaining a debit card as some banks will only provide a basic current account.

 

I suggest you contact the OFT/TS as already advised, send them a copy of the text / email. I would think this company is almost certainly breaching OFT guidelines with their threats..

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Dealing with Customer Service Departments? - read the CAG Guide first

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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well my bank account is already open and with natwest. my wages go in every month to this account and they've just give me a new card which dont expire till 2015 i cant really see how they could effect this.

 

also silly girl how would you word the correspondance to trading standards etc and am i really going to achieve anything by contacting them?

 

i've emailed text loan stating im willing to repay there settlement figure of 300 but only on an installment basis so i will wait for a response to that first which im sure will be now.

 

also you said to say how much ive repaid so far in my correspondance but i've paid them nothing so far :S

 

finally any idea how i get in touch Stella Creasy.

 

thanks in advance.

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thats what i thought as well. i dont want to lose my bank card obviously. ive been doing this for ages and im falling for there tactics with the debit card thing. cant help but worry though. al88 have they forwarded you to a debt collectors yet?

Yeah they forwarded it onto Fredrickson International - whom threatened me with the world basically they have no powers what so ever I offered them £10 pcm and would only be repaying the original loan plus one months which was more than what the credit agreement was for so I borrowed £200.00 and I said as a gesture of good will I will pay back £280 over 28 months they said no and so forth since then they contacted me from a manager to discuss the account and said if I pay £175 in a full and final settlement then he would wipe off all other charges which stood at £470 so I agreed once he sent me the offer and banking details, I paid that at the end of November

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Oh it was for some time but what I did was I cancelled the debit card with bank Natwest at the time and never spoke to txtloans until 28 days after default - however Fredrickson no longer collect under payday loans due to the volume of complaints apparently from Jan 2012. but as for my credit file for 1 it was not good to begin with thats what happens when your silly and 18/19 and use credit cards / bank loans but they have not put anything on my credit file for 2/3 credit file people. as of last month. Don't worry keep to your figure you are going to pay them others would say get there banking details and just pay them I never done that but that would be the way to go in case (which they wouldn't) they attempt to take you to court

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ahh ok hat dont suprise me. last night they informed me they would accept 35 pounds a month however it would be to clear 550 pounds. which id rather not pay back i'd rather pay back he original loan of 300 and only some of the interest. im not sure what to make the payments to txloan or just wait on the debt collector. regards

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also he bank i was paying from i've already cancelled as necessary and opened up a new card with natwest. i just didn want to lose my natwes account but im no even sure how they could make me lose my new card when hey have none of the deatils. ive reported hem for tha email anyways.

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If you have entered into a continuous payment arrangement you CAN stop it and there is no need to change your bank.. please read the following..

 

http://www.consumeractiongroup.co.uk/forum/content.php?850-Continuous-Payment-Authorities-How-to-stop-them

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

just a bit of an update yesterday i received that same email stating the default except the figure has now increased again by almost £100

The above action may result in you being refused all kinds of credit, loans, mortgages, mobile phones and even lose your debit cards until April 2018, over the total outstanding balance of £627. interestlink3.gif will continue to accrue at 1.13% per day.

 

not sure when they gonna pass this over but i aint paying that amount.

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