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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.  
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Forthright finance creditcare PPI advice please


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HI

Need some advice please

 

In 2000 i purchased a car from direct car finance which unfortunately had to be repossessed within 3 mths due to my financial mess at the time.

 

I was left with a balance of about £3500 that i was paying off with token payments of £10mth until 2008 when i found this site.

 

I CCA'ed Apex who where managing the account at the time,

they promptly went away and all communication stopped until recently when i got a letter from DLC

saying Hillsdens had bought the debt and they wanted paying.

 

cca them and got the agreement below.

 

My questions are ........is it enforceable and if so can i claim back the credit care?

 

img047.jpg

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statute barred more the 6yrs sinced last payment

 

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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doh!

 

and how atleast £3k will be coming on PPI reclaim

 

and i bet an sar will reveal the other £500 in penalty charges

 

home free

 

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

What do you advise

Should i contact original creditor for PPI or SAR for full breakdown of all charges .

I'm a bit worried as to whether to take it on as its a lot of money and they may put up a fight or take me to court

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sri??????

 

lot of money

peanuts!!

 

and they cant 'fight'

you've got them by the agreement

 

i'd get the PPI going

 

use the SI spreadsheet from here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

fos CQ from here:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

and a covering letter

 

post them up before you do anything

 

see my sig below for help

 

and READ the notes in the SI SOC..

 

as for the SAR get that off to them too

 

me thinks they owe 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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Share on other sites

just shout

 

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

Sorry about this,I can't seem to get the SI spreadsheet to work, when i put a date from in the box it turns into a % value, i'm using open office anyone any ideas?

Mg_phil

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are you updating the source one on the thread i pointed too ims?

 

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

strange its never come up before

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

  • 2 weeks later...

After having a good read of all the posts i have borrowed a template letter could someone have a look at what i was going to send to forthright and advise if its OK i have put the full amounts of the Insurance products as i could not get the Stat interest sheet calculator to work ( my IT skills not spreadsheet)

 

]Due to recent Media attention I know believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

 

I took out a Hire Purchase Agreement at your Direct Car Finance Manchester Branch on 4/01/2000 and also bought a payment protection policy which would cost me an extra £2827.20 over the life of the loan. The name of the salesperson who sold me the policy is Mr xxxxxxx

When I took out the agreement, I was told that my application would be refused if I did not also buy a Creditcare PPI policy and the Compulsory Motercare Policy. I am now aware of the Financial Services Authority’s advice to consumers that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

 

I do not believe being forced to buy this policy as part of the agreement was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

 

I am requesting a full refund of all my insurance payments, plus interest.

 

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

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Thanks ims 21 but it was that long ago i never kept the records i have sent of for a SAR so hopefully that will have all the info,can i give you a shout when/if it arrives

mg_phil

 

Hi

 

Yep....just post here when you need anything

 

ims

 

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  • 2 months later...

write back and refer too:

 

CCA section 56.

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

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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