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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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PPI And Debt Management!


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Need some help regarding PPI?

 

am i entitled to claim even though my debt is in a DMP.

 

My DMP have said they can do it for me,

when i researched them its just somebody in the same building as them under a different name.

 

What is the best way to start the ball rolling?

 

Has any of you done it on your own and most importantly have you done it whilst in a DMP?

 

Also,i have a credit card that i still have and use,

 

is it worth trying to claim on that too or do i have to pay it off first?

 

Many Thanks

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why are you in a fee paying DMP?

 

dump them!!

 

do all the DMP debt SHOW on your CRA file?

 

as for using ANY co. to reclaim PPI ... no !!

you can lose up to half of your reclaim through their fees and cut of the refund.

 

you can reclaim PPI at any ttime under any situation.

 

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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Hi odydog,

 

I am in a similiar situation in that I have a DMP (Free One) and been in it for a few years. I am currently claiming back PPI and have just had a succesful claim. So, go ahead and start to claim back all of your PPI.

Don't worry about wether it is "the right time etc", just go ahead and get some of your money back.

 

There are lots of people on here who can give you good advice.

 

Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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and seriously question WHY

you are paying any debt that is not on your CRA file!!

 

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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But why has it not been visable on my file?its always baffled me?

 

 

dunno how old is it

tell us the full history

 

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

Hi odydog,

 

I did it all myself. Just did some research on this forum and asked a few questions and received some help here.

 

Do take the time to read some of the material signposted in certain members signatures i.e dx100 etc. It helps a lot.

 

Don't even think about using a Claim Company, they can do nothing extra to what you can do!!!!!

 

Plus the sense of SITTB is just so much greater if you do it yourself instead of an overcharging claims company

 

Jedicris

Edited by Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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Back in 2004 we had a loan,

it went to a DMP after my hubby was abroad.

 

No help what so ever from the bank so had to go to DMP.

 

Only ever had a default from a credit card that was defaulted at same time as loan on credit report,

 

only ever heard from the bank for a couple of months and never heard anything since.

 

If PPI could be reclaimed i would be asking them why i ever ended up struggling in the first place.

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full history please

 

taken out in 2004

 

paid under DMP with XXXX date date.

 

etc cetc

 

please

this is important.

 

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

The loan was with HSBC,

defaulted in 2005,

passed to DCA in the May

Waiting for DMP to take over payments.

 

I also had a credit card also with HSBC they were the only one's to default on my credit file.

Default has now cleared although still paying.

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DMP with whom?

 

dx

  • Confused 1

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

are you still paying them ?

 

if you are stop!

 

are you aware that your payments WERE comign off the debt?

dont rely on them [spectrum] sendig you statements they lie]

 

have you any evidence from say halifax or your CRA file that what you were paying spectrum actually came off the debt?

 

 

me thinks they have been pocketing the payments and this debt has in the meantime gone SB'ed.

 

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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How can i find this out? I have only ever heard anything from the credit card debt from HSBC. when i asked spectrum for the balances for each account i was not even sure the figures were correct.

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thats why i said - SAR to Halifax - earlier.

 

that will give you everything they hold on you

 

would also be of course useful for the reclaiming.

 

if they still own the debts then what you have paid should have been coming off the debts

and SHOULD have been reported to the CRA's too.

 

sadly, the CRA file not being updated is a clear sign something fishy has gone on somewhere

 

if you were paying a debt off - why not report it...

 

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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