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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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Payday loans (Prob heard it all before


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NO. If they want to discuss the offer or the account, they are only to communicate in writing. Do not fall into their trap.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Any ideas with the QQ one people, do i pay it and does it look like a F&F settlement if i do. I can use my mums card to make the payment of £500 but will they still chase me or settle it juging on the emails they sent me

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You must get it in writing from them that its Full and Final and there is no chance of them chasing or passing on any remainder of the debt owed. ALso, if you do get this confirmation, then do NOT pay by debit card. Standing ORder only, or from a prepaid card or obsolete bank account that you wont use again.

 

QQ are well known to "forget" what they agreed to, and use the details to take whatever they like from the account, whenever they like. We have also had reports of them sharing debtors information with other PDL's.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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They keep telling me on the phone that the email they sent is full and final settlement and that the only was to pay is the methods i mentioned earlier... I can use a bank account that i rarley use i guess. But i am just concered about the wording in the email regarding it being full and final. How and what am i best approaching them back saying?

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Why are you talking to them on the phone? If its FULL settlement, then the wording of the communication needs to be specific.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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DO NOT CALL THEM. That is exactly what they want you to do. They WILL take your details and they WILL debit what they want, when they want. It might not be immediately, but its guaranteed to happen.

 

If they will not send an email to confirm it, then they do NOT get any money. Think about it. If they refuse to send an email with the wording i mentioned earlier, then theres something very wrong with the "agreement".

 

Of course, i can only offer you advise based on experience, but if you feel that you want to give them the money simply because they are threatening and harassing you, then that is totally up to you.

 

They have already gotten to you by claiming the debt is almost 1000, then offering a 50% reduction. Plus you felt forced to accept a loan from a family member.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Screenshots wont count. You need the confirmation to be in letter or email only. If they will not send you one, simply dont pay them. Send them an email or letter and ask for a copy of their complaints procedure. Exhaust this procedure so you can take the case to the FOS. Also file a full complaint with the OFT.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Do you guys think this is good enough as a full and final settelment. Still can't get bank details off them.........................Thank you for contacting us to inquire about how to settle your balance. Please be advised, acceptance of the settlement offer constitutes the due date will not change and you will be ineligible to receive funds from Quick Quid or our affiliates in the future. The settlement we can offer is detailed below and the remaining balance written off.£500.00__________due 13/07/2012 via debit cardOur records indicate we do not have valid banking details on file which is needed in order to set your arrangement in place. Please contact us immediately to update your debit card or banking details. You can contact us via email, phone, and Live Chat. To update a Direct Debit please provide: Sort code and Account number. To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Issue number, Card Expiry Date, and Card Start Date.Please remember to have funds available on the dates listed above. This arrangement cannot be cancelled and collection procedures will continue if it is not honoured.If you have any queries, our Collections Department is here to help.QuickQuid Collections Department

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Nope. They want your details. Not good enough. They give you THEIR payment details or its a no deal. I say this because QQ are known for offering low settlement amounts ( because they add on unfair charges and fee's), yet once the details are in their possession, they take the full amount and tell you that they are entitled to do so.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Really!!! What if i Pay them the 500 then cancel my card and order a new one and write to my bank saying under no circumstances do not authorise any payments to this company?

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Thats the thing, they wont debit the 500, they will most likely debit the entire amount in one go. Of course theres the offchance that i am completely wrong, but exprience and history of this PDL and others tells us differently. They have done it multiple times before and so have a lot of other PDL's. It's the main reason we tell people to DEMAND their banking details. If they refuse for some obscure reason, then they are refusing a valid form of payment towards the debt, which is a breach of OFT regulation on debt collecting.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If i only make sure their is 500 in my account they wont be able to take more will they, then i could cancel my card... Its like banging my head against a wall trying to get their account details you see

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You could try that, but some banks have been known to take an account into an unauthorised overdraft to fulfil the transaction.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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