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    • 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.  
    • 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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Sick (literally) of DCA's


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Hello everybody,

 

I need some advice please.

 

I, and my wife, are being hounded by DCA's for old debts.

 

It has gotten to the point that I am suffering severe mental health issues and I am back on medication. This after an attempted suicide.

 

I have no idea where to turn or what to do.

 

They are threatening legal action and doorstep visits etc.

 

The problem is, I know these debts are old, and are either SB or close to SB, but I'm not 100% sure.

 

What should I do in the first instance? Send a prove it letter? What is a prove it letter exactly?

 

Also what do I do about the threatening phone calls and text messages?

 

Thank you for taking the time to read my post and also for any advice.

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First thing to do, calm down and check your credit reports with all 3 agencies. This will tell you if they are SB or not.

 

Don't send anything or communicate with them until you have your reports.

 

If the debts are SB'd, then simply send them the SB letter. They have to prove it isnt SB'd to chase it.

 

If the debts arent SB but will be very soon, then check when the debts are due to be removed from your credit record, and hold tight.

 

It isnt uncommon at all, as you are finding out, for DCA's to try one last time to get you to acknowledge a debt before it goes SB.

 

One important thing to remember is not to let it stress you out. DCA's have no legal rights at all towards a debt unless they own it.

 

 

 

If you do feel very stressed and are unsure which way to turn, give National Debtline a call, or make an appointment with Citizens advice. They are very helpful. National Debtline In my experience know the ins and outs of everything the DCA's will try, and they can be there every step of the way for you.

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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Thanks for the advice. I will see about getting my files from the CRA's.

 

We seem to be getting a steady stream of letters offering discounts, ranging from 10% to 75% off.

 

What worries me most, is working away from home, and they turn up on my doorstep, and frighten my wife and children!

 

Again I thank you for your time.

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Hi Welcome to CAG,

 

Your credit files will give an indication of the status of each debt, if

the debt does not appear then the default will have been removed

after 6 years paid or not.

For a debt to be SB there must have been no payment or acknowledgment

in writting madeto the debt.

 

Your credit report will show the default date of debts, the date for

the purpose of deciding if the debt is SB is the date on which a payment

was due and not made and no further payment was made.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Any company offering a discount will have a dud on there hands. DCA's have NO legal powers at all. Try not to get stressed as there really is nothing to worry too much about.

 

Even if, and it's a bit if, whats the worst that can happen. They get a court order and you pay back only what you can afford.

 

Being in debt is nothing to be ashamed about, esp in this day and age.

 

Should you need any specific help, just ask!

 

Jogs

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We seem to be getting a steady stream of letters offering discounts, ranging from 10% to 75% off.

 

This proves that they know they are on to a losing account, but are trying to milk it for as much as they can. You can safely ignore them or better still send a prove it letter.

 

As for them turning up to your house, have a good read of http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

for phonecalls, have a read of http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

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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As far as your health is concerned please try to relax and no stress about it. I know its easier said than done but you're in the right place to get help.

 

The reason that you get the discount letters is that there are problems with the debts being chased, even if they are not SB.

 

They either done't have the relevant paperwork to take it to court or the accounts are littered with unlawful charges which can be reclaimed.

 

There may also be PPI which was mis-sold.

 

Check out the SB status as advised above but above all try not to worry.

 

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i remember back in the days when we did not know which way to turn. then we found CAG . it will not belong before your laughting at the DCA'S childish attempt's at being a bully i give it 1 week till your ribs start to hurt with laughter

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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i remember back in the days when we did not know which way to turn. then we found CAG . it will not belong before your laughting at the DCA'S childish attempt's at being a bully i give it 1 week till your ribs start to hurt with laughter

 

Maybe I should change my username to "Chuckles" :lol:

 

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and here's me thinking i might get a free break from HUGGYS BOSS

YOU HAVE NO CHANCE:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks all! We really appreciate the thoughts and advice.

 

As I said above, I will get my files from the CRA's and go from there.

 

I will also read the "threatening" links.

 

While I'm asking, I have a CCJ that "expires" in a few months. Will that simply drop off my CRA file?

 

Also, my wife wants to know, if a debt is SB, does it fall from your CRA file forever? Can it come back onto your CRA, from a DCA, for any reason? Any other effects a SB debt has on your future creditworthiness?

 

I am thankfully feeling a lot better after reading your comments! You guys (and gals) are brilliant.

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It will drop off but they can still technically chase it. However, they would need to go back to court, and a judge would want to know why they've taken almost 6 years to chase it without any previous action. In circumstances like that, plus your medical history, their chances of being granted the ability to chase it are slim to non-existent.

 

Once it has dropped off your Credit report, it cant be placed back on there. It's gone. Finished, wiped, deleted. The debt technically still exists, but it would be unenforceable so they wouldnt be able to get a single penny out of you for it. Once it has dropped off, your credit report is treated as is if it was never there. You would need to build up your record to show a good history again, but it would be much easier due to no CCJ's being on there.

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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Yes the default and CCJ will be removed.

A debt becoming statute barred does

not get removed from \CRA files if the

default still has time to run.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brigadier, thanks for that.

 

But I'm confused - and that's not difficult - as to SB versus default removal?

 

So a debt can be SB'ed but a default notice can still stay on your CRA file? Does THAT ever go away?

 

Thanks jogs. You were right! :)

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If a defaulted debt becomes SB it is not removed until

the 6 year default period is ended.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes after six years 0f being on your file it will auto drop off.

 

The difference between the date of default and the sb date is 'normally' about six months...

 

Posts crossed, what Brig says..:lol:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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and here's me thinking i might get a free break from HUGGYS BOSS

 

There is no hiding from the boss :whoo:

 

Listen to what these guys are saying Spacecadet they know what's what.

 

Any default will drop off your file after 6 years.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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Sorry guys, I'm probably being thick, but having reread a previous post re CRA's I see the number 3 is mentioned.

 

I know of Experian and Equifax? Who is the 3rd?

 

Thanks again and sorry for being a bit stupid! :/

 

 

see below

 

noddle are free and quick

 

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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