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    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
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Global Debt Recovery, is this a con


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I have recently been contacted by GDR who claim that I have an unpaid debt with Lyodds TSB.

 

I did bank with Lyodds when I was a kid but closed the account and moved to Halifax about 12 years ago.

 

I have read many of the posts on this site so would appreciate a bit of advise as to whether this is statute Barred as I have already managed to trick GDR into confirming the account was closed in 2000 and that no payments have ever been made and no payment plans have ever been in place.

 

Surely 12yrs is long enough.

 

These jokers keep trying to say that as I did not tell the bank I moved house i'm commiting fraud. Again I do not beleive this but would appreciate any assistance.

 

Cheers

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ignore them

 

check your CRA file has not been trashed

 

see below

noddle is 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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and stay off that phne!!

 

no dca has ANY legaL POWERS

so ignore them

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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Are banks even legally allowed to sell on statute bared debt, if they know it cant be collected then why would anyone take this on?

 

Nope, they shouldnt be allowed to.

 

However, the Original creditor gives very little information in these Debt bundles. Usually just an account number, name and last known address oh and of course how much was the last recorded balance.

 

IMHO, the Debt Purchaser should be enquiring deeper.. is there any PPI or charges that the account holder might try to reclaim - is there an unresolved dispute - is there an agreement on file. But they dont so they take on any risks.

 

There have been quite a few cases where DCAs have been issuing Statutory demands like confetti only to discover they are statute barred !!

 

Below is the CSA's own guidelines. However, as these DCAs dont even adhere to OFT guidelines.. it is just another waste of paper.

 

Stat barred debt[1].pdf

 

 

The reality is...

 

Many DCAs will argue that limitation accrues from the time when the "default notice" is issued. It does not.

 

Limitation clock starts ticking from when the payment is due and not paid not when they send a default notice.

 

We see often that CRA entries will date 5 or 6 months ahead of when the payment was missed.

 

People need to be sure that they aren’t being hoodwinked and that the DCA is extending limitation so they can sue when they are not allowed to.

 

Once you have written advising the debt is statute barred - it is for them to prove otherwise. However, they should leave you alone.

 

 

 

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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

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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

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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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The debt doesn't disappear when it becomes statute barred, it means that they can't use the legal system to force payment.

 

The debt is still there and always remains so and they can chase for it if they want. You just don't have to pay it until such time as they come up with a way of enforcing it in the courts which they no doubt will do one day.

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Yes, I would write and inform them it is statute barred.

 

There is a letter in the CAG library..

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

If they continue to pursue.. there is a follow up letter in the library.

 

You will see from the CSA guidelines.. once they have been advised that it is statute barred, then they should close their books.

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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I would also point out to them that accusing you of fraud is tantamount to libel, and that any further accusations will result in a libel case against them

 

I missed that bit - you might want to point out to them, that Wonga was censured by the OFT for suggesting that consumers were committing fraud !!

 

http://oft.gov.uk/news-and-updates/press/2012/40-12

 

The OFT action follows statements made by Wonga to customers in two types of written communications and in the wording of one call script.

 

Without having appropriate justification the letters or emails suggested that customers may have committed fraud and that Wonga would consider contacting the police if customers did not act as Wonga requested.

 

If they have suggested in writing, that you have committed fraud, then copy the letter to the OFT. You are under no obligation to let anyone know that you have moved !!

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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Thanks for the link CitizenB, Have ammended the letter to my own requirements and will have it sent out today or tomorrow.

 

Should this be done via recorded delivery or will standard postage be sufficient?

 

If I wernt a strong willed individual there claims of me commiting fraud could be quite upsetting, however I said to them if was Statute Barred when they contacted me and I was asked is that statement which I replied yes and they hung up.

 

Cowards

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Thanks for the link CitizenB, Have ammended the letter to my own requirements and will have it sent out today or tomorrow.

 

Should this be done via recorded delivery or will standard postage be sufficient?

 

If I wernt a strong willed individual there claims of me commiting fraud could be quite upsetting, however I said to them if was Statute Barred when they contacted me and I was asked is that statement which I replied yes and they hung up.

 

Cowards

 

IMHO, I would send it to them by recorded delivery.. to their Head office / registered office address to ensure that it reaches the correct person and also that you have a record of sending it.

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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Is it also advisable to set up a PO Box or something similair as they dont have my current address and I dont want anything to happen to credit file.

 

Whilst i am not perfect and have defaulted in the past these debts are all currently being serviced and show in my file as being paid back.

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Would it be advisable to also state in the letter that one of there agents has already confirmed that the account was closed in 2000 and no payment plan or request has ever been received?

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Would it be advisable to also state in the letter that one of there agents has already confirmed that the account was closed in 2000 and no payment plan or request has ever been received?

 

Would not bother. Send the SB letter as it is. It is up to them to prove that the debt is enforceable. Per OFT, if you say that you will not pay an SB debt, they have to stop contacting you.

 

They probably won't bother responding and will just stop contacting you. Many of these companies, just won't bother spending any money on the chasing process. They are investment companies buying debts for a very cheap price, in the hope of getting a return.

We could do with some help from you.

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A bunch of [problem] artists if you ask me.

 

Cannot beleive some of things written about this company.

 

If you do your research into the whole debt business, it does stink. Basically the world is run on debt and the IMF recently released a paper that basically said, that the whole way banks create money is flawed and will never work.

 

Have a look at this site and it will inform you about how the world really works. http://www.positivemoney.org.uk/

We could do with some help from you.

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Some of the posts do suggest that they keep hounding people even after this which is worrying to say the least

 

Just keep the post and a record of any phone calls received. Waste of their time. If you feel harassed by it, then it is working. Just look on it, as a load of nonsense. Once the SB letter is sent, then that is it as far you are concerned. I would not bother responding to any further letters from these people, unless it mention any evidence of the debt not being SB'd.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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This can only be SB as the only thing that it would be is an unauthorised OD which I have never been contacted for Lloyds should be ashamed of themselves for selling this debt on as they have never made any request of me. I closed the account in branch so surely they would have asked me to clear anything that was on the account.

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