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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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i offered vanquis money, they didnt take it, defaulted me!


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Hi, I have a vanquis card that is 80quid from paid off. In December I called up to get a new card and was told I was on a repayment, and I couldn't get a new card. I spoke then to a guy who strangely said that because of charges/ppi, I would be able to give a settlement of under a hundred quid to clear the balance which was 191 and it would be satisfied on my credit file. Would I take it. Of course I would. I told the guy I would pay on Jan 3 as agreed as my student loan went in. I remember this vividly because he said 6am (bizarre) and I told my housemate this and he commented it was a good deal. I gave them my card details ( I know it sounds stupid but I trusted them, I see now I should have paid them ) but come January no payment is taken. I have bank statements to prove this and records on my phone of calls. Funny, maybe I had misunderstood. I left it until Feb. Around this time to my horror when I contacted them I was told I had been narrowly missed being passed to a dca and that it was in the process. First credit. This then turned into cars. I set up a payment arrangement with them, (cars) and never heard or had any such default from firstcredit.

 

Vanquis claimed they could not deal with me so I was left with the ineptitude of cars. In I think august, cars accused me of not paying. I later discovered this was because they do not do standing orders or dd, instead it is all done on card numbers and I replaced my debit card, so when they charged me, the payment did not take. I rang them asking why they had stopped taking my payments and the card thing was explained. Anyway to my horror, I saw my call credit and experian files... I have a default from vanquis in April!! I offered them the money in january, they did not take it out then they issue me with a default, then I am accused of not paying the repayments because of some cowboy dca!

 

I want to dispute this default. If vanquis had taken the money at all or properly, this would never have happened and the account would be settled by now. I want this default removed! I was totally shocked. They've passed me onto cars this cowboy outfit and now won't even speak to me about my account. How should I go about getting this horrifying default removed? Thanks,

Edited by annemarie83
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This is very unclear :

 

1 was the debt ever passed to 1st Credit?

2.Which company placed the default.?

3. Was the default place prior to the December phone call?

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This is very unclear :

 

1 was the debt ever passed to 1st Credit?

2.Which company placed the default.?

3. Was the default place pyrior to the December phone call?

 

 

Hi sorry. The deafault is dated April. I have 4 statements from Dec-April. My statement is issued on the 4th of each month. Dec statement no mention of first credit, only of late payment and arrears. This is when I call. they agree to pay it off with my card ( there are my notes in pen on my statement regarding this call so I know exactly what happened). January 4 statement comes, no mention of first credit. I think well obviously my payment wasn't put on as it happened that day..February 1st credit become involved. Vanquis no longer will deal with me. I'm really mad about this thing and now I have to deal with somebodody called cars in may. In April I now find out somebody defaulted me. When I rang vanquis up they claimed to have no details for me and it must have been passed over at some point to firstcredit or in the process, but they don't know. It's with a dca now.

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Sorry, I've never actually received any correspondence from this firatcredit, ever. Cars started sending me crappy hysterical letters about doorstep agents in April may time and I have no idea who placed the default. Vanquis won't discuss my account as its with dca.

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Ok we are talking 2012 here?

What company name shows on your credit reference files now is it CARS? (important to know this)

My guess is Vanquis registered the default

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I think that they ignored any offers for payment or did not log them and instead I was passed into the ether and got a default. This is a massive deal for me as my other defaults are from 2008/9 and I'm only just getting my credit file clean. Then they come out of nowhere, and pass me to a dca. though strangely, the default only appears on callcrefit and experian. Equifax shows it as ap. I'm worried if I challenge it, they'll update equifax too and make it worse ( ive worked hard to claw myself up to'fair' on there)

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Is that the Vanquis payment holliday scheme?

 

Not sure, ill have to check paperwork, but it was basically useless as I remember, which was perhaps why the person mentioned he'd take payment of 96 quid because of charges. Which was precisely why I gave them my details to pay it!

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  • 3 weeks later...
Anybody have any ideas about things I could include in my complaint letter? Have they breached anything? Or have they just been incompetent?

 

 

The plot thickens with this....

 

This default only showed on experian. As I was preparing to write to them, out of the blue, they whacked a default onto equifax!

 

The weird thing is....its raised my credit score 65 points to fair!! Whats going on? Now I'm worried about disputing it, in case my score drops to poor. Why on earth would this happen?? It's madness.

 

What would people advise?

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I would appear that there has been a delay in updating files.

If you feel the default is wrong yes contest it with Vanquis.

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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Should I do this via equifax or letter? They did not inform me that it was passed onto a dca and they did not take this money. How do I prove they didn't do something? I have bank statements and their statements, but this is all. I heard somebody on here say that vanquished are notorious for being unable to provide original credit agreements. Should I take the cca route? Any idea of what sort of argument I should start with would be good. Thanks,

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