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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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someone please give advice for large catalogue debts


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Sorry Bazooka Boo it is a long read but I keep getting different opinions and not sure what to go with. So your saying that if I made lowlife a small monthly offer they would have to accept it? I put in my last letter to them that the account was in dispute with Shop Direct and shouldn't of been sold to them but they didn't mention that in their reply. Yes they own the debt I had a letter of consignment. I will await there next letter and send the account in dispute letter and you think I should do that with Shop Direct also?. Sorry Brigadier, it was a photo copy of a blank credit agreement on one corner of an A4 peice of paper and someone had written my name and address on it in ball point pen. No other info was on it. Thanks all.

STOP!!

Do not make any offer off the back of that alleged agreement it does not satisfy a CCA request as a proper copy or a reconstituted copy as far as I can tell from what you say.

 

 

Lowell are trying to as dx would say SPOOF you!

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Hi been over a year since I was last on here

 

. Received a few letters from Lowell asking for payment of the debt ,

 

in the last one they said they would except half the debt!

 

. I received a letter from them this morning stating that the debt had now been given to Fredrick International and they will be pursuing me for the debt.

Are Fredrick part of Lowell and do I need to write to them or just ignore???

 

Many thanks..

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Yes Fredrick is part of Lowells.

 

Sounds like they are not confident in gaining payment. Perhaps they can't get hold of documents or there is a problem making it easy for you defend.

We could do with some help from you.

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No Lowell couldn't produce an original cca and the account was opened prior to 2007. The account was already in dispute with the catalogue so should never of been bought by Lowell in the first place. Should I put that in my cca request to fredrickson, that it's already in dispute and I have an offer from Lowell for half the amount? Many thanks.

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No Lowell couldn't produce an original cca and the account was opened prior to 2007. The account was already in dispute with the catalogue so should never of been bought by Lowell in the first place. Should I put that in my cca request to fredrickson, that it's already in dispute and I have an offer from Lowell for half the amount? Many thanks.

 

Not sure it is worth it. What if this time they find a copy of the original CCA ! They only have to supply a reconstituted version to comply with a CCA request.

 

Up to you really. Whether you want to spend £1 for the request plus postage and they provide a CCA which starts communications with them.

 

They pass it on to Freds because a debtor thinks things are being escalated and it moves it in to other accounts. I have my suspicions that DCA hold a lot of their accounts offshore to limit taxes paid.

We could do with some help from you.

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What do you mean ' it moves it into other account's?. So do you think telling me it's now with fredrickson is just a scare tactic and I should just ignore them? If Lowell haven't bothered taking me to court and offered reduced amount, is it unlikely fredrickson will go any further?, thanks.

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What do you mean ' it moves it into other account's?. So do you think telling me it's now with fredrickson is just a scare tactic and I should just ignore them? If Lowell haven't bothered taking me to court and offered reduced amount, is it unlikely fredrickson will go any further?, thanks.

 

Lowells group will have many different accounts set up to administer debts. They bought Freds awhile ago and they are no different to Lowell. In my opinion it is a signal they have lost confidence in being able to enforce the debt and perhap think it is worth trying the Freds side of the business. I.e a new name just in case some worry. But nothing different, no escalation.

We could do with some help from you.

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So what will freds be able to do any different from Lowell?. Should I send them the account in dispute letter? Many thanks

 

No. Changing the name of the DCA obviously works, which is why yourself and others post to CAG worried after receiving letters.

 

Up to you whether you send letters. I would not bother to waste postage.

We could do with some help from you.

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Ok so in your opinion if Lowell haven't started court proceedings after over a year, freds won't bother either? Just want my mind put at rest, thanks so much.

 

Very unlikely.

 

But you can never rule it out 100%. Always check post. DCA's do use debt chasing Solicitors to issue court claims on a bulk basis and you would not want a default CCJ because you had not opened an envelope from a court. We have seen people end up with CCJ's for statute barred debts because they were ignoring post. They then have to muck around with set asides.

We could do with some help from you.

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Ok, so as long as none of the letters are to do with court (aside from the obvious threats about it) just ignore!!! Thanks.

 

It is I guess, ok to ignore by not responding unless it looks as though things are getting heavy.. it is not ok to ignore by not actually opening the mail !

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Hi been over a year since I was last on here

 

. Received a few letters from Lowell asking for payment of the debt ,

 

in the last one they said they would except half the debt!

 

. I received a letter from them this morning stating that the debt had now been given to Fredrick International and they will be pursuing me for the debt.

Are Fredrick part of Lowell and do I need to write to them or just ignore???

 

Many thanks..

 

It's a discount letter

 

Totally ignore them

 

Been going since 2012

Don't panic Mr mannering

Willy waving

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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Agree with dx. They know they can't do anything or they already would have. Ignore everything bar court papers

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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