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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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barclaycard debt sold to Lowell - chasing BC debt


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Claims would go to the Original Creditor. They will then almost certainly pay any amounts due directly to Lowell, and send you the balance if there is anything left over.

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If the account has been assigned/sold then the original creditor is not permitted to repay any refunds to the new owner - 3rd party agency.

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So we're do refunds go!? :s

 

As stated above. If the account is sold warts & all to another party then whatever you claim from the OC goes to you (although if you've got other accounts in debit with the same bank I think they can use the refund to go towards thoses other accounts) The OC may try it on and use any refund to set-off the amount owed to the new owners of the debt, but if that happens you have to educate the bank regarding the right of set-off.

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There is something on the FOS website that explains the right of set off and that it cant be done if they have sold/assigned the account to a 3rd party :)

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Uploading documents to CAG ** Instructions **

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There is something on the FOS website that explains the right of set off and that it cant be done if they have sold/assigned the account to a 3rd party :)

 

So if a refund is obtained what happens to the full amount owing to the 3rd party?

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So if a refund is obtained what happens to the full amount owing to the 3rd party?

 

That's a good question. The amount "outstanding" would be including the unfair charges and PPI so could be deemed to now be inaccurate (as the figure is made up OF these unfair charges). However, if you were successful in having these charges and PPI payments refunded, then you've already effectively had the "discount" off this amount.

 

DCA claim you owe £2000. £1000 is unfair charges. You get £1000 back from OC. DCA still chase you for £2000, but you've had £1000 of that back.

 

Complex!

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That's a good question. The amount "outstanding" would be including the unfair charges and PPI so could be deemed to now be inaccurate (as the figure is made up OF these unfair charges). However, if you were successful in having these charges and PPI payments refunded, then you've already effectively had the "discount" off this amount.

 

DCA claim you owe £2000. £1000 is unfair charges. You get £1000 back from OC. DCA still chase you for £2000, but you've had £1000 of that back.

 

Complex!

 

 

 

Very complex!! I have similar with LTSB! I have an outstanding loan of just over £5,000. I made a claim for mis-sold PPI/charges on that account. My refund was £5,000+ but DCA are still chasing me for original £5,000.

 

As 100% of the original balance was made up of mis-sold PPI and charges, surely I didn't really owe it in the first place! Stay with me!! And I'm still being chased for the full amount.

 

I gave up months ago trying to understand the full implications, so have just offered to pay the DCA £1/month - sounds realistic and sustainable to me given that it's just a credit debt.

 

BTW, I originally refused LTSB's offer as "derisory" - verbally and in writing - but they still insisted on sending it to me. I accepted it as "part-payment" and now I'm looking for another £2-3K from them.

 

Such is life!

 

 

Impecunious! :-)

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Very complex!! I have similar with LTSB! I have an outstanding loan of just over £5,000. I made a claim for mis-sold PPI/charges on that account. My refund was £5,000+ but DCA are still chasing me for original £5,000.

 

As 100% of the original balance was made up of mis-sold PPI and charges, surely I didn't really owe it in the first place! Stay with me!! And I'm still being chased for the full amount.

 

I gave up months ago trying to understand the full implications, so have just offered to pay the DCA £1/month - sounds realistic and sustainable to me given that it's just a credit debt.

 

BTW, I originally refused LTSB's offer as "derisory" - verbally and in writing - but they still insisted on sending it to me. I accepted it as "part-payment" and now I'm looking for another £2-3K from them.

 

Such is life!

 

 

Impecunious! :-)

 

Mmmmm my balance is 390 of that I reckon about 200 is charged and ppi could be more though. Surely you could argue with the dca once a refund has been obtained x amount had been refunded leaving x amount to pay and make an offer of payment. Given that the dcas are always desperate to get you to pay are they likely to say no?

 

I'll get that sar off tomorrow :)

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Lets say you have a loan of £400, 200 in your hand and 200 to pay off charges. You dont pay on this so it is sold on to a dca. you then find that the charges were unlawful and claim them back the bank pay you £200.00 - you have now had the full £400 in your hand so the balance owing is the full £400.

 

You cant have the refund and have it deducted from the loan it is one or the other.

 

Would you have had a £400 loan in the first place since you only needed £200???? that is a whole different issue

 

just my opinion

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The new owners of the debt will have purchased it from the OC for probably pennies in the £. Obviously they will want you to pay the full whack of the original balance but hold out and they will be offering huge discounts and still make a profit. It’s an interesting one as if the debt was made up entirely of charges which you have claimed back from the OC, it seems wrong for a 3rd party dca to make a profit on the back of the debt as if it wasn’t for the charges there wouldn’t have been any debt to sell on.

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My opinion was based purely on an accounting point of view.

 

would you have had that much debt if it wasnt for charges? - NO

 

Should you pay the **** bags the full amount? --- only you can decide....

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But surely the OC is at fault selling on a debt knowing full well it's riddled with charges and mis sold ppi!! That would be an issue between OC and third party surely they've sold a debt on under false pretences. Mmmmm interesting.

 

Sar sent to OC anyway I'll be interested to see what both come back with.

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But surely the OC is at fault selling on a debt knowing full well it's riddled with charges and mis sold ppi!! That would be an issue between OC and third party surely they've sold a debt on under false pretences. Mmmmm interesting.

 

Sar sent to OC anyway I'll be interested to see what both come back with.

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But surely the OC is at fault selling on a debt knowing full well it's riddled with charges and mis sold ppi!! That would be an issue between OC and third party surely they've sold a debt on under false pretences. Mmmmm interesting.

 

Sar sent to OC anyway I'll be interested to see what both come back with.

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A debt can be sold at any time defaulted or not charges and PPI

included.

The ICO guidance says if a debt consists of charges without which

the debt would not have been defaulted no defaulted be recorded,

challenging in this way may get a default removed.

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No.

 

They should not be collecting whilst the account is in dispute.

 

They can not send a collector without your prior agreement (OFT REGS)

 

Doorstep Collectors Letter

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There is nothing to stop them attempting to collect when

the debtor is waiting for a SAR even when waiting for a CCA

request they can attempt to collect but cannot enforce in court.

The subtle difference is between collction activity. attempting

to collect is NOT enforcement.

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The inability of a DCA to receive payment of PPI/charges from a bank for debts/alleged debts they bought, makes for an interesting situation, especially in Scotland.

 

Once a debt/alleged debt becomes time barred five years after the last payment. Then the debtor/alleged debtor could then seek return of charges/PPI, and no one would own an enforceable debt to attempt to chase for the repayment.

 

It obviously applies elsewhere too - but to claim there are only six years of records in a five year jurisdiction, makes one year very difficult to deny/set off.

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5 years only in Scotland when the debt is not only SB but completely

extinguished 6 year in England an Wales and the debt still exists.

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Yes - I could have made the "Scotland" bit in the first paragraph clearer.

 

But can you see what I mean - effectively when the banks are claiming they only have six years of records, but can only pursue for 5 years.

 

So it looks like this could mean repayment for Scottish PPI/charges five years after the last date of payment (etc) could result in a repayment that could not be set off against a debt as it was extinguished.

 

Does anyone agree/disagree?

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