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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.
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GE Money Loan paid but have outstanding arrears account.


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Apologies, I should have had a good root around before submitting a new thread.

 

First things first we need to submit a SAR. If we were to do this would it jeopodise our current arrangement with GE Money? No its a legal request

 

Can I ask please what DCA stands for (Debt collection agency?) Correct

 

Thanks.

 

Sheila this separate arrears account ...has it got a different account number?

 

Regards

 

Andy

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I am looking for an address to send the SAR to.

I have found this contact address on their website:

 

Shall I send it here addressed to 'Data Controller' instead of 'Resolutions Team'? Yes

 

Searching around I find conflicting addresses to send it to, but as this is on their website I feel it's likely to be the one? Thats the current one

 

Also I am going to send a letter requesting that all further correspondence are carried out using letter only. Does this sound acceptable? Are they not already?

 

Many thanks.

 

 

Andy

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You dont need that Sheila " I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT."

 

Thats only used if the debt has been assigned.

 

You can add and be specific for any document you require within the DSAR.

 

Regards

 

Andy

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Many thanks Jon

 

Looking at the Iloan Group credit agreement (GE Money) it refers to a page 2 and conditions......can you shed any light on the Key Financial Details?

 

Regards

 

Andy

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Hi Sheila

 

Im getting a little lost here...why are we presuming that a CCJ exists on this account?

 

Regards

Andy

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I personally don't think that any Judgment is in place ...its a secured loan...they dont need one...they can go straight for a CO to secure the debt.

 

Is there a Charging Order ...has the Land Registry been checked?

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Thought as much so a CO is already in place.Jon I have unapproved your other post as there is far too much personal information on view.

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I think the point i made earlier has been missed here (apart from DB) hence my suggestion to check the Land Registry

 

This is a Mortgage secured.

They dont need a CCJ.

The CO was placed at the time of the application (Standard)

The Sols fees are not reclaimable that is the process of a secured loan.

 

Nothing can be done Sheila until you are furnished with the DSAR.I assume the debt has now been paid and only arrears are outstanding.

Its your choice to stop payment as from now or wait until you can quantify the unfair charges and then make a claim.

 

Regards

 

Andy

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" Even though the solicitor fees were in Feb 2005 & May 2005, not when the loan was taken out? (Sorry I don't understand why they are lawful because it's a secured loan)."

 

I wasn't aware that they were later in the process..so yes if there is no reason or incident for their involvement at this date then query the charges.

 

" Do you think we would be penalised for not paying, or not paying as much (or at least end up in a worse situation? I am going to send a letter today to explain that we are cancelling the direct debit and that we will manage the payments."

 

Difficult to advise there is no way I can predict what action they may seek...they all ready have their charge....depends on how and when they can execute.I agree that the DD must be stopped and you control payment manually.

 

Regards

Andy

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There is no CCJ connected to the Charging order...the CO acts only as security (the Property) against the loan...perhaps execute was the wrong word..options open could be Bailiff/ Bankruptcy ....forced sale would be the very last resort IMHO.

 

 

Regards

 

Andy

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Hypothetical scenarios Sheila ...they may not do anything thats why you need to wait for the DSAR and raise a dispute and challenge them.

We could do with some help from you.

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Sounds like a good plan Sheila.

 

Regards

 

Andy

We could do with some help from you.

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