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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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Ruthbridge chasing old Direct Auto Finance Yes Car 'debt'


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Hi,

 

Im posting SAR tomorrow.

 

Which part of the S79 request have they not complied with?

 

It was Mortimer Clarke who wrote to me a few months ago,

DLC provided the agreement,

 

I havent heard anything further yet from Mortimer.

 

What is it that DLC have not sent me?

 

I am not intending on making any proposals at this time.

 

thanks

 

RH

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read your thread already answered

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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post 43.

 

 

Is that the lot

 

3pages of t&cs missing

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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Ok, ive just looked at the letter.from dlc and it says please find enclosed a copy of your original agreement, terms and conditions plus a transactions list....definitely no t and cs enclosed. Im guessing i now write back to say they havent complied because they werent enclosed

 

Rh

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nope

you don't tip them off

 

 

sar to daf that's all you need to do.

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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  • 3 weeks later...

I sent a sar letter to direct auto but they have written back saying signatures didnt match and want passport or drivingnlicence plus proof of current address. Is this normal and if so shall i just go ahead?

 

Thanks

 

Rh1

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Have you moved since you took this out?

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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did you include a copy of your current ctax bill as the sar said then?

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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  • 1 year later...

Hi,

 

So this matter continues 18 months later.

 

Mortimer Clarke have now sent letters with income and expenditure forms which I ignored and then another letter giving me 30 days to get in touch and make an arrangement or else they may issue.

They also provided the missing terms and conditions.

This is now without a doubt statute barred as last payments were in 2011.

 

Shall I just ignore and let them issue then defend with statute barred?

I cant recall now whether I got a response from my SAR after providing them with my council tax bill (earlier threads).

 

I will send another SAR letter in the meantime but just wanted to check that statute barred would be a complete defence and if so should I respond by letter to Mortimer Clarke indicating statute barred say or just sit back and wait for them to issue?

 

 

Thanks

 

 

RH1

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no send our SB letter from the debt collection forum of our library.....

 

was the letter entitled letter of claim

 

mentioning pre action protocol

and with a reply form & I&E sheet?

 

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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Hi,

 

 

There is a front page which said we need your attention, potential legal action. Then a letter saying if I do not contact them within 30 days Cabot may ask them to issue court proceedings and ask for a ccj against me. Then attached to the letter there is are two pages entitled 'Letter of claim details', a reply form, I and E form and direct debit form. It looks like they mean business.

 

 

Thanks

 

 

RH1

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right so it is a PAP letter then

 

do as post 4 here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

use OUR FORM!!

state the debt is in dispute because it is statute barred

staple our SB letter to the form

no CCA needed

 

no sigs needed

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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about time you tried getting that ppi back properly too...

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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