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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • 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.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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However does the 40 day period include weekends or is it working days ? Also I now have a company car so no longer need the Megane so I will need to sell, could I do this ?

CCA request 12+2 working days, SAR 40 calendar days from the date received.

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CCA request 12+2 working days, SAR 40 calendar days from the date received.

 

So what happens now, I can't just sit around and do nothing or this will never get sorted and it's dragged on for over a year.

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nope await the sar first

 

then we'll decide

 

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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ok well as you are at a lose end

 

somethings to do:

 

in post 43

 

in the other docs pdf

 

there are lots of docs with the customer sig blanked out

 

is this your sig on all of them?

 

hows the PPI and the charges reclaiming going?

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 well as you are at a lose end

 

somethings to do:

 

in post 43

 

in the other docs pdf

 

there are lots of docs with the customer sig blanked out

 

is this your sig on all of them?

 

hows the PPI and the charges reclaiming going?

 

 

DX it looks like my signature but i cant ever remember signing them, as for the charges, I haven't started with that claim yet, I am going to get on with that this week.

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So what happens now, I can't just sit around and do nothing or this will never get sorted and it's dragged on for over a year.

 

 

 

 

Inform Welcome that it has failed to comply with your lawful request for information made under DPA 1998 and that the breach will be the subject of a complaint to the ICO within 7 days if the data required is not received.

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!

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Inform Welcome that it has failed to comply with your lawful request for information made under DPA 1998 and that the breach will be the subject of a complaint to the ICO within 7 days if the data required is not received.

 

Did you mean CABOT ?

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Did you mean CABOT ?

Apologies yes Crapbot.

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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"If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

 

Therefore this account has become unenforceable at law.

 

You have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

You may not demand any payment on the account, nor am I obliged to offer any payment to you.

You may not add further interest or any charges to the account.

You may not pass the account to a third party.

You may not register any information in respect of the account with any credit reference agency.

You may not issue a default notice related to the account"

 

Someone has just pointed out that because WELCOME failed to respond to the original CCA request they had no right to sell the account onto CABOT, would this be right, all welcome provided was the adjusted second agreement not the original.

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yes but rarely enforced.

 

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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  • 3 weeks later...

So it's been 60 days since I sent the last letter to CABOT and no agreement from WELCOME yet.

 

As stated before I need to sell the car or return it as I have a company car now, does anyone know where I stand on this, I know legally I dont own the car but need to get this resolved.

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capitalisation is interest you cant inc that

neither conversion fee, nor HDPI

nor assessment

 

FIXED sum penalties only

 

Dx do you have atemplate letter for claiming back the charges applied, also would i send this to WELCOME or CABOT as they bought the debt ?

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always goes to the OC.

 

there is a credit card charges letter in the library tab top left

 

ADAPT that

 

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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ah yes sorry

the library was culled sometime recent

 

adapt to suit........

 

Account number

 

Dear Sir/Madam

 

I recently became aware of media reports on the investigation into credit card charges by the Office of Fair Trading.

 

I now understand that the regime of fees which you had applied to my account in relation to late and over limit charges

are unlawful at Common Law & under both Statute and Consumer regulation as they do not represent a genuine pre-estimate of your actual costs, but more a fixed PENALTY.

 

I would draw your attention to the terms of the contract which you agreed to at the time that this account was opened.

 

It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law

and in consideration of fair business practices and good faith.

 

It is my contention that you have failed to operate my account in a manner conducive to the above and have demonstrated a lack of fiduciary duty.

 

I calculate that you have taken £240.00 plus £878.70 which you have charged me in interest which totals £1,118.70.

 

Therefore this letter demands a refund of all PENALTY charges indicated including interest to the date you settle,

 

As the account concerned is closed, I request that payment is made directly to me, either by cheque or by BACS transfer.

 

I trust this clarifies my position.

 

Yours Faithfully

 

Enc; Schedule of charges

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...

Hi, just a update again.

 

It seems that CABOT are also unable to obtain the original credit agreement from WELCOME as

I have heard nothing from them since I sent the request in April,

 

What do I do now ?????

 

Also I have drafted a letter to welcome to claim the charges back on my account,

 

I was just wondering how long do I give them to respond to the request (not that I'm holding my breath)

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until/unless cabot send the CCA, its parked

 

as for the charges,

they have 8 weeks to ans the complaint

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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  • 4 weeks later...

So I have finally heard from WELCOME regarding the charges applied to my account, it seems that I am unable to claim the real charges back as WELCOME entered into "THE SCHEME".

 

It also appears that I had 3 accounts now and not the 2 accounts they first claimed, This is a right mess, think it's time to give up fighting them as they have failed to comply with a SAR request in time, unable to produce the original CCA, and sold a account that was in dispute to CABOT.

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you need to convert to PDF

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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Share on other sites

can we see you spreadsheets please

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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Share on other sites

you cant include

 

capitalisation

option to pay

fee assessment

HPDI fees

 

and you[ve left your name on the file

 

I've unapproved them too so they cant be seen

 

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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  • 1 year later...

Ok, it's been a while since I updated this post but nothing has happened since.

 

The car that we had the finance on has finally decided to give up on us,

 

we have purchased a new car (not on finance),

 

the reason for this post is that we want to scrap the megane and was wondering if we can ?

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