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    • Hi all,   I would like to thank you all for your help so far on this matter. I have been reading some relevant thread on here as rightly suggested to get myself up to speed.   One thing is certainly clear, and that is NO to mediation. I have got to put the form N180 in the post first class tomorrow money to meet Monday's deadline. I haven't really found a clear answer to one or two things: 1) Can i change the hearing venue to my preferred county court? 2) What's my reason for considering the case not suitable for the small claims tack and what alternative?   I'm really sorry to be a nuisance but this has got to be posted tomorrow morning and i'm running out of time.   I am really counting on your advise please
    • I have contested a parking ticket on Bradfield Rd car park in Sheffield i was only there in April for 39 minutes but got issued a ticket saying i was parked in permit holders space. Its normally free for 1hr 30. I have attempted to pay the original fine but it would seem there reference number is incorrect as it does not let me pay.  They have now sent letters demanding £160 and have passed the charge to a company called Zenith.  I have rang wrote etc but cannot get any form of coherent communication and am now worried as to what to do next any advice appreciated.
    • Hi caggers,  OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).   They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.   I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.   They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.   They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.   Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.   Thanks PM
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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My daughter was visiting a friend at her apartment and didn't realise that she had to get a permit.

 

She received a ticket off care parking.

 

They wrote to me as the registered keeper and I have replied stating that I wasn't the driver but they have quoted Protection of Freedom act

stating that this is no longer accepted as a defense.

 

I have successfully fought several PPC's in the past but before the protection of freedom act.

 

Any indication of where to go with this one now would be appreciated.

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Hi the experts will be along but to my mind the only difference now is that PPC's can now chase the registered keeper but the PPC's still face the same problems as before the POF act came into force. So advise I have seen is still ignore.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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defense my foot!

 

you can safely ignore them

 

it makes no odds in all reality the changes

 

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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You could make it difficult for them and ask them for a copy of the contract that allows thm to claim parking charge son behalf of the LL as you need this for your defence. If they cannot supply this, then nay future correspondence will regarded as harassment which is a criminal offence. :-)

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The Protection of Freedom act still does not make it worth all the hassle of taking you to court. They have given it their best shot and it's failed.

 

Ignore and move on.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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You could make it difficult for them and ask them for a copy of the contract that allows thm to claim parking charge son behalf of the LL as you need this for your defence. If they cannot supply this, then nay future correspondence will regarded as harassment which is a criminal offence. :-)

 

 

Could you explain this a little more please and what is LL. thanks

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LL = LandLord

 

The jist of the request for sight of the contract is that you are challenging the fact that they have any (contractual) right to operate the carpark on behalf of the landlord and specifically, notwithstanding they can "operate" it, that when someone breaks one of their little made up rules, that they can pursue the driver legally.

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LL = LandLord

 

The jist of the request for sight of the contract is that you are challenging the fact that they have any (contractual) right to operate the carpark on behalf of the landlord and specifically, notwithstanding they can "operate" it, that when someone breaks one of their little made up rules, that they can pursue the driver legally.

 

I ahve read a lot about the POPLA and the 35 day so called appeal rule. Would you say it's worth persuing that line as they have not sent me an appeal code as believe they are supposed to.

 

Also in the POF act is failure to pay there invoice classed as reasonable cause?

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I ahve read a lot about the POPLA and the 35 day so called appeal rule. Would you say it's worth persuing that line as they have not sent me an appeal code as believe they are supposed to.

 

Also in the POF act is failure to pay there invoice classed as reasonable cause?

 

 

Take the advice and ignore!

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Don't ignore. POPLA may be a joke but this is a new procedure backed by DVLA, BPA and legislation, weak and useless legislation but non the less. More ppcs are trying their luck with N1 forms at present. Follow protocol, appeal to PPC then to POPLA, Then send a cease and desist letter threatening charges for any direct or third party letters. It's court or nothing. Now ignore. In the unlikely event of a court hearing, you have done your bit and it will show favour. But once again, court is extremely unlikely

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Certain PPC's ( including Parking Eye) seem very reluctant to issue POPLA codes and resort to stalling tactics, such as asking for "proof" that somebody has used the shops on site. This seems to suggest that PPCs are not very happy with going down the POPLA route, because it costs them money, and latest figures indicating that about 60% of appeals are upheld in favour of the motorist.

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