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    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
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    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
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old co-op debt being chased by..


johnkent
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My wife and i requested from Coop an original signed agreement on the 4th April,

we received a letter back on 30th April to say they are unable to provide us with it because of the time elapsed

because records arn't kept beyond 6 years.

 

Then on 7th may a photo copy of the original signed agreement arrives.

 

Now correct me if i'm wrong but i'm sure i read somewhere that your credit limit

must be stated on the original agreement...Is this correct ?

 

As it only says....Your credit limit will be determined by us from time to time we will give you notice of your credit limit.

 

I can scan the agreement if needed.

 

We took the agreement out in 2005

 

Is there anything that is wrong with this?

 

Thanks for any advise.

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tell us who is chasing you please?

 

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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When was the last date of payment or WRITTEN acknowledgement of the debt?

 

In regards to the CCA response, the CCA must be a full copy of the original, plus terms and conditions of the account at inception and at closure.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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credit card cca's don't necessarily need a credit limit.

 

what is your problem please

why did you cca them?

 

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 so this is a joint CC?

 

why did you cca them?

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

When was the last date of payment or WRITTEN acknowledgement of the debt?

 

In regards to the CCA response, the CCA must be a full copy of the original, plus terms and conditions of the account at inception and at closure.

 

We have been paying at a reduced amount for about 2 years we havn't missed a payment but eveytime they assess a default goes against my name.

 

The copy they have sent me is a full copy.

 

Am i correct that the original that we signed all those years back must have a credit limit stated on it ?

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credit card cca's don't necessarily need a credit limit.

 

what is your problem please

why did you cca them?

 

dx

 

Because the debt seemed to spiral without us using the card, we are not sure the amount is the right amount. We can account for about 3000 but somehow it spiraled to nearer 6000

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I bet you've heeps of reclaimable PENALTY charges

 

late /over etc etc.

 

have you got all the statements?

 

if not i'd SAR them.

 

I wouldn't bank on the no credit limit being a get out as such.

 

but, if you've been on reduced payment plan

ideally they should have helped you by freezing interest and stopping the unlawful penalty charges.

 

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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Share on other sites

I bet you've heeps of reclaimable PENALTY charges

 

late /over etc etc.

 

have you got all the statements?

 

if not i'd SAR them.

 

I wouldn't bank on the no credit limit being a get out as such.

 

but, if you've been on reduced payment plan

ideally they should have helped you by freezing interest and stopping the unlawful penalty charges.

 

dx

 

 

Sorry to seem ignorant but what is Sar ?

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I'm in agreement with Dx. You NEED to SAR coop and get the full facts of your account. As dx says, the debt is most likely made of charges and interest, all of which can be reclaimed.

 

Forget about the credit limit for now and concentrate on the facts.

 

but, if you've been on reduced payment plan

ideally they should have helped you by freezing interest and stopping the unlawful penalty charges.

 

yep. If they have still levied interest and charges after a debtor has informed them that they cannot meet the repayments due to financial difficulty, it would be seen as unfair due to it being a violation of OFT guidance on debt collection.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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click the sar

 

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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Share on other sites

When was the account originally opened ?

 

A Subject Access Request is a request for all information a bank has in respect of your financial relationship them. It will cost you £10.00 and there is a draft request in the CAG library, linked at the top left of each screen.

 

They are actually supposed to keep certain records for 5/7 years AFTER the relationship has ended, which it appears is not the case here.

 

It is interesting that they would not keep a copy of the original document don't you think? Is there perhaps something wrong with the way it was set up?

 

Almost certainly that they have continued to levy interest and charges after your having advised that you have a financial hiccup, which does seem very unfair and probably is in direct conflict with their own code of conduct - the Lending Code. I have attached a copy for your information, read all of section 9.

 

Once you have received your statements from the SAR, then you can reclaim any default/penalty charges.

 

If that doesn't significantly reduce or wipe out the debt outstanding, then you should be requesting them to cease adding interest and charges whilst you are in a payment arrangement.

 

Do you know if there was any Payment Protection Insurance on the account?

 

Have they issued a Default Notice (this has nothing to do with the default they are recording on your credit files). It is a statutory notice they must issue under the act.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oops.. sorry forgot to attach the Lending code..:doh:

 

 

[ATTACH=CONFIG]43778[/ATTACH]

 

You need to read Section 9

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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When was the account originally opened ?

 

A Subject Access Request is a request for all information a bank has in respect of your financial relationship them. It will cost you £10.00 and there is a draft request in the CAG library, linked at the top left of each screen.

 

They are actually supposed to keep certain records for 5/7 years AFTER the relationship has ended, which it appears is not the case here.

 

It is interesting that they would not keep a copy of the original document don't you think? Is there perhaps something wrong with the way it was set up?

 

Almost certainly that they have continued to levy interest and charges after your having advised that you have a financial hiccup, which does seem very unfair and probably is in direct conflict with their own code of conduct - the Lending Code. I have attached a copy for your information, read all of section 9.

 

Once you have received your statements from the SAR, then you can reclaim any default/penalty charges.

 

If that doesn't significantly reduce or wipe out the debt outstanding, then you should be requesting them to cease adding interest and charges whilst you are in a payment arrangement.

 

Do you know if there was any Payment Protection Insurance on the account?

 

Have they issued a Default Notice (this has nothing to do with the default they are recording on your credit files). It is a statutory notice they must issue under the act.

 

 

Asi said earlier thay have now found the original agreement , we took it out in 2005.

 

Yes a default has been added, its a statuary course of action they said.

 

Shall i copy and post the agreement to see if theres anything anyone can spot that makes it void?

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Some companies do issue an automatic default notice when a payment arrangement is entered into. Tesco is one that does this. Yes, if you wish to post the document up for us to have a peek at. Do make sure you edit out any personal details. If you follow the instructions below then you should have no problems. .

 

 

Dx100 – Instructions on uploading pdfs

scan the requiredletters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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done it for you

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

 

I have had a look at your account settings and can see nothing unusual.

 

Can you please do one last check regarding the "go advanced" button?

 

Scroll right to the very bottom of the thread to the "quick reply" text box.

 

Beneath that and to the right you should see two buttons, one says "Post Quick Reply" and the other should say "Go Advanced".

 

What do you see in the way of buttons?

 

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