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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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Shop Direct Debt


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SAR 40 days if beyond that then complaint to ICO.

 

Shop Direct if you pay like I do £1.00 or so per month may accept, all I have seen is non payment then account sold off then action by a Debt buyer possible court route ( if the amount is worthwhile chasing), sure others will advise.

:mad2::-x:jaw::sad:
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did not I just keep paying that amount, they will not talk about it via e-mail, NDR are shop direct anyway. I also run a spreadsheet on charges so that one day the amount matches what they reckon I owe them. in fact the CRA Noddle shows account not in default, so I let sleeping dogs lie for now.

:mad2::-x:jaw::sad:
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How long have you been doing that for, Mike770? I'll just keep paying and see what happens. Surely that'll go in my favour if they do take it further. I noticed that the default does say that they MAY take further action, not WILL.

 

It's somewhat comforting to know that I'm not alone in my problems with Shop Direct.

Edited by The_Sherinator
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How long have you been doing that for, Mike770? I'll just keep paying and see what happens. Surely that'll go in my favour if they do take it further. I noticed that the default does say that they MAY take further action, not WILL.

 

It's somewhat comforting to know that I'm not alone in my problems with Shop Direct.

 

 

as I see it you are showing a willingness to pay to an extent, suppose it depends on the alledged amount you owe them>?

:mad2::-x:jaw::sad:
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go to the ICO site and fill in their complaints template and send it straight away, that is what I did regarding another company.

 

get those charges reclaimed if they match the amount owed, using the 39.9% + the £10.00 SAR charge from date of request.

:mad2::-x:jaw::sad:
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I'm hoping and I'm 99% sure that reclaiming the charges will reduce the debt considerably!

 

Although, couldn't they say that the charges are fair and block any reclaim?

 

I've been getting chest pains due to the stress of this and their unwillingness to listen.

Edited by The_Sherinator
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If they try and say the charges of fair, they have to prove it. SInce they are very obviously penalty charges, it would be impossible for them to do so.

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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  • 3 weeks later...

Hi,

 

Need some help ASAP.

 

I have received my usual summary from Shop Direct and it has all the latest payment of £1 on it.

 

Inside is another letter,

 

a 'Notice Of Sums In Arrears' stating that I have failed to make the payments!

 

What the heck is going on?

 

This is for the account that they mysteriously defaulted but not the others.

 

Oh and they've added on £44 in missed payment charges from last month to this month!

 

What do I do now. I'm still waiting on a response from my SAR.

 

I know I've paid the £1 per account and can prove it, so what should I do!?

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nothing whats so urgent about that?

 

you are supposed to pay them the stated monthly figure on the statement

 

you are not

so they have levied their usual unlawful PENALTY fee of £12

 

the notice [NOSIN] letter is what they must send if they levy a PENALTY charge

 

just add them to the reclaiming spreadsheet

you are going to do

 

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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If the default is made up of charges or because of those charges they added a default, then yes. It can be challenged.

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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reclaim THEN address the default issues.

 

only if the Default Notice 14 day figure contained PENALTY charges

or was SOLELY their charges can it be asked to be removed.

 

same goes for markers

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 month later...

Hi,

 

I have finally received the SAR request from Shop Direct today.

 

I have to say, I expected it to be bigger, it's fit into a standard A4 window envelope.

 

It does not contain most of the things I requested in the SAR.

 

I have a few pages of screenshots,

which don't seem to date back to the entire history of the account

but do show some letter fees (£12 per letter) and late £12 charges.

 

There are also some printouts of what I'm assuming must be excel spreadsheets pasted into Word

and not set to landscape and not aligned. I can't make heads or tails of it.

 

There are no statements,

no CCAs,

no transcripts of telephone conversations,

no default notices and so forth.

 

It also says, at the bottom of the letter,

 

"Full details on how we use your data and who it is passed to is contained

within the data protection policy pages in our catalogue."

 

Basically, look it up yourself.

 

What are the next steps? They haven't followed up properly. Is there a letter to send back?

 

Thanks.

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is the 40days up

 

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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Yes, a while ago.

 

I received a letter early February which thanked me for the SAR request

and they were gathering the information.

 

I've just received the very little bit of information today and

 

I sent a letter on 13th December reminding them.

 

It's been 66 days since then.

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having had sars from them before the info will be in the logs

 

you wont get calls more recent than 3mts transcripted, if at all

you certainly wont, or rarely get a DN copy.

 

can you scan up

barring the rubbish which is not 'data

 

what you have got?

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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  • 10 months later...

Did we ever find out what happened with this case?

 

Kinda entering in to a similar situation with NDR/Shop Direct and this has been a good read.

 

 

They are threatening me with a default on my account.

 

 

That doesn't worry me in the slightest in all honesty, as this is my mess and I have to deal with it.

 

What worries me is how they go about getting the debt back?

 

 

I am just paying them £100 each month at the moment but they are still not listening.

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