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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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Ppi put me in bankruptcy !!


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the question in post 6 needs answering

 

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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somethings not right here....

 

the PPI was cancelled / last charged 22/08/2008.

 

interest ran until 22/11/2009.

 

if the account was terminated then they cant charge interest

 

i'll go look at your other thread.

 

dx

 

 

 

Hi dx

 

 

The PPI and card remained live throughout the 18 months period then

 

when they put it in default it all got cancelled as I understand this !

 

I never cancelled anything,

 

I never received any communication from Capone since Dec of 2006,

 

I contacted them 4 times by phone and letters regarding change of address and activating the PPI due to illness in April 2007 and Dec.2007

and continued paying DD for the 18 months period.

 

Hope this helps WBx

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ah just reread the statements

 

they didn't charge int passed the termination date.

 

you also have penalty fees within range too.

 

is this going to end in court eitherway?

 

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

ah just reread the statements

 

they didn't charge int passed the termination date.

 

you also have penalty fees within range too.

 

is this going to end in court eitherway?

 

dx

 

 

Thank you dx, Yes I am in process of court of appeal and it was just to clarify what the total amount of money should have been taken into account as being reclaimable I think, which then would have brought it under the £750.00 required for them to bankrupt me.

 

 

The fact that they would have known this prior to application and the fact it was kept from the judge and from me until now will be a factor I am sure !

 

 

As it is my understanding of the application of insolvency law that the creditor must list amounts of money that are interest payments and PPI etc. On a separate amount from the total debt . BW Legal did not disclose this debt as anything less than my total outstanding debt owed.

 

 

Regards WBx

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then all the penalties from day one apply

 

give me a while

 

the ppi spready earlier is also wrong.

 

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

then all the penalties from day one apply

 

give me a while

 

the ppi spready earlier is also wrong.

 

dx

 

 

Sorry dx what dose this mean ? Are they intituled to all the penalty fees ? what spread ? Sorry am confused as to is this good or bad for me ? WB awaits xx

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Sorry dx what dose this mean ? Are they intituled to all the penalty fees ? what spread ? Sorry am confused as to is this good or bad for me ? WB awaits xx

 

 

I know its late but when you say all penalties apply from day one is that on me or on them??? Anxious to response dx with thanks wb x

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you can reclaim ALL of them at THEIR interest rate

an all the ppi at their int rate.

 

lots of money off

 

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

you can reclaim ALL of them at THEIR interest rate

an all the ppi at their int rate.

 

lots of money off

 

dx

 

 

OMG Thank you dx....You had me worried for a moment ! I was worried because I know you know all as regards PPI , a thousand thanks for your help here dx wendyboats xx

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merry xmas

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 have tried to download as suggested been trying for hours'....................I know its probably me as I am hopeless at this, but really want to include them in my appeal that I must send off on Monday !

 

 

Thanks for quick response I shall continue trying and update soon WBxx

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in 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

Thank you , Thank you , Thank you , PDF worked and have printed off........... So am I right in understanding this means...PPI owed is £696.85. and refundable charges are £2,294.57. ? Really ?.... OMG...dx100 you are wonderful to have done this on xmas day for me, I am so grateful to you really I am xxx

 

 

I am putting in with my appeal to show the Judge , CAG YOU ARE THE BEST!! Happy new year to you all, love Wendy aka Watson on the case xx

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someone with more knowledge needs to confirm here the restitution bit

 

but you need to insert somewhere that the sums claimed are at THEIR interest rate and are being reclaimed in restitution.

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... 

Link to post
Share on other sites

someone with more knowledge needs to confirm here the restitution bit

 

but you need to insert somewhere that the sums claimed are at THEIR interest rate and are being reclaimed in restitution.

dx

 

 

 

Yes I understand this and will add this fact now.......... As I have said above dx100 Thank you soooooooooooo much , I am sending you Big Hugs xxxxxxxxxxxx

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