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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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Lloyd's sold our accounts ton1st credit


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Hi

On the loans and credit cards, did you ever do a full CCA request and get a response?

Were these responses enforceable?

What about default notices etc

 

£10 per week on each account adds up so they are probably quite happy . As the Brig says , because you have been paying it would be six years from the last payment before they were statute barred but if the are unenforceable then maybe give it a whirl.

Any opinion I give is from personal experience .

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Hi

On the loans and credit cards, did you ever do a full CCA request and get a response?

Were these responses enforceable?

What about default notices etc

 

£10 per week on each account adds up so they are probably quite happy . As the Brig says , because you have been paying it would be six year

s from the last payment before they were statute barred but if the are unenforceable then maybe give it a whirl.

 

 

 

Problem there fletch the payments are an admission of liability.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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If you want the statements you will need to SAR Lloyds bank directly, a £10-00 fee is payable and should take no longer than 40 days. Having just sent them a SAR myself they were very quick to return the package.

 

 

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If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Problem there fletch the payments are an admission of liability.

 

Am I missing something here?

 

As far as I am aware , the lack of a response to a S77-79 request makes the account UE (yes I know that is until it is fixed) but also for a pre Apr 2007 account the creditor needs to show that they have their ducks in a row i.e a compliant signed agreement , a compliant DN, regular statements etc etc. An agreement that is not properly executed is irredeemably UE even if you shout from the roof tops that you owe the money

Ms Mayhew was paying right up until the court date yet Santander lost the case

Any opinion I give is from personal experience .

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  • 5 months later...

Hi sorry for no response, we sent SAR off but nothing, and today letter from 1st credit came saying

 

 

We refer to our previous letters and are unaware of any legally valid reasons for non payment of above debt or a reasonable offer being made.

We have not received in full or been able to set a repayment plan with you despite numerous attempts to contact you to resolve this matter.

 

As a result of these circumstances we are now considering an escalation in collections activity such as further letters and phone calls.

 

In an attempt to resolve this matter we are extending a one of settlement opportunity to enable you to settle your account whislt making substantial saving. This offer is open for acceptance throughout March, after which it is automatically withdrawn.

 

You pay 35% £1952.18

Discount of 65% £3625.47

 

 

I get 4 calls a day and 3 texts of them (on a old mobile) a letter every other week and no matter how many times told waiting on a SAR they just keep going

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Have you actually told them not to call you , template in the library . 4 times a day is beyond reasonable if you have told them not to contact you by phone .

That is one hell of a discount which does make me wonder why

Any opinion I give is from personal experience .

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Yeah they have 2 letters saying not to both signed for. And also a change of name deed which they signed (I know minor but still an annoying thing )

 

I wonder if it because this time next year debt wrote off? The last payment they had was Feb 2010

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  • 2 years later...

Hi guys sorry to ad to this, but I got the response of the orbital debt the SAR! Only 3 years late but we have made no payments what do ever! As they couldn't probe who owned it ! Now demanding payment, the accounts do not show in noddle credit file, but will check others, I'm fuming! No contact since 2014 then this! Hand written too!!

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