Jump to content


  • Tweets

  • Posts

    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Carter/Lowell CCJ Threat vanquis card - advice on what to do first


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3451 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello Everyone,

 

I've spent a lot of time reading on forums today, but thought perhaps best to post on my own.

 

I've recieved a letter from Bryan Carter solicitors saying they have been instructed by Frederickson to issue court proceedings on 7th Feb

if I don't pay up now (£433.38).

 

From reading online it appears this Bryan bloke isn't just threatening, and he probably will issue proceedings.

 

After looking on noddle,

I can see a default for that amount, and its for a vanquis credit card that had a limit of £250.

 

I was making payments on this, but stopped mid 2009.

 

I understand I'm now going to have to deal with a lot of letters etc.

 

My confusion is to what to do first.

 

Do I

1) Wait and see if i get the court proceedings (my research online tells me they will go ahead though) or

 

2) send them a prove it to both lowell and BC or

 

3)Although, I know I had this CC so am I best just to contact Lowell and make a payment plan?

As I had been making payments on it before, so if it went to court I would have no defence.

 

I don't have the money to pay this off in full, or even to make a settlement offer

(I work PT on a low income and we are just keeping our heads above water now),

 

my only option would be to ring them and offer maybe £25 a month (at a real push)

 

do you think they would accept that?

 

I'm also reluctant to get a CCJ however as this will mess up the next 6 years for me

just when I feel like there may be a light at the end of our financial tunnel.

 

What do people suggest I do first? Many Thanks in advance!

Edited by Morr
new info
Link to post
Share on other sites

  • Replies 53
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

If they are not going to issue papers until 7th February, then you have a little time in hand - so yes, you could write to them with the "prove it" letter, available from the CAG library.

 

You would send this to Bryan Carter as he is the one who has written to you, however, to cover yourself, I would send a copy to Lowells as they will ultimately be the claimant if they do issue a claim.

 

You would send any CCA request to Lowells.

 

A subject Access Request will take 40 calendar days and would need to be sent to the original creditor.

 

All the draft letters are available from the CAG library - highlighted in gree - top left of the screen.

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

Link to post
Share on other sites

Great, thanks.

 

I will send the prove it and just see what they come back with.

 

I could keep my fingers crossed that they have maybe lost paperwork.

 

But I've kind of resigned myself to the fact I'm going to have to somehow pay it.

 

I wonder if they would accept a lower full and final offer.

 

The credit limit was £250,

i wonder if they would accept that. Will send the letter off and see.

 

I feel bad even trying to find a way round this, as I know I had the card and couldn't pay.

 

I'm just stressing about how I will manage to settle it now,

 

money is far too tight as it is.

Link to post
Share on other sites

I would be wanting a breakdown before any offers should you consider a F&FS on a credit limit of £250 to rise to £433.

 

Have you ever received a Notice of Assignment to Lowells from the original creditor?

Have you ever received a Default Notice from the original creditor?

 

Always prudent to prepare for court and also adds weight to your negotiations.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I can't be sure about the notice for assignment, or the default, as I have moved a lot, so it's possible it's come and I've not received it or opened it. I am today planning on sending the below to Bryan and to Lowell, what do you think? Any objections? Should I send it recorded, or just normal?

 

Dear Sirs,

You have contacted me regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that we have no knowledge of any such debt being owed to Lowell or Frederickson International.

 

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

 

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

We look forward to your reply.

Link to post
Share on other sites

Excellent and dont forget your section 78 request (CCA) :thumb:

 

It is important to head it " I do not acknowledge any debt with your company"

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Send it to lowlifes, but annotate on the letter to bryan 'bloody' carter that you have requested this info from lowlifes.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Yes send it seperate...they both cant get lost in the post:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Great, thanks guys! I really appreciate it!

 

I will send those out today and perhaps when I hear from them next I will get back in touch with you if that's okay for some more help?

 

Weirdly,

I got another letter this morning from lowells regarding a mobile bill from 2007.

If I remember correctly I was in dispute over them (I went into the phone shop to upgrade my contract,

 

the salesman started me a new contract yet didn't cancel the old one and it was still active

 

- I took this up with vodafone and the shop but haven't heard anything for years

assumed they had found the shop at fault.)

 

lowell must be scraping the barrel for some new year money.

 

I think this debt would be statute barred anyway.

 

What is also weird, is that I still have my mobile contract with vodafone and according to my credit file it's all perfect and fine

and was started in March 2008.

 

Do you think I should write to lowells now, or wait until they take it more seriously (then could send statute barred).

 

I'm guessing as now I have finally got in touch with them, they will start bothering me more.

Link to post
Share on other sites

" So lowell must be scraping the barrel for some new year money. I think this debt would be statute barred anyway."

 

We can only assume that a portfolio of old mobile/catalogue debts were purchased for £35 :madgrin:that are either statute barred or close to...these claims are by the 1000s and I'm sure Northampton and the courts if defended are fed up to the back teeth.

 

Still you have to try to make a fast buck:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Right, have the following to take to post office:

 

1) Prove it to Bryan Carter (Recorded delivery)

2) prove it to Lowell (Normal post)

3) CCA request and £1 postal order to Lowell (Normal post)

 

I'm trying not to waste money at the post office (as I only have £11 to last me till Friday!) so do these delivery options sound ok?

Link to post
Share on other sites

You can save on the recorded delivery if you ask the PO for a receipt Morr.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Great, thanks guys! I really appreciate it! I will send those out today and perhaps when I hear from them next I will get back in touch with you if that's okay for some more help?

 

Weirdly, I got another letter this morning from lowells regarding a mobile bill from 2007. If I remember correctly I was in dispute over them (I went into the phone shop to upgrade my contract, so the salesman started me a new contract yet didn't cancel the old one and it was still active - I took this up with vodafone and the shop but haven't heard anything for years so assumed they had found the shop at fault.) So lowell must be scraping the barrel for some new year money. I think this debt would be statute barred anyway. What is also weird, is that I still have my mobile contract with vodafone and according to my credit file it's all perfect and fine and was started in March 2008. Do you think I should write to lowells now, or wait until they take it more seriously (then could send statute barred). I'm guessing as now I have finally got in touch with them, they will start bothering me more.

 

Hi Morr,

 

Thanks for making me aware of this.

 

To enable me to get things looked into further, could you email me with your details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

Link to post
Share on other sites

Morning everyone, happy Friday! Not so happy for me.

 

Got another letter from Bryan Carter today, he responded quick considering my letter only got delivered to him yesterday.

 

So he is saying (have no scanner available till Tuesday so just summarised):

 

- I would have received a notice of assignment in July 10

- I made a payment of £1 in May 2012 (I definitely did not! Unless I sent them £1 for a CCA back then, which I may have done,

are they allowed to class this as a payment? Not that it makes a huge difference as according to my bank statements

I last paid them in July 2009, so long way off being SB)

 

- It then says it is the policy of the original creditor to provide agreements and statements therefore I already have them

I should refer to my own records. It then tells me to contact lowell to get any further info.

 

SI already sent Lowell a CCA request Tuesday, along with a copy of the letter i sent to BC,

I have done what Bryan Carter have suggested,

do I just hang on now and wait till lowell get back to me? I

 

posted the letter by recorded on Tuesday,

they would have got it yesterday, so the 12 working days is Monday 17th Feb.

 

Bryan Carter tell me they have put court proceedings on hold till 13th Feb.

 

I'm guessing if I haven't heard from lowell by the 11th Feb,

 

I should maybe write to BC telling them I'm still awaiting the outcome from lowell.

 

Is this correct, o

 

r should I be sending any other letters at the moment?

 

Thanks everyone!

 

 

God, I really hope they don't have a signed CCA from me, otherwise I'm well and truly stuck.

Link to post
Share on other sites

Hi Everyone, just bumping this post really. Today is the 6th, and BC say they are starting court proceedings on 13th. I've not heard anything from Lowell after my CCA (their 12 days is up on the 14th Feb, so should I write to BC and say, I need them to extend their deadline as I am awaiting confirmation of this debt from lowells?

 

Thanks!

Link to post
Share on other sites

BC is simply intimidating you into responding.

The £1 payment WILL have been for the CCA, he knows it and is hoping you don't.

 

This odious creature needs a damn good briefing, report him to the SRA http://www.sra.org.uk/home/home.page

 

He has to issue you with court papers yet before he can just stroll into court.

If you receive any such fabrication off him, you simply state that you are going to be defending in full, this gives you more time, so any notion of him going to court on the 13th is a complete myth on his part.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Hello Everyone,

 

 

today is the 11th February, and I've not heard a peep out of Lowell after my CCA request

(which I sent recorded delivery on the 28th Jan, they would have received 29 Jan).

 

However BC's last letter, said they would resume action on the 13th Feb,

I want to send BC's a letter telling them I have still not heard back from Lowells,

therefore they cannot persist with chasing me until I have proof.

 

I think I have seen a letter around somewhere along the lines of to pursue whilst the debt is being disputed is breaking the OFT rules,

or something like that!

 

Can someone please point me in the right direction to find a letter of this description.

I want to post today to ensure BC's doesn't sting me with papers when I'm not expecting it.

 

On a seperate note, looking online, the account was opened March 2007,

does this mean that unless they can send me a signed CCA then they cannot enforce it?

I can't remember if I took out online or through the post.

 

If I took out online, does the CCA route not exist (as presumabley I ticked a box confirming T&C's). Thanks everyone!

 

Sorry, just bumping to see if anyone can help with what letter I need to write today? I really do want to write today as I need to make sure it gets there by Thursday!

Link to post
Share on other sites

They have 12+2 days to respond to your CCA request, so I wouldn't be sending anyone anything yet.

 

As for BC, why are you entertaining him?

Unless and until he sends you a summons which you will defend in full, then don't play his puerile little game.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

In his last letter he said he would resume court action on the 13th Feb, which is Thursday. I'm scared it will get to Thursday and he will just send them out. I wondered if a strongly worded letter would buy me more time. This all makes me so nervous and anxious.

 

I do see what you mean though. the 12 working days plus 2 will be Monday 17th. I'm just trying to do anything to avoid court papers on my doorstep....

Link to post
Share on other sites

Sending letters and getting into ping pong with this guy wont make any difference...wait and see if he issues a claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...