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    • 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.
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Blemain (Heywood/Spot Finance) want me to sign a 'letter of assignment'?


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Hi everyone,

 

Please could you help me on this matter.

 

I have got an unsecured loan with a finance company, unfortunately due to a change in circumstances I wasnt able to pay the regular monthly payment.

 

I verbally agreed with the finance company a reduced monthly payment which i paid for 18 months by standing order.

 

Unfortunately I had to cancel the standing order at the beginning of the year but re-instated it last month.

 

Early this year I received a letter from them explaining that my account has been transferred to another company within their group.

 

For the past month i have been receiving calls everyday from the new company but I have not spoken to them.

 

I have now received a letter from the new company:

 

1) Asking me to sign a letter of assignment.

 

2) They also said that they have instructed solicitors to commence litigation proceedings.

 

I made a mistake today by answering the phone to them and

 

when i told them that I had an arrangement in place with the original finance company

and had been paying this for 18 months,

 

their response was they have no record that the reduced payment was ever agreed

and now want full repayment of the loan.

 

Please could you help me on this...dont know what to do

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Before doing anything let's get all of the detail together please.

 

Can you scan up this letter they want you to sign. The reason I ask is that a Notice of Assignment is just a letter informing the debtor of a change in ownership. It sounds odd.

 

You can use this method to post up the documents but ensure that you remove anything that can identify you first.

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAGicon in the title

i'e Default notice DDicon-mm-yyyy

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

 

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You can leave their stuff in......it is only things that can personally identify you that needs to come out such as name, address, reference numbers, bar codes and the like.

 

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Possibly a cleverly worded admittance letter?

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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If they wanted a signature of receipt they should have sent it via Recorded Delivery !

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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Have you chopped any of the letter off. There should be on the bottom.

 

Registered Office, Consumer Credit licence, and other details.

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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If they have had this since December 2013, why has it taken them 4 months to contact you ?

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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Hi everyone,

 

Please could you help me on this matter.

 

I have got an unsecured loan with a finance company, unfortunately due to a change in circumstances I wasnt able to pay the regular monthly payment.

 

I verbally agreed with the finance company a reduced monthly payment which i paid for 18 months by standing order. Unfortunately I had to cancel the standing order at the beginning of the year but re-instated it last month.

 

Early this year I received a letter from them explaining that my account has been transferred to another company within their group.

 

For the past month i have been receiving calls everyday from the new company but I have not spoken to them.

 

I have now received a letter from the new company:

 

1) Asking me to sign a letter of assignment.

2) They also said that they have instructed solicitors to commence litigation proceedings.

 

I made a mistake today by answering the phone to them and when i told them that I had an arrangement in place with the original finance company and had been paying this for 18 months, there response was they have no record that the reduced payment was ever agreed and now want full repayment of the loan.

 

Please could you help me on this...dont know what to do

 

Ok, well it might be worth you investing £10.00 and sending a subject Access Request to the original Creditor - I would think it matters not that the reduced payment arrangement was formally ratified in writing - you made the payments for 18 months and can prove this.

 

So was it just verbally they have said that they will issue legal proceedings ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request(1-Viewing)-nbsp

 

TBH, I am not certain what action you should be taking other than establishing a payment arrangement. I will ask others on the site team.

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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no they referred to it in the letter that came with the request for me to sign the letter of assignment(see below)

 

Please find enclosed a letter of assignment in relation to your above mentioned account. Please sign and return the form in the envelope provided.

 

We would also like to advise you that we have instructed xxxxxxx solicitors to commence litigation proceedings in this matter due to non payment on your account.

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I still think it is a very cleverly worded letter that is trying to get you to admit the debt is yours and the amount etc is correct. So if they try court action, they have written proof that you accept full responsibility and they are pretty much guaranteed judgement.

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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What have you got in the way of statements of account?

 

Are there any penalty charges on there? If so then they can be reclaimed to reduce the amount of the debt.

 

If you have the statements, do they show all of the reduced payments you were making?

 

What kind of values are we talking about here?

 

When was the loan taken out?

 

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no they referred to it in the letter that came with the request for me to sign the letter of assignment(see below)

 

Please find enclosed a letter of assignment in relation to your above mentioned account. Please sign and return the form in the envelope provided.

 

We would also like to advise you that we have instructed xxxxxxx solicitors to commence litigation proceedings in this matter due to non payment on your account.

 

Hmm, that is very quick then.. well for a start I dont think that letter would stand up under Pre action Protocol..

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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What have you got in the way of statements of account?

 

Are there any penalty charges on there? If so then they can be reclaimed to reduce the amount of the debt.

 

If you have the statements, do they show all of the reduced payments you were making?

 

What kind of values are we talking about here?

 

When was the loan taken out?

 

 

loan was taken out circa.2005 - havent received any statements of account in the past 18month/2years

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loan was taken out circa.2005 - havent received any statements of account in the past 18month/2years

 

Wow.

 

Absolutely get a Subject Access Request (SAR) off to the original lender as suggested by citizenB

 

Sadly there is a statutory fee of £10 to pay but it may well pay dividends to find out exactly what has gone on with this account.

 

Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green. They will have 40 days to comply.

 

Also, no need to sign any Notice of Assignment letter so you can forget doing that.

 

The team have been alerted to this thread so there may well be some more input for you in a bit.

 

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:)

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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send them a CCA request too

 

DONT SIGN IT

 

use a £1 BLANK PO too.

 

if Blemain Finance are involved in this

you can bet you have all manner of PENALTY fees

and have probably been spoofed for years into paying what you no longer owe!

 

what was the original loan figure

 

and what do you supposedly owe now?

 

also

its a threat-o-gram don't reply

 

as for their legal proceedings..

doesn't say 'what' beginning legal proceedings means

 

typically a load of silly letters.

 

have you the original agreement still?

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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