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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Capital One/Capquest/Lowell


lowwill
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Good Afternoon guys, well two letters in one envelope today but to my confused mind they seem to contradict each other. As shown above they did not send a proper CCA but the letters shown I have now sent the letter suggested by 42Man but it must have crossed with these two new ones. Any advise is always welcome please.

 

CapOne2260809062.jpg?t=1251306969

 

CapOne1260809063.jpg?t=1251308350

 

Well please help if you can.

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Ignore this. Let them terminate the account the tell them their DN is unlawful because 1) all statements about action they will take must be "clear and unambiguous." Stating they may add costs is not clear and unambiguous. They cannot add any costs without a court order or unless it is specified in the agreement. 2) The paragraph about the debt collection is not clear and unambiguous. They "may" pass it to debt collection - will they or won't they? - that is not clear. And they cannot say what a debt collection agency may do. That is speculation and cannot be known.

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Well I sent the letter 42Man recommended on 28 August which means they have until 16th Sept to respond, but in the meantime they have ignored it and sent me today the following but still no CCA.

 

CapOne1020909064.jpg

and the back page

 

CapOne2020909065.jpg

 

I feel as though I should respond by acknowledging the letter but also pointing out that the account is in dispute because they have not addressed the issues.

Please as usual any advice is more than welcome.

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  • 4 weeks later...

After an unacknowledged request for a CCA complete with £1 postal order, a letter from me telling them the account is in dispute (not acknowledged) I have today received this one. Persistant they certainly are but no-one seems to singularly want to put their name to anything. So far I have had about 11 letters in two months with 5 copied signatures on them. What do I do with this one? Any advice please?

 

CapitalOne2609071.jpg?t=1253892973

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Cap1 sent me a similiar 'faulty' default notice last year when I had faithfully made payments for 4 years. They'd also asked me for doctors information, and being naive I'd also sent them it at a cost of £30 to obtain. But I'd never make the same mistake again, they have no legal right to all this personal info and how can a debt collector interpret medical information anyway?

 

I got an application form with a signature but no prescribed financial terms , put the account into dispute in 2008, stopped payments and never heard another word by phone or letter apart from a Final Response from the infamous Ellie Renshaw to say CAp1 would defend any acourt action I took??:).

 

1 year later I've now received a letter from Lowells saying they now own this account, sent them a bog off in dispute letter using the templates and now waiting on their reply. Seems this is the usual merry go round for CAp1.

 

Don't worry about them you'll get all the help you need to deal with them on this site.

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king123 they have not sent me a CCA have not even acknowledged my letter.

very weary thank you for your repsonse also.

Going to post again now about Marbles on another thread. Boy oh boy thank goodness I have got less to do than I have already done.

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Just noticed Cap1 asked you to cut up your card and return it to then.

Don't send that card back, cut it up but don't return it. There's an MBNA thread on the forum where MBNA produced a cut up card in court and it affected the court case outcome.:-o.

 

Not sure if Cap1 would try this for themselves but best not to give them any oppurtunities;).

 

Good luck with your Marbles (HFC) battle, I'm sure you'll get plenty of responses there too:)

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Well yet another letter and yet another new name and title to add to the list. Still no response to either my request for a CCA and no response to my letter stating the account is in dispute. Any ideas please and are there any other letters I can send. Any advise as always is very welcome.

 

CapitalOne3009073.jpg?t=1254326872

 

CapitalOneA3009074.jpg?t=1254327031

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Try this, in the same vein as their letter to you

 

NOTICE OF DEBT IN DISPUTE

 

The CCA which relates to this alleged debt was formally requesed on XXX. The Office of Fair Trading guidelines state that you should not chase this alleged debt whilst the CCA is still outstanding, therefore I will be informing the OFT of this breach.

 

Default Sums and Interest

May not be charged on this alleged debt as you have not provided me with the CCA - until that time you are again in breach of the OFT guidelines and this will be highlighted to them.

 

Office of Fair Trading Information Sheet

I attach this for your information with your breaches of the guidelines for debt collecting highlited. Please pass this to your Compliance Officer for their information - a copy of this letter and leaflet are being addressed directly to them for their action.

 

Until the CCA is produced

You have no moral nor legal obligation to chase collections on this debt

 

Goodbye

 

DONT SIGN THIS LETTER - use a Signature font.

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Hi, Lowwill

 

Just to let you know you are not alone in the battle against Cap 1, although I guess you already know that by using CAG.

 

I have been waiting for Cap 1 CCA which I requested at the end of April.

 

Getting regular reminders now I have stopped paying and constant phone calls, just had a call from a different number 08005 610170 it's usually 0121 213 7990 and they call my works number twice a day!

 

Have sent harassment letter but they take no notice.

 

Think they have more telephone numbers than BT!

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Getting regular reminders now I have stopped paying and constant phone calls.....and they call my works number twice a day!

 

Have sent harassment letter but they take no notice.

I just got this from Trading Standards.

 

"In reference to your enquiry, a debt collector would be able to speak to you once a day to discuss an outstanding debt. It is worth noting that they can call you however many times they wish, but once they have spoken to you, they should not call again until the next day. I should also point out that although a consumer can request that a company only correspond in writing, it would be the credit company's choice whether they accept this request."

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