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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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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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