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    • Hi, thanks for your replies, I wrote to them & this is the reply:   Thank you for your correspondence received on 16 October 2019, concerning the above Penalty Charge Notice. Contravention I have viewed your mitigation and the evidence of the Civil Enforcement Officer on the day in question. The issue is that you parked without clearly displaying a valid pay & display ticket or voucher. Mitigation Whilst you state that you ‘tried to buy a ticket using my card but both machines would not accept a card payment’, there is also the option to pay by phone using the RingGo app if you do not have any cash with you. A grace period of minutes is given to allow drivers time to purchase a ticket, the Officer on patrol observed your vehicle from 12:52 – 12:57 before correctly issuing a Penalty Charge Notice. Conclusion It remains the responsibility of the driver to ensure that there is a parking session in place before leaving their vehicle parked. With this in mind I have upheld the Penalty Charge Notice and rejected your challenge. I will still accept the discounted amount of £25.00, provided payment is received within 14 days of the date of this letter. Payment can be made by post to the address
    • Hello all, hope you are all. Its been rather quiet on the a western front until today. I've received Directions of Questionnaire form N180 in the post. I've still had no copy of cca or cpa that I requested back on 20th August.    Please can you advise me how to proceed now   Thanks in advance Michelle
    • Hi - Quick update. I've spoken to the Holiday Inn Express and they told me to write to them explaining what happened and they'll get the charge cancelled, even though it's a DR+ letter, they confirmed they will talk to PE. It'll take about 4 weeks to cancel. I've sent that off. Have I done enough (for now)? I won't assume this has worked until I get a formal confirmation back.   The other suggestion you had was to write a short 2-liner to PE to ensure they have my correct address as they have failed to get any correspondence to me to date. Should I still do that in parallel? Belt and braces.   Finally - I'm still sitting on my snot-letter to PE re GDPR request. Again - sit on that still for now? If nothing else it gives them work to do that they can't ignore and proves they have my correct address details (or not)   As you might be able to tell, I'm a fan of several lines of attack, but I'll be guided by experience....   Many thanks Choco 
    • yes I moved out in 2014. This is the first I've heard of any outstanding bill! The letter is a 'Payment due' letter, not an official court or claim form at this stage. I have actually had another old energy bill from Lowell (this is what happens when you move house a lot) which came from their solicitors devision with an official country court claim. That bill was from 2014/15. Theres no way of me checking what payments were made or if the amounts are even correct. 
    • kk, thank you    From what I have read, a reconstituted agreement only needs to have the correct name and address.. : /   Is this any use at all, or is it outdated please? I keep finding mixed answers:   Section 61(1)(a) and 127(3)  Consumer Credit Act 1974 that dictates that a creditor must be able to produce a signed document, not necessarily the credit agreement that contains the prescribed terms. This document must include the credit limit, the interest rate and details of how and when a debtor is to discharge his payment options. That failure to produce such a document is capable of rendering the agreement irredeemably unenforceable.     
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gwebstech

My CCA request docs from Santander

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FWIW that appears to be enforceable

though strange the default fees are not £12.

as Fsa [now FCA] ruled on that in 2006

 

 

dx


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where are the T&C's

again the charges are wrong by FCA rules

 

so who says that's enforceable?

 

 

dx


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? dunno, what should the charges be?

 

not sure id risk a court charge on that tho?

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court charge?

 

 

there should be pages of T&C's with a CCA return.

 

 

were there any?

 

 

can w just confirm

this debt is still being paid to satans bank

not a DCA?

 

 

dx


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What i meant was you said "who says thats enforceable"

and i was saying in reply i dont know if it is or not but i wouldnt risk them taking me to court over such a thing

(what i assumed was a small thing)

 

no, ive shown any paperwork ive received,

1 reply had just 2 sides of a4,

1 had 4,

1 had 3 which was the creation one

 

yes this debt is being paid to Santander according to my payplan account

 

Creditor History

Creditor Name Account Name/Number Date Transferred Abbey Plc

07/09/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

 

 

....

 

Creditor History Creditor Name Account Name/Number Date Transferred Santander

28/06/2010 Abbey Plc

02/07/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

 

So do i need to write to them and ask for the t&c's or what?

 

thanks

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well as its still with the OC

and you are paying it

i'd let things run.

 

 

have you been getting regular statements?


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Yes they send regular statements,

 

ive saved some money thanks to your advice, just a pity i couldnt tell them all to feck off :-)

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yea know the feeling!

 

 

no penalty charges yet?


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not that ive noticed but i got a shock when i saw a month ago they had been adding interest of nearly £1000!

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They can't add more than what int is stated on the agreement

Unless their t&c's say so

 

And you haven't got those


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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