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    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
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RBS passing enforceable old debts to Westcot


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My wife CCA'd the RBS regarding her credit card.

 

They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement.

The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign)

so I imagine if thats their best effort, the agreement is unenforcable.

 

 

What do you think folks.

 

 

dRBScardapp.jpg

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Hi there,

 

I would be worried about this one - it does contain the prescribed terms.

 

It is actually titled a "credit agreement" but I can't see a judge throwing it out because the word "card" is missing form the middle.

 

Your name, address and signature are present, so is the rate of interest, as is the credit limit and the repayment schedule. It also contains the creditors address and signature.

 

Have a read of this thread by steven4064 about CCA's -

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements.html

 

You might spot some errors I may have missed.

 

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As a follow up, try to keep all further correspondence from RBS, and that includes all envelopes !

 

I don't know what stage you are at with the account but if RBS haven't done so already, they may default and terminate the account which may hopefully bring some good news.

 

My apologies, I keep referring to the account as yours when it belongs to your wife.

 

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If or when they default an account,which usually happens when accounts are two months in arrears (it'll say something in their T&C's), sometimes the default notice isn't up to scratch.

They state incorrect amounts, give less than the legal 14 day requirement to rectify, incorrectly type written, etc.

 

As a Default Notice is a precision document, most if not all aspects of it must be correct.

Any details that are incorrect may make the Default Notice ineffective.

 

So don't despair yet, there may be some hope on the horizon.

Edited by supasnooper
extra info

 

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Yes i agree its enforceable im afraid...if you are still getting monthly statements they haven't defaulted it yet...and if there is no interest or charges going on then id say you are doing ok at £10 per month.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 7 years later...

My wife and I have 3 old credit card alleged debts to RBS cards.

 

 

We have been paying them off at £3.00pm since 2009/2010.

 

I went through all the enforceable/not enforceable routine back then and consensus was that they were enforceable.

 

We have had 3 letters from RBS dated 14th June saying they have 'partnered with Westcot who will manage my account."

 

What are the implications of this development?

I'm happy paying the amounts as before,

but don't really want this dozing scenario to wake up.

 

 

Six years on and our credit file is about to look pristine again.

 

What's the best approach these days when they start to write asking for in/ex forms and all the other associated nonsense?

 

Back in the day I had communications with them over other alleged debts

and they went away after various requests for proof/enforceability.

 

Any current advice as I'm not up to date having enjoyed a relatively quiet life from their ilk for 6 years?

 

Thanks

 

Nomore.

Edited by Nomore Baloney
spelim
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cant ever comeback

if the default reached 6yrs

 

 

wetcloths dont buy debts

so don't own the debt

so can be totally ignored

 

 

and ofcourse a DCA is NOT A BAILIFF anyway

 

 

ignore

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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