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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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Debt management, dca shall I send CCA


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Hi

 

I have 2 debts that were started in approx 2006

one barclaycard PRA group sold to these in 2015

one abbey loan now with Cabot.

 

both been in a dmp since 2010 and I've been paying monthly to a company.

 

I've stopped that now and I pay direct.

But what I was wondering is do I send a CCA to the company which have aquired these debts.

 

One is PRA group sold to these in 2015 and the loan is now with Cabot.

 

Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey

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Hi Claire and Welcome to CAG

 

Responding to your PM.

 

Yes you send a CCA request (section 77 for loans) to CABot and PRA.

 

Regards

 

Andy

We could do with some help from you.

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Ok I've been reading on here that's what to do when sold to dca.

 

 

Was slightly unsure as to what to do and what outcome as I do owe the money.

 

 

Shall I continue to pay as PRA have only been on my credit report for a year

and now it stands at 927 I wouldn't want to jeopardise that

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As you have been paying anyway there is nothing to be achieved by withholding payment apart from annoy the DCA...if they fail to comply with your requests you can reduce any payment to the bear affordable minimum.

We could do with some help from you.

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And if they can't produce anything? Does that mean I don't have to pay them anymore?

 

That's a decision for you Claire..(its not enforceable in court until they do) but we cannot advocate debt avoidance on CAG

We could do with some help from you.

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The reason I ask that as I'm considering asking for a full and final settlement figure on the 2 and would pay the lowest one first.

 

They will still remain on your CRAs paid or unpaid for a period of 6 years.

We could do with some help from you.

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cabot wont hold the correct paperwork, so you can safely put that one to sleep. make sure you CCA all your creditors though. Just to make sure.

 

If they were sure they had a valid debt, theyd just take you to court and get money. Right now, youre a prime cash cow.

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

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p'haps you need to complain to Barclaycard about the AP markers

if there is no default - that's unfair

we've had good success with BC and these dreaded AP markers that never go away

and will kill credit for years even after the debt is paid off.

 

have a search for AP markers, using our search CAG in the top red toolbox.

 

have you also thought about getting all the statements for both

via an SAR?

as you could well have penalty charges on both that could reduce the balance?

 

the sar goes to the original creditors

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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Barclaycard/ pra is the biggest one its stands at 4500.

Pra group is showing in debt management plan not arrangement to pay.

Just checked

 

Cabot is around 2000

 

I've already spoke to barclaycard regarding the matter of not marking default

as if they had added the default not 6 payments late for over 5 years

it would be dated with pra too

it's not they have told me to call back in 14 days.

Twice.

 

My score on experian is standing at 927 out of 999 at the moment it was horrific!!

Edited by Claire1979!!
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Just been on the phone to barclaycard again about no default.

They have agreed to totally remove entires from credit file

as yes they should have defaulted it in June 2010 a

nd are going to tell PRA group to do the same.

 

 

They've also paid me £100 for the inconvience of all the phonecalls

and lack of action on their behalf.

 

 

I'll be posting CCA to PRA group later too.

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Excellent Claire...result on that one.:wink:

 

Andy

We could do with some help from you.

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Well you can decide what you wish to do if they fail to comply...refer to post#6

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Once they are in default of your cca request... the option of paying or other is up to you.

 

Since the debt won't be legally enforceable until they provide a compliant copy.... I'll let you do the rest

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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doubt it.

 

they cant goto court without an enforceable agreement.

 

if or if not that exists we don't know yet.

 

nothing to stop you dropping the payment right down to almost nothing

 

dx

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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Ok I'm more worried if they could take me to court. Before I could go back on a payment plan

 

They let you go ona payment plan because they very likely dont have the correct paperwork to enforce it, so theyre bluffing you.

 

As for court.... if they dont have a compliant agreement, they cant do court. If they try and you havent recieved the paperwork, you can use a holding defence.

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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  • 4 weeks later...

Update

 

PRA group have stopped collection activities

but have sent me the last few copy's of statements from Barclays late in 2010

when I say staments it's just printed off amounts.

They didn't aquire debt until sept 2015

And there is no PRA group showing on experian since last week.

It was showing arrangement to pay since sept 2015

 

Cabot have said they can take up to 40 days to get information required

Cabot have taken this months payment out of bank.

 

I have also sent CCA to Tesco today

as they didn't sell my debt on

but this debt hasn't shown on credit report

since it went in to dmp in Dec 2010.

Edited by Claire1979!!
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once the 12+2 working days has passed

pers i'd be cancelling any payments they have access too across the board.

 

 

you can always restart them yourself

ideally

if a debt is owned by a DCA

you should never ever set up a DD to them.

 

 

standing order only!

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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Share on other sites

  • 4 weeks later...

As they say std annual statement they must send

Safe to 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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