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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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What exactly do you receive back from a CCA request - Vanquis Card


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Could you advise please;

 

I sent off for a CCA request and after a lengthly wait I received paperwork from Vanquis.

 

I'm guessing 'digital signature application details' which has all my details on it including application date and number is what they're supposed to send me?

 

Just want to make sure they've sent me the correct info

 

Thanks

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What did you receive back? What was the date you signed for the loan?

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..

 

 

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I received statements'

 

14 pages of 'Pre- Contract Credit Information'

 

2 pages headed 'Digital Signature Application details' ....page 1 is address details which include my name, address, application date (08/07/2011) application number, account number

 

page 2 is 'application details' which includes date of birth, income, phone no. email, account number and employment details and approval date.

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Sinc eis post 2007 they only need to supply a correct reconstituted agreement. basically an agreement youw ould have signed along with terms. Sounds like its ok.

 

What was the reason for you sending it,

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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Thats great, thank you renegadeimp, I've sent off all my c/c's a cca since I fell on hard times. Most have replied and sent a form out with my signature so I just wanted to check this was ok as it is different from the others. Thanks for your help :)

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It sounds like its compliant to be honest. You could post it up and redact personal info, but its likely to be legit. Especially if vanquis still own the debt.

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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It does indeed sound as though they have provided all the information they should.

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No it's a different one Andy, I have many :(

 

I thought I should start a different thread as I didn't wanted to get the different accounts and advice mixed up. It makes it a bit easier for me to follow then.

 

Hope that's ok?

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