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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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Britannia Parking ANPR PCN - Costas Lydiards Field Swindon


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1 Date of the infringement - 06 Sept 17

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 25th Sept 17

 

3 Date received 28th Sept 17

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No

 

5 Is there any photographic evidence of the event? Yes (picture of my car but can't see timestamps)

 

6 Have you appealed? {y/n?] post up you appeal] No

Have you had a response? [Y/N?] post it up N/A

 

7 Who is the parking company? Britannia Parking

 

8. Where exactly [carpark name and town] Swindon - Lydiards FieldHi,

 

I have today received a parking charge notice (details above).

 

1) I did not see any signage - however, I found another thread where someone has posted the signs

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?476866-Britannia-parking-ANPR-PCN-Lydiard-Fields-Swindon&p=5065611#post5065611

 

I'm from out of the area and was looking for somewhere to grab a coffee and do a bit of work - saw a Costa so parked there.

 

2) according to the sign in the other thread its a 1 hour limit and I was there for 2hrs 19 mins

- which is possible as I was in Costa and had my laptop and did a bit of work.

 

3) I notice the notice was 25th Sept and the offence on the 6th Sept

- so 19 days (outside of the 14 days).

Does this mean its unenforceable?

 

I'm really just after some advice

- yes I didn't notice the sign at the entrance and am a bit stupid I was navigating somewhere new and checking where I was going.

I didn't see a sign where I parked.

 

It's £60 if I pay in the next 14 days and £100 otherwise.

 

Thanks in advance.

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yep out of time

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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wouldn't think so

 

let Eric advise though before you do anything further...

 

poss DVLA complaint or gather stuff to hit them with or their minions ...

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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no, you dont appeal,

you let them waste time and money sending you more stupid letters

and then tell them they havent followed the protocols when it looks like they might be tempted to try their luck because you havent responded.

 

 

As it stands you are in a position where you can sue them for breach of the DPA so let them carry on for the moment.

 

 

How far this all goes depends on you attitude to this,

showing them you are up for a fight later will usually be enough to make them skulk away

but respond too soon they will think they have you worried, whatever you say.

  • Confused 1
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I've been looking but is there a sticky which explains this 14 day rule

- are you saying that because of that they have breached the Data Protection Act (by getting my details outside of 14 days)?

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read the POFA,

it has all of the required steps for a parking co to issue a ticket/NTK.

If they dont slap a ticket on the car they must have some sort of photographic evidence of the event.

 

This has to be sent with the NTK within 14 days after the date of the event or no keeper liability can be created.

If they ask for the keeper details after 12 days then they cannot be compliant with the POFA so they have no lawful reason to obtain them and by doing so they have broken the agreement they signed to get access to the DVLA database.

 

It is the not telling the truth on this access that causes the breach of the DPA as they are then unlawfully processing the data.

 

Late NTK?

no keeper liability and breach of DPA so cant claim from keeper

(even if they suspect the driver is the same person, they have to prove it)

and you can sue them for the unlawful processing of data causing you distress etc.

 

 

There are precedents for this so not a difficult thing to do.

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  • 1 month later...

ignore a DCA is NOT A BAILIFF.

 

you never ever RING anyone!!

nor email.

 

as post 5

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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Obviously I want this to go away and now I'm getting letters from a Debt Recovery Agency it's got me a bit worried. I've found a template for a letter on another site would this be good to send to Britannia Parking or do I need to write to the DRA as well?

 

I am writing to you to lodge a formal appeal against a parking charge notice sent to myself as registered keeper of the vehicle in question. I was NOT the driver.

 

I contend that I am not liable for this parking charge on the basis of the below points:

 

 

This Notice to Keeper (NTK) is not compliant with the Protection of Freedoms Act 2012 (POFA) due to the dates and the wording used.

 

Under schedule 4, paragraph 4 of the POFA, an operator can only establish the right to recover any unpaid parking charges from the keeper of a vehicle if certain conditions are met, as stated in paragraphs 5, 6, 11 & 12. ParkingEye have failed to fulfil the conditions which state that the keeper must be served with a compliant NTK in accordance with paragraph 9, which stipulates a mandatory timeline and wording:-

 

’’The notice must be given by— (a) handing it to the keeper, or leaving it at a current address for service for the keeper, within the relevant period; or

(b) sending it by post to a current address for service for the keeper so that it is delivered to that address within the relevant period.’’

The applicable section here is (b) because the NTK was delivered by post. Furthermore, paragraph 9(5) states: ’’The relevant period…is the period of 14 days beginning with the day after that on which the specified period of parking ended’’

 

The NTK sent to myself as Registered Keeper was issued on 25/09/2017, when the actual date of event is recorded as , a difference of 18 DAYS. Even if they had posted it on the same day that they describe as the ‘Date Issued’, it would be impossible for the notice to have been actually delivered and deemed ‘served’ or given, within the 'relevant period' as required under paragraph 9(4)(b).

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as post 9 what part of ignore do you not understand

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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as post 9 what part of ignore do you not understand

 

As you'll notice the word ignore in your post is highlighted and when you look at it - it says....

 

If you are considering ignoring a letter from a private parking company demanding money for some alleged parking incident - you should understand that this is not the best course of action

 

Perhaps you can understand how a newbie might be confused by the advice given?

 

Going back to post #5 from Erics Brother

 

How far this all goes depends on you attitude to this,

showing them you are up for a fight later will usually be enough to make them skulk away

but respond too soon they will think they have you worried, whatever you say.

 

It's slightly ambiguous as to when is a good time to put up a fight - I've now received a letter from Debt Recovery Plus which says if I don't pay by the 15th - they will recommend court action is taken by the client.

 

Ok I realise that may be scare tactics but as a newbie I'm just trying to ascertain when is a good time and at what point do I respond. Will Britannia contact me after the 15th again or will they try baliffs/court or whatever.

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they cant do anything to you ignore the DCA!!

they cannot send bailiffs its not even been in court!

 

the parking company must send a letter before claim and abide by the PAP rules.

 

not being funny

but unless you have done so off line

you've not read any other threads here at all

 

CAG is self help too.

 

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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But there is a huge difference between Britannia Parking and Debt Recovery Plus.

 

Britannia Parking claim you owe them money and might take you to court, although you are a hell of a long way from that at the moment, and their case would be pretty useless given their NTK is out of time.

 

Debt Recovery Plus are just a bunch of oaves who send scary letters, they have no power to do anything, they are paper tigers. Even if the debt exists, it's not theirs. That's why the advice is to ignore them.

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you say you are a newbie,

does that mean you havent read up on any other threads about either the wiles of the parking co's or about the letters dca's send out.

 

The nickname threatogram should tell you enough

 

but if not remember this NO dca OWNS THE DEBT,

THEY HAVE NO POWERS OR RIGHTS TO DEMAND ANYTHING OR TO TAKE ANY ACTION OTHER THAN WRITING LETTERS.

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you say you area newebie, does that mean you havent read up on any toehr threads about either the wiles of the parking co's or about the lette4rs dca's send out. The nickname threatogram should tell you enough but if not remember this NO dca OWNS THE DEBT, THEY HAVE NO POWERS OR RIGHTS TO DEMAND ANYTHING OR TO TAKE ANY ACTION OTHER THAN WRITING LETTERS.

 

Yep I now appreciate the DRP letter is just a threat but I've searched, read various threads and trying to work out when I write to Britannia and ask them to cease and desist as they have not abided by the POFA. I also read on another thread/forum that the 28 days they say I have to appeal, although now passed, is not cast in stone.

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it means NOTHING

 

you never ever reply to a DCA on anything even consumer debt

they are totally powerless and ARE NOT BAILIFFS

 

the only thing you do nOT ignore

is a claimform from northants Bulk

 

or a Letter before claim

issued by a SOLICITOR

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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in reality you are not going to write to Britannia to tell them to cease and desist because they claim you owe money so they can keep writing to you. law says so.

 

Again, you are not appealing so any timescale irrelevant.

 

The wording of the POFA is a but vague on a couple of points and this is one of them.

 

In short, you hope thay give up and go away but if they do decide to take legal action they have to follow procedures and then you tell them what is what and point out that being vexatious or unreasonable can mean you get costs of £1500 or so awarded for their trouble.

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