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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Highview Parking ANPR PCN - Urban Exchange Manchester


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I've received a parking ticket from Highview Parking - See attached.

 

It states that the visit contravened the terms and confitions displayed on the signage. I used the facilities and thought i was well within the terms and conditions but they do not seem to think so..

 

Would appreciate any help with how to respond to this letter as i think they are acting unfairly.

 

Cheers,

Parkingnotice.jpg

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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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For PNC's received through the post [ANPR camera capture]

 

please answer the following questions.

 

1 Date of the infringement 22/08/17

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date]27/10/2017

 

3 Date received 01/11/2017

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No

 

5 Is there any photographic evidence of the event? Yes

 

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

 

7 Who is the parking company? Highview Parking

 

8. Where exactly [carpark name and town] Urban Exchange, M4 Manchester

 

For either option, does it say which appeals body they operate under. BPA

 

Please accept my apologies, I've filled this in below :)

 

Cheers,

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out of time then

ignore them.

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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you blanked out the time of the stay so my guess is they are saying you overstayed.

 

Now, I would surmise that they may try and claim that the letter is in time for a screen ticket but then they wouldnt be using ANPR as evidence.

 

Their NTK doesnt contain the prescribed information to be legal any way.

 

Ignore any correspondence up until the point that they threaten court action.

 

they wont get this letter right either but that will be the time to tell them you are wise to their shinanigans and will be after them should they persist

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  • 4 weeks later...

Hi,

 

Thank you for the response, just to keep you updated with developments.

 

They have sent a second letter informing me the amount due has now risen, see attached.

 

Following your previous instructions - I'm going to ignore.

 

Thanks again,

Jack

Letter2.jpg

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attachment hidden as you've left reg numbers etc showing...:!:

 

scan it up to PDF please as advised before

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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You've got absolutely nothing to worry about with LowLife Parking... They're very good friends of mine :-) Well, they keep wring to me, so I guess they must be :lol:

 

Have a read... Here, here, here, here, here and here

 

Now while my situation is different to yours, you'll gather from the above that LowLife Parking couldn't organise a drinking session in a brewery! They only survive on the income from people that are too meek to stand up to their bully boy tactics. :sad:

 

You'll get all the usual, NTK, NTK Reminder and then a "legal action pending', perhaps interspersed with beg/threat-o-grams from Debt Recovery Plus (DR+) their tame DCA (who you can most definitely ignore), but I'd be very surprised if they send you any kind of letter before action (LBA). I've been trying to get them to take me to court for the last 3 years and they just don't want to play ball :razz:

 

Fight back, and these clowns will roll over eventually, there's no profit in it for them once they realise that they haven't managed to intimidate you in to paying.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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