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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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Wafubloke

Premier Park ANPR PCN BW PAP letter - for Parking and Leaving Markham Retail Park

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Yes and yes, they are a dca so ignore and then ignore. Yoou havent read up on dca's have you or you wouldnt need to ask.

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Yes and yes, they are a dca so ignore and then ignore. Yoou havent read up on dca's have you or you wouldnt need to ask.

I have... just wanted to make sure as I screwed up before.

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I got this a couple of months ago and ignored it. It looks cheap as and is "signed" Gladstones Solicitors, doesn't look like the type of letter a solicitor would send out.

 

I was wondering is this thing in breach of GDPR in any way?

 

I take it I did the correct thing by ignoring it?

 

Cheers

gladstone1j.jpg

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Just an observation, the original letters didn't mention it was a notice to keeper at all. Shouldn't it make it clear it is a notice to keeper or is that irrelevant?

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While Gladstones do act for the parking companies, this letter is NOT a Letter Before Claim/Action. It is just another begging letter. Gladstones have a vested interest in IPC members in using them for claims as the directors of Gladstones an the IPC are one and the same.

 

 

Cheap looking letters are Gladstones standard format. Ignore the reference to Beavis and Parking Eye as this case is nothing at all similar with that case.


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Ignore my last response. I was thinking of Premier Parking, not Premier Park. My bad.

 

 

 

In the last few months, they have taken action on just three cases compared with the amount of tickets issued (almost 41k) so work out the chances of this actually going to court.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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My plan is to do exactly that.

 

What does a letter before claim look like, does it state it is one?

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It should state clearly at the top of the letter to avoid confusion. It should also give you a time frame to respond before court action starts. I would look around other threads to see if there are any LBAs there


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Gladdys dont need to send out LBA's because they are the worlds greatest solicitors and have superpowers that mean they will win any claim their clients wish to make. ...... unless some sod defends and then they will skulk off having lost their client a few hundred quid in costs..... but they still make a profit so doesnt matter.

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I have just received a “Letter of Claim” from BW Legal. Any help much appreciated on how best to deal with this.

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time to send bw one of erics snotty insulting letters then.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I would suggest that you send somethig like this.

 

Dear sirs, your clients need to visit the opticians and that way they may be able to tell the difference between the driver of a vehicle and its passengers.

 

As the contract advertised on the sign is with the driver alone then a passenger leaving the site has nothing to do with this contract and your clients operatives will just be considered voyeurs  and may gets themselves clapped in irons if they continue following and photographing random people. I trust that  you being the parking world's second cleverest lawyers  will know that they will get trounced in court if they try their luck and you will advise them from wasting their time and money on a claim that will only embarrass them.

 

In the meanwhile it would be useful if operatives for private parking companies wore some sort of identifying uniform so motorists are able to distinguish them from the other perverts hanging around areas accessible to the public. i would suggest in Premier Park's case a dirty mac would be appropriate.

 

now as this will appear in any documents bundle filed in a court claim thery will struggle to advise their client that you havnet followed the protocols and tried to sort things out without the matter going to court.

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Thanks for the response. You mean send a letter actually like that?

 

 

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send exactly that!!

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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OK, though it was me the driver that left the site, my son went into a shop. I take it I just amend that.

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no. you miss the point EB is making.

read it carefully again


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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DX, I’m being thick here, what have I missed?

 

Cheers

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leaving the site has nothing to do with this contract and your clients operatives will just be considered voyeurs  and may gets themselves clapped in irons if they continue following and photographing random people.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ah gotcha. Cheers

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so what alternative letter would you send, one saying that you agree they have the right tio photograph up your skirt and will pay them £100 for being abused?

 

they dont know who was driving and have only contacted the keeper because they havwe the car reg. they know nothing else.

So in response to your question, you need to look at the bigger picture and start understanding what is going on

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Fair enough.

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Well, I sent the letter as is. Lets see what happens.

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