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    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
    • Believe it or not, fully familiar with the County Court process. My posts were seeking confirmation by asking questions, nothing more as an aid to people who look at this thread in the future. People should not jump to conclusions.
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Spml/acsenden/capstone arrears


maz200
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HI ALL,

 

to cut a long story short ive had problems with the above for ever.

I have an arrears repayment order on a suspended warrant which is nearly paid off,

howver every year they attempt to enforce the warrant without success.

 

My issue is this,

on my letters and quarterly statements I have seen a whole bunch of other charges.

 

3 years ago i wrote to complain and they removed them incremently.

 

these charges are shown to be part of the arrears

 

however they are threatening again (not that i get worried),

please could you tell me exactly what the hell these charges are as im thinking of actually taking this further and calling them out on them

 

on my statement it states

Insurance related charges (the buildings insurance is part of the CMI and is stated on the monthly interest rate letters i get)

 

i have no idea what these are

 

Fees and Security related charges ( a name change here as they were listed as other at one point)

 

These fees and charges total 6822.87 and are put on the arrears of which the total is 2757.

So makes my arrears look higher than they actually are.

 

Is there anyrthing within FSA MCOBS regarding this and how to deal with it officially?

 

any help greatly appreciated:-)

 

Thank you

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SAR time first me thinks!!

 

why do you need building ins with them did you not have it already?

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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hi, yes iv already requested a SAR, and the insurance is part of the CMI,

 

my questions was about the £6000+ of 'fees' they have added to my arrears balance.

 

Are they legitimate?

 

as last time i pulled them over these they were removed. now they come back with these.

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and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

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AFAIK no fixed sum penalty fees are lawful.

the FCA deem any penalty sum to be unlawful as they do not reflect the actual/any extra work they had to do

note unlawful not legitimate

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

and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

 

then go get that back too take them to the FOS if you have too.

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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  • 1 month later...

If it helps maz, I am in exactly the same position with Rooftop/JPM and made a complaint to the FOS as suggested.

 

It took nearly a year and a few idiotic emails from them until they rejected my claim re unfair arrears and insurance fees etc.

 

Having followed dx's advice I have now written to them asking for it to be sent direct to the Ombudsman as I wasn't happy with the assessors decision.

Its likely to take another year but until we get a definite answer on this we have to go along with it.

Edited by dx100uk
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