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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Self Managed DMP Help Needed Please


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yes good its defaulted

cca request

sb date is 6yrs from your last payment/use

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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It amazes me how Sainsburys and Barclays were sent the letters same time as others and have accepted bad issued defaults notices, yet Creation are sending letters like I have never been in touch after phoning and leaving messages saying my account was on hold (which I have not phoned back)..... Tesco and Progressive I have not heard a thing from via telephone (missed/ignored calls) or letter?

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barclaycard have issued default and accepted payment proposal. So far sainsburys, Barclays And barclaycard have also all frozen interest and charges so I think this is good and I have been quite surprised by them being so helpful!

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good work!!

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

Hi me again - Progressive have finally been I touch and are wanting to see 2 months worth of bank statements

- now CAB have told me I do not have to provide them as they have income and expenditure form which all creditors have and everyone that I have heard back from so far have no heard for bank statements this is the first company.

 

Do I have to send them?

There is nothing to hide its a joint account with my partner who is still in work (self employed)

he says that he is not happy for them to see the bank statements as we have averaged out his income and spring/summer are dire but autumn/winter is good so on the last 2 months it looks like he earns more than he does!

 

When I took the loan out I provided my income details/bank statements but now I have no income........

I have sent an initial e mail back saying not prepared to send but need your advice as you guys on here seem to have experience in this situation.

Look forward to hearing from you.

Edited by dx100uk
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is this progressive finance [welcome finance?] and you say its joint, it's not a secured loan is it?

no you never send pers stuff.

 

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... 

Link to post
Share on other sites

No it is Progressive Money - unsecured loan just in my name. Sorry if I confused you its the bank account that is joint not the loan.

 

There is nothing to hide on the bank statements but CAB have to be fair said some companies are known to use it against you to try and increase your payments and add pressure.

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yes they do pressure you

so no dice on sending statements

your I&E is good enough

simple.. if they don't play ball then letter two time and drop them to £1PCM for life as they've failed to help you as they must

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... 

Link to post
Share on other sites

  • 4 weeks later...

So creation keep writing saying we understand you are experiencing financial difficulty please send wage slips and bank statements I keep replying saying you have my income and expenditure that is all I am sending..... it’s like a game of ping pong...... what do I need to do as I’m. It making a payment of anything at the moment to them?

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you shouldn't be sending them anything !!

just pay what you said when you said

but if they fail to help you by not freezing interest and charges

then send letter 2 and drop them to £1PCM for life

 

you should neve enter anylink of pointless letter tennis with any of them.

 

accept my offer

or

get £1PCM till I die.

simple

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

  • 2 weeks later...

Today Creation caught me out and I answered the phone to them

I have been doing everything by letter,

 

when I told them I would not be sending bank statements they got nasty,

they said they can accept my payment offer but need bank stats on file I said nope!

I will pay the new amount I have offered every month from this month but not sending anything else!

 

They actually threatened me if I don’t send bank statements they will charge me late payments and interest!

What do I do now?

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should have stated writing only and put the phone down . about time you blocked them too and all the others!!

they are duty bound to help you

if they don't then as post 38

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

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