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    • Thanks for filling in the forum sticky and posting up the PCN in a PDF, but I've had to remove it as you left your registration number showing.  Can you please redact and post back up?  Thanks.   Have a look at some other "UKCPS Gateway House" threads here, of which there are numerous, and you'll get the idea.  Their "no stopping" claim is a prohibition and total pants, plus you're allowed a 10-minute grace period to look at the signage.     
    • Why are you continuing to write to a bunch of crooks?   The supermarket chain have the power to call their dogs off.  There have been numerous successes on the forum using this strategy, including two this week.  Get on to the CEO of Aldi!
    • 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...
    • very telling comment by the PE   However, please be advised that this did not meet the discretionary criteria set by the landowner in this case   that the criteria for parking is set by the landowner...i bet they have no contract with them but a managing agent..and i bet there is no criteria at all listed in it.   dx
    • Hi Thanks in advance for the assistance provided in these forums it is invaluable.   We received a Parking notice after my wife was dropping me off to pick up a hire car, and she got out to get a bottle of water then left the area as we couldn't find the office. Having dealt with a Private Parking Company through my work as an FM i know they will try to bully you into paying but want to make sure i follow the process correctly.   1 Date of the infringement 01/09/2020     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 07/09/2020     3 Date received 18/09/2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? Just a picture of the car front and number plate    6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up No   7 Who is the parking company? UKCPS   8. Where exactly [carpark name and town] Gateway House Picadilly   For either option, does it say which appeals body they operate under. IAS   Many Thanks   Ian
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Hi, I had a Vanquis CC a few years ago

- I discovered they were charging me for a Repayment Option Plan that I had not been told about

- even when I was near my account limit they would take the ROP payment and interest and then if it made my account go over limit they would charge me over limit fees, admin fees and interest.

 

I wrote and asked them to stop these payments as I had not agreed to the plan and to refund the payments they had taken

- I never got a response but they refunded just two months payments then started taking them again the next month.

 

To cut a long story short

- over several months I wrote a number of times (all by registered post) and sent several emails - they totally ignored me.

I then wrote and told them I considered my account to be in dispute - they ignored that as well.

 

I stopped payments - then my account was passed to Lowell Solicitors who I have completely ignored - they were phoning me 8-10 times a day even at weekends.

Lowell then wrote to say they had now passed my account to Lucas Credit Services - they are now contacting me every single day.

 

In the meantime I received a letter from Vanquis to say they were refunding me some interest and it would be taken off what I owed on my account but the letter from Lowell and now from Lucas Credit do not reflect a reduction in what was owing and I don't even know what this money is for.

 

Not sure what to do next - I intend to try and claim back all of the ROP payments and all of fees they have applied to my account - is it best to do this through the FOS or through the court?

Edited by dx100uk
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if you read the recent FOS/FCA lambastering of provident group they were order to pay back some £168m in ROP.

what you have got is their interpretation of it...ONLY the interest

NOT the ROP itself

NOR..the penalty charges it caused.

 

have yo all the statements

if not sar them 1st

 

as for lowells..

don't forget a DCA is NOT A BAILIFF

and has

ZERO legal powers

just block them.

 

 

are you still at the same address you took the card out at?

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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Thanks....I have quite a few statements but not all of them. What is a SAR?

 

Yes, I am still at the same address. Should I ignore Lucas Credit as well then? They are emailing every day now.

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you ignore EVERY DCA!! as above ..

 

until / unless you get a letter of claim from a fake tame/paperonly solicitor.

 

click sar

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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oh and by them I mean vanquis SAR

never enter into any comms with a powerless dca

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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