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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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Problem with Lowell and old Oakam loan


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just follow post 21

anna

 

we are well used to playing these games with these people.

 

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... 

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Just wondering why Lowell kept quiet for 17 months. Apparently debt was sold to them on 13/09/2017:???:

 

 

So the interest accrues :roll:

 

And you never received a Notice of Assignment informing you Loweel had purchased the debt ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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So the interest accrues :roll:

 

And you never received a Notice of Assignment informing you Loweel had purchased the debt ?

 

We received letters yesterday. One of them was written on Oakam headed paper saying that debt was sold to Lowell

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Yesterday and yet they purchased it 13/09/2017 ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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From the original post I think, it must have gone to an old address. the letter they received just now was a phishing letter.

We could do with some help from you.

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just follow post 21

anna

 

we are well used to playing these games with these people.

 

dx

 

I will persuade my partner to call the Oakam today.

Contacting them won’t be equal to accept the debt?

We won’t contact Lowell but should we sent them letters back? They advise that because flat is under my name and they should not come here or to harass at my property.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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When should we send CCA request to Lowell? Now How long to wait? dont wait ASAP

What about sending them back all the letters? No ...you may need them for future reference if they issue a court claim.

 

 

Andy

We could do with some help from you.

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After long wait in the phone to Oakam - no success. Because his account is close and address we wanted them to send the papers is different he can not do that.

I have requested to speak to supervisor, his reply was that he can arrange call back within 24hrs. I insisted to speak now but he was saying that he can’t help me :mad2:

 

What should I do now? Send to them SAR request? How to update the address?

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shouldn't matter once you get through to a supervisor

should be able to give the info over the phone

you don't need them sent anywhere

just the last payment date will do.

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

shouldn't matter once you get through to a supervisor

should be able to give the info over the phone

you don't need them sent anywhere

just the last payment date will do.

 

Called again and no success. They told that they don’t have any information about my partners debt and in this case I should ask Lowell. He said that if I want I can complain to ICO. He have done everything he could.:mad2:

Why this is so difficult!!!!

What next?

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yep all you can do.

 

i'd still complain to the ICO mind.

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

We have just done credit score check.

 

Lots of checks was done recently on his account mostly by Capital One.

 

He has two loans under settled accounts:

Lowell Portfolio (balance on 07/02/18)

Start date: 27/12/2012

Default balance: £5311

Last delinquent date:Sept 2013

End date: 28/09/2013

Start balance: 0

If you go to account history:

Date: January 2018

Status: default

Balance: £10,785

 

Second loan - Oakam Ltd

Balance on 15/09/2017 - £0

Start date: 27/12/2012

Default balance: £7474

Last delinquent date: September 2013

End date: 28/09/2013

Start balance - £0

Fixed payment- £333

Account history

Date: August 2017

Status:settled

Balance: £0

Date: July 2017

Status: default

Balance: £6903

 

i can see four different amount.

Why? :?:

 

So from credit report I understand that his last payment was in September 2013.

Is that right?

So 6 years will pass in Sept 2019?

Edited by anna1980
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looks that way

but if you read that thread at the end of post 21

you'll see what they do.

 

as for each debt showing twice.

some do report that like that

 

one is the old listing under the original creditor

one is for the present owner.

the OC will zero the balance and if not already defaulted will then default and sell it on.

hence now you see the reason why the fleecing debt buyers leave it till the last minute extra interest on top.

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

An interesting point here is if oakam def dont hold data

Then it must be 6yrs since last payment

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

An interesting point here is if oakam def dont hold data

Then it must be 6yrs since last payment

 

So if they don't have any data about my partner what is the point to send them SAR?

 

I am going away tomorrow for one week so I have only time to send the letter to Oakam in the morning.

Letter to Lowell will send when I am back.

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best thing you could have ever done.

 

enjoy your break.

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

has he moved since taking out this loan?

and anyway what good will a picture do?

they don't know what he looks like anyway!! as have no previous picture

 

I suspect you mean driving licence and/or passport with signature?

well they don't know his signature either previously to compare it against as it was a tickbox online signup I bet..

 

I bet he has moved since taking out the loan and you didn't include a copy of your CTAX bill naming him with the SAR request as it advises in out thread?

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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