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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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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LOWELL claim form - old provident doorstep loan poss SB'd ***Claim Discontinued***


Nibbles83
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2 hours ago, Nibbles83 said:

ok ... so for say if the default notice was dated say hmmm   ..... the 1st march 2013 that would mean it became SB march this year ?

 

Thanks Nibbles .

 

Not quite...the default notice would allow 14 days to rectify the breach...so 15th March or thereabouts

 

Andy

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9 hours ago, Nibbles83 said:

dx100uk,

i understand but the point is for me to know on either last payment or default notice both have passed the 6 year limit .

 

i just had the impression when i got the paper work back from Provident that it wasn't all there and there fore lucky for me to find that paper work in the cupboard with all the junk , so i now know for 1000000000% its SB .

 

so i dont understand why lowells have filed court papaers .

 

Ooh well i guess i just have to wait and hear from the court now .

 

been checking MCOL & Lowells havn't added anything on their . so a waiting game i guess

 

Thanks again guys for all your help .

 

Thanks Nibbles

 

 

 

 

all DCA's file speculative claims. some 750'000 a year

hoping for a non defended default rubberstamped judgement where no human checks anything.

85% of these claims result in the above.

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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Hey Guys

only little update i have for now is that on MCOL ,

The court have today issued the DQ 

just need to wait for that, i can decline their very nice offer to mediate . :(

Nibbles

claim status ..
A claim was issued against you on 05/ 03/ 2019
Your acknowledgment of service was submitted on 12/ 03/ 2019 at 14:50:44
Your acknowledgment of service was received on 12/ 03/ 2019 at 16:02:11
Your defence was submitted on 13/ 03/ 2019 at 00:58:02
Your defence was received on 13/ 03/ 2019 at 08:02:18
DQ sent to you on 03/ 04/ 2019
DQ filed by claimant on 03/ 04/ 2019 ,

now that its showing on the MCOL for the DQ do i have to wait as i remember i printed 3 copies off ready for when this was to arrive ?

also im not sure which boxes i should or shouldn't be ticking any help would be appreciated .

Thanks Nibbles .

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no to mediation

1 wit you 

the rest is obv.

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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Hey dx100uk, 

Thank you for replying ... ok i know i need to double check for my self ,

on the form :

c1 : do you adree that the small claims track is the appropriate track for this case ? yes / no ?

if no please state why : ?

 

also i know i sign the courts one but do i also need to sign the one i send to lowells solicitors ? 

 

Thanks Nibbles

 

 

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yes

you can leave off sig/phone/email on lowells copy

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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Why are you send a DSAR and who to ?

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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read what the sar link and all its posts say....

but these are nothing to do with this claim so shouldn't be posting it here.

 

 

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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hey dx100uk ,

hope you are well ,

 

yes i know its why i just asked the question but was just replying to Andy .

 

i did and thanks again guys thought i had booked mark it but hadnt but have now . :)

Thanks Nibbles

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Im good. Nibbles in rude health and trust you are also...but dont clutter your thread with DSARS and unrelated matters.

 

Regards

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

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Afternoon My Friends 😋

today Lowell solictors have written :D

ive uploaded the pdf for you guys .

Is it my understanding that on the customer details sheet they have in a little box "Annual statement last sent " 30/06/2013 🙄 which i know that date is when they registered it with my credit file ( its the same date ) . 

yet no default notice entry to any paper work .

yet i know the OC sent the default notice on the 01/03/2013 .

but when i SAR the OC & They sent back paper work with yes you guessed it no default notice no annual statments ect ect ...…

. i think they think i dont have the default notice .

01/03/2013 to 15/03/2019 give or take a few days to my calculation is 6 years SB

but .... from the letter they say that the OC let it run the fix term agreement before selling and there fore it is not SB .... ( got to give them points for this im sure ) ..... not sure how that works when the OC sold it to Lowells on the 29/08/2014 .

again they have offered me a tomlin order .... yeah because im silly enough to enter in to that with you over what i believe is a SB debt .

i sent the DQ back to the court they signed for it on the 8/03/2019

am i right in thinking they're saying because there is no default notice (they think) that it runs from the 21/11/2014 ?

 i know not to reply to the tomlin order .

Thanks Guys

Nibbles 

 

2019-04-09 Lowell sols Another begging letter.pdf

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god..how many more times are they going trot out that twaddle.

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

latest update on MCOL is .....

Your claim was transferred to XXXXXXX on 17/04/2019

im guessing ill have to wait for the courts to send me the paper work now .

i was wondering if dx100uk or Andy would help me write out my defence for court .

hope everyone is well

Nibbles .

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you've already filed your defence...

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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Hey dx100uk,

how have you been ?

yes on mcol i entered my defence as::

1) The Claimant's claim was issued on 5/03/2019.

2) The Defendant contends that the Claimant's claim so issued is a
claim in contract and is statute barred pursuant to the provisions
of section 5 of the limitation act 1980.

If, which is denied, the claimant contends that the Defendant is
in breach of the alleged contract, in excess of 6 years have
elapsed since the date on which any cause of action for breach
accrued for the benefit of the Claimant.
.
3 The Claimant's claim to be entitled to payment of £5073.16 or
any other sum, or relief of any kind is denied.

 
i dont need to add anything ?
even though lowell only sent through their "solicitor" a copy of the CCA and nothing else i requested ?
no default notice ,(even though i have the one from 2013 from the OC) no action before court letters ect ect .
 
just dont want to roll up in court without anything i need as im not sure how court works for this kind of thing being it my first time to reach this point .
 
thanks Nibbles .
 
 
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we know that

but you have wrongly stated 

i was wondering if dx100uk or Andy would help me write out my defence for court .

you next step is your WITNESS STATEMENT.

you really should be reading up in the down periods between stages

so you know what to do next

you haven't a court date yet?? so don't know when its due

await the courts directions

but there is no harm in your researching what you witness statement might need to contain

use the google custom search top right

claimform witness statement loan

or 

claimform witness statement provident loan

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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I feel you should be made aware of this ruling, I am unsure whyyou have not been already.

 

 

 

 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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thanks dx100uk , i did mean witness statement .

i am at present in a lot of pain please bare with me .

no no court date yet so ill will await it .

i will and am searching for examples to help me and ill keep searching its just how to word my witness statement that i think ill need help with .

Dodgeball :  you did  post it already . i also asked you if it went from default date and not last payment date . im a little confused by your post .

thanks Nibbles .

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The cause of action date now corresponds with the DN date plus 14 days.

This must be held in mind whenever our dealing with SB issues, So do you know exactly when the default was issued.

The date would have to be before any assignment to a debt collector.

Further, no one seems to have told you why the letter sent to you was incorrect, it seems pretty reasonable to me.

They could not issue a default so they waited for the agreement to terminate itself, and then preceded, what's wrong with that?

 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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no they didnt wait  for the agreement to terminate , agreement would of terminated nov 2014 provident sold it august 2014 .

default notice is dated 1st march 2013  ( i found the default notice . )

which has been stated a number of times .

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  • 2 weeks later...

hey guys ,

still awaiting to hear from the court , ...

 

is there something wrong with the MCOL site as ive been  trying to login for a couple of days now and it tells me password is incorrect ?

 

also i did as dx100uk said and started looking at the claimform witness statement provident loan  ect ect but i cant find anything to help me write up my own 😧 as i wanted to get this in order before i hear from the court for the court date .

 

im stuggling to word it i guess , and being in a lot of pain isnt helping me focus at present maybe ive missed something in the forum but i cant see anything that can help me .

 

anyway hope everyone is well

Thanks

Nibbles .

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