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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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PRA PAPLOC Now Claimform - old Joint LLoyds OD account ***Claim Discontinued***


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or not as the case maybe.

yours in not the next move.

 

dx

 

  • Like 1

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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  • 3 weeks later...

Reply from PRA received today:

 

Thank you for your dispute which was received in our offices on 11 June 2019.

The purpose of this Response letter is to explain the results of my investigation into your dispute. I have made every effort to investigate your dispute thoroughly and fairly.


Your dispute

I understand form your Pre Action Protocol that you are disputing the account and have requested documents relating the account.


Response

When I received your response I contacted the original creditor, who were able to supply me with documents, I will list below the documents we received.
1. I was unable to receive a final demand , however I have included a screenshot provided by Lloyds as to when this was sent, the account was defaulted on 4 March 2016.

2. Notice of Assignment

3. Statements 9 February -1 March 2016.

4. Unable to obtain statement of all transactions.

5. No additional charges when purchased.

6. Interest and charges would have been in keeping with the agreement

7. Payment Transactions while in recoveries, this also covers payments made to PRA Group.

 

I confirm that the information provided fulfills your PAP request, as such the balance remains outstanding

 

Next steps

I will place the account on hold for 30 days , if we do not hear back from you within this timescale, we will proceed with legal action.


I trust that this now clarifies our position in relation to your dispute, however if we have misunderstood any element or you have new information that we should consider please contact our Disputes Team on 0800 877 2150 or [email protected] quoting the dispute reference number xxx
Yours sincerely,
xxx


Enclosed:

Application

Statements

Payments received

Screenshot containing details of final demand

Notice of Assignment

 

What next?

 

It almost looks like the envelope had been had delivered. The address didn't fit the window of the envelope, it looked like it had already been opened. And there was a post-it-note on it.

 

Along with that letter i got:

  • A screenshot of something showing our names and where the account has come from
  • Copies of letter from Lloyds and PRA advising us the debt has been transferred from Lloyds to PRA
  • Bank Statements
  • Copy of our application form
  • List of £1 payments made
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in other words they cant disprove what you complained about ..its all historic charges mate..

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

if you read back your thread

you stated it began in 1998.

just because your credit file or an sar only gives 6yrs of data that doesnt mean thats when it was opened.

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

I did mention in post 46 that it was actually opened in 2012. I couldn't go back and edit my first post, as the forum only allows you to edit a post for about five minutes after you post it.

So what now, call and make a deal?

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Noooooo....dont be doing something silly like that on a overdraft...

 

Scan and redact and upload what they sent you..lets take a look.

 

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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so you have the 1st statement in the sar return which shows £0 balance or evidence of the opening date?

god no you don't restart payments yet if at all.

 

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

  • A screenshot of something showing our names and where the account has come from
  • Copies of letter from Lloyds and PRA advising us the debt has been transferred from Lloyds to PRA
  • Bank Statements    (just a couple to see the letterheads and fonts)
  • Copy of our application form
  • List of £1 payments made
  • Like 1

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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so package account fees to reclaim too then.

why did you take that A/C out 

did you choose is because of the benefit of the insurance or 

were you told too?

 

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

the guys were pushing, as it came with insurances etc

 

mis-sold insurances then.

PAF reclaiming time!

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

 

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

if they actually do.

 

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

seems like you identified sev £100's you don't owe

get the reclaiming running on both fronts against Lloyds.

 

see what prac actually 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... 

Link to post
Share on other sites

Hi @dx100uk,

with regards to the account fees, my reason doesn't seem to fall into the categories mentioned, what shall i put down?

 

With regards to the overdraft interest and useage fees, how do i go about claiming that back?

 

@dx100uk, @AndyorchSo the advice now, is to ignore PRA's threat of litigation, and see what they do?

 

Looking at PRA's response, they've failed to provide all requested information.

 

Does this actually mean they've failed in their duties?

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you were told you had to have this account because you wanted XX OD ??

 

same as everyone else do a spreadsheet CISHEET 

 

quite probaly

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

  • 1 month later...
  • dx100uk changed the title to PRA PAPLOC Now Claimform - old Joint LLoyds OD account

 

please complete 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... 

Link to post
Share on other sites

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