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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      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?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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Robberway sending Do you Live here letter..

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I have received a letter from a Debt collection company asking me to confirm that i live at my address and to contact them.

 

I have recently moved to the address and guess something has alerted them.

 

I am 100% certain that i have no debts or communication with this company in the past 6 years.

 

Should I confirm my address and enquire as to what they want or ignore them?

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check your credit file 

name names too please and whats the debt?

 


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Robinson Way.

I don’t know the debt, it isn’t mentioned. 

 

The letter is stating they need to confirm the person living at the address and to contact them on an important matter.

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No adverse data on my credit file.

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didn't say adverse....

are there any debts showing at all ?

 

but I doubt it as most were in your old stepchange which means they would have been defaulted more than 6yrs so wont show.

 

typically and at a guess i'd say this is your old Barclaycard debt as hoist/robbersway is where most of these get sold too.

the issue is, you've moved numerous times and never updated your debt owners.

so the sniffer dogs are after you.

 

when did you fail the DMP?


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No debts showing at all. DMP failure would be around Apr 2013 when i split with my ex, it was joint.

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So if no debt repayments within last 6 years will be statute barred.

 

If you are sure this is the case, you could send them a  statute barred letter which would also be confirming that you live at the address. This is to prevent them gaining a CCJ by sending claim form to last confirmed address.  And then it would be up to them to argue if they did not believe it was stature barred.

 

Problem might be if the debt was joint with your ex and they have made payments in last 6 years. If this could be the case, it might be worth you just sending a letter confirming you live at the address and requesting statement of account covering last 7 year period.


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Would it be better just to confirm i live at the address for now? There is no mention of a debt in their letter just to confirm who lives at the address.

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Yes and then they will write to you with more information.


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Thanks, I will do that.

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I have drafted a letter confirming that i am the person who lives at the address but have not included any other details. Should I e mail it or post by recorded delivery?

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neither.and NEVER use e mail for debt or DCA's comms ever..

 

just send std 2nd class


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I have now received a response to my letter.

 

The gist is that this is a credit card debt from 2000 and that the last payment received was £5 in October 2013 to the original creditor.

 

There is a financial sheet attached and they are prepared to accept nominal payments.

Account will be put on hold for 30 days.

 

Im 100% sure that I personally didn’t make a payment but there is a possibility that my ex wife did as part of a debt management plan.

 

Advice on next steps please.

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Scan things up to one multipage pdf

Read upload


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So presumably i wait for next communication which will be beyond 6 years and then send the statute barred letter to their next correspondence?

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I moved house recently and received a letter from them asking for confirmation of who lived at the address. I followed the advice in the earlier posts and confirmed via letter who i was and have now received their letter. There have been no other communications or discussions. 

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I do, but not to hand. Again it follows the advice on the thread. I merely confirmed that i lived at the address and nothing else. No mention or acknowledgement of accounts, payments, debts etc. The reply i have uploaded is in response to my letter to them confirming my name and address only.

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well make sure you inform anyone else you have debt/credit with you've paid or used in say the last 7yrs you've moved

else you might end up with backdoor CCJ's you know nothing about till a bailiff is at your door.

 

inc DVLA regarding driving licence and V5C


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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the change to the electoral roll will have triggered this, they dotn actually know if they have the right person but use certain calculations to work out iklihood you are the person they are after. It is common for the to get the wrong person and then blot their credit files instead of the actual person they are after.

However, you seem to recognise this particular problem but as they arent sure they have the right person  wont be in a hurry to press you for payment yet and the timings will work in your favour.

Always use snail mail for any correspondence, do not respond to emails or phone calls

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