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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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Lowells Pre Court Letter Shop Direct


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Hi Ive had a reconstituted credit agreement from Shop Direct, can anyone have a look for me,

 

the account was taken out in 13/06/2006.

 

I went into a debt management plan in 2008 and I have been making payments to them for the last 10 years.

 

I found this thread in Jan this year and stopped paying and sent CCA's to all my creditors.

 

I havent claimed anything back on the account as far as I am aware I never had ppi on the account

 

 

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Wheres the rest of the agreement?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

If all they can send is a reconstituted version for a 2006 agreement......then it follows they dont have the original to enable enforcement of the agreement.

 

 

Andy

We could do with some help from you.

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

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moved to mail order forum

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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  • 1 year later...

Good Evening all

I have received a letter before court proceedings from Lowells Financial regarding a shop direct Very account,

I have sent over a CCA request to Lowells, they responded with a recon credit agreement and a statement of account.

 

Included in the response they said they have been instructed and intend to issue court proceedings.

I have not responded to the letter before court yet please could anyone give any advise and how to proceed should I reply to the form from Lowells? I have previously posted the credit agreement received on another thread but couldnt seem to post a reply on there. 

 

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Please would you fill this out <<<<<

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I think my learned friend accidently posted the wrong link

 

it should be this one 

 

 

and you follow post 5 there

 

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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sorry post 2 ....shows you how many of those uae debts we're dealing with at present....:lol:

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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you sent a good few CCA's almost 2yrs ago and wiped out and incredible amount of debts following you DMP with PP>

 

are you indicating you've already sent a CCA again since then?

 

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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Hi yes I’ve had some good responses which is great!

 

I cca’d this 2 years ago

it was passed on to Lowell’s and when I rec’d the before court form I sent a cca request to Lowell’s and they sent me the same one as above back with a statement of account and a letter to say they have fulfilled my request and intend to take it to court if I don’t pay.

 

Is the agreement enforceable as I really don’t want to risk a ccj and could set up a plan with them?

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so you don't need to repeat the CCA and you need a reason to dispute the debt.

 

I can't see the CCA upload anymore as it vanished during an old virus attack or our move to new forum software

can you pop the scan back up please?

 

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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can i confirm that is not signed by you but is infact blank?

 

 

 

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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Then its bogroll

send them 'em a new cca

you dispute the debt because the debt buyer has failed to comply with previous request

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 thought that they didn’t need to have your signature on now and recon ones were ok?

 

So shall I reply to lowells claim letter saying I dispute the debt due to none Signed credit agreement?

And request the list of documents as per post 2 in the pre debt protocol document? 

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there is nothing there other that a bit of cut n paste or photo manipulation inserting youer details on a copy of the T&C's which can bedownloaded from here or came out of lowells filing cabinet.

 

there is no proof on the agreement you signed up

its blank.

 

go look at other lowell cat debtthreads here and get upto speed

use our search top right.

 

as for the PAPLOC reply form...

don't give the game away..

reason as my last post..

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 for all responses I’ve been looking at other threads and now feel totally confused as I’m scared of actually having to go to court as I have no idea how to defend this! Torn between just setting up a payment plan and not wanting them to win! 

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because you've not been reading up

there are 100's of PAPLOC or CAT letter of claim threads here

 

as well as 100's of Lowell claimform cat threads here [most they lose]

 

use our custom google search box that comes up after hitting our top squares logo for either. 

and get reading up.

the more you read the stronger we become.

 

going to court is no big deal a dentist is much worst.

 

don't forget the post off that reply form attached to post 2 of the thread before day 30 of their letter of claim.

1st class stamp and free proof of posting from any PO counter will 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... 

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I wish you'd read your thread before repeatedly asking the same question.

 

as already pointed out twice now

the answer is in my post 17.

 

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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  • 1 month later...

I’ve had a response from Lowell’s,

they have sent back the same credit agreement and statement of account.

 

I had an initial letter saying they had requested copies of the default notice and would put the account on hold.

 

I have now received a computer print out of my account with dates of default and when it was assigned.

The accompanying letter says it has now fulfilled my request and will persue me.

 

As they haven’t sent a copy of the default I was going to reply and say I still dispute the debt and ask for the copy again. Is this the right thing to do? 

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