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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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robbersway and welcome debt - now resolvecall - proposed reconnection visit


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Thanks

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Thanks Dx but which is post 15? Their not numbered?

 

Found it Dx! Sorry,

 

So is the CCA agreement legit? Everything ok with it?

 

You mentioned before about the interest being outrageous is this something I can attack them with?

 

You said when u looked at the full Sar that it was very revealing, what can I do with that now?

 

Shall I put up the default notice?

 

Sorry for the questions but I want to put this this whole sorry situation which has plagued me for 7years plus to bed!

 

I feel I'm so close but I just need you guys to elaborate for me please!

 

How do I approach MKRR now?

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you have already posted the cca / dn in post 12

 

ok you've been ripped off royally.

 

but under the spreadsheet I post

sadly it works out.

 

let me go see if theres anything we can 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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my notes

 

last payment 2010

vanished from CRA file

charge on property gone too

MKRR crawling for an arrangement

defective default notice

no T&C's for CCA

 

have MKRR been chasing?

 

dx

 

was there a comms log from their data system in the sar?

 

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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MKRR ave been chasing but only 3 letters and nothing heavy, I'll check on comms log from welcome but I'm sure I emailed everything to you from SAR?

 

There is an activities log and a correspondence log is that what your looking for Dx?

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all of those yes

 

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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  • 2 weeks later...

ok done the file

 

let me see what I needed it for: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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cant see any other than....29/07/10 data cleanse preformed.

 

have we the MKDP scans 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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cant see any other than....29/07/10 data cleanse preformed.

 

have we the MKDP scans here?

 

dx

 

The only thing I had from MKDP was the loan agreement front page, should I have had more from them?

what does the data cleanse mean?

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dunno hiding things?

 

MKDP for a CCA return must send:

 

the signed agreement

the T&C's from the time of signature

and any other major revisions

a statement of the account

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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So data cleanse is classed as a major revision?

And I have no T&Cs from the time of signature?

 

I have had a phone call from Raven recoveries, i told them correspondence in writing only, what shall I do now? Act on dodgy default? Ask for missing data?

 

Thanks

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raven are the same lot.

 

did you get those letters off

 

sri you've sent them already

 

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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Share on other sites

if they've sent no T&C's for the time it was signed

 

up the creek they be ...

 

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

Wot no paddle?!

 

So... In the SAR request there wasn't T&Cs, could they not just 'add'them in?

 

The default notice info is not correct and there are items missing from the agreement.

 

With all this in mind,

 

what action do I take now?

 

I received a phone call from raven and I told them contact by letter only

so what do I do when they next write?

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I suspect that will be a discount letter.

 

if no T&C's are available then the CCA is unenforceable.

 

end of story really.

 

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 dx,

Def no t&c's in original or SAR docs! But im just readingvall the letters welcome sent me and one dated 28/08/10 states that i have had a default notice served but i have then had another on the 4/10/10, how many can they serve? They both state account had been terminated but i still receive letters afterwards

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termination does not mean they cant chase the debt

 

as long as the orig default date never changed

and the debt was removed from the cra on theat defaults 6th birthday

they can send as many as they like

 

doesn't change a thing.

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 dx,

Def no t&c's in original or SAR docs! But im just readingvall the letters welcome sent me and one dated 28/08/10 states that i have had a default notice served but i have then had another on the 4/10/10, how many can they serve? They both state account had been terminated but i still receive letters afterwards

 

 

Termination of the account does not stop collection letters etc., just means the account is no longer operational.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks guys,

Do what do I do now?

Nothing? Or tell them about no T&Cs , Dodgy default, etc etc?

Would like to get this sorted and closed really as want to move house and get new mortgage in a couple years which is when default will fall off. but if default is dodgy and no T&Cs then surely the CRA entry shoud be removed and default removed??

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you don't tell them anything.

 

the default on your cra file will vanish on its 6th birthday

along with the whole account

and they cannot put it back on either

 

regardless if its paid off or not.

 

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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you don't

 

let us know their next move when it happens.

 

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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  • 2 months later...

Hi Dx and all,

Its been a couple of months but hopefully all the correspondence is on here so you can refresh yourself!

 

Here is the latest letter from Raven,

 

 

what should i do now?

 

 

From our previous chats you hopefully remember that i have a dodgy default notice,

missing info on the CCA and

 

 

no t&c's were provided when i asked from MKRR,

 

Thanks

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