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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • 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.  
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considering requesting CCA info from my providers.


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Hi all, been reading this forum for last few days considering requesting CCA info from my providers.

 

There are small balances outstanding on 3 different credit cards (barclays £780, Virgin (MBNA) £600, M&S £500) all were taken out between 2000-2004 and i can honestly say i don't remember signing a thing!

 

I don't really want to effect my credit score and would settle at partial payments if they could not provide a true CCA, can anyone please advise on the first letter i shoud send these providers and address to which i send? Many thanks

Edited by rizel23
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You could send this letter, however I don't know about addresses but I'm sure someone will.

 

Dear Sir or Madam

 

Re: (Your Account No.)

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

Please note all communication must be in writing only.

 

I look forward to hearing from you.

 

Yours faithfully

 

Hope this is of help to you.

DG

I have no legal training my knowledge comes from my personal life experiences

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thanks all, i totally missed the template section, but thanks DG :-)

 

I think I'm confusing myself by reading all this now, but first i guess i need to know if all agreements are valid and i presume i continue to make payments till it is in question that they are not (if that is the case)

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

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Hi

 

If it was me I would keep making the payments but that's up to you.

 

Send the CCA request to them all and dont forget the £1 PO with each one, send RD so you have a record of posting and you can keep a check on when they receive it. They have 12 + 2 days to respond to you after that time if you've not got what you have requested then you can send an account in dispute letter and stop paying until it's resolved.

 

When you get your replies scan then up you can do it thro photobucke its free then everyone can advise you.

 

Dont use your usual signature for the letters or if you do put a couple of crosses or lines through so you know that they haven't digital enhanced or copies and pasted your signature.

 

Hope thats helped you, if they phone you dont speak to them, if you do you must tell them that everything has to be in writing only.

 

DG:)

I have no legal training my knowledge comes from my personal life experiences

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Will see what I can find for you tomorrow when I go to work if nobody comes up with anything tonight.

DG

I have no legal training my knowledge comes from my personal life experiences

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  • 2 weeks later...

It may be a good idea if you start different threads for the different companies. This will make it easier for everyone to follow. If you press the red triangle and explain to the site team someone should be able to help you.

Edited by cymruambyth
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  • 6 years later...

I have three unsettled (in dispute) defaults that are due to expire after the 6 years with the last one on 11th February 2016

 

Can anyone please advise when is the best date to check the defaults have dropped off my file?

 

Thanks.

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March time.

 

Check with Clearscore and Noddle. Remember 6 years from default date.

 

Thanks yes, times quoted are when from placed on file, the actual last default date was 27th August 2009, but did not reach credit file until the 11th February 2010

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Thanks yes, times quoted are when from placed on file, the actual last default date was 27th August 2009, but did not reach credit file until the 11th February 2010

 

Hi Rizel...

 

Sorry about my short response before. It would be March time :)

So wait until your Noddle CRA Refreshes in March to check

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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