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    • 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 Settlement - old MNBA Card debt around 3 years old


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Hi new to the board,

I have an old MNBA debt around 3 years old, PRA group have purchased it and time to to they send these offers for my account to be closed, my concern is they are trying  to make me admit debt and it doesn't state it will be full and final settlement just that the account will be closed, will they sell it on for the remainder, the discount is 65%? 

 

heres the wording:

 

65.00% discount on your account
There is the option of 65.00% discount available if it would help you manage your account:
Please note this offer will expire on Monday 22nd June 2021
Use your discount in 3 easy steps:
  • Log in online using your name, date of birth and postcode (or reference number & password from a PRA letter)
  • Select your MBNA Limited account and click 'make a one-off payment'
  • Enter £*** and pay by debit card
We will do the rest and send you a letter to confirm your account is closed.
If appropriate, your credit file will be updated to show you have made a payment. However, paying this amount will not look as positive on your credit file as paying off your balance in full would. There are other options too, so get in touch to discuss what else you can do.

 

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Are you currently making payments to PRA or not paid anything since the debt was sold to them ?

How much is the current debt ?

 

Andy

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No i havent made any payments to them. Mbna quickly sold on the debt to pra, within 6 months of default. Debt is close to 7k.

 

Thanks for response..

Edited by NicMafia
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How long since last payment. I know u said about 3 yrs and it was sold within 6 months 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Ok and when did you take card out. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well they can word a offer  how they like. Yes it does not say it will be wipped and not sold and chased by someone else. 

I was wondering on reason if the discount eg its old and paperwork a issue 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Its not an old debt, they state they will close my account but that will not stop em selling it on will it.

 

Now if i query it this will restart the SB clock, so im hesitant.

Edited by NicMafia
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Reading the last paragraph above it implies your credit file will be marked as satisfied...which would indicate that they may write the rest off.

If you were to accept their offer...and the debt is quite considerable...its important that you seek clarity from them before accepting their offer and in writing.....you would be prepared to consider the offer on provision that they confirm the balance is written off.

 

Although the time offered close.....the actual date is Tues not Monday 22nd June

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You need any confirmation in writing as well dont just accept there word. 

I could tell you l won the lottery but when l only got 4 numbers. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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No it does not restart it just continues it until the 6 yr date.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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No...you have not acknowledged the debt...simply responding to their offer...that's not an acknowledgment. Once you have a written conformation that the debt will be closed and balance wrote off...its irrelevant then if you acknowledge or your deal affects the limitations date.

 

 

 

.

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Nope dont do anything on the phone email them 

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks Andy and Godmother.

 

So if i email and state i have received your offer of 65% discount, i am prepared to consider the offer if the offer is full and final settlement and the full balance is written off. Please can you confirm via letter.

 

This will not restart the SB clock?

 

Also if they email back and state its full and final is that good enough proof or does it have to be a letter?

 

 

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No it will not restart and email is as good as letter IMO. 

  • Thanks 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • dx100uk changed the title to PRA Settlement - old MNBA Card debt around 3 years old

who says the debt is even enforceable?

might be why they are offering such a large discount so they get something out of you before you wise up and send a CCA request.

 

with no enforceable CCA nothing needs paying at all.

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 did say about that in a earlier post but the OP was more interested in the wording of the offer than anything else

Yes it can be unenforceable how did you apply 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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guaranteed due to age of 2016 being enforceable is not strictly true, we win most MBNA claims even on recent cards.

 

what pricked my ears was the debt is close to £7k .. PRA are at the best of times wolves and i simply cant see them giving away +£3.5k when for £25 they could raise a court claim and win hands down if the correct paperwork existed.

 

for the sake of £1 i'd do that and await the next offer...rather that take an offer that could end up with you paying almost £7k cause they will sell it on i bet or scam you by using a differing trading name after you've reset the SB clock.

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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Also where the proper checks on affordability done. I know this is a more  recent thing but still needs thinking about 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hmmm, if i CCA will that reset SB clock if they provide me with paperwork?

 

i thought if i get f/f settlement in writing the remaining balance will be written off so how will they reset the SB clock, like Godmother and Andy stated

 

at the time of the application? no i was accepted based on credit rating.

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