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    • now read my post again carefully.. dx  
    • Thanks. I often use this free site  https://www.sejda.com/compress-pdf  for work to compress PDFs. If it's no good, as you say, split it, and we'll do the biz at this end tomorrow. Knackered here - more in the morrow.
    • This is the covering email response (all personal details removed) - the pdf with all the info is 8mb - too big to upload - I'll need to split it and redact it tomorrow. Dear, We write further to your recent correspondence. We note from this that you have submitted a Request for Access pursuant to Article 15 of the UK General Data Protection Regulation (UK GDPR). We wish to confirm that the response provided below, and via the enclosed documents, concerns the Parking Charge referenced above. This data is provided on the basis that we note that you have already been identified as the registered keeper of the vehicle in question in relation to the dates of 22nd August 2023 and 11th September 2023 and therefore we can be satisfied, to the standard required, that the data collected and processed in respect of that vehicle on that date is personal data pertaining to you. We can confirm that your name and address were provided by the DVLA on 26th August 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 22nd August 2023 Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we entered into legal proceedings on 8th January 2024 in order to recover the outstanding sum owed for the Parking Charge and further costs were incurred. We can confirm that your name and address were provided by the DVLA on 15th September 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 11th September 2023 . Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we contacted our recovery agent in order to recover the outstanding sum owed against the Parking Charge. For clarity, personal data sent to our recovery agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. We can confirm, in line with s.(1)(h) of Article 15, that no automated decision-making or profiling, referred to in Article 22(1) and (4), has been undertaken in relation to personal data in this case. We note that Article 22 states as follows, “The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her or similarly significantly affects him or her”. We can confirm that you have not been subject to such a decision and that the processing falls outside the scope of Article 22. Any automated checks undertaken by Parkingeye in relation to ANPR data will only result in a decision not to issue a Parking Charge. Should the ANPR data we process indicate that a breach of the parking terms and conditions has taken place, any subsequent decision to issue a Parking Charge will require that data to pass through a substantial checking process that includes human intervention. Please note that the UK General Data Protection Regulation provides the following further rights:   •             The right to request from Parkingeye access, rectification or erasure of your personal data; •             The right to request from Parkingeye restriction of processing of your personal data; •             The right to object to the processing of your personal data.   Please note that some of these rights are not absolute and will only apply in certain circumstances. We will review each request we receive in respect of these rights. We do not have to agree with a request but if we refuse, we will still contact the data subject within one month to explain why. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO). For further information, please refer to the ICO website, www.ico.org.uk. You may also seek a judicial remedy. For further information about your rights as a data subject, plus information about the categories of data we process, data transfers, the legal basis for our processing, and the purposes of processing, please visit: https://www.Parkingeye.co.uk/privacy-policy/   Yours sincerely,   Parkingeye Privacy Team
    • Thanks to you both.  I'd guessed it was CCTV, but the creeps who sneak up and take photos of the vehicles also use time stamps. BTW TT98, what you have received is not a fine, you can never be clobbered for the statutory consequences of not paying a fine - because it isn't one.  It's an invoice, and they have the same right to sue you as you have the right to sue anyone as a layperson who doesn't pay you for an invoice.  It's just a simple civil matter about a "debt".  Nothing worse.
    • As Dave has already said there are Consideration periods and Grace periods to be taken into account when private parking is involved. Before looking at that the first thing is to check whether your PCN complies with the Protection of Freedoms Act 2012 Schedule 4 which regulates the private parking rogues. They were very good at twice quoting from the Act but they missed Section 9[2][e] (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; They didn't do that so they have not complied with the Act which means they cannot pursue you as the keeper only as the driver which they said themselves when quoting Section 9 [2][f] . In addition they are supposed to quote the period of parking but instead given the times of arrival and departure of your vegicle which is not the same thing.Obviously their times  include the driving times to the parking place plus later from the parking place to the exit. So removing those times from your 15 minute overtime and that doesn't include extra minutes when your car was held up by stopping for pedestrians or other cars passing in front of you as well as returning the shopping trolley and possibly  queueing to get out of the car park. And that doesn't include children and or disabled people causing greater differences betwen their times and the actual parking period which is what is specified in the Act. It is perfectly possible that as much as fifteen minutes longer  could be taken in a larger busy car park compared to their spurious ANPR times. You may have noticed sating well done to you in his post. that was for two reasons. The first for giving us all the necessary details surrounding the alleged breach. the second well done was for not appealing a possibly giving away who was driving. As you the keeper is not responsible now for paying the PCN and Highview do not know who was driving they will have difficulty if the take you to Court since Courts do not accept that the keeper and the driver are the same person which is quite right considering that quite often family members often drive as opposed to the keeper as can loads of other people drive your  who have valid insurance motor policies. So don't worry even if you have to go to Court as the odds are in your favour and that's before we see the contract and Witness Statement which often give more ammunition against them.
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Capquest chasing OH's old Amex Card Debt


tigeress289

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My wife has received a demand for monies owed by a company called Capquest.

They state that she owes £3476.00p on the 20/10/22.

The letter also states the debt is being handled by Resolvecall and managed by them.

Resolvecall sent an early payment offer of £2085.84p on the 31/10/22.

And the Capquest sent another demand for £5596.76p on the 9/11/22.

In the meantime I sent both companies a request under the Consumer credit act which was ignored as they stated it is online fake news?

 

So I then applied for a SAR to both companies.

Resolvecall replied stating it was being referred back to Capquest as they held the original debt.

 

Capquest in return replied today asking for full details of

Full Name

1st Line of of current address

Postcode

Date of Birth

Last address provided to the credit card company.

 

The first 3 questions were already supplied as they addressed the letter to the above.

 

I am reluctant to provide any such information and refuse to sign anything.

Has anyone had dealings with these companies as another name of Arrow Global has appeared as well.

And do we have to give anymore information as we requested the SAR.

 

Thank you.   

 

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all the same lot

 

whats the debt they are after please?

 

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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  • dx100uk changed the title to Capquest chasing OH's old Amex Car Debt

so very old amex card

 

 

if you've sent CCA request and to date they have failed

then very safe to ignore until they ever do or send a letter of claim.

 

what was the last time your OH used or paid it please?

 

dx

 

 

 

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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American express.

 

We cannot remember ever having an American express card. 

That is why we have applied for the SAR as we want details.

 

We cannot remember ever having one and theres no record on my OH credit report at all.

As for dealing with these companies we have not signed anything only requested proof of the debt claimed. 

 

6 hours ago, Homer67 said:

When did the debt default?

 

We cannot ever remember having an Amex card.

That is why we applied for an SAR to provide proof.

 

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an sar to amex wont give you the agreement.

and its pointless to ever sar a DCA.

 

Amex have sold the supposed debt to Arrows Group.

id be sending Capquest a CCA  request.

 

SAR's or Prove i letters are absolutely pointless

 

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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What is a CCA? 

So the Arrows group controls the other 2?

How old can a debt be because we are having trouble thinking at least 20 years but cannot even remember Amex if ever.

Edited by dx100uk
unnecessary previous post quote removed
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click cca request and read all the posts.

 

Arrows Group are a Group of companies bit like say a car maker, they have differing trading names.

mostly to scam people out of money by making them think a debt is going up some kind of chain.

 

A DCA is NOT A BAILIFF 

and has 

ZERO legal powers on ANY debt - no matter what it's type.

 

 

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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just type 

no need to keep hitting quote

we know what we said its above your reply.

 

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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yes they are most probably both.

 

go read a few threads in the debt self help forum here

 

get upto speed....

 

let's put it this way...

 

why, if they were enforceable or due, would a multi-£B international company sell a debt for <10p=£1 and not crush you in court themselves...makes you wonder.

 

HOWEVER. the real thing to ENSURE here is the DEBT OWNER, has your correct and current address, cause it could just be a phishing letter to see if you dont reply, cause if you've moved since last comms with Amex or the debt buyer, they could quite legally get a backdoor CCJ using an old address and get a default judgement, we call it a roboclaim, as no-human is involved in the process anywhere, be it SB's or not enforceable makes no odds...its automatically rubberstamp thru, by a computer, 

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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Sent CCA off today tracked. 

We had 3 calls on our home phone from Resolvecall today and wanted to ask if anyone knows how they got our number as 

we mainly use mobiles and very few people even have our number.

I cannot believe they are allowed to trade as this is not right.

 

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credit file, social media or initial agreement you signed.

 

 

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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  • 3 weeks later...

Latest update. Sent CCA off 7th December tracked Royal Mail.

Had 2 letters yesterday first from Capquest who we sent CCA to. 

They write to acknowledge our recent letter and requested documentation.

Collections ect, temporarily suspended.

Letter dated 13th December received 19th December.

 

Second letter from Arrow Global returning PO as free of charge.

Same Collections temporarily suspended and letter dated 13th December received 19th December. 

They will respond as soon as possible.

 

Which will be a first as we have never had an American Express card.

It must be a Christmas Miracle. 

 

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  • dx100uk changed the title to Capquest chasing OH's old Amex Card Debt

both std letters and actions.

 

doesn't look like they are going to be able to fund their New Years Party by fleecing you...

you found CAG.

 

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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What I am having trouble with now is that these companies can harass you for money and are clearly causing stress and hardship in so many cares.

 

When the truth is that they have no legal right to pursue something that is legally barred.

 

Also some debts are just made up but many people pay up for a quiet life.

 

My question is why is there legal recourse that we could take against them to stop this illegal practice.

 

Interested to know any views of this question.

 

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Been debated to dead here since we've been around in 2006 

 

It's not illegal, it's unlawful and it's sadly a legit business and the biggest financial industry there is 

 

The using laws already in existence, if they were breaking any, which they are not, are the tools to use 

 

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 hours ago, tigeress289 said:

When the truth is that they have no legal right to pursue something that is legally barred.

where did you ever get that from?

 

ofcourse they can ask you to pay the debt - no law says otherwise

you can equally ignore them until they provide legally enforceable paperwork....😉

 

i told you earlier, you really must get reading up

 

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

Start a thread for the speculative invoice ccj and another for the TfL PCN 

 

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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