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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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Loki187 V's Capital 1 - for charges


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Had letter today dated saying that they have entered the default!!!!

 

Even though I sent them a letter dated the 30th saying my account is in dispute.

 

HELP anyone????

 

I really need to kick this into touch now!!! I'm thinking off going ahead without the other 2 statments now. I'm livid!!:mad:

 

Can anyone advise as to what my next step is ???

 

There getting a telephone off me at work once this debt collection section has opened!!!

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You may know that I have been trying to get my default removed, see here: http://www.consumeractiongroup.co.uk/forum/capital-one/51318-tanzarelli-capital-one-post416335.html#post416335

 

Crap one have just entered a defence which is just there letter which they sent to me and I refused as a settlement. Only just got the letter and defence from court and it was date 25th Jan, picked it up this morning. If you have writen to inform them that the account was in dispute and then they entered a default after this as a retaliation then I believe they are in some poo and it should be fairly easy to have it removed. I would wrtite to them regarding the fact that you had previously writen to say acount in dispute enclosing a copy of the letter. I would also request it is removed. Have a look at this: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html also but seek guidance from others before sending it. I am having pc probs at moment so in between computers grabbing the odd 5 mins when I can so wont be about much however keep posting your questions and I or others will try to help if and when we can. I would suggest a pm to Jonny2Bad as he is very knowledgeable on this.

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Right just an update on my current sistuation.

 

... allthough I have only sent a letter asking them to take no further action on my account, and as you have read they did! Anyway I have been busy with selling my house so havent been able to send any further letters. I had a letter from Crapital one on 6th Feb saying that they are going to refund the difference from 20.00 to 12.00 on all my over limit fees which tallyed to £164.00. No mention about all the other fees!

 

Then this evening I get a corking phone call from crapital one saying that my account has been passed back to them from the debt agency, is there any chance that we could come to some sort off arangement! I wiped the floor with him, he didnt know what he was going on about or about my letters. Spent 15 reading the notes on my account. :p Then tried to work out some figures and said so theres anotehr 160.00 in dispute!!

 

Well lucky for them I'm going to send of my pelimary letter tomorrow that should help them work out how much I am disputing, silly people ;)

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Tanz, a little advise please. :p

 

Since i haven't yet sent them my charges for my account do I need to use one of the spread sheets which will talley up my interest and charges? Do i go for this compound intrest? and which spreadie should I use??

 

Also do I send them the pelimary letter or the template that you use for 'thank you for your offer as PART payment' OR a mixture off two. I don't want to confuse them or myself! ;)

 

thanks tanz hun

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It would depend on what you decide to do. If your only claiming the stat 8% then this is applied when you file and not before. However if you decide to claim contractual interest then this is done from the outset, firstly though I suggest some serious reading so you understand the concept.

 

Try here: http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/49074-can-we-have-new.html

 

Here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

Here: http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/49470-contractual-interest-details-case.html

 

But mainly see here: http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html?highlight=contractual+interest

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