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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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Clarification help needed on cca defaulting please


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Searching through lots of stickies and threads, I'm still unclear as to the difference between the 12+2 working days default deadline and the 30 day calendar date criminal offence timeline. I understand the legal differences but what does it mean to the debtor?

Some posts on here state that after the 12+2 period has passed, the debt is unenforceable by law. But is that correct?

Also, do postal strikes affect the 12+2 period? (once the cca request has been received)

Thanks for any clarification .....

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Intresting question. From what I gather and im no expert is after the 12+2 days they have to goto court to be able to reenfoece the debt. After the 30 days you can report them to the powers that be to drop them in the poo-poo.

 

Im subscribing tom this post as im intrested in the correct answer to.

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It's always best to send by rec/del so you have a delivery date and the 12+2 timescale doesn't come in to it.

 

Beginning the day after delivery, "they" have 12 working days to supply, after that the request is in default and cannot be enforced by anyone. After a calendar month in default a summary Criminal Offence is committed which must be reported to Trading Standards within 6 months. A calendar month is calculated using 30 normal days unless the last day falls upon a Sunday or Bank Holiday in which case it's 31 days.

 

Any clearer now? ;)

 

Regards, Dave.

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Sorry to jump in your thread risibilis, if i may i have a question for DMS.

 

What happens if the CCA turns up 1 week after the 12 days have finished.

and

What happens if it turns up 1 week after the 12+2+30 days. or anytime after the timespans.

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Sorry to jump in your thread risibilis, if i may i have a question for DMS.

 

What happens if the CCA turns up 1 week after the 12 days have finished.

Enforceable again.

and

What happens if it turns up 1 week after the 12+2+30 days. or anytime after the timespans.

Would have to be enforced by the Court, but if the CCA was ok it probably would be.

 

Forget this +2 thing too, send by rec/del and the clock starts ticking the day after delivery and there is proof that it was delivered.

 

Regards, Dave.

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OK i think i got it so for example you have a debt with abc123 collections. You are paying them and you CCA them. You carry on paying upto the 12th day then you can stop payments untill a CCA turns up on your door.

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It's always best to send by rec/del so you have a delivery date and the 12+2 timescale doesn't come in to it.

 

Beginning the day after delivery, "they" have 12 working days to supply, after that the request is in default and cannot be enforced by anyone. After a calendar month in default a summary Criminal Offence is committed which must be reported to Trading Standards within 6 months. A calendar month is calculated using 30 normal days unless the last day falls upon a Sunday or Bank Holiday in which case it's 31 days.

 

Any clearer now? ;)

 

Regards, Dave.

Sort of, thanks, Dave.

It's probably best if I give specific dates here.

I sent a CCA request, recorded delivery, which was signed for on Saturday 30 June. By my calculations the 12+2 is up today, Thursday 19th July. Am I right?

Or do they get an extra day's grace because there was a one day postal strike in the middle of this period?

(And it's good to see you back on the site :) )

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Sorry to jump in your thread risibilis, if i may i have a question for DMS.

 

What happens if the CCA turns up 1 week after the 12 days have finished.

and

What happens if it turns up 1 week after the 12+2+30 days. or anytime after the timespans.

I don't mind you jumping in at all, Ashmk. In fact you worded the question better than me!

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At the risk of sounding like a pedant - or just stupid - if the cca is enforceable if it's flourished by the creditor after the default deadline, then what's the point of the 12 day deadline?

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Sort of, thanks, Dave.

It's probably best if I give specific dates here.

I sent a CCA request, recorded delivery, which was signed for on Saturday 30 June. By my calculations the 12+2 is up today, Thursday 19th July. Am I right?

Or do they get an extra day's grace because there was a one day postal strike in the middle of this period?

(And it's good to see you back on the site :) )

 

Default - 18 July

Offence - 17 August

 

Forget this +2 thing if you have a delivery date!

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At the risk of sounding like a pedant - or just stupid - if the cca is enforceable if it's flourished by the creditor after the default deadline, then what's the point of the 12 day deadline?

 

The CCA is unenforceable whilst in default. That's just the way the law is written, which is in our favour..

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The CCA is unenforceable whilst in default. That's just the way the law is written, which is in our favour..

Okay, thanks Dave, got it!

So, the really important date is the 30 calendar days one? When the debt becomes unenforceable in law.

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Just to add something to all this.

Once the CCA passes the 12 + Month and the "creditor"/DCA sends letters damanding payment or aking threats then it is time to get Trading Standards involved as this "debt" hasn't been legally proved to exist.

This is the main reason whay it is extremely important to log and document all of your dealings with DCA's.

 

As Dave mentioned without a compliant credit agreement then enforcement or any action is NOT possible. Ths is a FULL defence in law, no matter what the DCA says otherwise.

NO agreement = NO contract = NO debt.

 

Ok over simplified as the debt still exists, but is unenforceable, even in court.

There is a good precdent case that covers non-compliant credit agreements: House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

Be VERY careful whose advice you listen too

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