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    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
    • You cant really oppose an application to lift the stay only be stayed for 11 months....claim is proceeding. Complete the following.  
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connaughts again


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Hi all

 

Basically Nov time 06 received letter from connaughts about debt, telephoned them and found out at that point that it was for Lloyds TSB for approx 14k. I was told that as I had contacted them I was admitting to the debt.

I agreed to payback 300 pm which was ok. Feb 07 (i think) I received a stat demand which on contacting them they said that it would held back if repayments were brought uptodate.

 

I tried to start repaying again but unfortunately let it slide. I recently received another stat demand in the post (stapled and with nice purple cardboard corner). I have checked and everything looked official mentioning LLoyds,connaughts and 1st Credit) but there is no stamp at all.

 

Is this inforceable with no stamp or no mention of a court ?

 

The debt is made up of a bank account, Loan (5K) and credit card (approx1.5k). I assume that they have also loaded a huge amount of charges.

 

I did receive a letter yesterday advising that they are preparing to go to court and will advise of court date soon.

 

Advice very much appreciated. :sad:

 

Best regards

Fred

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Hi Fred and welcome.

What I would do in the first instance is to fire off a request for the consumer credit agreement. Send one for each account. Send via special delivery and enclose a postal order for three pounds, £1.00 for each account. State that this is not a payment to the accounts, but the legal maximum fee for a CCA request. Also request a statement of account for each account.

They have 12 working days plus 2 to allow for delivery before they default, then 30 calender days before they commit an offence.

 

Also add in the letters that you will only communicate in writing with them and not via the telephone.

 

Thats what I would do anyway.

Tip us a wink on my scales if you think I may have helped at all;)

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Dont forget to log all and any calls they might still make and to keep copies of everything that they might send you and that you send them.

Tip us a wink on my scales if you think I may have helped at all;)

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anythin.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.

 

I hope this clarifies some things.

Be VERY careful whose advice you listen too

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Hi all

Well I have sent off a CCA request today with the fee and special delivery. I also did a SAR for good measure.

 

Just have to see what comes back now. I did notice posts about coonaughts and stat demands which made me have another look at mine. There is no court name or stamp on it and also metions 1st Credit and LLyodsTSB.

 

Could anyone advise if the stat demand is legal if it does not have a court named or indeed a court stamp -I will try and scan it tonight and post it so you can see.

 

deeeeeep breeeeath:(

regards

HJ

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