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    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
    • Hello, I am wondering if someone can advise. I sold some goods via an online platform who essentially middelmans and authenticates luxury goods.  I have sold over 100 times with them in the past without issue but a while ago I had a sale go wrong, whereby they claim they never received the shoes in the parcel and instead received empty boxes. They wont show any photos of what they received. I considered whether to pursue them or the courier, and decided to pursue them because the UPS tracking indicates no issues at all, but also because they are the ones that contracted with UPS.  I sent them a PAPLOC which they claim was "lengthy and pre written" which is true because I simply adapted a previous one. They rejected any resolution so I issued a claim using an adapated thread from this forum from before against i believe evri. Anyway they filed a defence which essentially says that they think I shipped empty boxes and never shipped the shoes and am commiting fraud. However, I have weight records of every parcel I ship (and have done since 2019) and they have provided no evidence to support their claims. They also failed to comply with CPR request for inspection of certain documents within their defence, such as a report by their authenticator who they claim emptied the box (Although I know this is false because they have had literal job offers for "Warehouse staff" with the job description of opening and sorting incoming orders (OWTTE) so I also think here that I have a ground that they are trying to mislead the court, which once again is likely to obstruct the just disposal of proceedings. The amount is just over £1,000 I'm now wondering whether I should apply to strike out their defence / apply for SJ on the grounds that the defence is totally without merit and will obstruct the just disposal of proceedings by making me wait months for a trial that they are bound to lose and upon them having absolutely no proof to support their claims, and me having weight records, as well as the fact they failed to comply. I am aware the fee for this would be £303 but the trial fee would be £123 itself so the difference is £180. Any advice please?
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Creditors wont accept offer of final settlement - NDR, Natwest, Cahoot


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Help - I am new to the forum so hi to you all.

 

I am trying to find out if I am being lied to.

 

Long story - wont bore you with details, But I am in debt to Littlewoods Catalogue for £2647. It is one of a number of debts I am trying to settle. I have managed to raise a pot of money to try to offer final settlements to each creditor but it is not enough to pay debts in full. I used the letter that was shown in one of the threads to offer final settlements to each one.

 

Barclays Bank - no problem - accepted offer

NatWest wont budge they want the full amount

Cahoot wont budge also threatening to pass debt to DCA

 

NDR ignored my offer then when I phoned them they said that because the debt is for a catalogue and there is no interest added (like with credits cards etc) that they cannot lower the amount owed. Is this true or are they just trying to pull a fast one.

 

I have explained that the reason I want to settle all debts now is that I have been diagnosed with MS and I do not know how many years of work I will be able to do before I have to give up or take a lower paid/parttime job and then they will be very unlikely to get the rest of it paid any way. Better to settle for a lump sum now I thought.

 

To add insult to injury I have just been turned down for DLA too even though I have difficulty walking properly and even more trouble with trying to walk any kind of distance. But that is a whole different issue.

 

I just feel there is too much to handle at the moment and I want to simplify my life!!

 

Grateful for any advice or info.

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CCA, is that when you ask them for a copy of a signed agreement? I know that I signed papers when I started the credit card, Cahoot was done on line so no signature, Littlewoods I can't remember ever signing one.

 

If I have been paying small amounts would this not be me showing I accept I owe them the debt?

 

I don't think there were any cahrges. When I first negotiated reduced payments I got Littlewoods to pay back the admin charges.

 

I would need to check with Cahoot account but I think interest may still be added on this one but no additional charges

 

Natwest have frozen interest and no other charges are being added.

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Yes, you should send them a CCA request.....you may have signed an agreement, BUT do they still have a copy ? was the agreement properly executed ? will they send you just a copy of an application form ? will they provide one within the timeframes ? a lot of questions waiting for a lot of answers.....!!!

 

As for the small amounts you have been paying I think you are allowed to challenge a debt at any stage....

 

Just send them a CCA request letter for each - certainly at this stage it puts the accounts into dispute immediately....

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Wow, there is a lot more to this CCA stuff than I had thought. I will get on and do this today.

 

Thanks so much for your help, I feel much more positive than I did before.

 

Ooh one last question, when I send the letters do I stop paying the monthly payments or should I keep them going until it is settled?

 

Cheers

 

:p

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That is entirely your decision, but what most people tend to do as far as I know is they stop paying AFTER the default period that is 12 working days + 2 days grace after you send the CCA request.

 

Also do not hand sign the letter.....and send it via Guaranteed Delivery, with a £1 postal order. And you may also like to add at the top of the letter - I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

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I read a thread the other day, and it was stated that littlwoods have never been able to produce a Credit agreement. However after the 12+2+31 days you stop paying them, they will probably register a default with all three CRA's. This will give you the problem of trying to get it removed from your file. You could let them Default then point out the fact that the debt is unenforcable, and would they reconsider your offer of settlement

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sdorry to hijack your thread bu ti am in a similar situation as you though iCCA them they give a copy which wasn't conform to CCA 1974 for credit card so i sent a cheque as full anf final offer they cashed in asi have a proof but still chasing me for th emoney. alrthoughwhen i complained to the police they told me that some of the document they sent me was a delioberate attemtp of deception and fraud so don't knwo whart to do now ? anyone any idea ?

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I read a thread the other day, and it was stated that littlwoods have never been able to produce a Credit agreement. However after the 12+2+31 days you stop paying them, they will probably register a default with all three CRA's. This will give you the problem of trying to get it removed from your file. You could let them Default then point out the fact that the debt is unenforcable, and would they reconsider your offer of settlement

 

 

Hmmnnn not so sure about the stopping paying after that amount of time, once the 12 working days has expired the debt enters into default and is unenforcable. there fore at that point you can refuse any further payments until their compliance with the CCA.

 

in addition, the rights to issue default notices come under the CCA 1974 s.87-s.89 therefore once the account in itself enters a default under s.77 or 78 the debt is unenforcable and in my humble opiniion the creditor loses the right to issue a default notice as, issuing such notice is an act of enforcement in itself.

 

Littlewoods,Kays et al are notorius for not ensuring that customers sign credit agreements before they issue them credit. however that said they have been known upon occiasion to actually have a copy of the agreement.

 

its always worth sending a CCA request though

 

 

regards

 

paul

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That makes sense.

 

I think it is highly unlikely that Littlewoods have anything like a credit agreement on record as I started this account many many years ago (probably over 15 years ago). I would be very surprised if they have any of the original application paperwork on file still.

 

Many thanks for your comments, will take all this on board

 

:p

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It funny as I have a littlewoods account and its actual in credit and they sent me a new CCA the other day to fill in. I of course sent it straigh to the dustbin:p

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Strange, maybe with all the thousands of letters they areprobably getting demanding proof of CCAs, they are trying to get existing customers who are in credit to sign CCAs in case they ever go into debt!

 

Bolting horse, stable door?

 

:p

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Hmmnnn not so sure about the stopping paying after that amount of time, once the 12 working days has expired the debt enters into default and is unenforcable. there fore at that point you can refuse any further payments until their compliance with the CCA.

 

in addition, the rights to issue default notices come under the CCA 1974 s.87-s.89 therefore once the account in itself enters a default under s.77 or 78 the debt is unenforcable and in my humble opiniion the creditor loses the right to issue a default notice as, issuing such notice is an act of enforcement in itself.

 

Littlewoods,Kays et al are notorius for not ensuring that customers sign credit agreements before they issue them credit. however that said they have been known upon occiasion to actually have a copy of the agreement.

 

its always worth sending a CCA request though

 

 

regards

 

paul

 

 

I've just finished reading your own thread and correct me if i'm wrong but they issued you with a default. I'm not trying to be argumentative but I would have thought it prudent to give people as much information as possible. As well as possible outcomes to their actions regarding CCA's and Littlewoods. Regardless of what the law states Littlewoods will issue a default and continue to chase people for the money.

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Also, don't sign anything when writing to Littlewoods. Even though Littlewoods don't hold agreements they insist that they have the right to carry on processing data. NDR and Littlewoods are a nightmare to deal with. My own case is with TS and I have sent the file to both the CE and Company Secretary. Case of waiting now.

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Hi Chris W

 

No problems, i agree that it is prudent to give people as much help and info as possible.without websites such as this one there would be many many consumers being shafted without knowing thier rights , atleast with the CAG people get a wide range of help on a wide range of subjects which can only be to the benefit of the consumers

 

in my opinion though,with regards to when to stop paying creditors, when the debt enters the default stage at the end of the 12 working days as described in the CCA1974 then you can quite legitimatley stop paying any creditor who hass failed to comply with their obligations under the Act

 

 

Littlewoods have not issued me with a Default notice as yet and i will challenge any such notice should they be foolish to do so.

 

in addition it is my opinion thatthey have lost such right to issue the said notice as they have failed to comply with the CCA 1974

 

regards

paul

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