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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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Student loan from Sallie Mae, now by Drydensfairfax solicitors


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They have to send that notice every six months in accordance with the Consumer Credit Act. If they fail to do so the debt would become unenforceable until they do. In addition, they wouldn't be able to charge interest whilst they are in default of doing so. All that said, I would follow Dx's advice and await the credit agreement. If they have it. Which I doubt.

 

And regardless of what they say, they should be sending you that info - as it's likely they are 'the creditor' as per Crutchely v Go Debt [2009] and paras 2.4 to 2.7 of the OFT Guidance.

 

In short, they're trying to lead you on.

 

Yes and also Jones vs link financial

 

http://www.bailii.org/ew/cases/EWHC/QB/2012/2402.html

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 9 months later...
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Hi guys, I hope all is well.

 

Its been a while but

 

finally I have received something through the post.

 

Its a letter from Arrow global

 

'In response to a request for copy documents under section 78 of the consumer credit act 1974'.

 

They have enclosed a photocopy of the original agreement from Sallie Mae from 2007,

 

i think they may have got this from the university as Sallie Mae no longer operate in the country

and it looks like the agreement i signed in 2007.

 

It states that they are looking to outsource the account to one of their specialist third parties to manage on their behalf.

 

In bold it states 'Please note that this is not a formal acceptance of your offer and does not constitute any kind of agreement to an arranged plan.

 

Also it states that the third party will contact me in 'due' course.

 

There are three Debtline suggestions they have noted National Debtline, Payplan & Step Change Debt Charity as well as the Citizens Advice.

 

It then finishes with a correspondence address which is a PO Box number and 'Your Sincerely' Arrow Global (which someone has signed with a 'AG.

 

It has been a very long time since I last heard from them

and I am extremely worried about where I stand.

 

Many thanks for reading this and I hope you can help.

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I would think its Statute barred now

 

 

tough luck.

 

 

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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Even though I have had contact with them?

 

What do you think I should do next? Wait for the third party to contact me?

 

It has been nearly a year since they have contacted me. The only place I think they could have got the original agreement from is either the college or another debt recovery company.

 

I am back in full time education and not eating any money at the moment. Its only a one year course.

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contact makes no odds

 

 

you've never written saying this is my debt

 

 

and signed a letter

 

 

its 6yrs sine you paid or should have done.

 

 

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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This is true, the only letter I have sent them is the CCA request.

 

I didn't hear anything for about three years due to Sallie Mae not operating in this country any more.

 

Should I wait for the 'Specialist' third party to make contact.

 

How would I go about investigating the statute barred?

 

 

 

contact makes no odds

 

 

you've never written saying this is my debt

 

 

and signed a letter

 

 

its 6yrs sine you paid or should have done.

 

 

dx

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the info is in post one from yourself

 

 

its more than 6yrs

state barred

 

 

pers I'd be ignoring them

unless you get a claimform.

 

 

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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Ahh ok no worries. How come they do not see this fact and admit defeat?

 

Well hopefully it is out of the timeframe and state barred. I did initially take out the loan in 2007.

 

As yet no claim form. They won't be ruthless and send the bailiffs round will they?

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cause they try snd fleece people

that know no better.

 

 

bailiffs? where did that come from?

 

 

DCA's &/or their fake/tame solicitors ARE NOT AND CAN NEVER BE..BAILIFFS.

they have NO SUCH LEGAL POWERS

 

 

they ONLY ever MIGHT get involved

 

 

IF someone files a claimform

IF they win

IF they get a CCJ

and IF you fail to pay it.

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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I think with all the scary debt culture and the programmes on television like 'Can't Pay? We'll Take It Away'

 

it looks like a very ruthless business and

 

I do get very scared about the whole situation.

 

Its not like I have lots of assets to take as I live a very simple life.

 

Does the time start from when I signed the original agreement which was in 2007?

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again you are confusing things.

 

 

the bailiffs in that program

[well they aren't!! - they are operating under ONE persons High Court Certificate, and he lives in south Africa I think!]

 

 

would never be involved in a Civil debt like a loan/card etc. from the big banks to you

it business stuff they do.

 

 

SB clock starts at last payment or last deferment.

 

 

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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Ahhhh I see, it is definitely the way that they perceive it to be a very common occurrence

and one that can be actioned at the drop of a hat.

 

 

I most definitely my naivety as this is the one and only thing that I have ever had trouble with, it is very new to me.

 

Well this debt has not had any payment what so ever

and it has been passed on about three times to different debt companies.

 

 

Sallie Mae (the original study loan company) no longer operate in this country.

 

Would the last deferment date be the last time it was passed to a different company?

 

 

Is this why different companies buy the debt to keep is from being State Barred?

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matters not what THEY do

 

its YOUR actions that determine the SB date.

 

typically on student loans you 'defer' repayment until you reach an income level

 

this is done via the deferment process and forms.

 

filing in one of those

or any document related to the loan that YOU SIGNED.

which effectively says in oneway or another

you ACKnowlege you owe the debt.

 

will reset the SB clock.

 

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

This is strange situation as it is a loan that was not taken out with the student loans company

but rather a specialist company who provided professional studies loans for Masters degrees.

 

 

The company (which I believe is American) stopped providing loans in this country and just left people with no clue what to do.

 

It was only after about three/four years of hearing nothing as also seeing that other people were in the same situation as me

that I then started receiving letters from a debt recover company in Scotland (Total Credit Financial Services.

It was passed onto another Drydens and then Arrow.

So it has been passed on a few times from pillar to post.

 

It is for this reason that I am unsure what the actual start date is and also if the debt after seven years is state barred with it being passed on?

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IT IS STATUTE BARRED

passing on a debt DOES NOT have any effect.

 

forget about it SB is the end of your problems.

 

and in your very first post you mention deferment.

 

everyone is trying to spoof you

 

send the SB letter

 

ignore everyone

 

until/unless a claimform arrives

 

it would also help if you scan up what you have been sent too please

 

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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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  • 10 months later...

Hi all, where did you get to with this?

Are you now dealing with Capquest like me?

What would be the 'cause of action' in the case of these loans do you think?

K

Edited by dx100uk
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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

  • 2 years later...

Hello. I am the original poster for this thread. I really appreciate all of the help and advice that I received from this site.

 

As it stands I have not heard anything from the recovery agent after following the advice that I was given from here.

 

That was a few years ago now as now it is 2018 and still nothing. The debt is now 11 years old.

 

I recently looked my credit score with ClearScore and non of my Sallie Mae debts do not feature on it.

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he thanks for coming back...

as we suspected...trying to fleece people.

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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Greetings and salutations!

 

Great to be back, I didn't realise it had been so long.

 

After I had sent the various letters they sent me back some photocopies of the original agreement from Sallie Mae and (if my memory serves me correctly) they said they would temporarily suspend any action against me.

 

This was a few years ago now and I have not heard anything since!.

 

This is either one of two things, a calm before a storm or they have finally stopped.

 

In your experience which of the two do you think has happened?

Edited by dx100uk
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drydens specialise in debts no-one else will touch

their major income is shortfalls and sadly 10'000's of people fall for their threat-o-grams..

 

it will go nowhere...........

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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