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    • Hi dx It's with Step Change. Yes that is the balance outstanding plus interest.
    • Hi All, I don't want to keep asking unnecessary and daft questions but as I read up on on stuff to prepare my defence and tthink about my witness statement, I am perusing the following: The BPA Code of practice states under 13. Consideration and Grace Periods: 13.1 The driver must have the chance to consider the Terms and Conditions before entering into the ‘parking contract’ with you. If, having had that opportunity, the driver decides not to park but chooses to leave the car park, you must provide them with a reasonable consideration period to leave, before the driver can be bound by your parking contract. The amount of time in these instances will vary dependant on site size and type but it must be a minimum of 5 minutes. 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place.   Let's say a motorist spends a minimum of 5 minutes to decide, then decides to park, that 5 minutes now doesn't apply? That doesn't make sense to me. So now that a motorist has parked after consideration, thus commencing the parking period, the decision time doesn't apply and parking time commenced when? .... on entry to the car park? This, as far as I can see is not stated in the [Withdrawn] Government document which says: The Code also makes clear that the consideration period ends at the point when the driver has parked and is therefore considered to have accepted the terms and conditions, which could be within the five-minute allowance. Doesn't say anything about it not applying if a parking event takes place.   [Withdrawn] Private Parking Code of Practice: explanatory document – how was it developed and what will it change? - GOV.UK WWW.GOV.UK So, according to the BPA, if a motorist inadvertently overstayed by 12 minutes for example, they have the 10 minute grace period but because they decided to park, they don't have the 5 minute consideration period because they decided to park and have overstayed by 2 minutes? Sorry if there's something I'm missing here.  
    • there are several threads here already whereby the judge in such cases only made an order to pay the required sum, the registering of a criminal record is at their discretion or not. dx  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Cash Genie/MMF/


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i refer you to post 3

unless they issue a claimform

we don't need to see every email, thought, fart or burp.

 

 

dx

 

I've had similar emails as the above.

 

Is this still the advice you would give if they have emailed "If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law LLP."

 

Still the same nonsense?

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start a new thread of your own please

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 Have received the following email today, after all the spam type "50% off debt" ones. This Cash Genie debt is around 3/4 years old. I have not replied to anything they've previously emailed.

 

 

We have been attempting to contact you and secure a solution to repay the above account for some time and have been un-successful so far.

 

In light of this and as the matter remains unresolved, we will now instruct one of our debt collection partners to commence recovery action.

 

If you prefer to speak with us and resolve this matter before this next step, our offer of help in finding the right solution still stands but you must act quickly to prevent this course of action by calling us today on 0113 887 6876.

 

If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you.

 

Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

 

If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law LLP.

 

 

Any advice would be great.

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Hi

 

You obviously recognise the cash genie debt , do you agree with the amount etc

 

Have you been sent a notice of assignment by MMF

 

MMF really are a pretty awful company, if all you have been getting are emails , count yourself lucky . If they have been bombarding you with phone calls you can get that stoped.

 

I know its hard but at this point i would ignore them.

Any opinion I give is from personal experience .

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I've only ever been sent one letter by MMF, and this just replicated what the emails say. Such as "50% off your current balance"

 

I've had 4 emails and one letter. Nothing else. No phone calls.

 

I don't know whether to do something now they've put "refer your account to Moriarty Law LLP."

 

I've not been proactive, as when I've read these threads before the advise has been to ignore these emails.

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Moriarty Law LLP. are nasty pieces of work. Saying that with Motormouth they do not normally do court so more than likely a threat.

 

The majority of accounts motormouth has are BS and they are hardly ever known to litigate for this reason. They specialise in payday loans and the original creditors do not like airing their dirty laundry. As in terms and conditions.

 

Only you can make that choice but in your position i would ignore, but only you can make that decision

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