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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Lloyds TSB v mav777


mav777
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because no one has posted on it for the last 1964 days.

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Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Thanks

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No cca is no pay

You should have stopped paying years ago

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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ok ive found and merged that old thread here for you.

 

next time they ring tell then writing ONLY put the phone down

you should NEVER talk on the phone to a fleecing DCA

don't forget its coming upto xmas and they need mugs to blindly pay them free money to their pocket so they can fund the company xmas do.

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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Hi dx,

 

As always you are great at helping I appreciate it.

 

What do you think my next step should be?

They've asked me to get in touch, they are sending letters care of to my mothers and have said they are going to do a track and trace on me if I don't give them my current address.

 

So far they haven't provided me with any CCA and seeing that nothing was in writing as far as I can remember regarding payment and that my sister was paying would this exclude me from the time period of being taken to court for ccjs or for them to attempt to change the debts to secured in court?

 

Many thanks

Edited by dx100uk
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Which debt have they written about

They cant lump together all 3

 

Are any of the letters titled letter of/before claim?

If not pers id ignore them

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'm unsure what they have sent to my old address to be honest?

 

They then basically phoned and since then I've had two letters.

 

One which says my account has been passed to the sensitive care department regarding the 2k+ debt which I believe was the credit card and the other is a breakdown of payments made through the standing order for the 4k+ which I think was the overdraft.

 

So possibly they are not chasing the loan, I did at the time ask them to please not add interest due tot my circumstances buy in all honesty I couldn't tell you if those figures are right or not.

 

Ok just checked now

 

And the second letter says

 

Original lender Lloyd's

Date the agreement became an executed agreement 27th August 2007

Account type unsecured loan

Duration 60 months

Amount of credit £0.00

Contractual payment £0.00

Date assigned 20th October 2012

 

Statement of account

 

Following is a statement of your account covering 1st November 2017 to 1st October 2018

 

In this statement we give the date and duration of your agreement as provided in the agreement.

 

Then it shows a list if the £1 payments

 

On the back it says with headings

 

Settling your credit agreement early

Info etc etc

 

Paying less than agreed sum

Info etc etc

 

Dispute resolution

Info etc etc

 

More information

Info etc etc

 

Contacting Cabot

Info etc etc

 

Making a payment

Info etc etc

 

So are they telling me there made their own credit agreement??

 

Any help appreciated as I'm at a loss

 

Thanks

Mav

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when you get all the letters

scan them up to one multipage PDF

read upload

 

you seriously should have stopped payments years ago.

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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Hi DX

 

Do you mean as I was paying they've got me by the balls or do you mean I've wasted money by paying them?

 

It was my sister who was paying them also by the way.

 

I'll def scan as soon as I get then all cheers

Edited by dx100uk
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pitfall is it runs the statute barred clock till you stop.

 

lets get the info, as it was your sister it could be deemed as authorised by you.

 

as for good or bad well we need the info

it might pay you to SAR lloyds too get everything they hold on you,.

 

if I guess right cabot are only chasing the loan? this is what your sister has been paying off to cabot?

and they didn't have a CCA before?

when was the last time you sent them a CCA request?

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

Ok, starting to panic now lol.

Nothing was ever agreed, my sister took control to alleviate stress mainly.

 

The debt was first with Lloyd's at around 4,700, its changed since then to around 4,300. Lloyd's then sold to BLS.

 

Then BLS sold to Cabot.

 

I think Cabot are chasing credit card and loan,

I asked for a CCA back in 2010 and they didn't have anything and replied in writing to say this something along the lines of we cannot retrieve a CCA but you're still held responsible for the debt and should pay it but we cannot enforce it in court.

 

I'll try and get what I have and scan in next week was also going to possibly speak to debt line regarding statute barred.

I'll have to sort SAR with Lloyd's too and possibly Cabot?

 

Cheers

Mav

Edited by dx100uk
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just type no need to keep hitting 'reply with quote'

makes a thread twice as long.

 

no you don't need to talk to anyone regarding the SB status leave it be for now

if you go back and read your thread from post 1

you'll see you've already been told BLS were the in-house fake DCA of Lloyds, the debt wasn't sold anywhere.

 

sorry but back in the day you should have been told to stop paying, but there you go, diff thoughts then but some that for one reason or another are no longer here or on the siteteam.

 

not a thing to start panicking about...and what are you panicking about any...

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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Ok thanks DX, I will go with what you think is best.

 

Just worrying about bailiffs, - bailiffs can only come AFTER you lose in court, fail to pay in 28days and the judge allows it and even then they'll be court bailiffs not the lot you see on TV ...and there no forced entry on consumer credit debts anyway....

 

them trying to make debt secure,- they have to win a CCJ first...fat chance!!

ccjs etc as above...

and the fact that I'm pretty skint at the moment...

 

 

god you are green for someone that been here 7yrs

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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  • 3 weeks later...

Hi dx100uk

 

No not really green just been through a lot last 15 years mate which I cant go into.

 

They've written again and are asking about my circumstances and for me to call them to discuss.

I wrote them an email asking for a SAR and the CCA for all debts, they replied saying that they require proof for the sars i.e driving license etc, am I ok to send these if they have address and signature?

 

also I asked them to correspond solely by email but they are still writing.

 

Ive now spoken to my sister and it seems she is paying Westcott and BS twice, but the debts were sold years ago to these so do they really have a case?

 

 

Cheers Mav

Edited by dx100uk
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please don't use email.

WRITE

send them a CCA request as necessary

and an sar to the ORIGINAL CREDITOR

INC a copy of your ctax bill.with any SAR.

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

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