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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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    • We have finally managed to obtain the transcript of this case.

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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WDA/Moorcroft sending someone to my house! Advice needed


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Hello,

 

I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated.

 

Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash

 

. I managed to rack up £50k's of debt and at the time didn't have a secure job.

 

Two years ago after a lot of hard work on myself,

help from family and a years worth of councelling,

I have not gambled,

I've got a permanent job paying a decentish wage

, I've paid off nearly all my debts.

 

one of those who I hadn't yet paid was from a company named wageday advance for£650.

They have since I ignored their threatening letters passed it onto Moorcroft who wrote me a lovely letter saying they will come to visit me at my house in the near future for a chat about it.

 

firstly I have absolutely no desire at all to chat to them about it in my house.

Is there a template to say I do not want them to come to my house?

 

Secondly. They mention a reduced offer as settlement, but didn't say an amount.

 

Now,

I have been on a quest to be debt free since I stopped gambling, and paid back the main people.

 

But I guess I left the payday loans to last simply because I do have quite an angst against them

- they do prey on the vulnerable soley for profit and to the severe detriment of the borroweer.

 

Don't get me wrong,

I take full responsibility for my debts and what I did and have paid some VERY heavy prices

- however, lending at whatever it was 3000%+ without doing any checks to someone who is essentially not well is in my mind criminal!

 

However, my mind doesn't really come into play here, it's what the law says that counts.

Is there any legislation about responsible lending that these companies should have adhered too?

Can you even fight them on these grounds?

 

What would be a reasonable lump sum final offer for a £650 debt? If I did just want to get rid of it?

 

Thank you so much for reading.

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They wont send anyone. And if they are stupid enough to, they have no legal rights, so you can inore them or call 101 and tell the police someone is harassing you.

 

Dont be intimidated by them. Stand your ground. You can certainly challenge them for irresposible lending. Youve been on this site for 10 years now, so you know how DCA's operate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore

DCA's have no legal powers whatsoever

They are not bailiffs

 

If some does appear

Tell them to leave or you,ii call101

 

Don't send any silly letters

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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