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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. 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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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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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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Quarterly statment recieved today

 

On the first page arrears balance 537.81 61.60 less than what came out yesterday dated 2 days before this one.

 

But they are claiming on this that Nov,dec,jan were missed at 231. Which doesn’t add up considering Nov payment was supposed to be only 74.83 😂

Prime 15th Jan 19.pdf

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sorry not had much time

i'll try over the W/End.

 

one point on whatever letter.

it should be headed, I do not acknowledge any debt to you or your agents.

 

 

I don't think we can link the two halves...old charges etc not subject to this later half of loans can't be be used, sadly I cant see anyone agreeing that because welcome owed you more at the point of the 2nd half, than what the 2nd loan was for, they should not have loaned to you = IRL.

 

however, my thoughts are still very much with IRL playing the major part here, whichever way you switch it out, the 2nd series of loans WAS very irresponsible lending by welcome.

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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DMS Debt collectors are out. Haven’t been to mine went to ex’s on mon now I’ve just been given letter.

 

I think it’s time for a letter now as they already know damn well where I live so why send them to other adresss? Still no response to Nov letter. Cheek of these is unreal.

 

Excel started this time last year too. And although these are 2 different company’s with 2 different adressses the agents name and contact no is same on DMS as excels.

 

Prime have also written again 7 days after last one. Now things are starting to follow the same pattern as this time last year..

 

What route do I go now now?

 

And also they clearly say on debt collection letter Lender is Prime Credit 5 .

 

It’s Alpha credit solutions 4 sarl named on the LR title deeds.

Alpha 22nd Jan 19.pdf

DMS 20th Jan 19.pdf

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haha powerless debt collector

that's interesting that means that they don't think they have a strong enough case to goto court again..

urm...

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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oh and they cant charge a bean..to your account either

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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What do I do?? You said this jan 2017 and within 2 months court was issued

 

 

one point on whatever letter.

it should be headed, I do not acknowledge any debt to you or your agents

 

How can I write this with the 2 year saga that’s been going on?

 

You have recently tried to contact me regarding the account with the above reference number which you claim is owed by myself. Using DMS Debt Management Services Limited. At an old address of xxxxxxxx which you are fully aware that I have not lived at since Jan 2014.

 

I have no knowledge of any such debt being owed to Prime Credit 5.

 

I have familiarised myself with the Financial Conduct Authority (FCA) consumer credit sourcebook which states the following rules.

 

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

 

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

 

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

 

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question..

 

I politely request you only contact me at the correspondence address you already have on file for me. Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date.

 

Taking the above into account I would also like to bring to your attention my last letter dated 8/11/18. Which you have failed to respond to. This is yet another letter added to a long list which you are failing to address my issues or even provide some clarity on the situation. For ref after the last court hearing these letters are dated 19/07/, 05/09 and 10/10/2018.

 

 

Should it be your intention to arrange a doorstep visit, please be advised that according to the Financial Conduct Authority's consumer credit sourcebook it is an unfair and improper business practice to make such threats.

 

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Edited by dx100uk
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dump the last 2 sentences of your letter , don't play freeman of the land with them.

 

however I would add that ……

 

you do not require any financial advise and do not consent to any charges of any amount in relation to the advisors visit whether made or not.

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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yes keep the dispute line running..

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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Letter sent to debt collectors informing them that both them and their clients prime know where I live. So any contact to be made at correct address.

 

2 letters off to prime.

 

1 dispute letter re debt collectors and another about their failure to respond to my letters and just once again outlining their balance is still incorrect after they removed the ppi credit.

 

As there’s further Ppi in this loan and due to dispute and unfair relationship which has resulted in balance and that there are more fees and interest that need removing too.

 

I’ve also made a point of saying that their monthly repayments are wrong as these take into accoubt interest and ppi.

 

Once everything is removed the outstanding balance if any should be divided by the months remaining of the term.

 

No second guesses to what their response will be. Zilch as per...

 

But give it 6 weeks and I’m putting money on they issue court mid March!!!

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dump the last 2 sentences of your letter , don't play freeman of the land with them.

 

however I would add that ……

 

you do not require any financial advise and do not consent to any charges of any amount in relation to the advisors visit whether made or not.

 

That letter with the last 2 lines I had off here https://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-**Update-21st-April-2014**&p=4384084#post4384084

 

i didn’t put them in though

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  • 2 weeks later...

At last a reply off this bunch.

 

They ain’t got any idea what they are saying or doing.

 

They reckon I emailed them on the 6th Feb I have never contacted them this way. However they signed for my last letter on the 31st jan according to track and trace.

 

Laughable they really are.... The plot thickens 😂😂

D010A773-C7BB-4D36-9D57-3CA9CA6F6739.jpeg

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  • 3 weeks later...

Had a usual monthly letter. Wording is very different to others... having a problem uploading docs. 

Getting this message  You have used 116.36 MB of your 48.83 MB attachment limit.

cant find where to delete anything or upload new stuff no got to advanced anymore??? 
  

 

 

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Click your name  top right...drop down.....My Attachments

We could do with some help from you.

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48Mb..you.ll be well over that.yours needs to be upped for you

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

just a std letter really cruz

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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std pc autogenerated CRAP IN THE WORDS OF JUST ABOUT EVERYOTHER lIKE LETTER FROM OTHER DCA'S/CREDITORs.

FACT IS 

THEY DONT KNOW WHAT THEY ARE DOING

SIMPLY FOLLOWING what they've read on the internet 

sri caps

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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  • 4 weeks later...
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