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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. 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***


cruzhughes
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good I'm glad I wasn't having a mental lapse.

 

so now you can complain to the FOS that the new owner is refusing to carry out an IRL investigation

ref you old case number

 

should be interesting...

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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Just a thought i is it true the FOS don’t deal with complaints that have been subject to legal action?

 

The repossession was a legal action but what about the IR compliant will it be dealt with as a separate issue?

 

I’m going through things that I need to be sending them and they all mention court action due to repossession.

 

So I’m just wondering where I stand here

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It’s the 30th tomorrow so that’s d day for an arrangement to be in place by. I haven’t made one. So initial payment is due anytime as nothing in place. I wonder if excel will be paying me another visit next week..

 

Not received any statement or requests for payment.

 

Fos complaint done last week. Waiting game now here.

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Fos have replied. Sent me a Ppi form to fill in against welcome for some unknown reason. Explained the Ppi aspect was sorted by fscs. And that that is irresponsible lending claim against new owners as any balance is due to all penalty fees and the IR. explained all this on the complaint form last week.

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it MIGHT snow on Christmas day too

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

Not very good news with the FOS regarding the IR complaint here’s the email I’ve just received

 

Thank you for your email.

 

It doesn’t look like Prime Credit or Alpha Credit are businesses registered with the FCA. That being the case it doesn’t look like we can consider a complaint against either of these businesses.

 

As you know, we have previously told you why we cannot consider a complaint against Welcome.

 

If you wish to respond, please ensure you respond to our [email protected] address.

 

Where and what now?

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no not unregulated

 

not businesses registered with the FCA

 

then how can they litigate at all?

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

is there an FCA number on the footer of any letters from prime/alpha etc?

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

No. But I’ve just come home to another letter from prime dates the day before solicitors letter. Look right at the bottom.

Your loan is administered by acenden on behalf of creditor acenden is authorised and regulated by FCA

 

What are you getting at here dx

Prime 11th Dec.pdf

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now why didn't we spot that before

 

time to start an FOS complaint against acenden then.

they are registered.

 

as far as i'm aware

I could be wrong

but me thinks whomever is taking you to court must by registered with the FCA to carry out financial things in the UK?

 

andy if you see this

your thoughts?

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 what if I do a direct email back to the fos from the one I’ve just received explaining that acenden are the ones administering and to take everything I’ve put to them against Prime aim at acenden.

 

That may save time starting from scratch with the Fos. They already have everything re prime complaint

 

I did mention to you before that they were same address I found it on google

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why not

point to what you have discovered.

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

Here you go

 

Found this link online https://primecredit.webcustomerportal.com/welcome/primecredit. Have a guess what company administers my Morgage

 

why not

point to what you have discovered.

 

Email will go to Fos this weekend

 

Also to clairfy on court docs only prime/alpha are named on them not acenden

 

Any advice or help from Andy dx??

 

Going to send this to Fos. Is it ok??

 

I have just found this out it’s on the footer of every correspondence from Prime you also l have copies of these.

 

Your loan is administered by acenden on behalf of creditor Prime Credit 5 S.à.r.l. or Alpha Credit Solutions 4 S.a.r.l.

 

Acenden limited is authorised and regulated by FCA. And covered by FOS.

 

https://primecredit.webcustomerportal.com/welcome/primecredit

 

Am wondering could you help now? And continue this complaint with Acenden?

 

Every letter I’ve sent has been addressed to prime but it’s exactly same address as Acenden.

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certainly

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

my thoughts run with i'd let a judge decide that...IF it ever got that far.

 

as acenden are operating for 'their overseas client' I expet they'll know pretty quickly.

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

andy you seen this

they've issued a notice of restored hearing

are companies not registered in this conntry allowed to do this?

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

Any updates from Andy regarding this Dx?

 

What am I to prepare and have I got to send anyone anything.

 

Just had reply from FOS

Thank you for your email.

 

I have looked into complaining against Acenden as well as Prime Credit and Alpha Credit and even though they are regulated by the FCA and the Financial Ombudsman Service, they became regulated after you took out the loan with them in 2001. It is on this basis that we can’t bring your complaint against the business as it is out of jurisdiction.

 

I know that this is frustrating but if there are any other documents relating to your complaint that include other companies, please send those documents to us and we can look into bringing your complaint against them.

 

If you have any questions please get in touch with us.

 

Yours sincerely

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