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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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47K Unsecured debt advice


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Hi all,

 

Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland.

 

I have accrued around 47k of unsecured debt among six creditors in the UK.

 

1 Ratesetter £23.8k P2P loan

2 Barclaycard CC £4.9K

3 Tesco Bank CC £5.9k

4 Virgin Money CC £6.2k

5 Hitachi deferred payment £4.5K

6 V12 Secure Trust Bank £1.8K

 

I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I wish to protect.

 

While this is the formal way of things I thought I could perhaps try the informal route first and doing a self managed DMP with it being more flexible and being able to pay off creditors with lump sums if I can get some overtime built up.

 

I filled out my income/expenditure sheet and included this in a letter to each of my creditors explaining I can no longer service my debts and included a revised payment amount (pro rata of £585 surplus). The letters were sent 1st class recorded signed for. All direct debits have been cancelled today also.

 

I assume it is now just a waiting game for their responses? I reckon they will more than likely reject especially Ratesetter - this is the debt I am most worried about as it's a high amount and essentially other peoples money.

 

Am I doing the right thing here? Should I just be going straight for the DPP to save any court cases?

 

Any help or advice on the matter is greatly appreciated.

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none are secured on your property?

when did you take them out

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 none are secured against my property.

I don't recall the exact dates however;

 

Ratesetter feb/March 2016

Tesco CC sometime around 2012

Hitachi deferred payment September/Oct 2015

Virgin CC summer 2016

Barclays summer 2016

V12 April 2016

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In Scotland there is a network of legal/debt advice centres with experts on Scottish law. You might want to see what you can find out locally, to see what you can do. They will want to see your finance agreements. Then at least you will know more and be informed about decisions you may take.

 

Stepchange as the major debt charity are recognised by finance companies, so you are more likely to be taken seriously. If you try to do it yourself, then they might not be as helpful.

 

These are all recent debts, so not much scope for ways to deal with them. If there is a temporary financial problem, then best to agree to some repayment arrangement based on affordability, where they freeze interest/stop adding charges. Then see how it goes and make decisions when you need to. At some point, if you cannot repay, then presumably they can try to obtain a charge against your property.

We could do with some help from you.

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ouch all recent then.

 

where that £25k all gone in 6mts?

 

nationaldebtline & their website is good on Scottish stuff and they are impartial.

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 honestly wish I knew.

For the most part the loan paid some things off while,

I needed new windows put in,

had massive problems with my car at the time,

so paid off the existing finance and got shot of it,

had some large vet bills as well and had relied on credit a few times to get me through the months.

 

Silly,

but what is done is done and I have unfortunately learned the hard way.

I am committed now to getting myself out of the mess I'm in so will attempt the self managed side of it.

Thank you for your replies.

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Are there ANY other creditors which should be included?

 

Generally speaking, every organisation you owe money to should be included when you are trying to make pro rata payments from your "disposable income".

 

For example, you shouldnt be paying 1creditor in full if others are being asked to accept reduced payments.

 

Is this a temporary situation or is this how things are for the foreseeable future?

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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  • 1 year later...

Hi All,

 

I like many others got myself into a bad situation and had the oh bum moment around two years ago.

I sought help and almost entered into a DAS (Debt Arrangement Scheme which is a formal Scottish debt solution) but decided against it and went for a self managed DMP first.

Safe to say I'm glad I did so far.

 

Going forward I'd like to be rid of this burden as soon as possible so I can begin to move on with my life so looking for any advice going forward.

 

I had multiple creditors, one was my mortgage, one was my car, the rest were unsecured credit agreements, cc's and a loan.

 

I stayed up to date with one credit card, my mortgage and my car.

The rest I stopped paying and allowed them to go into default etc. and set up payment plans

In December I plan to clear my up to date credit card balance which will leave me with the car and mortgage still active and the following in default;

 

Tesco CC - default still with Tesco.

Barclay Card CC - default, sold to PRA group.

Virgin CC - default, sold to Cabot. They have previously offered to settle for 60% twice.

Hitachi Loan - Late Payment, sold to Lowell (Hitachi never defaulted prior to selling)

Ratesetter Loan - Default, Scott and Mears acting on behalf of OC. This is the youngest default at June 2017 they took their time to default.

 

These are all "recent" debts taken out after 2012.

Best to carry on with the DMP and saving up for a hopeful full and final or should be I sending any particular letters to the DCA's?

 

Thanks in advance!

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Have you CCA'd them?

 

PRA cabot dont chase legit debts. Lowell are very shady and theres usually something wrong with the debts.

 

CCA everything and also SAR the OC's so you can see exactly what youre dealing with. Never blindly pay.

 

Also NEVER under any circumstances consider a full and final to a DCA. Especially when you havent checked the debts validity.

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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always CCA. Doesnt matter if its recent or not.

 

And yes, sar the OC's, including the ones that havent been sold on. You want to know everything about your debts before you start arranging payment plans

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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For the ones that have been sold on, do you CCA the original creditors as well as the DCA's?

 

Should I be cancelling the payment plans that have been in place for the last year and a half prior to sending these?

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CCA everyone. Keep payment plans in place until they default on your CCA request. They get 12+2 working days to comply. The day it expires, if they havent fully complied, you stop payments until they do. ESPECIALLY if those payment plans are with DCA's who will NEVER have any paperwork or info for the debt unless you specifically request it.

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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Be aware that the paperwork they send may very well be compliant, but its a very good idea to get as much info on the debts as possible so you can decide on your next move.

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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ive merged an old thread and this op is in Scotland so remains in the Scotland forum .

 

go get your credit file.

lets see what damage is done

like defaulted dates please.

 

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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Hi dx100uk,

 

 

1 Ratesetter (Scott Mears acting on behalf) default date: March 2017.

2 Barclaycard CC (Sold to PRA Group) default date: Feb 2017.

3 Tesco CC (Not sold or passed on, in-house collections) default date: Jan 2017.

4 Virgin Money (Sold to Cabot) default date: June 2017.

5 Hitachi (Sold to Lowell) No default date, late payment markers only, around Jan-March 2017

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ratesetter was a form of PDL was it not...irresponsible lending complaint time?

 

as for the other yep 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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Ratesetter was a Peer to Peer loan so don't think I have grounds for irresponsible lending.

 

 

Great, I'll draft up some letters tonight to get posted Monday/Tuesday. Is the below template still the go to? Send recorded with a crossed postal order enclosed?

 

 

[removed - dx]

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what does the top red line say?

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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Sorry, that particular line doesn't show up on the mobile browser very well - found it on the laptop.

 

 

Amended the template to suit and printed off the CCA letters ready to post tomorrow. In terms of the Ratesetter loan, do I send the CCA to the debt collector acting on behalf of Ratesetter or to Ratesetter directly?

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you send it to the DCA's stated client.

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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Thats because they rarely ever are able to obtain the paperwork. Also it shows that they , and other DCA's chase people without even having the paperwork needed to do so.

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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