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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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Moorcroft and RBS credit card debt


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It's 12 years old, but is it out of time? When did you last make a payment or acknowledge the debt?

 

What does the debt relate to? Loan or overdraft?

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Dont send a CCA Moorcroft they are just trying to collect......if you have not sent RBS a CCA previously then yes.

 

Andy

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Looks like I first defaulted in 2006.

 

 

I paid RBS £10 a month for a couple of months in 2008,

then I did make some payments to Experto Credite from 2012

but they've gone bust so I stopped last October.

 

Shall I CCA RBS to see what comes back?

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Already answered above.

 

Andy

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If I send a CCA to RBS what's the chances of them having the correct paperwork?

 

:madgrin: And next weeks winning lottery numbers are ...........

 

 

Andy

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  • 1 month later...
I sent Moorcroft a CCA request and they've returned it saying it must be hand signed. I know this is rubbish but how do I respond?

 

Send it back signed....but not with your usual signature....they dont know.

 

Andy

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Not that we know of..but Im sure good reputable DCAs would not stoop to falsifying evidence:wink:

We could do with some help from you.

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sar to rbs might not be a bad idea

get all the statements

 

 

ensure your payments have been getting to 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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cca request should have gone to rbs

we told you to ignore Moorcroft..

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

you follow the cca request instructions.

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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Well you did send it to a powerless dca

This time you are not.

 

You do not sign it

Send to the oc

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 did and it says no need to sign. DCA says it needs signing according to data protection laws.

 

Hence why I'm asking, who is correct?

as per #10

just sign it, perhaps with a v slight variation. saves all the palaver :)

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  • 1 month later...

I sent the CCA to RBS on 19th May, they received it on 22 May.

 

I have received a response today from RBS on 12th June which was posted on 8th June.

 

They have sent me:

 

A signed copy of my credit agreement from 1997

T's & C's for the 1997 agreement.

A current statement of the account.

A letter you usually get with a replacement credit card?

 

1. The response was late.

2. The account number they're quoting on their letters, current statement and replacement credit card letter does not match the original credit agreement.

 

What do I do now?

 

Does the credit agreement number need to be the same as the current account number? I'm guessing the actual credit card this refers to changes over time. So should a new credit agreement be signed with every new card?

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nope no need for a new agreement everytime

 

 

so looks like they have complied.

as typically do OC's when they still own a debt

 

 

sar will be your next route to see if you have any PPI or penalties to use as bait to short settle?

 

 

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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Share on other sites

"2. The account number they're quoting on their letters, current statement and replacement credit card letter does not match the original credit agreement.

 

What do I do now?

 

Does the credit agreement number need to be the same as the current account number? I'm guessing the actual credit card this refers to changes over time. So should a new credit agreement be signed with every new card? "

 

Current Account number ? Changes ? New Replacement Card ?

 

Im lost now ...what is this actual debt for ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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The debt is a Credit card.

 

I'll reword "Current" account number - The "latest" account number.

 

The Credit Agreement they sent has a different account number listed to the account number they are now quoting.

 

They also sent a cover letter which you usually get with a replacement credit card and this has the new account number listed.

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