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    • Yep, I agree with what you are saying, I only mentioned the governing body code of practice as a nod to the fact that I wasn't dismissing the BPA or whoever out of hand, thought that would go in my favour before a judge. I wrote a long post about the BPA CoP earlier but then deleted it because I realised I wasn't talking about points of law but a set of guidelines drawn up by one bunch of charlatans for another bunch of charlatans. It is ludicrous that the 5 minute consideration period doesn't apply if the motorist parks, such nonsense. As for legislation, I was referring to the government legislation (if it is legislation?) document which has been withdrawn. Does that stand until it has been reintroduced? In the explanatory document it is quite clear. Otherwise, how does one hold them to the consideration and grace periods? Or is that at the discretion of the judge?
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    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
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PRA/Broadies Oridinary Cause claim - old MBNA credit card


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Hi,

i took out an mbna card in around 2002 (unsure of exact year)

i was made redundant and ran up debts,

on returning to employment i started to pay them off for many years,

 

however the interest rates kept going up and eventually (aug 2012) i just stopped paying completely,

 

initially i intended to enter into a debt arrangement scheme but mental health issues and anxiety/stress meant i just started to ignore it!

I have ignored this situation for almost 5 years

 

Recently found out that after 5 years its unenforceable.

ive been praying that it would get to that point to relieve this stress

 

Balance is sitting at around £8.5k

I have always had PPI on this card

 

I phoned broadies on receipt of the letter to request a CCA which they said they'd send.

 

I have not received anything,

does anyone have any advice,

 

ive no idea what to do next?

im scared they dont send any on for

because it was done via phone,

 

should i email them?

 

just checked and my first month of not paying was august 2012, last recorded payment was july 2012

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Are you in Scotland?

If so then yes it's SB after 5 years, otherwise its six years.

 

Is it these guys chasing? http://www.brodies.com/legal-services

 

First thing is to STOP discussing financial matters over the phone.

 

What did they send you?

 

You need to send them a CCA request in writing, not verbally.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hi, yes I am in scotland,

yes thats the company chasing.

 

I said on the phone i wasn't convinced the debt was mine and could they send a cca

 

they said yes very quickly

im just worried they'll deny the conversation.

 

Can i email the request?

 

they sent me a letter saying PRA had instructed them to contact me and i had until June 2nd to pay otherwise they may start legal proceedings

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Fleecers just like Nolan's

 

Send PRA a CCA request

And stay off that phone!!

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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no don't waste money

you an get free proof of posting at the PO counter

when you get the postal odder

 

 

print the CCA off

pop it in the env

then when you get to the PO get the postal order

pop it in

seal it

hand it back and get free proof of posting.

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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Thank you so much!

 

sorry to keep asking questions,

should i cc brodies?

how will they know ive asked for cca?

 

im worried they commence court action or claim they dont know?

 

I read about a SAR too?

 

should i send one of those to MBNA now?

 

again, many thanks

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I know you are green so i'll fill you in till you take time to read around.

 

a DCA is NOT A BAILIFF

they have NO SUCH LEGAL POWERS

and broadies act for THEIR CLIENT and do as they say

only the OWNER of a debt can instigate court.

 

they [or more correctly the same printer the other PRA threat-o-grams came from]

simple click the differing letterhead to use because you are in Scotland and they use their fake/tame solicitors letter template for this end of the world

 

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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  • 5 weeks later...

I've got a copy of my cca from Brodie's and a statement. Last payment was 18th July 2012 they have asked for a response of my position by 6th July 2017

"

Please see attached the copy of your agreement and the statements of account, as per your request.

 

Now that this has been provided it is important that you provide an update on your position by close of business 6th July 2017, as failure to do so may lead to further action being taken without prior notice.

 

Regards,"

 

Not sure how to attach cca docs

 

Here is my cca

IMG_2107.jpg

IMG_2108.jpg

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upload

but anyway

that's an application form

and where are the relevant T&C's?

 

sb 'd on the 18th july anyway.

 

ps you don't need to pm .we get alerts when you post as you do when we post

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 im over enthusiastic and panicky!!

 

worried they'll start a court claim on 6th which it won't be statute barred by then?

I didn't send an official cca request just emailed them

Asking for it.

 

 

should I send one on the 5th?

That way they won't be able to issue court proceedings till they've sent it will they?

Which would take me past the 18th?

Btw that was the whole document

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no they have to give 14 notice under Pre action protocols.

 

its will waving stop panicking

 

its better we SEE these letters than you type them up

scan to ONE PDF PLEASE

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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Ha ha ha, excellent, these clowns are more nervous than you, this is why they are sending you rubbish application forms, and hoping you'll cough up!

 

There are no T&C's, it's an application form, means nowt. They're panicking.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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time to get reclaiming from MBNA then!

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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nothing to do with pra its reclaimed from 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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  • 3 months later...

Court letter today from Brodies - freaking out!

 

Phoned them to say it was statute barred and they said default wasn’t served till March 18 (correct) so it’s not

- I said according to Sse last payment was 18th July 2012 so statute barred.

 

They are “looking into it”and will phone me back!

 

Panicking massively

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what do you mean court letter?

bet it doesn't say will anything..

read it properly..

 

you should never ever ring a dca or their dogs!

they are not bailiffs!!!

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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It’s an actual letter from the court I’ll upload!

 

https://www.convert-jpg-to-pdf.net/files/sr6132np0h9ukp0hfnn4ecacf3/convert-jpg-to-pdf.net_2017-10-27_15-21-39.pdf

 

I’ve uploaded it last page first

 

Strugling to upload it,

 

they called me back and are saying as default notice wasnt served until march 2013 thats the default date so i can either agree a settlement or they wiill go to court

 

, I have until 17th November to reply I have Form 05 07 and 03 and a copy of the previous "agreement"

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so you have a simple procedure claim?

 

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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OK easy to do

Don't do anything without asking here FIRST!!

 

It's statute barred so won't go near a court

Let me go off and find a thread exactly the same that's here already that details everything.

 

Wait

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 I’m clearly a gibberish idiot cause I phoned them,

 

they said their position is it’s from the default date,

he then said “it’s at an early stage, would you be looking to settle?”

 

I said “well no cause I don’t agree with the debt”

 

he said they had details of my debt so had enough information to back to their claim

 

I said “it’s not just the total I don’t agree with, there’s other issues” and said “I’ll just contact the debt advisory service” and left the call. I promise faithfully o will not call them again

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