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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 that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.  
    • 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!
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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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?/? oridinary Cause Summons - credit card debt


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Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland

Many thanks

Tom

Edited by Stanthe
Forgot to say I'm in Scotland
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It would help if you provide date and more details, like when did you last make a payment and things like that. Some history for the debt would help to advise you better...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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no. in simple terms.

 

there were a few agreements that used to fall into this.

 

read the thread multiple agreements.

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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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

If the account was opened pre april 2007, yes. After, all they need is a reconstituted agreement that complies with regulation.

 

Post 2007 it all depends on the judge in court whether he accepts if it is valid or not though.

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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I received a statement of account from a dca in

March and they have the original creditor and account number as the company that purchased the card in 2011 and the there's no word of the original creditor I still have the original card from Nov 2006

Edited by Stanthe
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urm..you look at your agreement p'haps?

but its very rare on a credit card as the PPI is specifically monthly not a lump sum at the start.

 

 

so whats your issue with the credit card?

cant pay it or after reclaiming the PPI

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

tell us about the debt rather than starting random threads with random questions.

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

it this to do with your other thread too same debt?

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 don't need too

tell us about the debt

is this a simple procedure claim or a ordinary Cause claim

is this about this credit card you are asking about elsewhere

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

are all your threads to do with the Scottish claim you have please

nothing wrong with the statements.

the debt has been sold

 

 

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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Dx (very reasonably) noted:

tell us about the debt rather than starting random threads with random questions.

 

Shortly after, the OP asks

 

So what would your thoughts be on the statement info?

 

What about the statement info?. Thoughts on what aspect of it?.

 

dx has asked for relevant background, and instead of giving the background, you are asking a question so vague as to be pretty pointless.

If you want help, help people to help you.

 

You seem to have 3 threads running, all started today. Are they all about the same alleged debt?

This thread,

http://www.consumeractiongroup.co.uk/forum/showthread.php?479222-Ppi-missold-makes-credit-card-debt-unenforceable&p=5041846#post5041846

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479219-Looking-for-Help-with-citation-for-credit-card-debt&p=5041826#post5041826

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we don't know weve not seen it!!

 

whats false about it??

 

is this to do with your Scottish citation?

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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The statement gives false information does it not?

 

Definitely, if they haven't been sold the debt, but then claim they own it rather than acting for the creditor.

Possibly, if they have been sold the debt, but haven't followed the correct process.

No, if they have been sold the debt and have followed the correct process.

 

Not the world's most useful answer, I grant you, but it is correct. It'd be more use if you stopped posting one line questions devoid of context, and started to to help people help you.....

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no ALL issues with a debt should be under ONE THREAD

so are ALL your threads to do with the fact you've received a Scottish claim on the card

and you are looking for ways to defend it?

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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If you care to look at my previous post above they have listed the company that purchased the debt in 2011 as the original creditor and account number this comment was to dx100

Edited by Stanthe
Hello
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