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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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DCA continue to chase "debt" after losing in Court


ITmanrichard
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Good morning everyone!

 

I wonder if anyone could kindly give me someadvice for my next move:

Barclaycard refused my wife PPI when she was hospitalised in 2011 saying she didn’t have a policy.

 

In 2013 we found out she DID have PPI,

so of course setabout claiming it back,

and finding out why we weren’t given the opportunity toclaim.

 

Barclaycard made it clear,

that any payments would payoff the balance on the account (£8K) and that the account would be closed.

 

 

During this time we negotiated a reduced monthly rate of paying the account,

infact this was by continuous payment authority on a Debit Card,

so the account was being paid.

 

My wife was offered £11k initially, but we negotiated because of their many errors and got £15K.

 

So they actually paid £7k to my wife after clearing the account.

 

The PPI claim was ongoing from Dec 2012 to August 2013.

 

 

in June 2013 without anyone being aware (even the PPI department),

a different Barclaycard department sold the debt of £8k on the account to a DCA

 

 

At the same time they put a default on my wife’s credit file?

 

Then the DCA put a second default on my wife’s creditfile and Experian have told us it is impossible to have 2 defaults for the samedebt, but yet they are still there?

 

We explained the situation to the DCA who refused to believe us,

we told them the debt was cleared and the fault lay with Barclaycard.

 

 

We explained this to Barclaycard who did the same and wouldn’t listen.

We even had the final offer letter from Barclaycard that stated that the account would be Paid Off before we got the balance.

And of course we have bank statements showing the Award minus Debt = balance going in to my wife’saccount.

 

DCA (who have their own in house solicitors) have taken my wife to Court.

We have counter claimed, only for a maximum £500 to keep down our costs.

 

 

We figured we would deal with DCA then take Barclaycard to Court.

But one of the questions I want to ask you guys on here is from what I have read,

you can only claim for ACTUAL financial loss and not damages for reputation etc?

Is that correct?

 

And finally I am wondering if I can end this early: DCA (solicitors)have:

 

1. Failed to send in Allocation Questionnaire on time.

 

2. Failed to attend Court for Directions hearing when required to do so on May 5th

 

3. Failed to pay Court Fee ordered to be paid by June 4th

 

4. Failed to file Witness statements by June 9th.

 

In the latter point (4) the Court office made a mistake in not informing them to file papers by the 9th June

(they were told a later date),

 

 

but if they had attended for directions on 5th the Judge gave me the paperwork to take away with me clearly stating filing date:

Both the correct and incorrect paperwork did however both say they should pay hearing fee by the 4th June however.

 

At the Directions hearing the judge said to me that

“he would strike out the claim”,

but that we need our counterclaim following through for costs,

and more importantly to clear my wife’s credit file.

 

 

He also stated that there was a danger that they would just claim again.

 

Does anybody have any further comments to add or advice,

because I think that for a DCA with their own solicitors they need teaching a lesson?

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Hi ITmanrichard and welcome to CAG

 

Has the claim now been formally struck out ? Have you received the General Order to confirm this?

 

Regards

 

Andy

We could do with some help from you.

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No, at the Directions Hearing of 5th May, the judge said he would strike it out, but because we had counter claimed that he would not strike out and he set a date for hearing.

 

He was disgusted at them not turning up, but said that we need our counter claim to proceed not just for costs, but to force them to restore my wifes credit rating.

 

The judge is now blissfully unaware that they have NOT paid the hearing fee. At the hearing on 5th May he gave me papers stating all parties to file witness statements by 9th June.

 

Unfortunately when the court office typed them up and added a hearing date, the office put the papers to be filed 14 days before the hearing, 29th July. In speaking to them they said that they should of followed the judges directions to the letter, and they resent out paperwork stating the correct date of 9th June. The claimant wouldn't of received this until Thursday 5th June, giving them only 2 days to respond, so I am expecting they will object to this.

 

Also if the claimant had attended on May 5th they would of known the correct date!

 

However, all paperwork sent now or before states they should pay the hearing fee by 4th June, which they have not done.

 

My question is I suppose have they done enough "incorrectly" for me to void their witness statements (Indeed can I do this), and force a decision now, or am I going to have to let it go to hearing?

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I would follow the directions of the court and assume its now proceeding...as the debt has been extinguished and your defence stated that you have no worries.

Let them rack further costs up for you to reclaim.

We could do with some help from you.

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Many thanks for the replies Andy

 

Could I just ask - are we correct about what we can claim for? Just ACTUAL losses?

 

It's just disgusting really, for example my wife has been with Volkswagen Audi Finance for 10 years now over 3 cars and has never missed a payment: But if she wanted another car with them at the moment it would probably be refused!

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Well hopefully your counter claim will correct any adverse data.. there has been no loss as yet then no damages are quantifiable.

 

Assuming the counter claim is awarded then her credit history will be restored.

We could do with some help from you.

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  • 3 months later...

Hi everyone, I wonder if anyone could advise me if what I am thinking of doing is correct.

 

 

Wife owes Barclaycard £8 grand, Barclaycard PPI pays her out 11 grand, states in writing all along that they will pay off the Card first, sure enough she is sent £3 grand no problem, bank statement shows money going in.

 

 

At same time, Barclaycard customer services sells debt to legal firm !! We advise debt is paid off, they take no notice. We communicate with them several times they take no notice.

 

 

DCA send out summons November 2013, place default on wife's credit file. We counterclaim for costs etc. We are not legally trained, DCA have in-house legal team.

 

 

They file allocation questionnaire late.

They file court fee late.

They fail to reply to Information request under DPA.

They fail to attend Directions hearing in May 2014.

They fail to send in Witness Statement by June 10th as agreed at Directions Hearing (they weren't there)

Court said "oops Judge made mistake on order they can have till 14 days of hearing

They asked Asked for adjournment till Oct 10th.

They filed Witness statement on 1st October only 10 days before not 14.

Witness statement says we did not contact them at all but we have written evidence we did.

They now adjourned again til Dec 5th.

 

 

All this time my wife has default on credit file we cannot get a mortgage and have missed several opportunities to sell our house. If it lasts until April my wife will not be able to pay the balloon payment on her car, or finance a new one, so she will lose her job having no car.

 

 

My thoughts are to ask the Court that because DCA has not followed Pre action Protocol there witness statement should be stricken from the record, so forcing them to settle before December, remove default as per our counter claim, so my wife can get her life back. If someone could please advise as we are going out of our mind here. Thank you.

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Hi Richard

 

" DCA send out summons November 2013, place default on wife's credit file. We counterclaim for costs etc. We are not legally trained,

 

DCA have in-house legal team." Thats a matter of opnion:madgrin:

 

Did you not defend ? Why have you counter claimed?

 

Regards

 

Andy

We could do with some help from you.

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Thankyou for the rapid replies, we counter-claimed because of the hassle this has caused us with regard to not being able to move house (credit file etc), its just not fair. I would like to claim thousands but I know the court just go on actual financial loss which we cannot quantify more to than £300-400.

 

 

Everything they send us is marked from "senior litigant".

 

 

The last adjournment is indirectly our fault: we asked the court last Friday if I could attend in my wife's place on Oct 10th sooner than postpone again, as my wife is a teacher and she has realised that she is away with her class next week on a residential trip. As the form teacher she is expected to attend. We didn't want it taking any longer, but the court refused and postponed it anyway which is exactly what we didn't want.

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"At same time, Barclaycard customer services sells debt to legal firm !! We advise debt is paid off, they take no notice. We communicate with them several times they take no notice."

 

 

That's our defence Andy, Barclaycard customer services sold a debt that was in the process of being paid off by another Barclaycard department: We were only sent the balance so Barclaycard still have the £8 k. The DCA purchased a debt that doesn't exist.

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"At same time, Barclaycard customer services sells debt to legal firm !! We advise debt is paid off, they take no notice. We communicate with them several times they take no notice."

 

Oh dear....wish you had found us earlier....what are your particulars of counter claim?

We could do with some help from you.

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1. Our PPI application makes note of the fact that we had contacted Barclaycard, they informed us that any PPI gained would firstly be applied to the Card Account Balance. We acknowledged that we were OK with this.

 

2. After having told in 2011 we had NO PPI we complained. In 2012 Barclaycard refused our PPI request, but in doing so acknowledged we did have PPI all along.

 

3. In 2013 we complained again, and this time won our case. Our acceptance letter from Barclaycard stated that "any monies listed below would firstly be used to clear the account and the account would be closed.

 

4. We were send 3k out of the 11k listed on the letter, 8k being withheld by Barclaycard.

 

5. Only a month later we were contacted by DCA saying they had purchased the Barclaycard "debt".

 

6. Arguments ensued between us and Barclaycard, and us and the DCA. Barclaycard PPI said they would sort it out and reclaim the Debt from the DCA which could be done in "exceptional circumstances" but they never did.

 

7. DCA placed default on wife's credit file, this is why we are counterclaiming.

 

8. DCA insists we have "never" contacted them" yet we have details of all our contact including a letter sent from them which infers we had contacted them.

 

9. Our counterclaim is for costs and damages (if we can claim any!!) to my wife's credit file, we are asking for her credit file to be rectified and back-dated, and up to £500 in costs.

 

Hope that helps, we have all documentation from DCA, Barclaycard etc etc and have filed everything on time and in good order.

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OKay ...its not really written CPR compliant nor was your defence...I am amazed that you have got this far to be honest.

 

It may appear to be back tracking but could you read the following and compete by posting your responses here...this will pick up minor details that you may not have considered and also allow poster to spot other errors.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

 

Regards

 

Andy

We could do with some help from you.

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Thanks for your help Andy:

But I have read all the CPR pre-action protocols and complied with everything I am aware of including the correct formatting of witness statements etc etc. that's why I have got this far! The above was just a summary for you here on CAG.

 

What I am having trouble dealing with is that If I hadn't of complied with CPR then my wife would of had a Judgement in default by now,

yet a DCA who DEFINATELY have in-house legal can get away with not turning up to a Directions Hearing when the order states "all parties to attend"? I asked the judge and he said they do it all the time?

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Well ...the fact is that the DJ has allowed them leniency...nothing can undo that now so you must proceed as is and build on your counter claim....that is all that can proceed in reality.

 

So is the 5th Dec the trial or just a continuation ?

 

I honestly cant see how they can continue on a debt that as already been cleared by way of PPI ...waste of costs and court time.

 

Andy

We could do with some help from you.

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Our thoughts exactly: and yes trial set for 5th December. We are being pursued for a debt that genuinely doesn't exist, and suffering with a black-listed credit file whilst it takes nearly a year to get to court.

 

 

Is there any way I can ask the Judge to look at the evidence beforehand without a trial so as not to waste the Courts time?

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Afraid not...the best defences normally see them run and discontinue before it gets to trial.

We could do with some help from you.

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  • 2 years later...

Keeping it brief:

2011 owed £8k to Barclaycard

 

We Win 11k PPI from Barclaycard,

BC state in letter they will keep any PPI due against balance, and duly transfer 3K into our bank. Fair enough, debt cleared and we get 3K.

 

2013 we find out BC have sold "debt" to DCA and they chase us for 8K,

eventually goes to Court in Dec 2015 DCA lose. End of.

 

But no,

DCA sell debt to Robinson Way!

They chase us,

we give them CC case number and court date and tell them to take a running jump!

 

Still chasing us

we need this stopped it's been 4 years now and all the time on my wife's credit file.

Suggestions greatly appreciated.

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Ignore them.

 

Complain to the FCA and your local MP.

 

There's nothing they can do, I'd be willing them to try court action, be able to claim for damages.

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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old and new threads merged for history.

who tried court name them 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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old and new threads merged for history.

who tried court name them please

 

BCard sold debt to MKDP LLP

MKDP lost in court

 

Robinson way chasing.

It says on today's letter "former HDHP 2 Ltd ( Barclay card) (never heard of them?

 

They want all the details and my wife is ( stating) she is

"not giving out any more of her details to another company who has no connection with her whatsoever" she's obviously miffed.

 

we gave them the case number and court and told them to obtain a copy of the judgement.

They didn't and wrote back that Barclaycard had no knowledge of any order or judgement

- but then they wouldn't because it was MKDP LLP.

 

RW have even admitted this drops off my wife's credit file in December, it's been that long.

 

 

My wife was intitalyy refused car finance from VWFS 3 years ago because of this,

we sent the underwriters our Court Defence and luckily because of this and 10 previous years of faultless payments to them they reversed the decision

- my wife was on a PCP plan and would of had her old car taken away and had no car to get to work.

 

We are just really annoyed now and want someone to pay for what they have done.

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