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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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Chess Ltd and True Telecom


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from the final amount they are claiming for ending the contract early.

 

they are charging you for ther lost business up to a certain point in the future and you are telling them that they dont have to pay BT for the line as that has been taken from them by BT so it isnt a cost they have or will pay out.

 

If you retunred your car to a dealership you wouldnt expect them to tell you that you must continue to tax and insure it until next year would you?

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Thanks ericsbrother,

I will write to Chess and put that to them,

as i am paying rental now to Talk Talk who like Chess pay BT line rental,

 

Between the line rental deduction and unauthorised extras i have paid the final payment should be substantially reduced.

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  • 5 months later...

Hi Folks,

I have been busy and did not send the letter to Chess as i had not heard from them since january

 

, now they have sent me another demand

 

i have written the letter tonight as follows

 

Dear Sir/ Madam

I left Chess months ago due to rampant price increases which were much higher than BT were charging me.

 

I am providing a list of unauthorised charges you have been taking from me and that i am looking for a refund on

Care level

Fraud monitor

Line assurence

Voicemail

Also line rental since i left Chess

Edited by dx100uk
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so did you stop the d/d or have you been paying them blindly ever since your first complaint? if not why not?

 

Sitting on your backside for 6 months doesnt impress us, the more proactive you are the easier it is to kill these things.

When are you going to do somehting to help yourself is the big question. You run your own business so I cant accept that you are ignorant of what that entails, it is your job to know.

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I stopped the direct debit right away as soon as the new supplier took over,

Chess for a time were sending online requests for payment every month and then they stopped after january ,

 

I was hoping that they gave up and left alone.

 

The letter is now posted 1st class proof of posting, I am also going to call Chess to let them know that the letter is on its way.

 

I have called Chess and spoken to the person who will probably read the letter, so she knows what the letter is about and that it is on its way.

The Chess invoice is for early termination of contract.

 

I explained why i left Chess.

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When you receive their usual response.....here is your response.

 

Should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.

 

Andy

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  • 3 weeks later...

Pers i think its time to now ignore and bounce their emails?

Be the email doesn't say will anything

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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Dont accept then

Block the address

Bounce emails back

Use a search engine!

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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Thanks dx,

 

The email is as follows

 

Pre Legal warning

Outstanding balance £500 plus

 

Please note your account has now been escalated to the Pre Legal department in respect of the unpaid balance to Chess Ltd which is now seriously overdue

 

you should contact 0844 or email prelegal to make payment or to confirm your intention with regards to this matter

 

The account will remain with the pre legal department for 10 days from today.

 

If the account is still unresolved it will automatically be referred to our Solicitors at which point it will enter a legal process incurring additional charges in accordance with the late payment of commercial Debts ( interest act 1998 )

 

Chess shares payment information with credit reference Agencies , failure to settle the balance will have detrimental to your credit score and rating.

 

Another option is to bring the services back to Chess in which case we can remove any termination fees levied.

 

I also earlier called Chess pre legal department and was told that they do have the letter that i sent in july regarding the unautharised extras and was told that Chess can off £85 off the balance, at which i said i have a much bigger financial issue with Chess and True telecom who sold the account to Chess and that is that i was paying way higher than to BT whom i left to go to True telecom.

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:mad2:stop ringing these people...

bounce the emails

block the address

 

writing only

 

lets see where they go.

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 have sent Chess a final email, I have stated that i will not be sending or receiving any further emails from them and that all correspondence to be in writing by postal service.

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  • 2 weeks later...

email was a free and easy way to try and fleece you out of money

now go back and look at their email addresses and block and bounce them from now on

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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