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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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been with Payplan for 10yrs...


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Good Morning

 

I have a slight problem

i entered a Debt management plan with pay plan in January 2008

all my creditors have been paid since joining and my credit file entries relating to the said debts have been wiped due to the 6 Year time scale, BAR one Marbles Credit card which during its journey has gone to many agencies

 

please see below:

 

mar bl e s ================ 22/01/2008

H F C 8888888888888888 22/01/2008

New Day (formerly S AV Credit) 8888888888888888 28/02/2009

Cap Quest Group Limited 888888 07/12/2012

Cap Quest Group Limited 888888 11/12/2012

Cap Quest Group Limited 888888888 12/12/2012

NCO Europe Ltd 888888888804/12/2017

 

 

The problem i am having this account is still showing live on my experian credit file even though i am pretty certain this went default in 2008 when all the other debts went default?

 

They are paid the same time every month on the 14th as i pay pay plan on the 12th of every month,

but they keep putting me down as late payments as they say the account is live and revolving and the terms are 30 day payments? so the payment date with NCO changes every month

 

i had this problem with cap quest last year with the same account and it took me ages to resolve and they did amend my credit file eventually , but the have now transferred it to NCO after i complained ( funny that) and the same problem has started again.

 

i think the best option is to try and find the default date so i can get this wiped off my credit file

after speaking to Marbles they only have information that my account was transferred to Cap quest in November 2012 ( even tough they account went into arrears before 2008) and any records before that have been archived.

 

Any help to rectify this would greatly be received and thank you for taking time to read and maybe helping

 

Mr frustrated

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send them an sar.

it will be in the comms log.

HFC will have defaulted you 100%

 

shame you blindly paid all these debts off

and didn't once sent a CCA request?

 

as for NCO they are capquest! all part of the larger Arrows group

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 for the reply i entered a DMP with Payplan and that is why i pay them every month and to be honest i am not bothered by that as i did owe the money!!

 

The annoying thing is the underhand tactics with Capquest

this the second time they have posted late payments against my credit file,

i managed to get the first lot removed and then they passed my account to NCO and i cannot get any joy from anyone?

 

i am looking to get a mortgage so need this cleared up as my credit rating was 999 with experian until NCO took over my account and now have 2 late payment markers against it now.

 

Do i send the sar to Marbles or Capquest please? dx100uk

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NCO are capquest.

stop ringing people esp fleecing DCA's they are NOT bailiffs

and have zero legal powers

 

and dump the morality card too..

ask yourself this question...

why would numerous original creditors sell your accounts to DCA's for 10p=£1

when they could have quite easily crushed you in court...

 

sar always goes to the OC [HFC]

their address is in the sticky on HFC forum homepage

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 get you and yes i am begin to think i was naive,

 

answer me one question

why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

i wish i had known you before as i would happily gone down your route at the time and still would tell them to do one if there was recourse?

I really appreciate your time thank you.

 

Sorry i want to get this right is this the correct address

 

HSBC Bank plc

CCA & sa r Department

PO Box 5055

Coventry

CV3 9EF

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i get you and yes i am begin to think i was naive, answer me one question why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

Because they like to take the path of least resistance, sending letters to confirm they have the legal right to demand money isn't what they do.

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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Now i take it that i am stuck in paying them untill all paid off

i still owe 14k in total or do i stop paying them ?

is the address for HFC the correct one above?

 

Also i see there are 24 people looking at this thread

maybe people might take notice if they are think what to do and sign up for info

 

i will also donate to help out guys

 

thanks for the info

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send cabot a CCA request

 

address is ok

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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You STILL owe 14K!!!!!!

 

Now what does that tell you? You've been paying them for over ten years and you still owe a small fortune!

 

Sounds like they're still adding interest and fees?

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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which they cant...

opps the cash cow story is getting worse...

 

bet the loan was 99% PPI and life insurance anyway...

all can be reclaimed!!

and all their penalty fees.

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 guys the 14k is all my creditors under my Pay plan agreement which runs till 2020 it was over 50k,

 

the balances on this account is £1400 to which i make payments on time every month

but Capquest/ NCO keep moving the payment date because they state that it is an open credit account that has not defaulted ??

 

and my credit file is being penalized with late payments

 

see original above post

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well don't stop yet eh?

let capquest fail the CCA request first!

 

so time to send EVERYONE you pay thru PP a CCA request bar mobile or bank account debts

 

how about you list your debts!

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

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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all my debts paid monthly with amounts paid by Paypal.

 

I want to do this and cannot believe i have stumbled across this site

what do i do next and can i claim back any monies i have paid since being in a DMP,

 

the only debt on my credit file is one of the NCO accounts

the only reservation i have doing this is i need to apply for a mortgage soon and need to bear that in mind ..

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looks like 99% cash cowing to me

sadly no you cant claim the payments back from the DCA's

but you can reclaim from the org creditors PPI penalty fees etc

 

within 2 weeks I bet 90% of this will be unenforceable.

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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get those cca's off. Pretty much all the debts you owe. 99% of them will be Unenforceable.

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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no good we cant log in which we shouldn't nor want to be able to anyway on a anon forum.:lol:

 

list your debts please

 

original creditor

who you pay now

what type of credit

when you took it out

what is the defaulted date from your credit file.

amount still owing

 

ive hidden that upload too

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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lets see the full list 1st please

then we'll advise

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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thread retitled and moved to DMP forum

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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Here you go all defaulted 2008 and dont show on my credit file except Marbles credit card

 

Abbey National overdraft

held by Cabot Financial (Europe) Ltd

amount owed £1,866.57

 

Egg credit card

Cabot Financial (Europe) Ltd

owed

£2,279.13

Barclay Credit card

Cabot Financial (Europe) Ltd

£1,003.74

 

Le radoute catalogue

Debt Managers Ltd

£167.65

 

EON Energy

Fredrickson International Ltd

£255.62

 

GMAC UK PLC

GMAC UK PLC dealing

£81.32

 

Next Retail Ltd

Hoist Finance

£409.93

 

Egg Prudential loan

Link Financial Ltd

£2,431.29

 

MBNA International Ltd credit card

Link Financial Ltd

£2,451.11

 

MBNA International Ltd credit card partners

Link Financial Ltd

£1,317.41

 

Lloyds TSB Plc - Black Horse HP

Lloyds TSB Plc - Black Horse dealing

£352.67

 

Marbles Credit card

NCO Europe Ltd

£1,309.66

 

Sainsburys credit card

NCO Europe Ltd

£1,309.66

Capital One (Europe) Plc credit card

NCO Europe Ltd

£770.45

 

Tesco credit card

Paragon Personal Finance Ltd

£2,065.48

 

Thats all of them hope this helps and await which ones to send letters

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CCA everyone of 'em bar the abbey OD

 

they have 12+2 working days then you can safely stop payments

PP wont like that.

so comeback 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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Just a quick question regarding the marbles credit card that is the only account still showing on credit file,

 

i am confident it has defaulted around 2008

 

do i need to send a SAR to marbles aka HFC or do i send a CCA to the DCA who is holding the account according to my Credit file?

 

this is the only account than can effect my credit file so want to thread carefully here.

 

if they cannot find the Credit agreement ( Capquest) do i demand that they take the entry of my credit file?

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