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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 on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • 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!
    • 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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Lowell and defaulted vanquis debt


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Hi Guys, need a little help.

 

I had a default on my file from Lowell placed 30/04/13.

Not paid anything from it, its an old Vanquis credit card debt, that was only about £450. It was frozen at £3191 at point of default.

 

Heard nothing from them in years and now all of a sudden, I'm getting calls every day and as I'm not answering they are leaving messages,

I have left them recorded on my phone, to show if needed how much contact they are applying to me.

 

Then this morning, I have received a letter offering the usual 60% discount, which again I am not replying to our paying.

Were do I stand with this please, just ignore and hope they go back in their shell until the 6 years default is up next year and then do statue barred or could they still take me to court and would they stand a chance of winning after so much passed time with no contact and such a inflated interest added on to the account ?

 

Vanquis sold the debt on in 2012, I never spoke to Lowell when it was passed on either.

And surprise surprise, never received the letter informing me of this or of the default.

Any help would be great,

thank you.

Edited by dx100uk
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Often the debt amount is fantasy, as it includes charges and interest that they could not justify.

 

Just sit tight, don't respond, wait for the 6 years to pass. But do keep an eye on your credit record and always open letters received. It is possible they could issue a court claim at some stage, but the court claim would come from the Courts. Of course, you would not ignore a court claim and would ask for advice.

 

You don't need to send a statute barred letter when the 6 years are up.

We could do with some help from you.

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moved to the vanquish forum.

 

couple of things.

 

1st Lowell didn't default you vanquish did either at the time of the sale or before as only an original creditor can issue defaults.

Lowell cant change that date either.

 

whilst on that default, Statute barring does NOT run from the defaulted date

that runs from your last payment..which was?

 

if you don't know go ring vanquish and ASK.

 

lastly have you moved since you took this card out?

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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