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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
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    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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Halifax/Drydens 2007 repo shortfall - been paying for 8yrs - now payments bounces


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Thanks man, I just feel like my life is on hiatus at the minute and I'm about to be hit with a big bill just before Christmas.

I've had anxiety over this for years and it's affected my health badly

I really wish it would disappear and leave me to live my life.

 

Sounds pathetic I know.

Edited by dx100uk
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you will not be getting any big bill about this now nor in the future

they cant operate like that.

 

pers I think you've been had on this for years and Halifax will go radio silent now apart from getting the usual round of powerless DCA's to chase you on their behalf which you IGNORE.

 

you will only need to p'haps comeback to us if you get a notice of assignment sometime

enjoy xmas forget about 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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  • 1 year later...

I'd been paying £40/month since 2009 to Drydens to cover a ~32k shortfall on my reposession I had with an ex partner only for Drydens to refund one of my payments and told me there had been a "commercial decision" and they no longer managed the account, and that it had been handed across to Moorcroft.

 

Today I received a letter from Moorcroft asking if I was indeed the person they were looking for and that they needed me to get in touch to discuss " a personal matter" - I have no other debts apart from a small amount on a credit card which is all up to date, so it has to be the shortfall.

 

What shall I do - ignore the letter?

What if someone turns up at my door from Moorcroft?

 

Because I made the mistake of paying Drydens on the debt until 2018, does that now mean I can be chased for 12 years (i.e. 2030) before I finally get my life back?

 

I'm suffering from anxiety and panic attacks because of the stress over the last 10 years and I'm not sure I'll make it to be honest,  pathetic as it sounds.

 

Dreading the door knocking is a terrible feeling, and it makes me feel like I can't go out in case one of my kids answers when I'm not there. Horrible.

 

Life has changed and I own a home again now with my new wife + kids, I'm crapping myself in case I get made bankrupt or something and I lose my home.

 

Grateful for all help received, thank you.

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  • dx100uk changed the title to Halifax/Drydens 2007 repo shortfall - been paying for 8yrs - now payments bounces

read from  post 14

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

  • 2 weeks later...

Moorcroft made contact again today with a letter telling me that they're pleased to announce that they're taking over the account, and I now owe £29,xxx on the account - would I like to pay by Direct Debit, Standing Order, or Online.

 

In the letter it did reference some letters they claim they've sent over the last couple of weeks regarding the account (I did not receive these) - the only letter I got was from them trying to locate me.

 

I take it this is just a ploy to get me to admit to the debt by responding?

 

It says:

 

-----------

 

 

RE: Halifax, Balance £29017.48

 

We refer to the letter sent to you recently, relating to future payments of the above account. I am please to advise that with effect of the date of this letter, the administration of your account will be managed by Moorcroft Debt Recovery Ltd.

 

it is important that we confirm a number of details on your account to ensure that any existing arrangement you had previously agreed is maintained.

 

Your current payment method will determine the action you need to take:

 

Direct Debit - your previous plan has been cancelled, please contact us to set up a new regular payment

 

etc...

 

Please call us on 0161 47529998 in the next 7 days so that we can discuss your repayment proposal and provide you with your preferred repayment method. Alternatively visit our website at www.mdrl.co.uk

 

We look forward to hearing from you soon,

 

Yours sincerely,

 

A.J. Martin
Debt Recovery Manager.

 

-----------

 

 

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ignore

 

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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The thing I'm really struggling with here and I really appreciate your patience on this is because I have admitted the debt to the previous debt collection agency.

 

Surely that constitutes me needing to continue paying now that it's been transferred to a new DCA

 

I guess I just don't understand

- all I do understand is it's making me feel sick,

seems like i'm going to be on the hook for this £29k for years of my life.

 

Sad too tat my ex who was 50% on the mortgage seems to not have to worry about any of this and has obviously not paid anything over the years or the balance would be further down.

 

How come its all on me? Surely I am entitled a life?

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you've been had thats why..cash cowed

you fell for a threat-o-gram from a paperwork only solicitor...fake/tame 

I bet Halifax hasn't seen a penny of that money you paid

 

and you've now got another powerless DCA trying the same things 

they need free money for their xmas party drinkies 

 

if Halifax want the money.. then its THEM you pay attention 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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