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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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Cheekiness towards a DCA


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I'm after some help please. I've got problems with Lowell Financial Ltd. They have brought an apparent debt from about 8 years ago and are trying to get me to pay, i'm not at all worried about them but my question is are the allowed to credit score me? I checked my credit file today to find out that they have credit scored me not once but 8 times without my permission. My credit file shows all accounts as being well kept or settled. Are they allowed to just credit check me like that or are they breaching data protection/human rights etc????

 

Thanks

 

Stumpy3220

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I'm after some help please. I've got problems with Lowell Financial Ltd. They have brought an apparent debt from about 8 years ago and are trying to get me to pay, i'm not at all worried about them but my question is are the allowed to credit score me? I checked my credit file today to find out that they have credit scored me not once but 8 times without my permission. My credit file shows all accounts as being well kept or settled. Are they allowed to just credit check me like that or are they breaching data protection/human rights etc????

 

Thanks

 

Stumpy3220

 

You really need to start your own thread about this. If you have not acknowledged the debt or made payment to them in over 6 years, then this is statute barred. Starting your own thread means you will get the help you need as your post will get lost amid this cheekiness.....

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Time to put one in that's the reverse of this thread really - Cheekiness BY a DCA!

 

I hate spam at the best of times, and I'm struggling along trying to sort out some major PC issues here as it is, so I was not amused to get the following just now:

 

Direct Collections Ltd

ARE YOU OWED MONEY?

IS YOUR DEBTOR LAUGHING?

HAS THE LEGAL SYSTEM

HANDCUFFED YOU?

WOULD YOU LIKE THE LAST LAUGH?

---------------------------------------------------------------------------

-----

YOU CAN!

BY SENDING IN ONE OF OUR TEAMS OF PROFESSIONAL

COLLECTORS TO YOUR DEBTOR'S BUSINESS OR HOME.

---------------------------------------------------------------------------

-----

PERSISTENT - PERSUASIVE - PROFESSIONAL

THAT'S HOW WE RECOVER YOUR MONEY!

WE DON'T BREAK THE LAW, BUT WE DO GET RESULTS

CHECK OUT OUR REFERENCES THEY ARE IMPECCABLE!

IF YOU ARE SERIOUS ABOUT GETTING YOUR MONEY BACK GET THE JOB DONE

THE EFFECTIVE WAY-

Call Now 0800 091 4907

 

---------------------------------------------------------------------------

-----

www.directcollectionsltd.co.uk email: [email protected]

 

"After the courts and the system failed to recover my money, I contacted

Direct Collections Ltd. They were very helpful, gave me advice, negotiated

on my behalf and within four weeks they had recovered my money from a very difficult debtor." Satisfied customer

 

For debts of over £1000 contact us now and if it's collectable we will

collect it!

Direct Collections Ltd, Temple House, 221-225 Station Road, Harrow,

Middlesex, HA1 2TH

 

I'm sure there are a few people on here that will take exception to these wild claims that companies like this stand any chance of recovering anything other than old chairs (Recover furniture: services for reupholstering chairs and furniture refurbishment for example)

 

A suitable reply has been sent to these muppets...

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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shouldn't that be forwarded to FOS and OFT?

 

I should have explained - it wasn't sent to me as a DCA threat, but as an email advertising a service, on a business-to-business level I suppose.

 

I used to have my own business, and the domain name is still active. It came through on that address.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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I would love to have some of these Professional, Persuasive, Persistant muppets call at my door.

 

Give them a call and invite them round for tea...?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Time to put one in that's the reverse of this thread really - Cheekiness BY a DCA!

 

I hate spam at the best of times, and I'm struggling along trying to sort out some major PC issues here as it is, so I was not amused to get the following just now:

 

 

 

I'm sure there are a few people on here that will take exception to these wild claims that companies like this stand any chance of recovering anything other than old chairs (Recover furniture: services for reupholstering chairs and furniture refurbishment for example)

 

A suitable reply has been sent to these muppets...

 

:eek: I used to work in Temple House when it was an outstation to the local College!! (as a Lecturer not as a debt-collector I hasten to add!)

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From their website Direct Collections Ltd - Face to Face Debt Collection Agency | Debt Recovery UK | Debt Collectors

Trading License No.: 512588. Licensed in accordance with the Consumer Credit Act (1974)

Company Reg. 4307699. Registered Company Address : 187a Field End Road, Eastcode, Pinner, Middlesex HAS 1QR.

 

Our collectors presence is required because debtors have usually begun to ignore letters and/or phone calls, made empty promises or issued invalid cheques.

 

These are all clear warning signs that a personal visit is going to be the most effective way of getting through to them - its not easy to ignore our debt collectors on the doorstep.

 

With offices in London, Cheshire and Glasgow we are able to offer a nationwide debt collection service. Our trained investigators / negotiators will initially contact debtors by telephone and professionally negotiate settlements or arrange a meeting to open the line of communication to recover your money.

 

In lots of cases debtors are ignoring letters, faxes, emails and telephone calls. In these situations a visit from one of our collectors is the way forward for recovering your debt.

 

I suppose the London branch is run by the Richardson/Kray families & the Glasgow branch by the Tongs:rolleyes:

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These are all clear warning signs that a personal visit is going to be the most effective way of getting through to them - its not easy to ignore our debt collectors on the doorstep.

 

Kind of sums them up really :rolleyes:

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So the old rules of having to make an appointment 1st with the debtor & must go away if told to...dont seem to apply to them.

This lot are obviously nothing but deluded cowboys who will be brought down to earth with a bump once CAG has finshed with them :D

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when a DCA phones me up they usually ask me to confirm my date of birth. So when I give them a different one on purpose it throws them a bit.

 

Of course that doesn't stop them from asking you to confirm your postcode. Naturally they get a false one as well. (Note: give them the post code for one of your other creditors:grin:). When (IF?) they type it into a computer they may query it as being a business address so just say its a flat above a shop.

 

If they still try to carry on, stop them by saying they have clearly demonstrated that you are not the person they are after. The phone number would be the same obviously!!! since they rang it.

 

Tell them you now suspect fraud/ ID theft, and that you will notify the police the same day. They tend to get off the phone pretty quick. This worked so well that the oldest debt I had got written off by the DCA within a couple of days of the call.

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Something I forgot to add, whenever I go online and get those irritating popups to receive a email based newsletter I always add the email address of the last DCA to contact me.:D

 

What a fantastic idea :lol::lol:

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Direct Collections Ltd

ARE YOU OWED MONEY?

IS YOUR DEBTOR LAUGHING?

HAS THE LEGAL SYSTEM

HANDCUFFED YOU?

WOULD YOU LIKE THE LAST LAUGH?

---------------------------------------------------------------------------

-----

YOU CAN!

BY SENDING IN ONE OF OUR TEAMS OF PROFESSIONAL

COLLECTORS TO YOUR DEBTOR'S BUSINESS OR HOME.

 

 

OOH Please come and see me in scorchio-land where its still legal to use ANY FORCE to expel trespassers, Especialy in country areas,

Now where did I put that shotgun :D

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just got a spam. Do you think they would mind if I used their email address to unsubscribe? :D
I have passed their details to all my very rich 'Nigerian' Friends

 

IS YOUR DEBTOR LAUGHING

 

Actually peeing myself laughing at their stupidity. Have they not heard of T'internet and that there behaviour went out in the sixties.

 

-

its not easy to ignore our debt collectors on the doorstep

 

Its not easy to ignore a size 9 up your jacksie

 

bouncer.jpg

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Direct Collections Ltd

ARE YOU OWED MONEY? Yes, we bought a £1k debt for £20

IS YOUR DEBTOR LAUGHING? Yes he is.

HAS THE LEGAL SYSTEM

HANDCUFFED YOU? Yes it has, and claims a legal right to do so.

WOULD YOU LIKE THE LAST LAUGH? Yes, but we'll lose in court if we try.

---------------------------------------------------------------------------

-----

YOU CAN!

BY SENDING IN ONE OF OUR TEAMS OF PROFESSIONAL

COLLECTORS TO YOUR DEBTOR'S BUSINESS OR HOME.

 

That's ok then. The head of the CSA says it's ok, and his company who got busted by the OFT isn't anything to worry about really. Honest Guv.

 

 

Another DCA quote fuzzybobbled.

 

Disclaimer: Any DCA company appearing in one of my posts or videos is intentional. Any simalarity is deliberate. Want to take me to court for it? Try it and see what a large dose of negative publicity feels like. :p

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Another DCA quote fuzzybobbled.

 

Disclaimer: Any DCA company appearing in one of my posts or videos is intentional. Any simalarity is deliberate. Want to take me to court for it? Try it and see what a large dose of negative publicity feels like. :p

 

:lol::lol:

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Direct Collections Ltd

ARE YOU OWED MONEY?

IS YOUR DEBTOR LAUGHING?

HAS THE LEGAL SYSTEM

HANDCUFFED YOU?

WOULD YOU LIKE THE LAST LAUGH?

-----------------------------------------------------------------------

Call Now 0800 091 4907

 

You COULD always call their freephone number for which THEY pay for to discuss any of their advertised services with them.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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