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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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1st Credit - threatening to make OH bankrupt despite no CCA reply..


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Hey spiritgirl, you go girl. Sorry to hear you've been poorly but you know you've bags of support on here, subscribing with much interest.....get it right up them!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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((((big hugs))) back to you all - thank you for your unending support, it means such a lot to me xxx the doc has now increased my meds for the short term so i'm sure once the added dose kicks in old SG will be back to her fighting self ;)

 

what bugs me about these DCAs is that when they send out their threatograms they don't care about the emotional effect they have on folks and even though i wasn't going to admit it, it did get me down when I received First Credit's latest love letter :mad:

 

My OH got a threatogram yesterday re a loan he is paying off - the company threatened to send his account to a DCA because he had not been making repayments... I wouldn't mind but the payments go out monthly by standing order!! I'm sure you can imagine the way the conversation went when he got the pillocks on the phone .... !!!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Hiya SG glad you are still fighting.

 

I've also have a couple of DCA threatening which I need toget CCA requests off to. I also was very down having lost a friend to suicide so have been absent.

 

But I'm not letting the buggas get me down!

 

Go Girl!

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  • 3 months later...

:) Hello again friends

 

Just a little update - I've heard nothing from 1st Credit for months then a letter arrived out of the blue from LCS their so called Legal Division :rolleyes: (probably the spotty youth at the next desk!) threatening court action within 14 days if payment is not made in full and stating that its no use writing to said division because they are not authorised to correspond with me and I have to write to 1st Credit - pillocks!

 

So as instructed by the legal division I have written to 1st Credit non legal but simply incompetent division :p and told them to foxtrot oscar yet again and that they might like to tell LCS to foxtrot oscar as well since they have still not responded to my CCA request of well over 12 months ago !!

 

Babybear aren't you a big fan of LCS? ;-) I am sure I've seen them mentioned on here before????

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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So as instructed by the legal division I have written to 1st Credit non legal but simply incompetent division :p and told them to foxtrot oscar yet again and that they might like to tell LCS to foxtrot oscar as well since they have still not responded to my CCA request of well over 12 months ago !!

 

Babybear aren't you a big fan of LCS? ;-) I am sure I've seen them mentioned on here before????

 

Love SG x

 

ROFLMFAO :lol::lol::lol:

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