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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. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. 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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Dealing with an Irish Credit Card Debt


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Hello everyone,

 

I would be grateful for any advice on the best way of dealing with an Irish credit card debt that I am now being chased after and threatened by an England based debt collector to be taken to court. I was living in Dublin and left in 2003 for England. Since then I have been dutifully repaying my credit card balance of about €4500 with AIB Mastercard.

 

Towards end of last year a catalogue of personal disasters occurred which left me unable to service the debt and I paid the last installment in November. AIB bank has now engaged the services of Global Debt Recovery who are based in Surrey. I received a phone call from one of their representatives on Monday morning while at work threatening that they would take me to County for recovery of the debt now standing at around €5400 if I did not call them back within the next 48hrs to settle the matter.

 

It is only now that I am getting back on my feet financially and this has unsettled me as I cannot yet pay anything towards that debt as it is right at the bottom of my list with more pressing matters to be taken care of first.

 

This afternoon just after 2.00pm received another call from the same man at Global Dedt Recovery and he was very rude and threatening asking why I did not call him back and that they are unwilling to take me to court but I am forcing them to do so by end of the week. I told the 'gentleman' to stop calling me at work and if he has anything to say he can write to me.

 

How best can I deal with this for now? And if they take me to court what are my chances?

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It is usual for credit card agreements to state which country's law it is subject to - for example, most UK card agreements are subject to English law, and it would seem odd for a ROI-based card issuer to base its contracts on another country's law.

 

It would be interesting to know how Global think they (or their client) can bring proceedings in a Court which may not have jurisdiction.

 

The first move is to send them a CCA request (letter N in the templates) - this should produce a copy of the agreement, and should give us a starting point.

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Yes CCA them.

 

Head your letter up with, "I do not ackowledge this debt from you."

 

A quick word of advise - NEVER talk to them on the phone, they will say just about anything, knowing it can't be proved what was said.

 

David

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