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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds tsb cca request - my journey


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Underdog, really there was no technical jiggery pokery involved in my explanation.. I have it written down :oops: courtesy of another CAGGer:D I also have detailed instructions on how to work the video, stereo and doorbell:oops: so if you need any assistance in those departments.. just yell:p

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:DFunny thing is I can work all my other electrical stuff; even set up, tune in and connect TVs and DVD recorders, etc

 

Just couldn't get link to work:confused: Mind you my computer has decided not to paste properly which doesn't help!?! When I click on paste the cursor just jumps a few blank spaces - very weird. Think my computer is as stressed out as I am:p

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  • 2 weeks later...

hello everyone just thought id put up an update

 

well still no cca and looking at my original request it is some months now, i believe i really need to do a dispute letter now and send it next day special delivery, cos i really dont trust them anymore

 

they have sent me my statement and advised i need to pay them as i havent !!!

 

so further from my earlier post number 39 - anything else anyone wants to add or sent me a punchy letter to send them pls?

 

many thanks and of course they are still adding interest onto the account arghhhhhhhh

 

laters angel x

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Congrats also for passing the 1000 post mark Angel.. seems there are a few milestones being passed on here tonight! :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Congrats also for passing the 1000 post mark Angel.. seems there are a few milestones being passed on here tonight! :)

 

 

blimey davey - i really didnt notice, oh many thanks for that i feel quite chuffed, i hope i have given as much good info as ive received, but forever learning lol

 

hope you are doing okay, im just in a spin with everything at the moment, and feel i need to move things along,,,,

 

have a fun eve laters angel x:cool:

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya Angel,

 

still haven't received my CCA from Lloyds yet either - last I heard was a letter early December 2008 stating that they were reviewing their response to CCA requests. Guess by reviewing they meant ignoring;) Have you heard from the delightful ****, yet?

 

I've been defaulted and I'm praying for termination -whilst they are still in default of course:D Interestingly, they have stopped charging me any interest at all. Curiouser and curiouser said Alice...

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hello everyone just thought id put up an update

 

well still no cca and looking at my original request it is some months now, i believe i really need to do a dispute letter now and send it next day special delivery, cos i really dont trust them anymore

 

they have sent me my statement and advised i need to pay them as i havent !!!

 

so further from my earlier post number 39 - anything else anyone wants to add or sent me a punchy letter to send them pls?

 

many thanks and of course they are still adding interest onto the account arghhhhhhhh

 

laters angel x

 

If it's been months since your original CCA request and you don't have anything then i would be going for something a little stronger than just another dispute letter.

 

An LBA for starters or if you prefer perhaps going down the CPR route first as in PT's thread?

 

I would also start charging them for the time you have spent pursuing this matter with them. I intend to start doing that myself:

 

Your time's worth £10 an hour if your bank or finance company causes unfair problems - MoneySavingExpert.com Forums

 

Personally i would say a good letter, after printing, photocopying, research to include legislative quotations and postal costs that an hour for each letter is very reasonable. I have 28 letters since my original CCA request with Halifax = £280 invoice will be included in my next correspondence.

 

A quick search for 'invoice' on google images reveals several which can be adapted to your own needs with photoshop, replacing details with your own requirements!

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Well, I CCA'd Lloyds 3 months ago and still nothing, so have now complained to Financial Ombudsman and local Trading Standards.

 

Lloyds have sent my card account to their Collections Dept, but all I've had from them is one limp letter a month ago...

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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hiya all many thanks for your kind responces

 

underdog, - so they didnt have you on any plan then, just stopped the interest on your account that is curious, so you havnet paid them so once terminated that then would put you in a good position?

 

davey - when you said;

 

"""An LBA for starters or if you prefer perhaps going down the CPR route first as in PT's thread?"""

 

 

yes ive reading about the cpr on pt's thread but am i getting confused that i would have to start a legal case to use the cpr? or could i now at the postition im at just sent the cpr request isnt it part of the lba?

 

Rathercross Charlie, - so you didnt both to send any dispute letters just complained directly to fos and ts?

 

I am actually waiting on my ts to contact me for an appointment im willing to go and see them and get them to record all my dilemmas -

 

anyway have a fun day and will check later for your kind updates cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Angel,

 

I sent initial CCA, followed by "you haven't responded - you are now in default" letter.

 

I had a few harassing calls from collections centre, then wrote quoting chapter & verse re harassment on an unprovable debt and have heard nothing since.

 

Complaint to FOS and TS is to try and force their hand....

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Hi angel

 

I think with the CPR the idea is that you request the information that you may use if you decided to go to court. It's kind of to see whether you have a case, not necessarily because you are going to start one.

 

That said, I have doubts about going in full throttle with it to begin with, as it does seem quite a heavy tactic (we have established however that I'm a big 'ol wuss pants with this sort of thing:D). However, if you've been given the run-around for months it's less likely they've got anything worth having so the CPR becomes a better way to do things (in my view anyway:)), seeing as the regulatory bodies don't seem to even feign an interest in CCA complaints!

Time flies like an arrow...

Fruit flies like a banana.

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hiya lexis

 

thanks for your reply much appreciated

 

im guessing i really do need to at least respond with a dispute letter and that until they comply with my legal cca requst the account is in dispute, and that i will not correspond with them any further until i rec the correct and legal information

 

until then i sit tight im guessing?

 

catch up laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all many thanks for your kind responces

 

davey - when you said;

 

"""An LBA for starters or if you prefer perhaps going down the CPR route first as in PT's thread?"""

 

yes ive reading about the cpr on pt's thread but am i getting confused that i would have to start a legal case to use the cpr? or could i now at the postition im at just sent the cpr request isnt it part of the lba?

 

Sorry, that was not accurate of me. Any CPR requests would be before an LBA. In asking for information under the CPR you would be trying to access the merits of any future Court action you may take and to show the Court (should you eventually have to begin the Court process later on) you have taken all reasonable steps to avoid Court Action and therefore avoid wasting the Courts valuable time.

 

My plan is to follow the first 2 CPR letters (giving the lender ample time to comply), followed by (should the lender fail to comply) a request to the Court to order disclosure. Then go from there depending on what happens.

 

I am actually waiting on my ts to contact me for an appointment im willing to go and see them and get them to record all my dilemmas -

 

As you have TS taking notice of you then i would go with that and hope they are on the ball but don't give them forever or let them fob you off. If you find they are useless or time is dragging on for them to get their finger out then go with the CPR.

 

anyway have a fun day and will check later for your kind updates cheers angel x

 

RatherCrossCharlie: The FOS will not uphold any complaint regarding the supply of legal documentation. Always worth making a complaint to show you consider the account to be in dispute etc but don't rely in them to be fair or treat you without prejudice;

 

http://i157.photobucket.com/albums/t42/davey77_2007/FOSHalifax.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/FOSHalifax_0001.jpg

 

http://i157.photobucket.com/albums/t42/davey77_2007/FOSMint.jpg

 

http://i157.photobucket.com/albums/t42/davey77_2007/Cap1FOS1.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/Cap1FOS2.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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hiya davey

 

okay i feel i understand the cpr better now, but in reality i could also leave that until i do get any proper court papers to defend myself i then can ask the cpr couldnt i?

 

yes i think i will stick with ts as i dont feel fos will really do anything any better

 

thanks for the effort in your reply much appreciated

 

So for my paper trail i best do a proper Dispute letter telling them im not paying anymore until i get a reply containing my proper executed agreement

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Yes keep the paper trail going. Won't hurt.

 

And you could wait for them to take Court Action and involve the CPR at that time. Just depends on how likely you think they are going to be in taking any action. Been asking some of my creditors point blank for well over a year and they are just not going to oblige :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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hiya all many thanks for your kind responces

 

underdog, - so they didnt have you on any plan then, just stopped the interest on your account that is curious, so you havnet paid them so once terminated that then would put you in a good position?

 

Hi Angel,

no I wasn't on any plan. I had low interest balance transfers, sent off cca request, had one phone call, told telephone bod I had sent them a letter; he apologised said there would be no more phone calls and that I didn't have to make a payment until they replied to my letter! Not sure if they were trying to trip me up (I'm a suspicious ol' so and so;)), so I made token payments of £1 as a gesture of goodwill until I see the agreement - thought that would look beter if it went to court.

 

Lloyds continued to charge the low balance transfer interest rates (to my surprise), but the latest statement I received from them is charging no interest whatsoever! Odd! Received letter early Decemeber saying they were reviewing their response to CCA requests. Had a DN and a letter from their solicitors making the usual dire threats; all while they were in default of my CCA request:D I'm trying to ascertain whether or not they have terminated, then and only then will I point out to them that they terminated while they were in default.

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Have solved the mystery of zero interest charged by Lloyds; tucked away in corner of latest statement; 'Lloyds has instructed MHA to collect on this debt'. Oh have you now? And whilst Lloyds are STILL in default of my CCA request - how very very dare they (to paraphrase Catherine Tate;))

 

Quite apart from breaching OFT guidelines, I'd say this also infringes CPUT regs, especially as they give no contact details for MHA other than a telephone number. They don't even say who MHA are exactly - I'm assuming they mean Makenzie Hall Ass; one of the more repulsive parasitic weevils of the DCA world.

 

I've been using a softly, softly reasonable approach in case this gets to court, thinking it would look better to a judge. Now think that's a mistake - the way to deal with sharks is give them a ruddy great thump on the nose and keep thumping 'til they foxtrot oscar. The velvet gloves come off today and the boxing gloves go on:mad:

 

Don't mean to hijack your thread, Angel - just wanted to give you a heads up as to how they procede.

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hiya underdog hijack away its the only way we will all learn

 

i sent the dispute letter and i will get proof when they rec and i will then await,

 

think time for you to report them to Everyone you can think of

 

i guess they are trying to get rid of debts one way or another since the shares hit a blast of cold wind today

 

let the battle commence,,,,,,,

 

united we stand

 

keep positive and dare i say it Rocky here you come lol

 

laters angel x;)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

I sent the dispute letter months ago - they ignored it completely.

 

Will be making formal complaints to all and sundry as soon as I've found out whether they've terminated or not.

 

I would have thought they'd be less worried about bad debts now, considering the insurance scheme they are being offered.

 

Yep, Rocky is about right, lol - if you hybridised him with Boudicca;)

 

Will stay positive - I'll only stop fighting if and when the appeals judge finds against me.

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Have solved the mystery of zero interest charged by Lloyds; tucked away in corner of latest statement; 'Lloyds has instructed MHA to collect on this debt'. Oh have you now? And whilst Lloyds are STILL in default of my CCA request - how very very dare they (to paraphrase Catherine Tate;))

 

Quite apart from breaching OFT guidelines, I'd say this also infringes CPUT regs, especially as they give no contact details for MHA other than a telephone number. They don't even say who MHA are exactly - I'm assuming they mean Makenzie Hall Ass; one of the more repulsive parasitic weevils of the DCA world.

 

I've been using a softly, softly reasonable approach in case this gets to court, thinking it would look better to a judge. Now think that's a mistake - the way to deal with sharks is give them a ruddy great thump on the nose and keep thumping 'til they foxtrot oscar. The velvet gloves come off today and the boxing gloves go on:mad:

 

Don't mean to hijack your thread, Angel - just wanted to give you a heads up as to how they procede.

 

Underdog, MHA Collections is a Trading Name of Lloyds TSB.. just another collection agent, based in Windsor.:)

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Keep your sprit's up, i have been ongoing with over a dozen DCA's instructed by Lloyds TSB for over six years the last of which has given up after a CCA in November and finally returned me back to Lloyd's. I look at all the charges and now i think i am going to stop all payments on my three debt's and call there bluff. Thats token payments for over six years on 2 loans and a cc debt, between £1k to £3k after there charges and i have no CCJ's or a single court appearance to date. I am now at the stage where i think if they could have done something they would have done it by now and i am demanding full statment's and CCA's on all debt's owed just to be sure of whats going on. I have my own thred but just wanted to lend some support.

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  • 2 weeks later...

Afternoon

 

I'm in similar boat sent CCA to Lloyds, had the fob off "we're reviewing the way we do these", sent account in dispute letter, about to send harrasment letter re calls from their collections dept. I've also recevied a default notice.

 

From my experiences their collections area are clueless, keep saying they've no record of any dispute blah blah and that i should chase them up to see whats happening. My simple reply to that has been i have letters of acknowledgement so i'll wait for them to reply. Oh and they also say they'll continue to call no matter what - nice people.

 

After all of this i'm still concerned as ultimately yes they are rubbish at replying, dealing with things in a timely manner if at all, however at the end of the day its me who has now been defaulted and i'm sure that in the future when i explain a default to anyone i'll be laughed at by saying its due to lloyds not getting their fingers out. What i mean is the longer this takes to resolve one way or the other the worse it gets for me/us. Sadly i don't have an answer to this.

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Hi Roppa,

bear in mind that the longer they take to respond to your statutory request, the worse it reflects on them too:)

 

They seem to be sending out those 'reviewing' letters as standard at the moment - makes you wonder what they're up to!?! If they have a valid agreement, why don't they just send it out? If their department is so busy, why not hire more staff? In case they hadn't noticed, a lot of people are looking for work at the moment.

 

Hopefully it's a good sign that they haven't supplied our agreements after so long.

Edited by underdog13
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