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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Me & my Debts - Haydon DMP since 2001- they charge a £20PCM fee from my <£40 payment - CCA time? In Scotland too!


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  • 1 month later...

Received a letter from Link recently as follows

Your debt was sold to Link Financial Limited effective from 2001 Although Link Financial is entitled to immediate repayment of £1,6**.**, We write now to give you the opportunity to clear this debt by monthly instalments of £8*.** per month by way of a direct debit mandate.

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True enough Batman, but really does today's letter alter anything much? They havent sent a new document or anything. Perhaps the key thing here is that you havent paid anything toward this account since December 2007, which means that in about eight months this account will be statute barred (note to English colleagues, Blueda is in Scotland where statute barred is five not six years) and so after that they will get the square root of hee haw.

I would either ignore it, or send them another copy of your last rebuttal of their claim.

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  • 3 months later...

I received a letter from Cabot today as follows

Repaying your account

Weve tried to contact you on several occasions and its now vital that you contact Cabot urgently to discuss your account. You currently owe £2442.**

IF WE DO NOT HEAR FROM YOU

If you dont contact us we will have to move your account to the next stage of our collection process.

Contacting Cabot

The most important thing for you to do now is to get in touch with us urgently to prevent further action being taken. Call 0845 0700 116 and one of our helpful customer advisors will discuss the options for repaying your account.

Our aim is to help customers get their accounts cleared - so do contact us immediately

yours sincerely Customer Liaison Manager.

Should i send them an account in dispute letter reminder, all advice welcome folks.

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Yes i would send it as a reminder to keep you paperwork in check

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My OH's got a similar situation with Cabot. OH sent a letter saying this was a Final Response. Until such time as a valid copy of agreement was supplied no further correspondence would be be made by OH. Any further generic letters received would be filed but not responded to. That was a few years ago, and OH hasn't responded since.

 

During the past few years they've had periods of silence, then restarted the persistant calls, and more generic letters . Passed it to a new associate company, who also sent letters, and phoned a few times. More silence , then must have been returned to Cabot, who've just restarted calling again.

 

Fortunately a Truecall machine blocks all their numerous autodial numbers.

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  • 3 weeks later...
  • 1 month later...

I received a response from Cabot this morning as follows

I understand you have made a request for a copy of your credit agreement with Barclaycard ( formerly Goldfish Bank Limited) the original lender pusuant to section 77/78 of the consumer credit Act 1974 and you are still waiting for the same.

Cabot credit management ( formerly the Cabot financial group) ( Cabot) purchased your debt from Barclaycard on ** ****** 2008.

We have requested the relevent information from Barclaycard, however we have been informed that they are unable to provide the required information.

Therefore, i can confirm that Cabot have taken the decision to no longer pursue collection of this account. Please note that this decision is not to be confused or or interpreted as a write off of the outstanding balance on your account as the debt legally remains.

I did have a Barclaycard debt years ago which i made regular payments to direct through a debt management company, Barclaycard never sold the debt and through debt management i paid an agreed sum as full and final payment on 2008, for which i have the letter of confirmation from Barclaycard and i never had a Goldfish account.:!:

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I believe you know have traced the account. :-)

 

How long has it been since you made a payment to this account now Blue?

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Ok well the ball is now in your court :-) Keep that letter locked away.

 

Now you know they don't have a cca, in some way yes they are correct that the debt still exists but they are tied as into what they can do to enforce it.

 

I am sure you have read threads like Monty's and RFCfan over the last year or two or maybe more :oops: where they were taken to court and won as no agreement as up here they have to aver to the agreement when issuing court action but it is not 100% straight forward as it is a judge lottery.

 

If you were in a position too, this could get you a good reduce full and final to close the door on it or watch the clock ticking

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  • 4 weeks later...
  • 4 months later...

Hi Folks, received a letter from Link financial today as follows

 

NOTIFICATION OF ACCOUNT TRANSFER TO AGENT

 

You have faied to reach an agreement with us regarding payment of this current outstanding debt.

 

Unless you contact us within the course of the next 7 days, we will instruct Instant Silver to take over the management of this account.

 

If you wish to prevent this, please contact us on 0800 *** ****.

 

We are able to take your call Monday Thursday 8 AM to 8.30 PM. Friday 8 AM to 5 PM and Saturday 9 AM- 6 PM.

 

No doubt this will be given your urgent attention.

 

I am going to send them a reminder that this account is in dispute, anyone heard of Instant Silver ?

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Not me......I would ignore until you hear from anyone else and sent the dispute letter then ......like the rest lol

 

 

Is this not sb now?

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Instant Silver are Link by another name as are Link Financial Outsourcing and Thesis Servicing amongst others. I am sure that others will post their other alias'

 

It is now Statute barred as you are in Scotland so I would bear that in mind for if they get serious.

Dont let the parasite dca's prosper

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Thanks Ida and batman, i have checked back on this thread and the account does not become statute barred until early May 2014 as i was continuing to pay them through debt management until May 2009 although challenging their right to collect since january 2009. interested to find out that Instant silver is Link, so it is a scare tactic being used as they can no longer call me as i cancelled the phone late last year.

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Yes i think it is :madgrin:

 

 

And i can see you quivering in your sandals :lol:

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  • 1 month later...

Received a letter from INSTANT SILVER today as follows

Dear *****

You currently owe Link Financial £1,6** .

We know that being in debt can be verry stressful, with to many:

Telephone calls

Agent visits

Collection letters

AT INSTANT SILVER WE WANT TO GIVE YOU THE OPPORTUNITY TO CHANGE THAT.

We will set you up with a repayment schedule that will give you an upfront discount of 25% of the current balance,

a single monthly payment and 0% interest.

Even better you will receive NO calls, NO collection letters,NO visits from today.

Your balance £1,6** Discount £40* New balance £1,2** New monthly payment £2* Term 48

We are not going to call to sell this offer, as we think it sells itself,

an easy way to get debt free and one less company to deal with.

Simply complete the direct debit form or standing order indicating if you wish to paying weekly or monthly and we will take £40*.** from the sum you owe.

If you would like to ask us a question or want any more information in relation to this offer contact one of the team on freephone 0800

or write to the address above.

Should you simply want to accept the offer complete the enclosed payment instructions and return to us within the next 15 days.

Instantsilver.

I am planning to send a letter to Instantsilver reminding them that the account is in dispute, any advice from fellow cagers is as always welcome.

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discount letter

proves there is something very very wrong with the debt

 

pers i'd ignore them

 

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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