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    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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Welcome finance,say not paying back is fraud/stealing ,all recorded on phone


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Hi, im new here but my friend whos home im at now has been a member for a while,so to avoid any dca associating us ive got my own username,

 

Long thread ,but please read,their accusations are outrageous:-x

and unfortunately for them every word of my conversation with them has been recorded;)

 

Basically , been with them for a while , ran the account great,in Jan this year they gave me a new loan on a new agreement,cancelling the old loan and incorporating the balance into the new loan,as i was a good paying customer,

however not long after i unexpectly loose a contract(im self employed)

and can no longer meet my obligations on the new loan so never ended up making any payments on the new agreement,

 

They have been ringing me up ,ive told them to stop and put it all in writing,they ignore me

They then sent a doorstep caller, i gave him the template letter telling them they have no right to knock on my door,

but they still say they are going to call at my home.

 

However the phone call ive recently had with them was unbelievable, it was so full of outrageous lies and suggestions,

 

Woman called Danielle initially calls, im not home, she starts to discuss account with my husband and says shes passing later so will come to our home to see me to discuss it

Husband tells her no you wont,weve given you a letter revoking any right,

A heated debate follows,she tells him they are going to do me for fraud.

 

Hubby rings me and tells me,im outraged at their cheek and ring them and record it,

Speak to my account handler Danielle, the same woman my hubby spoke to,

Ask her why shes discussing my account with my hubby, does this break the data protection laws, she says ive given verbal permission previously,

so ive asked her to supply the phone transcript which gave permission:D

 

Lots of debate over what they can and cant do etc etc

She then says they harrass people for stealing, yes that was her exact word,stealing,she continues her offensive attitide by saying not paying it back is classed as fraud,

 

She goes on even futher to say they are legally entitiled to see an income /expenditure form,

I ask her to clarify this as shes talking nonsense, she goes away and comes back and says another colleague kate has confirmed to her its a legal obligation on my behalf and im breaking the law if i dont:-x

 

 

I then end up speaking to this member of staff called kate,(assistant branch manager)

we basically says they can do what they want,and if i call the police if they do another doorstep call the police will just laugh at us as its a civil matter

(those were her exact words, the police will laugh)

 

Appaling actions from welcome finance,i even told her i was recording it and she still spouted out all this nonsense.

Edited by snoop123
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oh! play that to the OFT!

please!

 

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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Oh dear.. I know they are so far in the red that they will lose £700 mil this year link but thats just outragous...

 

I would complain to a) Welcome finance as a "formal complaint" b) OFT c) Your MP and I would enclose a transcript of that conversation with the "debt recovery professional"

 

they cant claim its a "training issue" as she has asked her supervisor "kate" who then proceeded to sprout the same rubbish :)

 

 

PmW

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Im more than happy to go where ever need be with this,

Fortunately im as bolshy as any threat monkey and not easily intimidated,

can you imagine if this was a person who was easliy upset/worried,

Im more than happy to go to the papers if need be and let them listen to the whole conversation too,dont mind names being used ,just so long as i dont have to do a photoshoot too:D

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I know its annoying when they ring and you think the only to stop it is answer the phone.

 

Wrong.

 

The only way to stop it is to send them letters you have no idea how much this annoys them and when you do make a complaint and half a dozen recorded delivery letters to show all stating the same thing, that really helps your case and buries them.

 

NEVER RING THEM EVER

 

Make the barstools write letters its time consuming, annoys and achieves nothing for them because they can't bully by letter.

 

They hate it trust me

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Just for the record there is no law allowing them to demand an income and expenditure statement.

 

They can of course ask for one, however there is no legal obligation on you to provide it.

If you don't they claim they will not agree a repayment arrangement without one. Up to you.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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I had a similar situation with the CSA - they stated that they had a legal right to see my current wifes financial details

 

When we pressed them to clarify under which statute they were acting they obviously couldn't - I eventually got a reply from someone with more than a single digit IQ and they eventually put it down to confusion on the part of the individual CSA staff member

 

They are legally entitled to ask to see the financial information and legally obliged to ask for it, but there is no law which obliges you to provide it. so it's not a illegal act after all - just a mistake

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Hi, im new here but my friend whos home im at now has been a member for a while,so to avoid any dca associating us ive got my own username,

 

Long thread ,but please read,their accusations are outrageous:-x

and unfortunately for them every word of my conversation with them has been recorded;)

 

Basically , been with them for a while , ran the account great,in Jan this year they gave me a new loan on a new agreement,cancelling the old loan and incorporating the balance into the new loan,as i was a good paying customer,

however not long after i unexpectly loose a contract(im self employed)

and can no longer meet my obligations on the new loan so never ended up making any payments on the new agreement,

 

They have been ringing me up ,ive told them to stop and put it all in writing,they ignore me

They then sent a doorstep caller, i gave him the template letter telling them they have no right to knock on my door,

but they still say they are going to call at my home.

 

However the phone call ive recently had with them was unbelievable, it was so full of outrageous lies and suggestions,

 

Woman called Danielle initially calls, im not home, she starts to discuss account with my husband and says shes passing later so will come to our home to see me to discuss it

Husband tells her no you wont,weve given you a letter revoking any right,

A heated debate follows,she tells him they are going to do me for fraud.

 

Hubby rings me and tells me,im outraged at their cheek and ring them and record it,

Speak to my account handler Danielle, the same woman my hubby spoke to,

Ask her why shes discussing my account with my hubby, does this break the data protection laws, she says ive given verbal permission previously,

so ive asked her to supply the phone transcript which gave permission:D

 

Lots of debate over what they can and cant do etc etc

She then says they harrass people for stealing, yes that was her exact word,stealing,she continues her offensive attitide by saying not paying it back is classed as fraud,

 

She goes on even futher to say they are legally entitiled to see an income /expenditure form,

I ask her to clarify this as shes talking nonsense, she goes away and comes back and says another colleague kate has confirmed to her its a legal obligation on my behalf and im breaking the law if i dont:-x

 

 

I then end up speaking to this member of staff called kate,(assistant branch manager)

we basically says they can do what they want,and if i call the police if they do another doorstep call the police will just laugh at us as its a civil matter

(those were her exact words, the police will laugh)

 

Appaling actions from welcome finance,i even told her i was recording it and she still spouted out all this nonsense.

 

 

Well i dont know were to begin with all of that :eek:

I can only assume the threat monkey was angry at being about to lose her job no doubt or it was her time of the month? :rolleyes:

Either way...all of the above is outrageous & i would recommend an official complaint to every official body you can think of.

The OFT/FOS/trading standards/your MP...the lot & even a complaint to your local police & the police of were they are based (not 999 on both occassions)

PMW said that they have lost £700 million this year.....make it your mission to put the nail in their coffin once & for all ;)

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Typical DCA tactic, try and intimidate you to get your compliance with what they want.

 

Normally when you inform them that you have made a complaint to the OFT they get alot more polite, stop contacting you via phone etc.

 

I would definately consider also contacting your MP and local trading standards department.

 

In this instance you are not looking to get out of paying what you have borrowed, but for assistance as your situation has changed.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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