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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case  when he penalty charge is accepted.
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    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
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    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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Think i done a boo boo :(


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Don't bother to contact capquest, there's nothing they can do at the moment as you are disputing the debt.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca to the original creditor.

 

Tell Capquest you want a statement of account for the past 9 years, remind them that they have to prove that there isn't a 5 year gap in payments. ;)

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ok printed that out and off to post office in a short while :)

thank you for all your help so far (and local knowledge lol).

 

edited to have this checked! have changed 77 for 78 in both sentances is that right?

 

Re:− Account/Reference Number 22811367

 

This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78(6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

I look forward to hearing from you.

 

Yours faithfully

Edited by tugmistress
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ok had a reply today

 

Dear Mrs XXXX

our client : littlewoods finance company limited

ac no XXXXXXX

balance £498.32

 

we thank you for your correspondance and respond as follows

 

we can confirm that the last payment made to this account was on 3rd august 09. therefore under the limitations act 1980 this account is not statute barred, as a period of five years or more has not passed.

 

Payment is now due in full. Please contact us on XXXXX to arrange immediate repayments

 

 

.........

 

 

ok they obviously didn't read the letter right so what do i write back please?

help :(

 

Dear Cretins

 

If you had read my letter correctly you would realise that I didnt mention the Limitation Act 1980 as it doesnt apply here in Scotland.

 

I referred you to The Prescription and Limitation (Scotland) Act 1973 Part 1 Section 6. This debt had been extinguished prior to me being browbeaten into making any payment to you.

 

yours etc

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oooh could i really get away with sending that one word for word do you wonder? lol i'd love to!

 

caithness.org rules!

 

lo tug

 

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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have you sent off the cca request? if not send it, don't sign it and don't discuss anything over the phone if they ring you.

 

i've sent off what i posted a couple of posts above :)

 

caithness.org rules!

 

lo tug

 

dx

 

lol you're right there, LO dx :)

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  • 2 weeks later...

all total bull by the looks of things

i take it , it did not have your sig anywhere?

 

now, how is the sar going - did it get posted?

 

if you get pestered, i'd write saying you make no payments between xxx & xxx so they can bug off.

just because they conned you into paying an old debt, it does restart the clock under The Prescription and Limitation (Scotland) Act 1973 Part 1 Section 6

 

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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Hi DX :)

i posted whatever was put on here :)

if i signed anything it was the original back in 1997 (according to their letter, i can't remember!)

i did recieve a letter earlier this week just saying that the account was on hold for 28 days while they found the information.

 

in todays mail ( the photo's above) there is no letter heading or anything from capquest - are these the same people?

 

and i take it you meant to type does NOT in your last sentence?

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:D Save your £10, send Capquest this instead http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter and if they provide an enforceable agreement I'll bare my ass in the church of St Leonard in Beeford. :D

 

I'm glad I don't have to do the above, it's windy up there. :D

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windy, it been raining solid now for 20hrs

 

oh and sri my not key was U/S.

 

correctly spotted

 

the sar would be useful, there nust be heaps of charges and p'haps ppi that has been mis-sold awaiting a reclaim?

 

 

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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The letter's fine. I never bother filling in the details in a PO in case they send it back....you can reuse it then. ;)

 

Send it recorded delivery and don't sign the request.

 

never thought of that have useless ones from moorcroft, (2) and IQOR and wescot god i've wasted 4 pound odd?

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I'm glad I don't have to do the above, it's windy up there. :D

 

haha i would have been willing to take photo's though ;)

 

windy, it been raining solid now for 20hrs

 

oh and sri my not key was U/S.

 

correctly spotted

 

the sar would be useful, there nust be heaps of charges and p'haps ppi that has been mis-sold awaiting a reclaim?

 

 

 

 

dx

 

well from what i remember of the original phone call off them the actual balance i owed was about £100, but with interest it added up to just over £500, i don't think i'll get anything back but i'll send off a combination of the SAR and the 'get stuffed it ain't enforceable' and see what comes back :)

 

really appreciating the help guys - i'm finally starting to get a life :)

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