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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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Which DCA is it?

What bank is it?

Roughly how much is it?

How long ago was the OD taken out?

How long since you defaulted on it?

Are there any charges on the OD?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot

 

What bank is it?

Lloyds TSB

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

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Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot Ha ha ha, wetcloths!

 

What bank is it?

Lloyds TSB Start their complaints procedure.

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

Start reclaiming the charges back.

 

Don't be concerned by Wetcloths, they cannot do anything, except spout off untruths and empty threats.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 year later...

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

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Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

 

Hi, The statement regarding collecting goods is nonsense

unless they have made a county court claim and achieved

a judgement against you and you have failed to comply

with the judgement bailiffs cannot act.

 

Can you scan and post up th letter after removing personal

detiails please.

 

Does this debt show on your credit reference files?

When was the last payment or acknowledgent in writting

made? (the CCA?dispute does not count).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i doubt it says that

 

is it a thereat-o-gram

 

if,might,could,possibly,instructed

 

not will do anythng.

 

what does your cra file say about this debt?

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

 

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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Thanks for the advice so far guys :-)

I'll get the letters posted this evenings as edited PDFs.

 

Last payment was made back in early 2008 but there have been dispute letters between collectors only since.

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what letters

 

you keep playing letter tennis

 

they'll keep thinking you are a mug waiting to be fleeced.

 

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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Standard threatograms,

Send the following to The compliance manager

at Westcott.

 

Ref: xxxxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your threatening letters date xxx and xxxx the contents of which have

been noted, please take note I do not acknowledge any debt to Westcott or any

company you may claim to represent.

 

I have previously corresponded with other agencies which have all failed to prove that

I have any liability for the alleged debt which has been formally in dispute since xx xx xxxx

and this matter remains still in dispute.

 

Take note I am fully aware od the OFT Guidance 2003/2011 and I feel that your company

is in breach of these in a number of ways.

 

Until you can produce irrefutable proof that I have any liability for the alleged debt no further

correspondence can be entered into.

 

Send this recorded delivery and track receipt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hmm.. "Doorstep Collection".. Why would they want your doorstep ?? sorry.. my little joke.

 

These letters are designed to be intimidating in order to obtain a knee jerk reaction in that you .. telephone them.. The telephone is the weapon of choice for Debt Collectors. They say on the phone what they wouldnt dream of putting in a letter.

 

They are also threatening you with Nelson Guest.. who is a solicitor for rent.. he sends out letters and issues claims. However, if the "debtor" defends, then Wescott take over the litigation.

 

Questions..

 

What is the dispute you have with the original creditor and for how much is their claim ?

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They have ignored this and are threatening to come and collect possessions from my property.

 

right so now you've actually read the letter properly

 

you'll see the above is not true.

 

 

is this debt showing on your CRA file?

 

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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In the unlikely event that someone does turn up (rare but has been known).

 

Tell them to leave your property immediately or you will call the police and the police will remove them for you, they are not bailiffs, have no legal powers and are just self employed on a commission only basis.

 

They will leave saying CCJ this, Bailiffs that but only because they have wasted fuel for no commission :)

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

Edited by Conniff
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Ok, I thought that's what it was meant to be, have changed it. :)

 

The bad news is that agreements are all one sided, the good news is that the one side is you.

 

You don't ask them what they will accept, you know what you can afford and you tell them what that figure is and that you will review it should your circumstances change.

 

Don't make payment with a direcet debit card but either by standing order or cheque.

 

Who is the creditor ?

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HMRC take priority. DCA's can take a running jump unless they want to end up in front of HMRC.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

 

Hi monkquito

 

Have a look below - may help - may be able to utilise with the offers etc

 

You can log in without an invite or adviser and away you go - all details are saved online

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/dmptour.asp (example completed DMP)

 

This CAB system is working for a growing number of people but to be sure with any overall debt situation (and given that you have only provided limited information) it is always best to seek full independent advice on all options etc.

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Thanks for all the replies.

 

The DCA is Wescot.

 

As one of you put, I'd rather pay them something even if it is a token about until my circumstances change.

 

Basically I want to get myself out of debt and asap, but want to do it my way.

 

Regards,

 

M

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  • 3 weeks later...

Hi,

 

This morning I have received a letter from Wescot saying that 'that the client wishes to receive information with regard to my dispute'.

 

In my opinion,

 

1. The client should already know what the dispute is.

 

2. As the dispute has been raised with another DCA, what right do Wescot have to see the dispute? I believe they have none.

 

3. Any previous communications I have sent should be held by the 'client' and if such that the client has lost these correspondence from me would breach the Data Protection Act.

 

Has anyone got advice to offer me in this situation? Would Wescot be breaching OFT guidelines by gaining access to information on a dispute held with another DCA?

 

Many thanks in advance,

M

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