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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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DLC go undercover

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It would appear that DLC have now taken on a new role as secret agents.

 

I received a letter from them telling me that I am now on their Debt Surveillance Program and that I am being monitored by their Debt Surveillance Department.:eek::cool:

 

WTF is this all about. Does MI5 know???8-)

 

Oh yes this is the company that last week was threatening CCJs and Baliffs and now this hush hush department are offering a 25% discount.

 

I thought DLC would have been too busy with their chicken department at this time of yearto start up a new secret surveillance unit:rolleyes:

 

For Faccenda re Facile


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That old chestnut :D I've been surveiled by DLC and have since taken to sleeping in a boat far out to sea so as to escape their clutches. When I am on shore I wear a lead hat, speak only to brown squirrel and NEVER EVER EVER EVER eat a Mcdonalds....my conspiracy theory is that DCA's control Mcdonalds...oooooh, spooky ...

 

Just ignore it, just another useless tactic designed to intimidate.

 

Say, you're not Brown Squirrel are you?


I reside in Dawlish Warren but am not a rabbit.

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Just ignore it, just another useless tactic designed to intimidate.

 

 

 

Well it failed miserably. I nearly peed myself laughing at it.


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8)

Say, you're not Brown Squirrel are you? forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

No, I am.

The dark glasses fool everyone...


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Perhaps, they have employed:

Henny Penny;

Cocky Locky and;

Chicken Licken?

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Maybe they're chicken spies?

Seriously though, for anyone less savvy than Caggers that could cause real fear and unease.

Maybe you should write back saying as a member of the Debt Watchdog Ripoff Consumer Moneysaving Undercover Surveillance Team you will be pleased to meet them in the Bandstand in the park at 1 am where you will have a copy of all the real names of CAG members..for payment of £5B in used notes......


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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I think it must be special agent: Turkey Lurkey!

 

Anyway, they all know that, the sky is falling in...

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Maybe they're chicken spies?

Seriously though, for anyone less savvy than Caggers that could cause real fear and unease.

 

 

I'm sure you're right. Another DCA department that dosn't exist, like compliance and 'pre court' departments.

 

Still, I suspect that it's intended to mislead, and as such is probably against the OFT Guidance.

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I think some DCA has been watching to many James Bond films,

 

Cant wait for the threats, that are signed either by Auric Goldfinger or Ernst Stavro Blofeld.....:D

 

We may have been shaken, but we are not stirred.


"Always ask for a CCA, Simples".

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You can't beat DCAs for comedy value.

 

Any dickers outside your house, ODC?

 

 

I can think of 357 reasons why that might not be prudent.


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Yep, it's complete gibberish and intended to frighten you but I think you should call their bluff and take it seriously.

 

Unless they define what they mean by "debt survillance" then there is an implication that they may seek access to data that they are not entitled to see and intrude into your life in ways that might be in breach of the law.

 

If you're confident of your ground in respect of whatever debt they're chasing you for, I think you should write to them asking them to set out precisely what form this surveillance will take. When they fail to respond, make a complaint to the OFT and also to the Information Commissioner asking whether their actions are in accordance with the principles of data protection.

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I would report them to the OFT anyway - that is harrassing language and could terrify someone not in the know. Tony Locke is a sad case.

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8)

No, I am.

The dark glasses fool everyone...

 

HMM, Do you haf ze money?


I reside in Dawlish Warren but am not a rabbit.

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It's the crows you have to watch out for. They know things...:)


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Actually, maybe they have a print out of your alleged debt, and they have put it on the desk. And they are just watching it.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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To stop them reading your mind or messing with your brain you should wear one of these top of the range hi-tech anti-surveillance devices ASAP.

 

 

tinfoil+hat.jpg


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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I would really appreciate the opportunity to find a DCA Surveillance Operative hiding in my green bin, but only coz I am a member of the Counter DCA surveillance Dept........ also known as the "Grab 'em by the throat and shake them til they squeal department"

 

"Double Oh Spam", licenced to dance on your throat

 

Perhaps they only surveil the debts that they are unable to collect upon


Hope this helps

 

 

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Not licenced to canvas of trade premises!!!

 

Application / Licence Details

Licence Number:0100058Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Hillesden Securities Limited 1418063

 

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt administration

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

Direct Legal & Collections

DLC

Hillesden Finance

Hillesden Leasing

 

Trading Name(s) (Historic):

Maldon Leasing

Wayborn Leasing

Rayment Leasing

 

Issued Date: 17-Jun-1980 Expiry Date: 11-Oct-2010

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Anthony Edward Locke OFFICER

Mr Robin Michael Faccenda OFFICER

Ms Susan Faccenda OFFICER

Stephen Orlando Grima OFFICER

 

Historic Individuals that run the organisation:

Name Position

Mr Alan Kenneth Mazdon OFFICER

Mr Richard Arthur Lambert OFFICER

 

Nature of Business:

Debt Adjusting

 

Current Address(es):

Address Type Address

Correspondence Direct Legal & Collections , Buckingham Road, Brackley, Northants, NN13 7DN

Principal Place Of Business Direct Legal & Collections, Buckingham Road, Brackley, Northants, NN13 7DN

Registered Office Direct Legal & Collections, Buckingham Road, BRACKLEY, Northamptonshire, NN13 7DN, United Kingdom

 

Historic Address(es):

Address Type Address

Correspondence ., Buckingham Road, Buckley, Northants, NN13 5DN

Principal Place Of Business Buckingham Road, Brackley, Northants, NN13 5EX

Principal Place Of Business Direct Legal & Collections, ., Buckingham Road, Brackley, Northants, NN13 7DN

Principal Place Of Business Willow Road, Brackley, Northants, NN13 5HB

Registered Office ., Willow Road, Brackley, Northants, NN13 7EX

Registered Office Willow Road, Brackley, Northants, NN13 5HB

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Write back and tell them your an actor, and that the going rate for watching you is £10 an hour so they can pay like everyone else.


Illegitimi non carborundum.

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Debt Surveillance Program and Debt Surveillance Department.

 

O please, we should start a book on the daftest sounding departments these idiots in DCA Land can think of


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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