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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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about to tackle a mountain of debt.. or do i just go bankcrupt?


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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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This will give you better info on the processing of your data without a CCA, in laymans terms, they can't process your data if there is no CCA.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/254802-no-cca-processing-your.html

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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mmm, has anyone actually threatened to take them to court?

Have received another letter from Lowell stating ''After this time limit has expired' (the 12 days) '...no collection activities will take place until such a time as the requested document is provided.' Is this correct, i can't see that in the Act but it does make sense..?

 

P.S. 2 acc now in default, one returned 'withdrawn by client?' and 1 more due to go into default on mon,

thanks everybody, thus far so good. Will get involved in the CRA debate...

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  • 2 weeks later...

okay, hello everybody, need bit of help now,

 

Capquest have returned with a faxed copy of my original agreement and a signed Directdebit instruction. This puts us all back at square one doesn't it.? they now have a legally binding document ? And I have 14 days to reply.

 

I don't think they'll get too heavy, I can demonstate an inability to pay off my debts.. do i accept this and start making token gesture payments..?

 

Is it correct that the 6 years gets restarted when you make a payment or acknowledge the debt, cos this one was started in 2005.. I have made token gesture payments on the account before , before it was sold.

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Can you scan and post up on here what they have sent you? Renoving all ID first.

 

As for the limitation period, yes you are correct, in that each time you make a payment toward the alleged debt this then re-starts the limitation period, so whatever the date of your last payment to them will be the time the 6 year period would have been reset.

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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  • 2 weeks later...

. Okay i'm having trouble getting to a scanner, should I be worried that the account will be active again in their eyes after 14 days..?

What I can say is that it is a faxed copy of the document with my signature. I will post the actual document a.s.a.p..

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No because what theyve sent may not be anything other than a page from an application form, and I very much doubt there are any key terms on a direct debit mandate. Just because you signed it doesnt mean its anything more than an autograph to a fan if it doesnt contain what it should.

I wouldnt stress about it.

Do you have a digital camera or a phone camera or something?, they seemed to use pretty standard templates so bound to be similar ones about.

Edited by Craigbadger
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OK Sorry, here are some URL's for the images..

 

http://www.underline.org.uk/portfolio/DSCF2567.JPG

 

http://www.underline.org.uk/portfolio/DSCF2568.JPG

 

http://www.underline.org.uk/portfolio/DSCF2569.JPG

 

these are taken from a camera and resized, the original document is a faxed copy they have sent in the post.. it's hard to get the wording legible..?

 

thank you..

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where's everybody gone..?

reposting the links to the documents capquest have sent in reply to my cca request. They have included a statment of payments to the account and 2 terms daterd '08 and '09. The origonal agreement is dated 30 november 2005...

 

http://www.underline.org.uk/DCSF2567.JPG

 

http://www.underline.org.uk/DCSF2568.JPG

 

http://www.underline.org.uk/DCSF2569.JPG

 

thank you.:(

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these work..

OK Sorry, here are some URL's for the images..

 

http://www.underline.org.uk/portfolio/DSCF2567.JPG

 

http://www.underline.org.uk/portfolio/DSCF2568.JPG

 

http://www.underline.org.uk/portfolio/DSCF2569.JPG

 

these are taken from a camera and resized, the original document is a faxed copy they have sent in the post.. it's hard to get the wording legible..?

 

thank you..

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  • 4 weeks later...

Okay, leaving the Capquest Abbey account until i can geta scan of the docs. They haven't been in touch for a while so i guess it's in the system somewhere..? Onto another Capquest acc. The account has aleady been placed in default by myself following a failure to provide the cca.

 

I have now received a strong letter from a 'Robinson way' Ltd and am unsure about the best approach. Either i send another CCA Request safe in the knowledge that the cca is lost in action! or should istart screaming about the proccesing of an account that is in dispute.. any thoughts from you lovely people. :D

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in that case send this..

ACCOUNT IN DISPUTE

 

Date:

 

Dear Sir or Madam,

 

Account number: XXXX XXXX XXXX XXXX

 

I am in receipt of your letter dated XXXXX

 

This account is in dispute with **original creditor/DCA** and has been since DATE .

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My previous dispute from **DATE** has NOT been answered.

 

As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreementrequest and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

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