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    • I’m not sure if this post has concluded or not but I’ve been brought here as I’ve had the same issue pretty much with the same car park unfortunately.   I've got three fines from them for parking there. It’ll amount to £180 or £300 Should it be left.   There’s a lot of information to be sifted through here. I really don’t know where to start. I don’t suppose someone wouldn’t mind helping me out here?
    • Let's say you didn't pay (you did of course, but just for the sake of argument) and Smart Parking are in the right.   They need to pursue the driver of the car.  They know who the keeper of the car is from the DVLA, but that's not the same thing, lots of cars are driven by more than one person, my son often drives my car for example.  It's a big problem for them.   So they got parliament to pass a law, POFA 2012, where, if the keeper refuses to name the driver, then liability can be passed to the keeper, but only under certain conditions - such as sending out the paperwork within 14 days.  Usually they are too lazy, stupid & arrogant to do this, as in your case.   That's why dx said not to appeal, as unfortunately when appealing most motorists out themselves as the driver,    
    • no sure how much car is worth, it  is on 2010 plate , Subaru Forester XC BOXER D ,  got about £3k left on it to pay
    • Yes - it was , didn’t say what application for    how can I object if have no knowledge of what application they have done , just that ordered to be listed for hearing - seven days up yesterday according to latest post    I’m happy to have a hearing , just don’t want judgment without a hearing    I just want the opportunity to defend myself -  Money claims judge ordered a hearing - that’s fine  but local court saying , doesn’t matter it’s what our judge says - that’s what worries me    why do I have to be on speed dial to court because the claimant ignore all procedures and protocols    the application should have been served with their evidence to me 
    • I know cheers dx, i have been reading on the forum, i have read that because its over 14 days there out of time? Can any one clarify what exactly that means, thanks
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
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CSL sending all manner of threats on old Joint Bank Account debt


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Hi :-) its been a while since i've been on here but i'm looking for some advice.

 

My partner has received a letter in his and his estranged wifes name from Credit Security Ltd.

 

Looks like a debt from Lloyds bank bought by them.

 

My partner says the debt is from a joint account from about 5 years ago.

 

The letter just says that they understand that he now is residing at the above address, mine,

and to contact them to discuss the account asap.

 

If someone has any advice on what to do i would be very grateful,

 

thanks :-)

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Sounds like they are not sure he is residing at your address and they are phising to find out! In my opinion ignore it and don't give them the information they need to confirm their suspicions.

 

Regards

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Ignore, just a phishing letter at this time. Wait and see, what, if anything follows.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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My partner and his estranged wives house was recently sold after being repossessed and

 

a company acting on behalf of Lloyds called Eversheds traced my partner to my address as they had money left to divide.

 

This was true and the money will soon be received.

 

Do you think the Credit security got my address from Eversheds.

 

If so, should we still ignore for now?

 

The letter is addressed to my partner and his wife but obviously she doesn't live here :)

 

but the invoice on the bottom of the letter is only in my parners name.

 

There is no demand for any payment,

just to get in contact with them.

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I personally would still ignore until they send something more substantial.

 

You don't need to do their work for them,

 

at the moment they are probably only trying to trace both parties to this.

 

What type of account are they chasing for Lloyds,

as you mention 5 years,

in which case it may well be SB soon.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Seems my partner left finances up to his wife and he's not sure what the debt is.

 

Maybe its an overdraft or something.

 

Its not a loan,

 

its debt developed from a joint bank account.

 

Also what does SB mean?

 

Thanks for your advice :)

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sb means statute barred

 

they are just phishing to see if the can con you into paying before it gets time barred

 

ignore them

 

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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  • 2 weeks later...

Morning all,

 

just got home to discover 2nd letter for addressed to my partner and his estranged wife.

 

Its quite blunt,

 

no dear sir or madam :-)

 

It says in capitals

 

Please take note, you have ignored previous communication, you have had the benefit of goods/services supplied for which you have not paid,

unless we hear from you within 7 days with a payment and repayment proposal we may without further notice

 

(1) Instruct one our our local collectors to call upon you for payment

 

(2) Proceed with legal action for recovery through Aylesbury County Court

 

It is in your own interest to make an arrangement for settlement now by completing the portion below and returning the entire letter to this office.

 

So what do you think we should do now,

 

i'm quite annoyed a company is writing to my address to a couple who only one half live here, this is my house.

 

I feel like writing to them myself and telling them where to get off.

 

The debit is joint not just his.

 

Thanks for any advice.

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Still phishing - ignore again.

 

It is just possible that they 'could' send a doorstep person, but you do not have to open the door to them, tell them you want them to leave (through closed door). Highly unlikely though. Seen the above letter many times before, all 'threats' and best ignored.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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best look up your local police non emerg number

they have as much right to knock at your door as the milkman..bye..hello is that the police... i've..

 

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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  • 2 weeks later...

Afternoon all, received 3rd letter from Credit Security Limited.

 

This time its on pink paper :-)

 

It is noting that their previous correspondance has been ignored and that they are left with only one course of action

which is recovery through county court.

 

However, as a final gesture to resolve the matter,

they are prepared to accept a reduced sum in settlement.

 

They have reduced the debt by £600 if it is paid by 5th december

and then my partners credit reference file will be amended accordingly.

 

The letters seem to be coming pretty regular,

should we still ignore?

Thanks for the advice

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classic sign that either the debt is mainly unlawful charges or ppi

or

they have no paperwork to back up their fleecing activities.

 

ignore totally

 

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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depends if thats the soft pink paper or the rough one.

 

ones for the hamster the others for your.........

 

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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  • 2 weeks later...

Hi, me again.

 

Just received 4th letter from Credit Security Limited.

 

It says again that my partner has disregarded numerous requests for settlement

and unless they receive a payment and repayment proposal at their office by noon 23rd dec

a claim will be prepared for issue in the Aylesbury County Court for the debt, interest and an application for costs.

 

Any judgement given will be enforced by the court bailiff.

 

Sounds pretty scary now,

 

what shall we do?

 

Merry christmas all :-)

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They seem to have missed out a couple of steps

- like your partner can ask the judge for time to pay,

and they wouldnt be able to send a Bailiff round,

unless they successfully gain a CCJ

and then your partner would have to not keep up to the payment plan the judge awards...

 

If the letter literally says they will get a CCJ and will put a Bailiff straight on,

that sounds to me a bit like misrepresentation of powers to cause fear.

 

At the end of the day, if it comes to Bailiffs likely to turn up,

 

you can just do a Stat Dec for a tenner at solicitors claiming ownership of all goods in the property so they cannot take anything

- only thing that could be at risk is if he has a car in him name, but those can be hidden ;)

[sIGPIC][/sIGPIC]

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Thanks foryour reply, my partner has brought nothing but his clothes to my property. Everything in my house is mine and he has no job at the moment. Are my possessions at risk if a bailiff called?

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A baliff will not call until and only IF this shower of idiots take him to court and win. These are still just threats at the moment. Sit back and have a very merry Christmas.

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Getting letters from these also,

 

seemed to have taken a TSB debt from Wescott,

 

also an M&S debt over 2 years old and unenforceable,

 

where have they suddenly appeared from?

 

Have not noticed anybody on CAG mentioning this low life,

 

as I am in Scotland I'll have to see what happens next,

 

TSB were asked for agreement over 18 months ago and didn't produce,

 

M&S is for old storecard converted to Credit Card,

 

my thread is under Other Institutions M&S.

Don\'t let the B**tards grind you down

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