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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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MBNA/Arden/Britannica recoveries SARL/Mortlake - court paper received.


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Hi dx100uk, I don't have any other debts, just MBNA.

 

.

 

 

but that does not stop your reclaiming on the paid off debts!!

 

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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Interesting LL , I've had similar when they sell the debt to a DCA it appears as satisfied on a CRA??

Then appears the DCA as default and balance shows as previous.

I would do exactly the same as previously advised,

A realistic I&E , offer creditors pro rata.

That's It. Reclaim anything you can, chances of court action slim, chances of Charging Order Slim. Chances of a OFS virtually nil.

Cad

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Of course it will shopw satisfied the creditor has been

paid by a debt purchase company for the account and

all that goes with it for perhaps 5-10% of the value, and

the creditor writes it off against tax.

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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arden.pdf

 

Hi Cadbury is an OFS forced sale?

So I need to send all the CCCS stuff I sent MBNA then? I really don't want to ring them. I have attached their letter minus personal details, bearing in mind I only received the first Tuesday!!! Will they really come to my house?

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Hi LL

The letters, are having the effect they are designed to,

create fear of orders of sale etc.

 

I'm the same, but after few years, now have become more use to the same letters from various company's all designed to have this effect.

 

As I stated before you can only pay, the amount within your budget.

You can use CCCS or National Debtline ( who helped me) it will however not guarantee,

you not receiving letters or other action.

 

Going for your house us an emotive statement, and in reality they cannot take your house.

Creditors cannot!! Possess a unsecured debtors house.

 

The reality is that a creditor can take court action, unlikely in your case.

After a CCJ, in certain circumstances apply for a Charging Order,

after this apply for an Order for Sale, these are as rare as hens teeth.

 

YOU ARE A LONG LONG WAY FROM THESE SCENARIOS.

So don't worry.

Cad

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Thanks. I sent MBNA the financial statement from CCCS originally but obviously that is out of date now. I will have to go through the whole rigmarole again now.

 

I have just started working part time, I can't work full time due to health problems and I am disabled,

and have started a course to try and help improve my employment possibilities.

 

My financial situation has not really changed, as I am earning very little, and I could do without the stress of having to go through all this again

and concentrate on trying to earn a living and completing my course.

 

Only myself to blame, shouldn't have got myself in this position in the first place!!!

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Just been reading through a few related threads on here and it says you shouldn't send financial statements to DCA's. Can anyone confirm whether I should or shouldn't please?

 

You are not obliged to.

 

Only a court can order you to do this.

It's up to you.

 

If you don't want to, tell them to go forth - simply tell them they are not entitled to this private information.

 

They will huff & puff, but ultimately they really can't do anything about it.

 

To be honest, refusing them is your way of taking back a little bit of control and it's probably what most people would do.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Fred. Can I justify a token payment by saying that my circumstances are the same as they were when I was dealing with MBNA?

 

Yes.

 

If you're making payments they are basically stuffed.

 

As long as you know that this is all you can afford then that's all you need to tell them.

 

They can make as many threats as they like,

but they know full well that their only option is to take you to court - something they are highly unlikely to do.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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sit on your hand till the SAR comes

i would not respond to anything

 

thats a standad threat-o-gram and arden are bottom feeders

 

you need to report them to the oft etc as the line

 

passing to our solicitors to obtain judgement etc

 

is wronngfully assuming a judge will agree

 

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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OK, thanks. Will get a letter drafted to them. Would they actually turn up on my doorstep or is that just a threat as well?

 

sorry do not reply in any way shape or form

 

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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no i'd stop that too

 

lets force their hand

 

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 months later...

Ignore them, load of bluff & bluster......what part of ignore them did you not understand originally?

 

All they want is to have the last word.

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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whatever 'start legal proceedings' means...prob another phishing letter.

 

really like that SAR from MBNA to trn up

that should have been done almost 2yrs ago.

 

you can either await the solicitors threat-o-gram

 

and send then a CCA request

or

 

send a cca to ardens now.

 

blank £1 PO dont forget.

 

i'd recheck your cra file

 

lets see who owns the debt.

 

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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so mbna did accept your propsal after selling it.?

 

or arden have without telling you?

 

so its now been sold

 

so

 

yes CCA arden

 

lets see if we can wrong foot their thoughts of court

 

 

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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no-one has ever offered or accepted anything, that was the whole issue. I had paid £40 a month off my own back to MBNA until it was passed on. I will CCA arden tomorrow, do you think they will have the copy MBNA sent to me? thanks for the help.

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