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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
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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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