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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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old tesco/RBS loan - help


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Can you tell us the exact basis on which you entered an agreement with Tesco? Do you still have their letters?

 

If you have stuck to the agreement, and their letter indicates this agreement superseded the CCA, then there may be a case for estoppel as they are trying to change the terms.

 

Let us know what you have.

 

And yes, Freds are prize t***s.

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Hi DonkeyB,

 

I have two letters confirming the arrangement. One is from 6/01/2012 from Fred Int, and the second one is from Bryan Carter Solicitors on 21st March 2012.

Both accept the arrangement on behalf of the client (Tesco). FredInt states " subject to review at our discretion and on our client's instruction and may be terminated at any time without notice".

Carter states ""may be subject to review in 6 months time".

I can post them up if you would like to see them.

 

I was paying by cheque to Tesco until I persuaded Tesco (reluctantly) to give me bank details in June 2012 so I could set up a standing order, which I have paid ever since.

Rocky

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  • 1 month later...

Hi All,

Sent a SRA request on 12/02/15.

Today received a letter asking for a signature. Please return a copy of this letter with the correct signature".

 

 

I put in my original letter about "the address above being the one you normally use to communicate private business to me".

 

 

I have not signed any of my communications since joining CAG, and I don't really want to.

 

 

How should I respond?

 

 

Thanks,

Rocky

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If you are afraid of signature lifting, draw a grid of lines and sign over them.

Enclose a copy of your local council tax bill to remove all doubt.

 

Also write something along the lines that they have been happy to communicate personal information to you at this address and as such view this request as obstructive as they must of been happy with your identity before the request. As such if they do not comply with your request within the time frame you WILL lodge a complaint with the Information COmissioner.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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SAR I a legal document

 

 

you need to sign it

 

 

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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  • 5 years later...

Hi all,

I hope that you are well.

I am suffering with the government controls on corvid which has plummeted my already tight income, as with many other people I'm sure. Difficult times.

 

I have an old loan from Tecso for £6000 which I have been paying £4 a month. This was passed to DMS in January who have been harassing me for more money, so I requested the CCA, raised a dispute letter and then stopped payments as I hadn't received any replies whatsoever a month later.

 

A letter arrived from Res*lveCall saying ring or we will visit to which I replied to DM.S that the account was in default; no visits etc.

Today, Res*lveCall arrived at my house, which caused me significant stress, hassle and embarrassment. I told him "in writing only" and he left, but he has obviously confirmed my address. My wife is worried that he will come and recovery her car or something, I have reassured her but it is very stressfull.

 

Have I done the wrong thing, challenging the debt? I've been paying Tecso for years.

 

Can DM.S still pursue the debt without supplying a copy of the CCA?

 

Do I need to write to Res*lvecall?

 

Has the debt been sold to them?

 

I am very worried and I would be grateful for your comments.

Many thanks,

 

Rocky

 

 

 

Rocky

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Firstly RELAX!

 

You did the right thing, tell them to get off your property and shut the door in their ugly.

 

NO they CANNOT take your car OR ANY goods these clowns are NOT BAILIFFS nor will they ever be, these fools you can laugh at all day long.

 

Start a paper trail of evidence TODAY,

 

YOU are in control here NOT them.

 

What do any of these missives say?

Do they refer to ''their client''?

 

When did you take this loan out?

 

Stay OFF the phone, keep everything in writing. And if anyone else turns up thinking they're the big I am, then tell them they have 5 seconds to get off your property before you call the policer and have them removed.

 

 

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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god please don't tell me this is:

 

 

who are DMS please and who are their stated clients?

 

you don't need to hide names.

stop being scared of powerless DCA's they are NOT BAILIFFS!!

and have ZERO legal powers

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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Hi BB,

Thank you for your support.

I do have a paper trail and records of all correspondence.

 

Good point about the letter wording. DMS letters refer to the original creditor and state that the balance is owed to DM.S directly, and basically, stop paying the original creditor and settle with them. Tecso did write and say they couldn't process our payments and said to pay DM.S a year ago, but we've continued to make the payments to the original creditor.

 

Resolvecall letters refer to acting on behalf of DMS.

 

DM.S got the name wrong and put an extra initial

I sent the dispute letters to DM.S

I have been hiding the names as they've got us panicked at the moment.

 

Debt Managers (services) Ltd Rotherham.

Original Creditor Tesco Bank

 

 

 

Hi Dx,

Thanks for your reply.

It is the same loan I'm afraid.

 

I have been hiding the names as they've got us panicked at the moment.

 

Debt Managers (services) Ltd Rotherham.

Original Creditor Tesco Bank

 

Rocky

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threads merged

so you again recently sent Tesco a new CCA request and they've failed the 12+2 working days deadline?

 

ignore any DCA totally until/unless you get a notice Of Assignment from Tesco's.

 

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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Hi dx,

 

Assignment of the debt.

Tesco wrote 25/10/19 saying that

"we've decided to transfer (this is sometimes called assigning) our rights in connection with the account.."

DMS also sent a notice of assignment on 25/10/19.

 

DMS have been harassing for more money even though we have been paying Tesco's agreement of £4 per month, with repeated phone calls and letters, so I sent DMS a CCA request on 20th September 2020. They haven't responded so I sent a dispute letter after 12 + 2, they haven't responded to that but sent me a Resolvecall letter threatening a possible visit.  I sent copies of the cca request and the dispute letter to DMS.

They haven't responded except for todays Resolvecall home visit.

 

If they own the debt, can they collect if they can't/won't provide a CCA?

Does the CCA request go back to Tesco to answer or would DMS have all the paperwork?

 

(p.s. I still get the occassional letter from old disputed, statutory-barred debts, I think they are hoping I will die and they'll get some payment from the executors of my will.)

 

Thank you once more,

 

Rocky

Rocky

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SB debts are dead and as with any debt 99% die with you anyway.

 

DMS are part of the Arrows Group (capquest etc) 

you've sent a CCA they have failed

until/unless they reply with a checked and enforceable cca or a letter of claim from say drydens solicitors etc

you are safe to ignore everyone and as you have ..cease payments.

 

well done

 

yours is not the next move.

 

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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