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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • 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
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Car Finance - Debt sold on 10yrs later...


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Well well well, almost 1yr to the day since my last post and guess who has another letter from Aktiv Kapital - this time offering a "New Deal" where I only have to pay £800, how nice of them!

 

Again I thought this was done with after last time, I just want to check if the advice given is still valid?

 

Should I call Yes Loans? Yes Car Credit? Aktiv Kapital?

Should I be writing to them or calling them (remembering the golden rule)

 

I am 100% going to try and get my money back - this thing needs to be put to bed as I have let it drag too long thinking it was done with, only to have the debt pop up again and again.

 

So could someone please point me clearly as to what steps I should take, and what I should be saying / asking in regards to following that plan.

 

Thanks in advance!

 

PS. dx: I have re-read your posts, and they are still like riddles to me haha!

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Send them the sb letter and ignore anything else.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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To claim unfair charges/PPI etc you would need to get full statements from them (SAR) and then fill in a spreadsheet to work out what they actually owe you. Then you send a specific letter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I'm not claiming back PPI or charges, I would be claiming back all money paid by me upto the point the broke the agreement (by taking the car by force without a court order).

 

I was also told in this thread about the "deposit fiddle" on my agreement which basically makes it null and void, but not sure how this affects me claiming back my money as per the agreement?

 

I'm just confused as exactly what I need to do, in simple terms, to get the ball rolling on getting my money back - as there are so many things you should/shouldn't do and in the correct order etc.

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post 38

 

39 etc

 

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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Hey dx (riddler lol!)

 

OK so I should contact Yes Car Credit...or Yes Car Loans...or Aktive Kapital (the orig finance company)?

What should I be saying on the phone / putting in the letter?

 

Please tell me in full sentences as I find it hard to follow your style of writing, especially when I know one wrong move / phonecall/letter can cause so much trouble.

 

Thanks in advance.

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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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Thanks dx,

 

So I after reading that I think I should send Aktiv Kapital a SAR - and not phone them?

Aktiv are the company listed on the new letters I am recieving.

 

I still have all the letters from the last solicitors (Buchanan Clark and Wells) that tried this, and after I requested documents and sent the £1 PO I got it returned saying they wouldn't bother me again - but I don't think that was a SAR as that is £10...

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why are you contacting AK?

 

always the OC - original creditor

 

sar to 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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  • Confused 1

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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Thank you mate, so just to confirm - I should send a SAR to Provident (as per your link) quoting the policy numbers etc from my agreement?

 

Once they reply is that all the ammo I need to reclaim monies paid due to the duff agreement / taking it without a court order.

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let see what happens

 

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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I'm also dealing with Yes Car Credit and I sent my SAR request to Direct Auto Financial Services, PO Box 1135, Bradford, BD1 9PU. They sent me a CD with all of the information I needed, including the agreement and a statement with all the payments that had been made. My agreement looks pretty much like yours, with the deposit taken off the insurance as well. It took them nearly all the required 40 days.

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We bought a car from them in 2002. It was completely paid off in 2006, but we are trying to reclaim the PPI and the other warranties that we were told we had to have when we bought it. I've already sent off the FOS questionnaire to them with the spreadsheet. They've got until the beginning of next week to come back to me. I'm just waiting for the letter now to tell me 'no' as, reading a lot of the other threads on here, that's exactly what they will do. As they weren't regulated back then, it can't go to the FOS, so it looks like it will have to go to court. Just been searching around for the legal argument that I need.

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Thanks for the info darrenfan - very similar cases indeed, hope we can both get our money back.

 

I'm now confused as to how you are dealing with Direct Auto Finance as dx posted a link to a thread saying they no longer exist?

 

Who should I send my SAR to?

Should I completely ignore the letters from Aktiv Kapital?

 

Thanks.

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give 'em a try then.

 

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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they are offering discounts

that 9/10 = they cant enforce the agreement.

 

ignore AK them.

 

yes try DAF.

 

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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