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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
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Unsure what to do!! Debt transfer from Black Horse to DLC


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I will post some letters underneath which i received on Saturday, I have been unemployed for a while now, but took the serious view that i still had a duty to pay my debts until my circumstances.

 

Well I have been paying Black horse along with others a minimum of £5 per month, Now I know they have a CCJ against me, they did it from my old address, so was unaware of it.

 

Well it looks like this company have bought the debt from Black Horse.

 

I have been paying via the banking system so i always have the proof of paying, Now the letters are dated the 29th but the debt was sold or transferred to them via the courts on the 28th of August, Surely I should of been notified, So I could go to court and ask why, and also how much they purchase the debt for?

 

Only if they paid £2K why would i want to give them the extra £3K+. as it must surely be my debt to Black Horse, and they must tell me otherwise.

Anyway here are letters, I sure you guys get my drift/ideas. look forward to some reply's

 

Thanks

 

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you're about the third one this week.

 

they cannot inflate 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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you're about the third one this week.

 

they cannot inflate the debt

 

dx

 

 

OK, Thanks, I understand that bit, But do I not have a right to know before they sell it, They have obviously sold it for much less then the amount owed, so why should I pay another company the full amount.

 

Surely if they bought for £2K then add the normal interest from back then, I would still owe them a lot less then the £5k+

 

I would of thought that even if i am still paying them AFTER the 28th which has been 2 payments, why no one tell me.

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you cannot be charged anymore than is on the ccj judgement

 

they should send you a notice of assignment

 

which they haver

 

now this ccj

 

you say they sent it to an old address

 

if so, get it set aside

 

havve you reclaimed charges and ppi?

 

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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now this ccj

 

you say they sent it to an old address

 

Yes, I recall the day I was leaving the property, The Bailiff said I have a notice/letter from Llyods Black Horse, but due to you been evicted today, I will just take it back to courts, That was the last I heard until I moved here, Then It was a phone call, so I told them i only deal in way of letters, I shall see if I have anything of use.

 

if so, get it set aside

 

have you reclaimed charges and ppi?

 

 

IIRC, I cancelled this shortly after taking out the loan, again I will check. for PPI.

 

As regards Charges, I am pretty sure there are quite a few, as loss job pretty quickly after taking out loan so no payments etc.

I guess if successful this would come off the balance.

 

If above is correct can I do the same against GE Money Lending, as I several Charges from them on the shortfall of the mortgage

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If a CCJ has been awarded without your knowledge, you can apply to have it set aside if there is good reason. At the very least you should have been given the opportunity to defend.

 

I am not sure I understand what is going on with the transfer of solicitor unless there is Court action ongoing. I think you need to provide more information.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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IIRC, I cancelled this shortly after taking out the loan, again I will check. for PPI.

 

As regards Charges, I am pretty sure there are quite a few, as loss job pretty quickly after taking out loan so no payments etc.

I guess if successful this would come off the balance.

 

If above is correct can I do the same against GE Money Lending, as I several Charges from them on the shortfall of the mortgage

 

yes get reclaiming!

 

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 am not sure I understand what is going on with the transfer of solicitor unless there is Court action ongoing. I think you need to provide more information.

 

 

I have just got off the phone to DLC, they agree to my monthly payment plan, nothing changes there.

 

They told me they have bough a very large portfolio of debts from Black Horse.

 

I still think this is wrong, How can someone buy my debt, without my knowledge, thus I owe another firm. Albeit for a lot lesser amount, example been 200K of debts for £50K but they can now collect the 200K.

 

What law stops me selling my debt to someone else to take over?

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What law stops me selling my debt to someone else to take over?

 

That doesn't make sense, you can't sell a debt, you have nothing to sell.

 

I still don't understand? I have a debt of £5K, Which I OWE to Black Horse, So why can i not pass it on to someone else to pay for me?

 

I do have a debt with Black Horse!! They chose to sell MY DEBT, WITHOUT MY KNOWLEDGE!!

 

This is why I am upset, to send the money I owe to someone else, Who has not given me what i originally had.

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Your agreement all its benefits, rights

and obligations has been sold to a third

party, they now own the debt and will

want you to pay them so they make

a profit.

The sale was made because you didn't

keep to the terms and conditions of the

agreement so the original creditor has

cut their losses by selling on the debt.

Why would anyone pay your debt for you:!::???:

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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I still don't understand? I have a debt of £5K, Which I OWE to Black Horse, So why can i not pass it on to someone else to pay for me?

 

I do have a debt with Black Horse!! They chose to sell MY DEBT, WITHOUT MY KNOWLEDGE!!

 

This is why I am upset, to send the money I owe to someone else, Who has not given me what i originally had.

 

You have nothing to offer a buyer.

 

You have a debt of £5,000, is anyone going to buy it off you for £5,500, no, they would have to pay BH £5,000 so would have given you £500 for nothing and be out of pocket.

You have a debt of £5,000, is anyone going to buy it off you for £4,500, no, they would still have to pay £5,000 so would have to pay £500 more than they gave you so be out of pocket.

 

On the other hand.

Someone owes you £5,000 but you now can't be bothered to collect it any longer and being a bank using someone elses money, don't give a damn so sell that agreement for £5,000 to someone (dca) for £2,000. The agreement is still valid and you still owe £5,000 so if they can collect £5,000 from you, they have made a handsome profit.

 

If, on the other hand, you know someone who has funds to burn and are willing for whatever reason to pay your bills, there is nothing stopping them from setting up a direct debit from their account and paying it for you.

Edited by Conniff
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Sorry to be a pain, Thanks for the excellent analysis Conniff, I Just think is a disgrace that they can sell my debt without my knowledge, That's the only thing the peeves me off.

 

Wish i knew some mug to pay my bills. LOLOLOL.

 

I have now found the letter BH sent me the other month with charges on it, I shall get it scanned, and wait for advise to see if there is anything as regards charges i can claim back, Just for your information, They have my debt at £4 more than the updated letter from BH, and have had a 2 further payments.

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Might be a tad difficult it

looks like the charges shown

a part of the judgement order.

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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Have you got a copy of the Judgment order and the amount that the court has ordered you to repay ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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