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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 that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.  
    • 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!
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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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Threats from 1st Crud/LCS


Chickenlegs
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Hi all

 

,Have been paying off a loan debt to 1st Crud every month for the past 4 years.

 

Have had letters from them in the past offering discounts if I pay off the debt

and even letters from them thanking me for making regular payments.

 

Now, suddenly, I'm getting threatening letters from LCS Solicitors

telling me I have to pay the full amount within 9 days or they will take it to Court!!

 

As I'm a pensioner living on £67 per week they are lucky to have been receiving anything.

 

Can I have suggestions as to my next step please.

 

Do I ignore the letter or write back??

 

Kind regards

 

Chickenlegs

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Hmm, wonder what rattled their cage?

 

I doubt very much in the circumstances that they would get much joy from litigation against you.

 

Just one question, do you own your own home ?

 

Do not under any circumstances, telephone them :)

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This, to me, is harassment. You are paying them, they threaten to set the hounds on you. NOT ON-Complain

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Your complaint should be heading 1st Cruds way.

 

I would be saying that as you are a pensioner on a limited income and that they should know this, that to set their tame legal bods on to you is tantamount to harassment. You have been paying quite happily for the past few years and suddenly to get this type of letter is very stressful to you. If you have disabilities/illnesses you could use that too.

 

Don't suppose there are any charges on the loan that you could reclaim? PPI?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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you say you have had discount letters

 

something smells here

 

check this debt shows on your cra file

 

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...

Hi all, To update you all on this.............

 

..I wrote to 1st Credit telling them the situation,

that I am a pensioner living on a miserable State Pension,

have health problems and that their letters aren't helping my stress levels!!

 

I have now had a reply saying they

"require medical evidence regarding your condition(s) from a Consultant, GP or healthcare professional".

 

My initial response was to tell them to p.... off but that doesn't help my stress levels either!

 

Come on guys, suggestions please???

 

Kind regardsChickenlegs

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please can you check your CRA file to see if this debt shows.

 

they are NOT OR NEVER

are entitled to know ANY of your medical history

neither

are they entitled to see ANY of your pers financial details.

 

no DCA has ANY LEGAL POWERS to demand ANYTHING

let alone MONEY.

 

dx

 

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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dx100uk thanks so much for your reply -

 

however, I have never ever checked my CRA and quite honestly, I don't want to.

 

I've read over the years of the caggers who have done so and these dcas come out of the woodwork suddenly.

 

We both have a lot of debt and at the moment, fingers crossed, only this dca is being awkward

 

- I couldn't take the rest of them joining in too!!

 

Hope you understand.

 

If you have any suggestions as to a letter in reply I will certainly do that though.

 

Kind regards

Chickenlegs

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old wives tale.

 

they already know where you are from voters and mobiles phone accounts etc.

 

up to you.

 

if you want to keep paying a debt that they have NO LEGAL RIGHT to collect on.

 

if its SB'ed then you owe NOTHING

i bet it was SB'ed before they spoofed you into starting to pay it again

 

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,

it wouldn't be sb'd because I've been paying it continuously for the past 4 years, every month.

 

This is why I'm so aggrieved to have got a threatening letter from them

and then this further letter asking for proof of my bad health.

 

You know, I think I'll just very politely tell them to p....... off!! K

 

ind regards Chickenlegs

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just because you have paid,

it could have been SB'ed BEFORE you started paying them.

 

or the money you have been paying them has NOT gone off the debt but to THEIR POCKET

 

so the clock has been ticking since your LAST payment to the OC, who wrote the debt off years ago.

 

hence the discount letters

 

there are only ever two reasons for that letter

 

the debt is SB'ed and they want to get as much money out of you before you find out you've been cash cowed.

or

its all PPI or penalty/no paperwork exists.

 

get your cra file and check it shows

 

bet it doesn't!!

 

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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  • 3 years later...

Hi all,

 

Have been paying 1st Credit for years on a Sainsburys Bank credit card debt!

 

 

Earlier this year I had a letter from Sainsburys Bank admitting to overcharging me in 2007 on this account

and notifying me that they were contacting 1st Credit and crediting my account with the amount overcharged.

 

Two weeks ago I received an annual statement from 1st Credit and guess what!!

no mention of the credit from Sainsbury Bank on it.

 

 

I immediately wrote to them requesting an updated annual statement showing the missing information.

Nothing!! no response from them at all!

 

 

So what's my next move folks??

 

 

I feel inclined to write again to them saying I will not pay another penny off the debt until they send me a correct updated annual statement.

 

 

Any suggestions???

rgds Chickenlegs

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If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

 

I think you will find they can offset as when the account was assigned all rights and duties go with it, including any liabilities

 

1st Crud will now be the creditor

 

Jones v. Link Financial

Edited by obiter dictum
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Thanks for your replies folks. Offset???? Surely not!!! I can't believe that although I'm struggling to pay off this debt, they can simply 'offset' anything else paid against the account! But SB's letter clearly says that as the account is still open they will send the payment to 1st Credit for it to be credited to the account!! I think, as you suggest fkofilee, the first thing I must do is write to SB.

 

 

rgds CL

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about time you sent all these DCA's you are blindly paying a CCA request.

 

 

as pointed out last time

 

 

I bet they are unenforceable

esp as your had discount letters

 

 

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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Well you never came back

You prob could have stopped paying years ago

 

Is this a loan or a credit card ??

 

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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