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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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How to remove a fake entry fabricated by a DCA from my credit report. Is the next step the IC?


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Over the last 6 years I have dealt with very many 'problem' entries on my credit reports, however, I have now found that one exists that is both false and blatantly a result of 'double-defaulting' by a DCA, but the CRA refuses to remove it.

 

I believe the next step is to involve the Information Commissioner (IC), however, I would like some feedback or suggestions from others on here as to whether I should do this now, or write once more to the CRA to request/demand that they do more than they have done so far. I am unsure whether this second approach would appear fairer if/when I then have to contact the IC. I also wondered whether there is a draft template on CAG that someone could suggest I could use.

 

To explain briefly, it would appear that I had a credit card which was defaulted in 09/2005 for just over £10,000 and would then have stayed my credit report until 09/2011. Other similar problem entries have come and gone over time and I expected this to follow the same pattern.

 

However, when I pulled my 3 reports in 11/2011, although that original credit card entry had by then disappeared, a report from one CRA showed an entry, started in 09/2005 for the same value and with a subsequent default date in 09/2010. This false entry would therefore stay on my account until 09/2016. The name of the DCA who had raised that entry in 09/2005 was the same DCA who have been chasing me for the credit card that was defaulted in 09/2005.

 

I have received correspondence from that particular DCA since 2005 and have always strongly denied that the original credit card account was mine. In every item of their correspondence, up to and including their most recent in 10/2011, they have always referred to the original credit card by name and quoted the corresponding 16 digit card no.

 

They have never once advised me that I have opened a new credit account with them (which I would obviously have known about!) and it therefore appears to me to be a case of being 'double-defaulted' for no other reason except to damage my credit rating.

 

When I wrote to the CRA to dispute this fake entry they replied with the usual stock answers of “ ... coy x has investigated .. no problems ... get in touch with DCA...”. Naturally the (false) information which I had disputed was going to be left unchanged (surprise, surprise).

 

So, do I write back to the CRA to rebuff the brush-off I have been given and if so what is the best way to do this?

 

Should I also write to the DCA to mandate them to prove their fake entry is actually valid? Perhaps I need to do this so that, if I subsequently write the the IC, I can show that I provided the DCA with an opportunity to correct the fake entry they placed upon my credit report.

 

Alternatively, should I now write to the IC to ask them to investigate and help to delete a false and unsubstiantated entry from my credit account.

 

Please note that I am NOT attempting to dispute an allegedly valid credit agreement but to have a double-defaulted entry removed from my credit record. I have dealt with most of my other credit related items now but have not previously come across such blatant fabrication.

 

BTW you guys on CAG have been great. Over the last 6 years I have dealt with 20+ different apparent debts and over 60 collection companies covering a total amount somewhere north of £70k and now this is the ONLY one left on my 3 credit reports, and it’s false! So if you too are being hassled by DCA's please believe me when I say, 'Stick with it. This stuff works.'

 

So, come on guys, how do I hit them where it hurts?

 

Thanks in advance

 

UpOverTheEyeballs

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Hi,

The CRAs are the DCAs best buddies, didn't you know :| The DCA say 'jump' and the CRA says 'How High'

 

When a CRA contacts a creditor regarding an entry, the creditor will tell them what to do. If the creditor does nothing and doesn't respond then the CRA can remove an entry but if the creditor tells them not to, they can't

 

Your next move should be to the DCA demanding either they prove the default is accurate or remove it

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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when was your last financial transaction?

 

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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Thanks silverfox1961 and dx100uk for the quick replies.

 

silverfox1961, it sounds like you are suggesting I treat it as if it is a 'normal' debt and I'm ok with that. This has the useful benefit of them having to provide full supporting evidence and if they don't then they would be hard pressed to support keeping the entry live on my record.

 

dx100uk, the account was defaulted in 09/2005. Subsequently, during 01~02/2006 I made 2 token payments whilst reviewing my affairs with my many creditors, and then in 03/2006 I sent the DCA a letter by recorded delivery repudiating any prior statements and re-affirmed the debt was not mine. That was the last financial transaction ever made against the original and unverified debt in question. Many letters have gone to and fro but nothing other than bluster and threats have eminated from them since then.

 

So to me the statute clock should be ticking from 09/2005 or 03/2006 and not certainly 09/2010 as it is at the moment.

Edited by UpOverTheEyeballs
missed out a word, whoops
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don't treat it as a normal debt. If this debt isn't yours you must state as much and remind them of their obligations under the updated debt collection guidance to be sure that the debtor they are chasing is the correct debtor.

If you can afford court action to make them comply tell them as much and if you can't tell them you will escalate this matter to the ICO and a report to them to the OFT for breaches to the guidelines

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks silverfox1961 and dx100uk for the quick replies.

 

silverfox1961, it sounds like you are suggesting I treat it as if it is a 'normal' debt and I'm ok with that. This has the useful benefit of them having to provide full supporting evidence and if they don't then they would be hard pressed to support keeping the entry live on my record.

 

dx100uk, the account was defaulted in 09/2005. Subsequently, during 01~02/2006 I made 2 token payments whilst reviewing my affairs with my many creditors, and then in 03/2006 I sent the DCA a letter by recorded delivery repudiating any prior statements and re-affirmed the debt was not mine. That was the last financial transaction ever made against the original and unverified debt in question. Many letters have gone to and fro but nothing other than bluster and threats have eminated from them since then.

 

So to me the statute clock should be ticking from 09/2005 or 03/2006 and not certainly 09/2010 as it is at the moment.

 

the sb clock ticks from your last financial transaction

so 6 yrs from then it should VANISH from your CRA file

regardless to ANY defaults they put on

that does not hold it open on the CRA file.

 

if the 'payments' were made under duress, they dont count either.

 

pers i'd ask the CRA WHY is this account still showing on your file - its been 6yrs since you last ack'ed it.

 

let THEM tell you WHY its still there

 

i bet they cant and they removed 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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silverfox1961, what's the cost to take them to court if they refuse to remove it? I am currently on Income Support so that might reduce the fees charged.

 

dx100uk, yes, I take the 6 yrs to be wef 09/2005 and that was why I revoked any inference of liability by my holding payments.

 

So, taking both of your themes together, it would appear that I should write to the DCA and demand they explain why this false entry was created in 09/2005 and then defaulted in 2010.

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why?

 

ask the cra the direct question

 

why is this account still showing as its statute barred?

 

if it goes..the defaults go too! end of problem

 

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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Mmm, dx100uk, that sounds reasonable. All they did was provide a standard answer which attempted to avoid any of the points I made regarding the new entry being based upon the first and only credit account.

 

Perhaps I should approach it from both directions:

 

Firstly a second letter to the CRA to restate the fact that the debt was by now statute barred and should not be reported against.

 

Secondly an initial letter to the DCA to request they remove this fake entry from my record.

 

No doubt both will be ignored, however, together they will lend weight to my argument if I need to take it further.

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the cra cannot ignore you

 

they must provide you with the information you require

 

why is this account still showing on my CRA file?

 

if the ijfo they have is FALSE or INCORRECT

 

then they must remove the account forthwith

 

if they do.

 

then quite pers id be seeking compensation.

 

they should not be hold false info

 

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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Not wishing to ''jump in'' but there

are are a couple of points that may

be of interest ::

If a debt becomes stat barred BEFORE the defaults

6 years is up it will remain on file until the 6 years.

are up, the two are totally divorced in most cases.

Unless the debtor has informed the creditor in

writing that the debt is SB and they will not be paying

then it still exists ( is does anyway but cannot be enforced in court)

all other collection activity can continue, the OFT Guidance

states they consider it unfair to pursue after the debtor

has so notified the creditor, with the ''warning'' that to continue

MAY constitute harassment.

 

With this the bar calls:madgrin:

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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Thanks BRIGADIER2JCS, I feel two letters, to the CRA and DCA highlighting the statuted barred position re the original alleged debt and thus the fabricated status of the current entry are required.

 

All subsequent chasing would be harrassment ( as you mention ) and to not remove the fabricated entry ( unless they can somehow prove it is correct, which it isn't ) would lead them to be liable for an action for compensation.

 

As it stands, I do have another credit card now, however, it carries a high interest rate and there's the distinct probabilty that if I hadn't had this fake entry on my CRA for the last few years I could have obtained a lower interest rate. On this train of thought, how does one put together a financial value when seeking compensation?

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a default does not hold the account on the cra file till its 6th birthday.

else if that were the case a dca could just keep sending defaults every 5yrs 11mts!!

 

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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Ford, thank you for your post. I downloaded the 2 pdfs.

 

I noted that in "Guidance on defaults" on p19 para 53 the final sentence reads, "The purchase should not affect how long the record is kept. It should be removed six years after the default."

 

So by their rules double defaulting a debt simply because it was purchased is inappropriate behaviour.

 

Thanks for the link

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Thank you all for your input.

 

I have drafted a Letter Before Action which will be posted by recorded delivery to the MD of the DCA on 3/1/2012.

 

I will place an update on this topic once I hear back from them.

 

Rgds all

Edited by UpOverTheEyeballs
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I might add that DCA's are amazing at ensuring you are never forgotten by CRA's! This is one of those times when after a statute barred debt they'll continue to show searches with the explanation, 'Outstanding Debt'. :!:

 

A CRA will NOT want to listen to you because in their eyes you are merely an entry on a file. I've had to personally, more than once had to go to the ICO with my complaint of this. As the ICO can take up to a year to do anything, once they have issued the instruction that the entries have to be removed your 6 years can easily become 7 or 8 or more. Remember that these entries stay on for a year so many a time new entries have appeared when the order to remove previous ones is reeived.

 

A potential creditor will also look at the searches and possibly consider numerous 'outstanding debt' entries as adequate for them not dealing with you further. The viscous circle then starts again.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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I deal with a large anount of CRA problems and often find that the data subject is at fault on many occasions,

especially on the question of defaulted debts becoming SB,

 

if the default has time to ''run'' it will remain on file SB or not,

 

so many debtors do not properly inform creditors that debt are statute barred in writting

and clearly state that will not be paying,

 

thus the creditor/DCA is still able to press for payment but cannot enforce the debt in court.

 

If a debtor wishes to challenge an entry on their files it is important firstly to contact the organisation that has placed the entry NOT the CRA,

just send a copy of your complaint to the CRA to inform them that you are challenging the entry and require a notice of dispute registered on the entry.

 

Follow this it is logical, simple and it works.

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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Sit rep as follows. False entry to be removed. Result! Their letter was dated 2 days after my 14 day Letter Before Action was posted so it is clear they fully understood the position they were in.

 

I will be sending a copy of their letter to the CRA in question and will ask them to confirm the entry is deleted, after all, it would be terrible if the DCA 'forgot' to do what they said they would do

 

Amended copy of their letter is attached for ref.

 

Thanks again guys; if I had gone with my first plan I would have written to the Information Commissioner and from what I have read that could have taken months or years, certainly not just TWO days.

 

Thanks again

 

StatuteBarred.jpg

reply from 1st credit recd 2012-01-07.jpg

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scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

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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