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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Gambling Debt


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Hi

 

First time poster and very nervous.

 

Im 26yrs of age and got myself in a right mess. Borrowing has always been the done thing in my family, so as soon as i was 18 i was getting loans whenever i could.

Not just to splash the cash but to support my mother who was single and unemployed.

I have worked from the age of 15 but was never in a high paying job.

 

I found "gambling" not long after turning 18,

first it was slots at local bingo halls, until i found the devil - online casinos!

i then went on to spend every spare penny on gambling, a bit for the thrill but more so because i convinced myself i needed to gamble to survive.

 

My gambling issue is another story but i wanted to give u some background info.

 

I entered a debt management plan in November and made the first payment in December which has reduced my monthly payments vastly.

Unfortunately as my name informs you since entering this plan i have taken out 5 payday loans, and now owe more than i have coming in next Friday.

 

I had planned to roll these loans on by just paying the interest and "eventually" pay them off.

 

My mother contacted me today crying, she had her bursury put in her bank this morning, to the value of £600 and gambled every single penny away.

 

She was supposed to make a payment to her rent to stop from getting evicted! it was this phone call that kicked me into shape.

This has to be sorted, so first and foremost I have a gambling problem and am seeking advice from Gamblers anonymous!.

 

I was reading on some debt advice websites tonight and when reading on debt management FAQ,

one of the questions was "can i keep a credit card for emergencies",

the answer was no as your creditors in the debt management plan will think you are favouring other creditors therefore may not settle.

 

Im not sure what to do now, will my debt management company entertain these payday loans as they were taken after my agreement with them?,

or do i struggle along with making token payments to them?

 

Please dont judge or lecture me, i know this is all my own fault, i also know there is only one person who can fix it, as im trying to do now.

 

Any advice would be appreciated.

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Hi and welcome to CAG.

 

Don't worry....you will not be judged and it is good that you are trying to sort things out.

 

This is not my area but the guys will be along to help you as soon as they are available but bear with us as its late now but hang in there and they will be along over the weekend.

 

Regards

 

ims

 

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Hello SG!

 

I'm a very new member of this forum myself, but please don't worry about being judged or lectured. As ims21 has said, you are trying to sort out your situation, as all of us are who by virtue of being here on this site have debt problems ourselves! It's human nature that we've all beaten ourselves up about the mess we're in, but that gets very boring and doesn't help one bit.

 

I'm sure you'll hear from someone soon who has the right experience to advise you.

 

All the best!

Frog E

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Just a wee update, i plucked up the courage to phone my dmp company today and they advised to pay a token payment to the payday loans for 2 months then they will add them to the dmp. I have now cancelled my card and even opened a new bank account to sort my finances out. I have also self-exluded myself from all gambling websites and seeking help from a counciler.

 

I now have to pluck up the courage to phone the payday loan companies to tell them im only making a token payment :S.

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DMP company!!

 

dump them, do it yourself for free!!

 

we'll help

 

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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Don't phone the payday loan companies!!! Email or write to them. You've got enough to deal with at the moment without having the added hassle of taking abuse from a pack of unsympathetic payday loan sharks!

 

I think it would help if you listed the payday loan lenders, the amount of debt and how long you've had the loans.

 

A lot of us have dealt (or like me, currently dealing) with setting up arrangements with various payday loan companies. I'm sure Most of them now feature in threads on here.

 

The good thing about CAG - nobody here judges those who are trying to sort out their problems. I've been here for a couple of months now and the advice and support I've had here is amazing.

 

Well done on facing your gambling addiction. You're not alone here either. With good support from GA, I'm sure you'll overcome your addiction. "we can't win because we can't stop... If we don't start, then we can't lose"

 

Good luck. And I'm sure this thread will become a great tool for you in getting back on the right track.

 

Just one last quick thing... dx offers some amazing advice here on a lot of threads and to a lot of caggers. The advice re: dumping your DMP company is definitely something worth looking into. Are they REALLY of that much use when they are pretty much fobbing you off with "go and sort these additional debts out yourself"... They should be dividing up all of your surplus money amongst your creditors so how can they expect you to find additional funds to offer these other companies token payments?

 

I'm currently still in a DMP myself (fee paying) but will shortly be in the process of writing to all of my creditors and asking if I can send pro rata payments + a share of the £40 per month fee directly to them.

 

Hope this helps reassure you a bit. You're amongst friends now. A lot of us in the same boat - grab an oar x

  • Haha 1

It never rains but it pours...

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The problem is i have only started the dmp in November making the first payment in December. I then took out another 5 payday loans within December and January!. It does state in terms and conditions that i agree to not take on any more credit. The reason they wont add them just now is because i havent tried to pay them, basically taking on the loans knowing full well i couldnt pay them back. Friday is payday and the first time these payments are due back. Wont the companies just tell me to bugger off since they are just new loans?

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Ok.

 

In that case, you are probably best ditching the DMP. Start a fresh DMP?? Or even better, use the help that's here and start your own Self managed DMP.

 

You agreed to not take further credit - yes. So did I. A lot of us did.

 

You're best to list the lenders here and hopefully we can all chip in and tell you which ones are going to be best to deal with first.

It never rains but it pours...

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Welcome Finance £4500

Provident £3000

Greenwoods £700

Morses £500

Wonga £900

Robinson Way £662.58

Hillesden Securities £200

Earlypayday £150

UKPayday £375

1mth Loan £325

Txtloan £117

Payday Express £200

 

Im going to obtain a copy of my credit report to make sure everyone who is on there is getting sorted.

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have you agreement & all the statements on:

welcome

robbersway

hillies

 

these will prob be littered with reclaimable penalty fees & Mis-sold PPI.

 

who were the OC on the last two

and

have you checked all these debts show 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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i dont have any paperwork for any of the creditors.

 

The loan from Welcome was originally £1000,

then another loan for i believe around £2000 to cover the first one and give me some money.

 

i paid £250 a month to them for about a year and a half and the balance was still over £4000 :(.

 

Im really stupid when it comes to these kinds of things so not sure what you mean by who was the OC?,

and not sure about the credit report yet,

i cant access it without card details and i have cancelled my card to stop payday people taking money

so will get credit report as soon as i get new card.

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you can do it via a £2 PO

 

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

 

---Quote---

 

Address

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

 

I have lived at the above address for XX years.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

citizenBcitizenBcitizenBcitizenB

citizenBcitizenBcitizenBcitizenBcitizenBcitizenBcitizenBcitizenB

citizenBcitizenBcitizenBcitizenB

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

 

 

as for welcome

 

sounds like you are owned lots of money

roll overs will i bet have PP and other

insurance and 'penalty charges'

 

all can be reclaimed.

 

sar welcome

 

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 hope your right lol,

would definately help my financial situation,

i will sar welcome and also rbos

 

i have posted on ppi section regarding them,

had to take a loan out with them to cover £900 bank charges they charged me.

Will update when i have more details on credit report and sar etc.

 

Thanks very much for your help, this forum is fantastic,

will definately be making a donation when im in a position to do so.

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Im really stupid when it comes to these kinds of things so not sure what you mean by who was the OC?,

 

You're not stupid! Just there are a lot of abbreviations to get used to in all this -- you'll get used to them and know what they mean over time, but just ask away if you're unsure!

 

OC is "Original Creditor" -- who you took the loan/credit card out with in the first place (before the nasty Debt Collection Agencies got involved..!) :spy:

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nope

robbersway are not the OC - they are a DCA - what was the ORIGINAL DEBT ABOUT.

hillesdenthe same

 

cap1 ok

marshall ward is a cat company - you'll have heaps of penalty charges [£12 ones]

 

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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Just been thinking about all this lately, the Marshall Ward account was from 6-8years ago, I didnt realise about the statue barred thing!, have i mucked this up by giving the dmp company this info?, as im then "acknowledging the debt?, and in relation to the charges you believe will be on the account do i sar hillesden? And then can you still claim charge back if the debt is statue barred? This is all very confusing lol!

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I believe if you've acknowledge a statue barred debt after the 6 years any payment after this time can only be regarded as a "gift". In sure if you've acknowledged it after the 6 years.. Then this stands and if you're 100% sure the debt is SB - then you can tell your DMP to cancel future payments and advise the OC or DCA that the debt is statue barred.

 

Please though, wait for confirmation from somebody else before you do anything like that. I'm positive I've read this somewhere before on these forums.. Maybe dx could advise?? Advice from dx and others is usually spot on!!

 

Have you had any luck yet with arranging plans with these new debts outside your DMP?

It never rains but it pours...

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cant re-open a barred debt - correct.

 

again you sar THE OC not the DCA!

 

you might get them back it IS over 6yrs

so they might wriggle.

though there HAVE been successes.

 

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 unfortunately havent contacted the companies yet,

im just not sure what to say but i looked through the library tonight and found helpful letters so will get them sent away this weekend.

 

Also been looking at dumping my dmp company which was suggested however from what im reading in the terms and conditions

i have to give 60 days notice and also a closing fee may be charged which would be 1 months payment :S

 

i will discuss it with them on the phone tomorrow to find out actual amounts.

 

I have cancelled my standing order to the company as i have changed bank accounts

so will be paying by card to them and will deduct £25 from what im giving them to cover the token payments to the payday loans.

Cant believe i have got myself in such a mess, dont ya just wish you could turn back time!!!

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this dmp company

do phone them

just cut them off dead

 

stop paying

and DO NOT EVER EVER

give you card number out to any creditor or DMP co.

 

if you HAVE ALREADY

 

cancel it

phone your bank NOW

tell them your security number has been compromised

and get the card changed.

 

whilst on the phone

instruct them NOT to honour ANY payments requested by

XXX company too

 

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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Cant they pursue me for fees etc?, although i have already made a payment to them so i suppose that would cover it?, Does it matter that they have sent letters out to my creditors?

 

So just ignore the dmp company and start sending the letters to my creditors myself?

 

I have changed my card, awaiting new one getting sent out, i have also created a new account, as i have heard some companies try taking ur money without ur knowledge, moved my wages tonight at midnight to the new account!! Just so i know its safe.

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