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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Me and My debts and mental health issues **£28k Written off thanks to CAG**


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Hi all, thank you for the replies. I ve spent some time thinking about that dmp payment and the suggestion of a reasonable xmas than the one my boys facing and ive decided a token payment for all this month. Ive paid every month for years and never have anything left to save. That 300 will sort much needed food shop some gifts and a turkey instead of a sparrow lol.

 

Now my debts, i think i ll start one at a time, as i think its best for my mental health.

 

MBNA credit card taken out in 2004 - dont remeber applying and think it just arrived through the letter box. £10,000 paid 3k back around 7k left. MBNA passed to credito expertio in 2010. When i first had repayment problems mbna sent me an offer to settle for 3600 but i didnt have thrupence to my name at the time.

 

They get 98 pounds per month via dmp from my 300 dmp monthly payment. 7 years to go :sad:

 

Any advice or tips would be very welcomed. Jellyhead x

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  • 2 months later...

Hi all not sure if i should start a new thread as all my dirty laundry and emotional breakdown is like a book ! I have reduced my pay plan payment down to £200 as £300 was killing me and leaving me and my boy without. Im ready to start challenging the debts I have as after years of mental health, still suffering and an abusive relationship behind me alot of the debts i have no recollection of applying for !!! All debts from around 2004/2005 and though creditors have stoped interest i get no statements from the DCA s or LLoyds TSB. Ive been paying payplan for 3 years now maybe more. Im not trying to get out of repaying as some debts I know i spent but one lloyds tsb overdraft was 10 thousand pounds, its with apex credit management and ive no idea how that came about or was spent !. MBNA credit card came through the door with 10k limit, they offered full and finale of 3300 just 2 weeks after entering dmp and now with credit expertio who again have sent me no statements. Im ready to find out who s who and whats real. Look forward to some advise x Jellycubes

Edited by jellycubes
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Hello Jellycubs long time no speak :) good to hear from you :)

 

I personally take the stance that if the creditor does not have the correct details such as CCA and other terms and conditions then that is their fault for not keeping files up to date so dont worry about people thinking you are trying to get out of your debts, they use the credit agreement against us when it suits so if they havent go one then that is our advantage, I think that reducing your DMP to £200 is wise and the last thing you want to do is putting yourself too short to live on!! I will perfume your first step is to CCA and SAR route

 

Cheers

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Hi thanks for replying :-). The advice is good and im very lucky that a kind soul on here typed and printed them at home and then posted them out to me. The people on here saved my sorry ass from dark times. I still have those letters and when i get paid next week im going to get post office vouchers, lol not sure what there called but to send out my £1 s for cca s. I hope as i get the replies that the knowledge on here will help me . Jellycubes

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  • 3 weeks later...

Hi all, I need a little help here answering questions running around my head.

 

I have found the strength after severe mental health, detalied in a thread so i wont bore you with it all.

 

I have a number of debts with payplan and have been in this for nearly 4 years. I have no recolection of how or where these debts came from.

 

My CRA report states 2 debts that are lloyds tsb and they have a default by them

and a status 8 with the balance i owe them coming down but the last payment is listed as late 2009.

 

Yet APEX are the one im paying, i dont know how they got the debt.

 

its an overdraft of 10k ?

 

god knows how i got that but who owns the DEBT ?

 

My lloyds credit card they have kept in house, no interest from 2001

 

MY MBNA is listed now as cedit expertio, so I wonder why lloyds debts show the above info.

 

Hope im making sense ?

 

Jellycubes ....on the road to recovery

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no it dont....

 

i would sincerely investigate why you are still paying any debt not on your cra file.

 

as for apex having your old 10k od that is no longer reducing

again your need to question why its not reducing.

 

pers i'd list all the debts in the dmp

 

a check each one carefully

 

if i were in this situation, i'd stop the dmp and await those that want paying to write.

 

then deal with that on a debt by debt basis as to if you owe and who you owe hold the necessary paperwork.

 

its a bit amiss to let a dmp carry on for so many years without questions

however its obv you were not able to deal until now.

 

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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  • 4 weeks later...

I took onboard your advice and

 

apex have said they are acting on behalf of the clent Lloyds.

 

I ve had no statements from them for over 2 years and though the debt has decreased it is still showing £8.5k and not accounting for £1800 worth of payments :-x.

 

They also act on behalf of lloyds for a small loan of £1000 that has not decreased on my statement of £400 worth of payments :-x.

 

On my credit report its states LLoyds have the account yet they have kept credit card and another small loan inhouse and yes they are showing my payments upto date.

 

Is it possible that Lloyds wrote my £10k overdraft off and apex are taking the mick....wishful thinkng i guess.

 

Also Expertio de credito have been assigned my MBNA debt yet all the payments I send them have not come off credit report, around £1800 worth of payments.

MBNA had no cca.

 

Lots of questions I know but hoping for those how give time for all can help me out too.

 

Just to add ive 7 defaults on file eeeek.

 

Lloyds defaulted me back in 2009 and

MBNA in 2010 when the sold to credito exertio.

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i think quite honestly you need to force peoples hands

 

contact payplan and tell them you wish to abandon the plan nnow

 

then stop all paymenrts

 

lets see who shouts the loudest

they'll be the ones that DONT need paying!!

 

have you ever had any 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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Yes

 

i had a letter from mbna when i first got into trouble offerring £3,600 payment to clear £10k but i just didnt have enough to eat at the time.

 

Lloyds tsb credit card have said on the phone that for this type of account i could settle for a big discount.

 

Would it be best to keep payplan for the debts that have been good to me ie lloyds credit card that i took out in 2001

and they send me regular statements and have never charged me interest.

 

Remove Apex debts and try to contact Lloyds direct to see whats going on ?

Would lloyds speak to me ? Its for the 10K overdraft that ive paid 4K OFF with apex

 

Im frightened as i have £70k equity and nationwide got a charging order on my property despite me paying ccj without missing a payment

as payplan told me not to bother turning up to court,

besides i was in a mental breakdown.

 

Hope im making sense as i find all this debt distressing.

 

Thank you by the way for your fast responce,

 

i really do appreciate you taking the time for me.

 

I dont know what to do about expertio they have no cca and ve never reclaimed any charges on any of the accounts.

 

I was in an emotionally abusive relationship and my overdraft with lloyds tsb went from 1.3k to 10k in 4 weeks, im sure it was him but head so narled i can not be sure. Why oh why did lloyds allow a 10k overdraft on my account

 

they have no cca from mbna.

Edited by jellycubes
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i think you'd be betrer to start a thread in the legal forum about te nationwide CCJ/CO

 

somethign not righ ththere

 

you can pay them direct

 

and pay lloyds direct [you have your internet banking site]

 

cancel payplan [they wont remove debts in a plan anyhow without closing the plan.

 

they are bank funded anyhow, so not exactly 'to your favour' in situations like this..

 

forget the MBNA debt for now 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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Thank you for the responce.

 

My account was closed along time ago with lloyds tsb account/overdraft.

 

Sorry to ask again but will they still speak to me.

 

Yes id rather pay lloyds tsb, Apex are not reporting my payments.

 

Can i ask what you mean by forget MBNA at the moment, is it the stress factor that could put me under ?

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you dont NEED to talk to lloyds

we;ll do it by letter if needs be.

 

as for MBNA

 

forget the debt for now

its had a discount offered

and no cca.

 

just remember NO DCA has aNY legal powers to do anything!!

 

dx

 

 

can you

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 never realised that a DCA has no legal powers,

wow all this time ive been frightened of what they could do !!!

 

So a DCA can not take me to court ? get a charging order.

 

The deafaults have 3 years to go before they drop off.

 

Im going to call apex tomorow and ask them how the address of the lloyds tsb current account thats been closed since 2008 then write to lloyds.

 

God damn it Apex have sent me all sorts of threats over the years but not a statement !

 

I need to get a grip here dont I,

 

ive paid off 13K SINCE 2008 off my debts and have 23K to go

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NEVER EVER ring a DCA

 

they will threaten all sorts that they will NEVER put in writing.

 

your CAT has more powers than a DCA

 

they are NOT bailiffs and NEVER take people to court

 

welll i say never, they do but only if they OWN the debt

 

annd you must ask the question...

 

why did the OC never do that??????

 

caan i suggest you do some reading in the general debt forum

 

or use our search top right

 

just type in the name of a DCA

 

or the OC of the alleged cebt and get reading

 

time to wise up!

 

glad to help

 

sadly i smelt you'd been cash cowed was trying to break you in easy !!

 

it can come as quite a shock that these companies exist to SOLEY fleece people of money they do mot even owe!!

 

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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:-DThanks DX, i had to laugh about my cat having more powers, lifted my spirits that !

 

Expertio own the debt for mbna it states this on my credit report so will tread carefully with them ! Time to get reading, time to get my crap together..... Time to fight back.

 

Your right none of the original creditors ever took me to court, just passed to DCA withing months. Some original creditors I pay direct, these i will continue. I must look at reclaming too.

 

Slowly slowly catch a monkey, must be careful of stress and mental health so going to take a debt at a time but starting with apex....grrrrrrr a cash cow im sure.

 

I will post up again when i have some news but time to get reading first.

 

Thank you DX, you ve given me the kick up the butt i needed to sort this out

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i certain would not be paying ANYONE that does not appear on your CRA file

without a very careful investigation as to why its not showing.

 

and those that do not have a cca return either.

 

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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your cra file will tell you who owns your debts.

 

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 weeks later...

HI I'm a bit confused on this. If it doesn't show on a CRA File then it's been taken off paid/unpaid after six years. What if you have made one or two payments on the debt tho' does it still make it active and should it still be on file. Thanks

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payments SHOULD be shown on your CRA

however, if a debt was defaulted more than 6yrs ago.

regardless of if you are paying or not

the debt will vanish.

 

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

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 Andrew, just noticed replies to my thread.

 

Struggling with anxiety when tackle these debts.

 

Wish i had someone at home to help me !

 

I know that MBNA have no CCA and nor do lloyds.

 

My debts do show on my CRA file it just that alledgedly I had an overdraft for 10K YES 10K with lloyds that although shows on the CRA file

I pay APEX who never send a statement and the ammount owed on the experian report has not come down and Ive been paying every month.

 

Mental health is up and down since breakdown and everyday I get a bit of togetherness I look at these debts and try to progress with the who s owed and whos not. Its not easy.

 

Most of the debts came about from an abusive man financially screwing me over for money !

Ive no recollection of how or why LLoyds overdraft got to 10k or how they approved it but alledgedly 8 applications of £500 increases were made in 2 weeks online...

...ive no proof now as I was so ill at the time but i dont think it was me, but have to pay the consequences.

 

 

I read recently about men who financially abuse women and women who financially abuse men.

 

Its not till some time after, years in my case that I realise just how much the cost of this mans abuse has to live with me long after he moved on to the next victim

 

I wish wish wish there was someone you could go to to help with mail, sending letters but then im hoping for a saviour thats never coming lol.

 

Seriously though I look at this site everyday and admire those who ve taken the strength to come out of situations as dreadful and worse than mine.

 

Ive 23k to go at 200 a month to payplan.... like a noose round my neck but ive got t dwon from 36k

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I would go into my branch of Lloyds and make an appointment with the manager to discuss how to deal with fraudulent activity on the account.

 

Do you have proof of mental health issues/a brakdown/depression?

I know its sensitive but you are vulnerable and they should be able to work with you on this with an action plan that may also involve the police.

 

Bite off one debt at a time but this one is 'unfair' so I would try to tackle at least this one.

 

I came through an abusive relationship and when you are in it you don't realise what's going on

- psychological abuse is a gradual process

- so I completely understand how you are where you are.

 

But you can't harm your circumstances by trying to sort it out with the bank;

all they can do is tell you to get stuffed and then you are no worse off

- other than you'd be able to put in a Formal Complaint to the CEO and work on their 'gesture of goodwill' mentality...there is no rush.

 

You are paying Payplan so when you ahve the strength get the appointment made.

Well done for getting the debt down - you will get through it!

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as long as the payments ARE going off the debt.

 

in many cases dca's buy debts, and pocket the winnings you pay them

they never come off the debt, so it goes SB'ed.

 

thats why you should never believe any paperwork a DCA sends you.

 

SAR the OC, get the TRUTH upon where your money IS going.

 

payplan or CCS or any fee taking DMP never do any checks upon IF the creditor

they are paying through a DMP is ENTITLED to get the money or if the debt even still legally exists.

 

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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so .... above the OP says:

 

apex have said they are acting on behalf of the clent Lloydslink3.gif.

 

I ve had no statements from them for over 2 years and though the debt has decreased it is still showing £8.5k and not accounting for £1800 worth of payments angry.gif

 

so you really think a judge would ignore the question of where the £1800 has gone?

 

its gone in their pocket, in the meantime as not payment has actually come off the debt, its gone SB'ed - its called cash cowing

 

LINK are famous for this. [many threads here]

so are quite a few of the fee paying DMP companies.

 

kensigton DMP are one of the worst.

 

there are numerous examples of CCJ being taken out against the debtor in a DMP

as kennys got all the paperwork sent tothem, all they did was ignore the CCJ.

 

if the punter never checked their CRA - why would they, their credit was shot anyhow, they never knew

in the meantime all the money went directly to their pockets.

 

dx

 

 

 

there are MANY examples

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 for all the replies. Yes I get paid next week so can afford 10 pounds to send a sar. Ive got no printer so do I hand write ? Who do I contact at lloyds as Ive no address for them just a ref from apex which does not look like my old bank account number (bank account closed 2009) defaulted then too.

 

Im going to tackle this account first as this is the one not showing repayments since apex took over, it was a current account that had a 10K overdraft, how this came about ive written above.

 

If lloyds have a sar will they send me details of two tiny loans under £150 and £500 too.

 

Any help would be welcomed and ive got loads of charges that need reclaiming on all debts credit cards etc. One step at time im going to establish the truth !

 

Yes i have proof of mental breakdown as was referred to a mental health specialist but i can not prove the abusive man took my money as i gave it, i was cash cowed

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