Jump to content


  • Tweets

  • Posts

    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Been paying DLC for 5yrs on old Abbey Card 'debt' - NO CCA!


salbee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3483 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Yes, you should have received statements in with your SAR.

 

I suspect they have a policy of shredding anything older than 6 years, which IMHO is wrong, according to Money Laundering and Tax laws they should keep all financial data for 6 years after the financial relationship has ended - if this account is still live, then they should have those records.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

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

2: Take back control of your finances - Debt Diaries

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

4: Staying Calm About Debt  Read Here

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

BCOBS

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

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

3: Banking Conduct of Business Regulations - The Hidden Rules

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

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

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

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

Link to post
Share on other sites

  • Replies 208
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i think you need to sar DLC

 

me thinks you are 99% to this being paid off.

 

something smells.

 

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... 

Link to post
Share on other sites

I've noticed that some banks and in particular santander are only providing statements with a sar if they are specifically requested.

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:

Link to post
Share on other sites

I got a letter addressed to me only from DLC offering me help with the impact of the "credit crunch" - to pay them only £10 a month by DD or a 50% discount of the total amount owing if I pay in 21 days. The o/s balance is over £6K so that ain't gonna happen! I guess it's better for them than the £1 I am currently paying. I really don't know what to do - should I ignore? I know I have the CCA from the OC but this shower have provided nothing to date and I am stuck...

Link to post
Share on other sites

aha

 

discount letter

 

ignore!!

 

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... 

Link to post
Share on other sites

  • 1 month later...

Hi guys

 

Today a new problem - a letter addressed solely to my husband from MDB (mercantile data bureau ltd) an associated company of DLC. Letter states account has been transferred to Bureau Administrator due to continued failure to discharge the current liability & all future contact relating to account should now be with her. She urges him to call her to give the opportunity to discuss before any action taken.

 

No mention of me anywhere in the letter.

 

Please help!!!

 

Thanks

 

Sally

Link to post
Share on other sites

Hi Sally,

#Send the following to them by Recorded Delivery.

 

Ref: as on their letter.

 

Madam,

 

I am in receipt of your letter dated xx xx xxxx and the contents have been noted.

 

Please not we do not deal with financial matters by telephone contact at any time.

 

Also you must be aware that this matter is disputed and that this a joint account, why has xxxxxxxxxx not received notification of the matter being transferred?

 

This lot are the ''background check makers''.

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:

Link to post
Share on other sites

  • 2 weeks later...

total your payments up?

 

re-read the thread

 

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... 

Link to post
Share on other sites

OK I have totalled my payments up and they are out

- they are all listed but their sums are wrong.

 

Even with the adjustments on the balance sheet their balance o/s states £6090.83 but it adds up to £5811.83, a difference of £279.

 

The telephone operator's accounts make interesting reading

- no mention of anything about me asking them to deal in writing, referring them to letters etc. But why would it, it is of no benefit to them.

 

So...I

 

have re-read the whole thread and it seems I have received as much info as I am going to get via the SARs.

 

It didn't help that the info supplied by OC's SAR was so weak.

 

I guess I will have to review what I am paying them (currently £1) because I want to get this debt off my back.

 

Any advice on how I should word this - and how best to put the bit about the £279 that has 'disappeared' from the total?

 

Thanks much as ever x

 

Many thanks

Edited by salbee
typos
Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

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... 

Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

dx

 

Hi dx, can find no penalties on either SAR...

 

Sally

Link to post
Share on other sites

now that ifind very strange.

 

am i reading this correct that your payments to dlc ARe showing on the sar from satans bank?

ALL of them

 

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... 

Link to post
Share on other sites

now that ifind very strange.

 

am i reading this correct that your payments to dlc ARe showing on the sar from satans bank?

ALL of them

 

dx

No there's nothing on the statements regarding dlc from OC

Sally

Link to post
Share on other sites

ok then embarrassing question to DLC

 

WHERE HAS MY MONEY GONE I'VE been paying you....

 

 

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... 

Link to post
Share on other sites

well, I received another letter this morning from DLC enclosing the CCA from OC but minus the loan T&C's (to follow when available).

 

First para states they acknowledge request to write only with the proviso we keep them regularly updated!!

 

They say dispute is not valid (as stated in last letter).

 

They enclose the same statement as enclosed in the SAR but also one from satans bank.

 

Funny how they couldn't provide me with one!

 

Payments go back to Jan 02 ending Nov 07.

 

DLC statement commences Dec 07 as it should.

 

The OC transaction summary shows loan 15K, interest charged £4996.20 - total £19996.20.

 

We paid off £9571.77 before DLC took over leaving them a balance of £10424.43.

 

The statement they sent me this time has been added up correctly!!

 

The letter apologises that the transfer to MDB was made in my husband's name only and have now arranged my side of the account to be transferred also.

 

So does this mean I have got a whole new set of people to deal with? I feel ill...

 

Thanks

x

Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

dx

Hi -

Should I query the "cancelled" entry on the OC's statements? Who do I query it with - OC or DCA?

 

Thanks x

Link to post
Share on other sites

OC

 

never converse with a DCA!!

 

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... 

Link to post
Share on other sites

OC

 

never converse with a DCA!!

 

dx

 

I just spoke to OC collections and they confirm they cancelled the debt in Dec 06 then sold it to DLC. They don't know for how much (won't say?) and suggest I ask DCA!!

 

What should I do next?

Thanks

Sally

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...