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    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
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An untimely conundrum


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Hi there. I'll keep the story short:-

 

Back in 2003 I'd had some very bad dealings with Barclays Bank, i'd gone overdrawn and they were pushing very high bank charges and making things worse and worse.

 

Eventually my Mother helped me to payback a lot of the debt however there was about £100 pounds that never got paid and at the time i let it hang thinking of all the charges they'd made against me.

 

I moved on and they never chased me up... till recently.

 

I now find I am being billed by a debt recovery service (Global Debt Recovery LTD) for the ridiculous amount of nearly £1500.00!

 

I have not as yet replied to these letters but they seem to be pushing hard though they have not as yet sent a notice for court procedure. But have said they will procede further if payment is not forthcoming.

 

Admittedly I should not have left a £100 debt go on for so long but now I am worried sick as to what I should do about this.

 

It dates back so far that I have heard somewhere that their claim on the monies may not be valid anyway.

 

Could someone please advise me on this and as to what I should do.

I would be very grateful for any help regarding this, thank you.

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

 

check 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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Hi

 

If you haven't made a payment on the account or acknowledged it in writing for a clear period of 6 years (5 in Scotland) then it is Statutory Barred.

 

ims

 

Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

check your CRA file

 

dx

 

Not sure what a CRA is.

 

By them having no legal powers does this mean I won't have any problems with bailiffs? (this is a real worry to me)

And do they (the bank) have to push it to court before any bailiffs can get involved?

 

Thank you for responding so quickly.

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Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

If you could im me the SB letter link I would be grateful as I've not found that yet. Much appreciated.

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Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

 

dca's rarely do that

dont foget they have no legal powers

 

they are NOT bailiffs and never will be

 

you or could be a dca tomorrow

 

they just sent threat-o-grams thats 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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Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

.

 

well yes else anyone could look at your info

 

if you have a card of anytype its instantaneous almost

 

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 a point about Noddle. I am a member and although they are the smallest of the CRAs, the information is laid out in an orderly way. Much easier to read than the others.

It doesn't matter if you are worried about signing up. If a DCA wanted to find you, they would have done so long before this bunch

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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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

 

I think you got lucky there.

These people usually want to see proof in such instances. I know this because another dca was chasing a previous tenant at this address and it got nasty with bailiff notices and the like.

When telling them they no longer lived here they said they would need proof of that.

 

I think (though not entirely sure) that in such instances proof does not necessarily have to be given from a third party to verify such information involving someone else's case.

Anybody know anything about that?

Just curious, as it did put me on the spot at the time. (a little off topic but nevertheless interesting).

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Hope you get it sorted , don't worry okay.

 

Like the poster above said, after 6 years a debt is statue barred so legally they don't have a leg to stand on, DCA buy these debts from companies and they know they have 6 years to collect it or they lose money which is why they are trying to get money from you, I seriously wouldn't bother with it

 

I prob did get lucky lol but I have had issues with DCA in the past and they have NEVER took me to court or sent bailiffs, they rarely do. I set up payment plans with them at like £10 a month . They say all this in letters to frighten people and get them to pay up.

 

:D

Edited by Hotlips85
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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

 

Thanks for your help. Very much appreciated.

 

I'm still very reticent at getting involved at this stage though to be honest. Thinking maybe wait to see if it just dies down y'know.

 

If they take things too far and hassle me at home ie a visit then yes, the information given here is extremely helpful.

Thank you for putting my mind at ease.

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Just some additional info for peeps in similar circumstances:-

 

The letter I'd received had a place where to fill in 'Credit Card/Bank Details' and suggesting to fill in an amount that 'I would set myself to pay weekly/fortnightly'.

 

Given the advice on this thread this would seem to agree with what's been said and that they are just chancing there arm at trying to get payments made when they seemingly have no legal entitlement to the monies.

 

Hope this helps anyone in a similar situation.

Again many thanks to the members here for all the helpful advice.

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Just don't worry , there is nothing they can actually do, they don't have a leg to stand on and they are making a last ditch attempt to get some money from you l.Forget about if you can cause they are not worth worrying about at all. I hate DCA , they literally have no powers just big words, my nan got one one day because of BT passing it on to them, she was in a right state, crying etc because the letter threatened court action, it's all bull**** and I hate what they do, they are just like loan sharks. Take care x

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