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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Natwest loan - claiming charges & PPI when on DMP


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I took out a personal loan with Natwest in 2005.

 

Although I had previously had loans with Natwest going back to pre 1999,

and this 2005 loan was just a re-finance of the previous loans so that I could boorow more money on top of what I had already borrowed and was paying back.

 

Payments were always made on time each month until 2006 when I got into financial difficuly and I put the debt into a DMP where it still stands today.

 

I have checked my credit report and at no time has the account defaulted.

 

As I have had this account in various forms for an awful lot of years,

I am thinking there MUST be PPI and lots of charges on it which I could claim to reduce the debt down (It started at £31k in 2005 and is now £23k).

 

Can you please advise the following:-

 

1. Can I claim PPI and charges at the same time and whilst in a DMP?

2. How far back can I claim the charges from, just from 2005 when I refinanced the loan or from the earlier years when I first took out a loan in the nineties?

3. Which charges can I claim? Interest? Late payment? Anything else?

 

I have been a slave to Natwest for long enough and now I think it's time I fought back for some of what is lawfully mine!

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I took out a personal loan with Natwest in 2005.

 

Although I had previously had loans with Natwest going back to pre 1999,

and this 2005 loan was just a re-finance of the previous loans so that I could boorow more money on top of what I had already borrowed and was paying back.

 

Payments were always made on time each month until 2006 when I got into financial difficuly and I put the debt into a DMP where it still stands today.

 

I have checked my credit report and at no time has the account defaulted.

 

As I have had this account in various forms for an awful lot of years,

I am thinking there MUST be PPI and lots of charges on it which I could claim to reduce the debt down (It started at £31k in 2005 and is now £23k).

 

Can you please advise the following:-

 

1. Can I claim PPI and charges at the same time and whilst in a DMP? - yes but sep claims

2. How far back can I claim the charges from, just from 2005 when I refinanced the loan or from the earlier years when I first took out a loan in the nineties? - 6yrs from today without court

3. Which charges can I claim? Interest? Late payment? Anything else? - PENALTY charges - [late/over/dd reject/letter/ec]

 

I have been a slave to Natwest for long enough and now I think it's time I fought back for some of what is lawfully mine!

there is no time limit on PPI at all

 

and you refinanced so the ppi rolled over

even more money

 

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 DX, you have answered some questions and it seems I am in with a chance of reducing my debt but I still have more questions:-

 

1. So I could claim back as far as year dot (over 6 years ago) but if I did I would have to go to court?

2. Do I need to stop paying Natwest through the DMP whilst I am claiming?

3. Can interest charges NOT be claimed?

4. I possibly don't have all my statements so do I need to SAR Natwest first?

 

Thanks

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My OH has several credit card and overdraft debts for which he has not made a payment for about one year.

 

Initially,

he informed the OC's of his financial difficulties and offered token payments but none have accepted.

 

Since then,

various DCA's have come and gone and to begin with my OH was also corresponding with them and offering the same token payments.

 

Again, none have accepted.

 

Now that the merry-go-round has begun and each debt is passed from one DCA to another,

my OH has just started to ignore the letters.

 

He's at the point where he's too confused to know which DCA actually owns the debt!!

TBH he's quite happy for one or all of them to say they will make him bankrupt because he cannot afford to do that

and he has no assets and we do not own our home so there would really be nothing to lose

and the debts would be gone so there would be no more freaking out every time the post arrived.

 

I guess there are now different actions that my OH can take and I was hoping you good people on here would have some sound advice on the best option to take:-

 

1. Avoid all contact with DCAs and eventually the debts may become Statute Barred

(I know, this probably won't happen as further action will probably occur within the next 6 years,

although I have heard of some cases on here where the DCA's have gone away for years).

 

2. Set about claiming all PPI's and unlawful charges over the years to reduce the debts down,

THEN ignore every threat-o-gram thereafter in the hope that either

(A). the debts will become SB or

(B). Someone will proceed with bankruptcy.

 

BTW, my OH wouldn't mind making token payments but this would take years to pay off the debts in full.

 

Please help!! Thanks.

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Thanks DX, you have answered some questions and it seems I am in with a chance of reducing my debt but I still have more questions:-

 

1. So I could claim back as far as year dot (over 6 years ago) but if I did I would have to go to court?- for charges possibly yes - ppi no

2. Do I need to stop paying Natwest through the DMP whilst I am claiming? - no but if you see the reclaims would kill the bal, drop them t £1PCM

3. Can interest charges NOT be claimed? - no only on what has been levied on the ppi & penalty chrges [ the spreadshet will do that for you] on

4. I possibly don't have all my statements so do I need to SAR Natwest first? - yes

Thanks

 

 

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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good plan

 

his cra file will tell you who owns a debt 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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option 2 lets see what happens then

then p'haps off F&F?

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 DX,

 

Thanks for your help.

So just so that I'm sure on a couple of things:-

 

 

1. So I could claim back as far as year dot (over 6 years ago) but if I did I would have to go to court?- for charges possibly yes - ppi no

So as I will be making a separate claim for each, I can claim back PPI further back than the last 6 years without going to court but for charges I should only claim back the last 6 years to avoid going to court?

3. Can interest charges NOT be claimed? - no only on what has been levied on the ppi & penalty chrges [ the spreadshet will do that for you] on

Can you please send me a link to or direct me to the spreadsheet you mention thanks?

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1 correct, you could try charges outside 6yrs though see what they o

 

2.http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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good plan

 

his cra file will tell you who owns a debt now

 

dx

 

Sorry DX, me again!...

Just had an afterthought, whilst the accounts will be in the PPI & charges claiming process, will they be classed as "accounts in dispute" and therefore cannot be chased by DCAs or OCs??

Should all correspondence to the DCAs and OCs also state at the top that "I do not acknowledge this debt"?

Finally, my OH's Credit report shows one of the debts which is being chased by Westcot and which we understood to now have been sold to Westcot is actually showing as belonging to the OC. Why would this be? The report was updated on 2nd August.

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reclaims do not put accounts into dispute.

 

wescot are obv trying to spoof you

 

ignore 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... 

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Oh Dear!!! Natwest must be pshycic!!

Today I have received a letter from CapQuest ststing that Natwest has instructed them to consider litigation if I don't respond.

Natwest have been quite happy for this loan to be repaid through a DMP for years and my credit report shows the account is "up to date" (although it was only last updated in July).

Why would I now be receiving this letter from CapQuest and can further action be taken whilst I'm on a DMP?

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scan up that crapest letter pleaae...i hve a plan........

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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 dx, thanks for coming back to me.

Damn, all gadgets are playing up at the mo so its quicker for me to type up the letter contents. The letter is dated 18th August but was received today. It reads as follows:-

 

Our Client:

RBOS (First point to note here is I don't recognise the debt as RBOS. I only know it's Natwest because of the amount owed!)

A/c No: XXXX

Balance: £23988.00

 

We have been appointed by RBOS Plc to contact you directly in relation to the above outstanding balance.

 

Our client has instructed us to consider litigation by 16 Sep 12 if no satisfactory response is received.

 

This firm, together with our solicitors, will endeavour to help and assist you in any way possible to clear your indebtedness without the need for legal action.

However this can only be achieved with your full co-operation.

 

We are presently undertaking various checks and validations to expedite legal proceedings.

These checks will be focused on property ownership, through the Land Registry Office and validation of employment details.

 

Your payment must be sent without delay to the address shown below.

How to make payment and other useful information can be found on the reverse of this letter.

 

Should you wish to discuss this matter and possible ways to resolve this issue contact us on the above telephone number.

 

If no satisfactory response is received by 03 Sep 12 your account together with all relevant details established will be forwarded to our solicitors for immediate action.

Yours sincerely

(Squiggle for signature)

Litigation Manager

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Hi, can anyone advise on my last post here please because Capquest are only giving me a few days to reply before they proceed further? Thanks.

 

Ignore Crapest they are a DCA THEY HAVE NO LEGAL POWERS!!!

 

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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std threat-o-gram

 

doesn't say what action anyhow

 

just clever words to make you think they are goin to court

 

READ IT CAREFULLY

 

it does NOT say ANYTHING of the sort.

 

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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It's just their last line says

"If no satisfactory response is received by 03 Sep 12 your account together with all relevant details established will be forwarded to our solicitors for immediate action."

That reads "WILL be forwarded to our solictors" not "MAY be forwarded to our solicitors" which is usually the case in a threat-o-gram.

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YES

 

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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It's just their last line says

"If no satisfactory response is received by 03 Sep 12 your account together with all relevant details established will be forwarded to our solicitors for immediate action."

That reads "WILL be forwarded to our solictors" not "MAY be forwarded to our solicitors" which is usually the case in a threat-o-gram.

 

no read it properly, !!!!!

 

again you are falling for the implied threat.

 

it DOESN'T say WHAT immediate action

 

just immediate action...

 

that could be the guy going for a ****.

or immediately droppng the whole thing.

 

and anyway

 

its only the next bloke at the next desk in a diff skirt.

 

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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:whoo:

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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