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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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consolidated barclays debts from 1999, been paying £50PCM , missed 2, now CSL/P2P calling


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You can send the CCA request now to Barclays or wait for Zinc to contact and send it to them.

 

I'd go for the former option using the recoveries dep't address.

 

:-D

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  • 2 weeks later...

OK,

i've cca'd Barclays, letter was posted locally 1/2 and dispatched from manchester sorting office 4/2, so they should have about until the 22nd feb to respond ??

 

Meanwhile I've received 2 letters from Zinc,

 

first one was a 'please call' type, which I have no intention of doing.

 

Second one received 13/2, dated 8/2, giving me basically 7 days to find about 5k for final settlement or the account gets passsed to doorstep collection agency

who will 'arrange to visit and discuss my circumstances'.

 

I take it while I am waiting on cca details from Barclays they have no power of enforcement over me ?

 

Should I send a letter to Zinc or hold on for Barclays response ?

 

Will post zinc letter up later tonight.

 

Thanks in advance.

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let zinc wave their willy

 

they are in for a shock anyhow.

 

just remember they have very limited powers

certainly CO NOT

ever pay a doorstepper

nor talk to them.

 

they ARE NOT BAILIFFS!!

 

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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Up to you. You can either:-

 

Ignore Zinc and await the bank's response, or

 

Tell Zinc a formal CCA request has been sent to the bank on xxdate and collection activity must cease until the bank complies.

 

:-)

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Thanks for the response.Is there a template or do I just send a self explanatory letter ?Forgot to mention, they are leaving messages on my answerphone, nothing nasty or harrassing, just 'reminders' to call them, 2 so far in2 weeks

ps here's to willy waving! lol

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Write if you want and keep it simple and to-the-point.

 

Or let Zinc simmer.

 

2 calls in 2 weeks. That's barely contact !!

 

We have cases here when a DCA is calling 5 to 10 times a day between 6am and 10 pm. So I reckon you're getting off lightly for now !!

 

:-)

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  • 1 month later...

cca request is 12+2 days

send the failure to comply & stop payments if you are still paying.

 

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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if you have ceased payment. then nothing

 

debt gone for 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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Share on other sites

  • 5 weeks later...

[ATTACH=CONFIG]43278[/ATTACH]

 

[ATTACH=CONFIG]43276[/ATTACH]

 

Finally received reconstituted cca from Barclays today.

Looks like a photocopied form with black ink entries in the boxes.

Addresses of bank branch and my address are correct but scruffily written in black ink.

No signature or date on form.

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pdf 1+3 need agreement/ref number blanking

 

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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Share on other sites

interesting you paid 73.90 PCM for the PPI on that loan

totally blow even their calcs right out the window!!

 

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 SD,

 

To save going back through the thread for now, are you looking at reclaiming the PPI for any reason.

 

:-)

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Hi slick132,I had a successfull claim back in November last year.I then waited for Barclays Recovery Unit to get in touch about the remaining outstanding debt,(probably my mistake) anf they contacted me in January with another Notice of Assignment, collection to be handled by Zinc.so I snet off for the cca.It just looks like a cobbled together agreement as I stated yesterday.I would rather re-service the remaining debt with BRU than give Zinc a single penny. Not sure where to go from here.where do I go from here ?

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Hi SD,

 

If Barclays have sold the debt, I doubt they'll accept payments now.

 

If you want to pay the balance to Zinc in a manner that you can afford, complete an I&E spreadsheet to show what money you have left each month to pay off this debt, and any others, on a pro-rata basis.

 

You can then tell Zinc this is what you can afford if they want it. If they argue for more, ignore them until they accept your proposal.

 

:-)

We could do with some help from you

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cra file will tell 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... 

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Share on other sites

Is that not clear from your CRA file or from a Notice of Assignment.

 

You should always get a NoA when a debt is sold although you're not entitled to demand sight of the Deed of Assignment.

 

:-)

We could do with some help from you

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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