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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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consolidated barclays debts from 1999, been paying £50PCM , missed 2, now CSL/P2P calling


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Sounds like Zinc are just another DCA working for BC, who may still own the debt.

 

CRA files should reveal the answer.............

 

:-)

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So, is the BC a/c up to date, or delinquent but not shown on your CRA files.

 

:???:

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The BarclayLoan a/c is delinquent, but not shown on the cra file. It shows no defaults at all.Also only appears to go back 6 years with most accounts.

Edited by sdizzy
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  • 2 weeks later...

We could do with some help from you

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Ok, that's Zinc scuttled off back under their rock for now.

 

I don't think you need do any more for now ....................

 

:-D

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For now ?

what about Barclays next move ?

court action ?

another dca bottom feeder ?

 

If Barclays have paid out on PPI. esp on a refinanced loan, they cannot do anything. They cannot 'have their cake and eat it'

 

This has dropped off your credit files, so they cannot re add it. They can try court, but you have a full defense (Just can't remember the name right now)

 

The only problem you will have is that they can still chase this for 6 years from your last payment. You can ignore this.

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Hi,

Hope you all had a good weekend.

However,

What if a dca tries to take me to court ?

What would constitute a full defence, as per stella's previous post ?

And would it count against them, as opposed to original creditor ?

Edited by sdizzy
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Hi SD,

 

If a debt becomes Statute Barred (not paid or acknowledged in the last 6 years), it remains so and that cannot be altered or affected.

 

The Limitation Act 1980 is an absolute defence if any court action was taken by the OC (original creditor), a DCA, etc.

 

:-D

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What I mean is...between the last payment made... and the 6 year point with no further payments made, what defence could I present if a dca was to serve me court papers?

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If the a/c is not yet SB'd, then you would have to rely on the other defences available to you like :-

 

Availability of the original credit agreement.

 

The agreement must contain the Prescribed Terms such as APR, etc.

 

Whether a DN was issued and was compliant.

 

Etc, ................

 

:-D

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its sb'd prove its not

 

b ythe time they've chased their tail they'd have found out

 

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 it's reached the 6 year point, then no defence is required for the period between the last payment and then. Even it you said, 'I just didn't feel like paying it', it makes no difference, it is statute barred and was up to them to act before it got statute barred.

 

The debt is still there, and they can send you a letter now and then asking if you like to pay it, but they can't use any legal means to force you to pay it.

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Just to recap here, you were paying £50 per month to Barclays until March 2012, you missed a couple of payments in April and May and B's passed the a/c on to CSL.

 

So Statute Barred won't come into play until 2018.

 

It looks like you and Barclays need to agree what amounts remain owing, after the refund of PPI last year.

 

Have you made a list yet of all credit card or loan account penalty chgs on the a/c(s).

 

:-)

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Yes, slick,

 

the last payment was credited to the account on 4/4/12.

 

I have it on the sar data.

 

I missed april & may,(just forgot to pay due to family problems away from home)

and barclays assigned it to a dca.

 

I made 1 payment to them in June 2012 and it doesn't look like it was ever credited to the account.

 

I am awaiting the copy of the cheque from my bank.

 

I am willing to negotiate with barclays over re-servicing the debt, but not to a dca.

 

The sar data shows no charges except interest, which was included in the ppi award anyway.

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Damned right !!

 

If you made a payment, you have to ensure it was paid to the a/c and not into the DCA's pockets.

 

:-)

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