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    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
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on line creditcard agreementMBNA - link chasing me


Bob G
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This is my first post on a forum thank you for taking the time to read it,

 

I was sent a hardly readable copy of an online credit card agreement from Link Financial

with my name and address and a tick in the agreement box dated 01 April 2008,

 

at no time have I ever received any other agreement from the original credit card company MBNA that I have signed.

 

I am contesting this agreement that there was no follow up paperwork.

 

Also how can Link Financial claim I owe them the money when my original agreement was with MBNA?

 

Maybe someone can explain the relevant laws etc.

have been told that in the States they would have no legal powers,

is that the same here.

Thanks

Bob

:???:

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hi BG

 

never ever trust anything link say or do

they are out to fleece you

 

what does you cra file say about this debt?

 

see below

 

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 Welcome to CAG.

What occurs under US law wont help here.

1. Online apps the tick box is accepted as a signature.

 

You need to make a CCA request under section 77/78 of the Consumer Credit Act 1974 to get a copy of the agreement from Link.

Ues the template letter from the CAG library. There is £1 statutory fee and Link have 12 + 2 working days to comply.

 

Are link acting on behalf of MBNA or has the debt been sold, if it has been sold then it is the ''whole agreement'' that has been aquired and that's how you now owe a third party.

 

When was this agreement started? When did you last make payment or written acknowledgment of the debt?

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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As the brigadier says the fact it is 2008 means a tick box is fine for a signature and once they have provided an agreement it will be enforceable.

I suspect that link have bought the debt but that is something you need to check.

Any opinion I give is from personal experience .

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Hi

The last payment made was October 2011;

 

Link bought the debt 29 August 2012. I

 

have already done the above with MBNA and also with link and on both occasions their replies were outside the statutory 12+2 days.

 

At no time was I ever provided with the original terms and conditions, only an up to date one by MBNA.

 

Link has only provided the ticked agreement.

 

Would it be helpful if i typed acopy of the agreement Lonk have sent me?

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get your cra file

 

see below

 

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

why do you think you need to pay link ?

 

let get the facts of how the industry see your debts.

 

for a start it will show if link do own the debt

 

and if they are trashing your file.

 

with link you need all the facts

 

and NOT believe anything they say or write

 

wanna know where all the money goes when people pay link...

 

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

 

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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ok bob

 

what is the default date and the opening date

 

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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do the figures match with links demands too

 

looks likeyour going to be relying upon PPI or penalty charges here

 

got all the statements from MBNA?

 

dont think you can argue on the agreement side

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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The agreement will be pretty much cast iron enforceable. As dx saysmaybe you have Ppi.

 

I have an online app from amex dated 2006. Luckily for me it is UE under S78 as what they sent me wasn't even an application form but data about me from their intranet .

Any opinion I give is from personal experience .

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Dx all that article shows is how profitable debt purchase can be not that anything understand has gone on. Trust me i hate them as well but it is part of a perverted capitalist society and greedy financial sector.

Any opinion I give is from personal experience .

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According to my last MBNA statement I owed £8563.89 on Link's letter I owe them £8575.89. Also there is no PPI. Also my credit limit was £8300.00 but with charges ect it went over.

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there is something very wrong somewhere if MBNA has sold a debt of that size

 

you need to SAR MBNA and find the reason.

 

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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as in post 16

 

 

always the OC original creditor

 

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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no let 'em sweat.

 

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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