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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
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    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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DCA adding costs to Ann Summers debt - was a party planner


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Just a quick question regarding what a DCA can and cannot add to a debt.

 

We received a letter today as a debt has been passed onto STA International.

 

As well as the original debt there is an extra £63.83 for 'Collection Costs'.

 

This seems a little ott just to send a letter.

 

Are there any guidelines as to what they can add to the debt?

 

Thanks Lee.

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Unless it is specifically stated in the Original Agreement, then no additional charges can be added

 

You should send them a "prove it" letter in the first instance, if they have no right to collect the debt, then they have no right to add charges

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whats the debt all about?

 

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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  • 4 weeks later...

Sorry for the delay,this debt is actually my sister in laws so had to wait.

 

it's an Ann Summers debt as she was a party planner(?).

 

She used the little she was making by putting it back into ordering things to top up her things that she already had.

 

Things were going well so she could keep on top of it but then it got a little slow and it all caught up with her.

 

Now she doesn't work for them anymore.

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that explains the low bottom feeder dca then.

 

have you got all the statements?

 

is it on her cra file?

 

what agreements has she signed over the years?

 

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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She kept on top of the statements, there's nothing questionable about the amount owed.

 

The rest I will check, especially the paperwork as the person who was in charge of her wasn't exactly a stranger to cutting corners.

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  • 2 weeks later...

that's a std if/but threat-o-gram

 

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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instructed means the same.

 

instructed, does not mean they will

nor that they have the legal right to do so

or the case

 

pers i'd let it ride.

 

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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  • 2 weeks later...

Another few questions.

 

Should I ask them to prove the collection fee is valid through her agreement with AS?

Also, as this is not a loan type debt how are these DCA regulated?

 

Thanks Lee.

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pers i'd not enter letter tennis

 

ignore them

 

as for their 'rules'

 

they are in a world of their own,

 

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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pers i'd not enter letter tennis

 

ignore them

 

as for their 'rules'

 

they are in a world of their own,

 

dx

 

If she ignores them though what is to stop them from returning the account back to the owners then the owners just getting in with court proceedings?

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have you done post 8 stuff?

 

and how much is the debt?

 

pers I doubt anyone will do anything.

 

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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don't pay a dca that's for sure

 

you need to findout who owns the debt

I bet its still with AS.

 

is it on here cra file at all?

 

and how old is the account ...

 

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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Care needed with the solicitors Hadfields of Welling Kent nasty reputation as has STA.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

Needing some more advice please.

 

she has decided to try and come to some sort of arrangement however we are only a few emails into things and the lies have started!!

 

she sent an email detailing her situation, this was not passed onto the person dealing with the account.

 

She sent another email with a copy of the previous email.

 

She received a reply saying that the email had not been passed to the person dealing with the account and an I&E form to complete.

 

This was completed and returned.

 

She then got an email today claiming she had not been in contact so sent a complaint.

 

She was then contacted by the person dealing with the account who stated

a)the she had not sent the I&E form (she had, it's still in the sent box) and

 

b) that she had not even opened the email that contained the form.

 

This is a false.

 

She also asked for a breakdown of the costs involved and was given 'for being passed to us' as the reason.

 

Can I also ask.

 

How are these companies regulated?

 

I'm used to dealing with DCA's trying to collect for outstanding loans but do these ones differ or can she still complaint to the OFT

and take the complaint to the FOS after 8 weeks?

 

Thanks Lee

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why are you negotiating with them at all?

 

IS this on her CRA file?

 

no DCA has ANY LEGAL POWERS

they ARE NOT BAILIFFS.

 

if she does owe money

 

CONTACT AND PAY AS

 

IGNORE THE DCA

 

and NLY A JUDGE

 

has any right to demand her PERSONALL FINANCIAL DETAILS.

 

 

 

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.

 

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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