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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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WElcome Finance - Ccj & default for same debt - reclaiming?


kmiah786
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ok then

 

got the ageement

 

AM I READING THIS RIGHT

 

JUST SHORT OF A

 

£3000 LOAN AND HAVE IT OVER 72 MNTHS, THATS 6 YEARS

 

DID YOU HAVE A PREVIOUS LOAN AND HAVE IT RE-WRITTEN OVER A LONGER TERM

IF SO, DO YOU HAVE THAT AGREEMENT

 

CHECK BACK TONIGHT

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Hello Guys,

 

I have a debt with Welcome Finance which at first was car finance then converted to unsecured personal loan.

A CCJ for the debt is placed on my credit file which has about 2 years remaining.

 

Today I received a letter from a debt collection agency Experto Credite for the debt £3397.14 offering me a payment plan of £10 per month.

 

The plan is unacceptable as it will take about 26 years to pay the total debt off.

 

Is it possible to persuade then to write off some portion of the debt and get them to remove the CCJ.

 

Please advice me and provide any template letters if possible.

 

Thanks

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Hi,

 

Please can you advice me on the following.

 

I had a loan with welcome finance for which they have placed a default and a ccj on my credit file.

 

Default date: 09/10/2007

CCJ date: 11/05/2009

 

Can someone please let me know if the above is right to be done. Also the default will be removed as it will reach 6 years soon, is there anyway to use this to get the ccj removed to.

 

I made a SAR request to welcome finance in which they provided a default notice which was not signed and it definitely looked to be recent and was just put in the file.

 

Any suggestions on the above and how to get them removed would be very much appreciated.

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Yes it is correct, the account in default is the record of the conduct of the account, the CCJ is a matter of public record.

 

DNs are NOT kept as copies what was actually sent to you, it's a generic copy of what would have been sent.

 

A creditor just notes on the debtors file that a DN was sent on a specific date.

 

The entries are correct and will not be removed, the default goes after years, the CCJ stays for 6 years from the judgement date.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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nothing to reclaim?

 

penalty fees insurances?

 

most welcome debts have 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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they will each vanish on their 6th birthday

 

theres very little chance in getting the ccj removed before 6yrs as you've left it so long.

 

have you all the statements & agreement copies?

 

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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time for a reclaim then me thinks

 

PENALTY charges [letter/phone/reversed / late / over/ its raining]

AL can be reclaimed at the loans int rate

 

insurances

 

PPI/GAP/mech breakdown etc etc]

 

as well

 

wanna scan up the statements?

 

set your default scan page size to A4 less than 300DPI [150 will do]

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!!

'

BUT......

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

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

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

..

 

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

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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,

 

I have attached all the docs.

 

Thanks for going through them.

 

Further details of the default and ccj:

 

Default:

 

Terms: 73 @ £67 (monthly

Current Balance: £3,397

Credit Limit: £0

Start Date: 29/11/2006

Default Date: 09/10/2007

Start Balance: £0

Default / Delinquent Balance: £3,470

 

CCJ:

 

Court Date: 11/05/2009

NO Date of Birth Info

Ammount: £3,732

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no sri been a busy day

 

will do tomorrow

 

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

working on it 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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notes

 

loan was 73 * £67.26 = £4842.72

 

doesn't look like you can challenge the ccj after al this time

ok the DN is faulty as it does not prescribe an actual date in the format [DD/MM/YYYY]

when it must be paid by

 

and the DN total contains unlawful PENALTY fees.

 

but not a lot I can see wrong else

no PPI no other insurances

 

PENALTY charges sheet attached.

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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nothing worth doing about the default

as the CCJ runs for 6yrs anyhow.

 

Default date: 09/10/2007

CCJ date: 11/05/2009

 

you can reclaim the charges yes

 

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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