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    • 7 weeks now. What happens if they don''t get back to me within the 8 weeks? They have to provide me a final response in that time frame right? 
    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
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BC CCA returned not signed. Worried about default after 11 years.


Rayn2036
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Thanks

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If you were still paying in November of last year, it WONT be statute barred ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Indeed so a confusion here.

 

 

The Barclaycard letter have been sent rather indiscriminately I have had one any my account has been properly reported for years.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If it is now a compliant DN but a default has been recorded before then no they can not add one again.

 

Dx I know we have had this conversation before

 

but you really have no evidence that anything is wrong with the way eurodebt have handled this account.

 

Having said that a full statement from eurodebt would be a good idea.

 

It seen it now a waiting game.

 

Will a compliant S78 request turn up before SB is reached.

 

The biggest danger imho is them selling it and the new owners being trigger happy

Any opinion I give is from personal experience .

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dx speaks from a long and varied experience of these DCAs, not just the odd one that he may have personal experience of, and there is much on record regarding Eurodebt and others DCAs that shows how they work (or don't) within law and regulation.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I was referring to this account not eurodebt as an organisation. Without evidence it is wrong to say the op has been fleeced by eurodebt. Something the forum could be liable for

Any opinion I give is from personal experience .

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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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Point taken however all those were several years ago before the OFT tightened up and many DMC's handed back their licences or otherwise exited the market. You can noy judge a company on such old data that is all I am saying.

 

In most markets companies rise and fall and some rise again

Any opinion I give is from personal experience .

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Thank you guys for all your input.

 

Personally, it was my choice to go with Eurodebt because at that time (2002), I never heard of any other company who could have helped me.

 

They managed to reduce my monthly payment to £40 per month from £400 I was paying,

but obviously I had to sacrifice my credit file as I had no other choices.

 

Saying that, they never helped me in any other way.

 

Example - they never asked to see original agreement from my creditors.

 

They never negotiated low F & F settlement.

 

One thing that annoys me now the most is, I was told debt will be wiped out after 6 years.

 

When I raised this question after six years,

I was told what they meant was the CRA file will be clean after 6 years.

 

But hey I have now found helpful people here in CAG and only regret is why didn't I come across this site way earlier.

 

Will be writing to BC as per your suggestions and update to follow.

 

Thank you.

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Rayn

My personal view which I know isn't universally shared is that you should use whatever debt remedy is right for you at the time.

 

I think that the DMC's that still exist are now much better but yes it must be very galling if you are led to believe

that after 6 years you will be debt free and you aren't.

 

It would be lovely if in the bundle of letters you get back from ED there was one that said that but I somewhat doubt it.

 

I used a feepayer for a couple of years and at the time it was the right thing for me to do,

if I got a letter or a phone call I just scanned it and emailed it to them.

 

I had enough stress at the time with my job and facing the size of my debts, in fact even admitting them was a huge issue.

 

When I left them I was sent a full statement .

 

It might have helped that I personally knew the person who ran the DMP.

 

Keep us informed

Any opinion I give is from personal experience .

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  • 3 weeks later...

big deal

 

P2P are a powerless doorsteeping company

just like all DCA's

 

they are NOT BAILIFFS

 

and never ever will have any powers.

 

as for the DMC's saying your file will be clear after 6yrs..

 

it would be clear anyway, as long as the debts are defaulted

 

any debt with a default in the summary line

TOTALLY VANISHES on the defaults 6th birthday, paid or not

 

with a DMC or not.

 

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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Received letter from Power2Contact saying they wants to visit me at my house. How should I respond? They have give me 72 hours to respond. Thank you.

Dear Curr Or Madman,

 

 

Ret. use theirs.

 

 

Re Home Visit,

 

 

I am receipt of your letter dated xx.xx.xxxx, please take note I do not discuss any personal matters with unknown individuals and If such a visit is made your agent/employee will "invited" to leave failure to do so will result in their removal with police assistance if necessary.

 

 

I will communicate only in writing, no telephone calls, e-mails or text messages will be answered to continue to communicate in any other way than in writing will be considered harassment. ( see Appeal Court Judgement Robertson - V - BOS.)

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!

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Brig

Can you please post a link to roberston v BOS as I can not find it

 

However as I have said before I think you mean Roberts V Bank of Scotland

 

http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

 

You could send an edited version of this

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014)

 

Or then there is the less polite version of "insert expletive" If you turn up I will call the police

Any opinion I give is from personal experience .

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Brig

Can you please post a link to roberston v BOS as I can not find it

 

However as I have said before I think you mean Roberts V Bank of Scotland

 

http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

 

You could send an edited version of this

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014)

 

Or then there is the less polite version of "insert expletive" If you turn up I will call the police

 

 

 

Apologies I don't know where the "son" came from Roberts - v - Bank of Scotland, Google Appeal Court Decisions.

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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Hi Ryan,

 

Power2Contact tend not to be too hard to get rid of. If they do attend, simply tell them to leave, refuse to discuss anything, then close the door.

 

See the letter here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014)

 

:-)

We could do with some help from you

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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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Sorry - my last post was made without seeing the replies here on page 4 of your thread.

 

:oops:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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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  • 3 months later...

well that's clearly wrong under ICo

guidelines

 

 

you need to write to BC

stating that the debt was already defaulted on XXXXXX ref mercers letter in the SAR pck

 

 

please remove the new default.

 

 

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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What was the date on the Default notice sent by Mercers originally ?

 

B/shark wrote to a lot of people some time ago to say they had messed up with their DNs and gave the date they would be using on Credit reference files.

 

If you have a copy of the previous Default date then you should challenge this new one.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you DX for your reply. I sent the letter attached after receiving their letter mentioning their intention to default, to which they replied saying they will investigate the default and get back to me. They haven't replied until now but now they have gone and defaulted the account. I would appreciate if anyone can draft me a strong letter to contest this default.

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Do you know the date of the original default.. you say it was defaulted 11 years previously ? If you had made any payments to the account after that default date, then they could claim that you remedied the breach !

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do you know the date of the original default.. you say it was defaulted 11 years previously ? If you had made any payments to the account after that default date, then they could claim that you remedied the breach !

I do not even know if it was actually defaulted at all. That's why I started this thread. But most of the contributor to this thread assumed it must have been defaulted hence I assumed the same.

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I do not even know if it was actually defaulted at all. That's why I started this thread. But most of the contributor to this thread assumed it must have been defaulted hence I assumed the same.

Hi Rayn,

 

 

I suggest you make a SAR to BC asap so you will get all the data on the account.

 

 

Specify you want proper copies of default notices not generic representations of what might have sent.

It is likely as Citizen B has said that this one of BCs foul ups on DNs and reporting to the CRAs.

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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is there a note in the comms/account log of the sar?

 

 

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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