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    • no .....who do you think moneybarn-  are some super power you've paid over a 1/3rd they can't snatch the car and if they do its the best thing they could have done as it would void the agreement and you'd get everything paid back and the car for free.   dx  
    • Thanks for posting up the answers so quickly.   You are slightly wrong in Law that not seeing a notice is virtually a get out of jail card. Were it the case, then every motorist would say they hadn't seen the signs . Of course the signs have to be situated where motorists can see them and the font size has to be big enough to read-perhaps from a moving car so you still have options there-especially if it is a new car park and the bugs haven't been sorted out yet.   Are you close enough to get photos from the car park? especially at the entrance and the payment machine but also other dotted around the car park and any that have different terms on their sign compared to others. try not to get a PCN if you do. If you know someone in Berwick they could send you some pictures. It might cost you a dram but saves your petrol-and maybe your bacon.   You haven't posted the PCN that you should have received from PE after the Finance company gave them your name. Did you receive  a Notice to Driver  -something similar to the one sent to the Finance company.after the Finance company reported you.  No I don't mean the crap you received from DCBL:.   The reason we advise not to appeal is that in doing so the motorist often gives away the fact that they were the driver when they are appealing as the keeper.  Under the Protection of Freedoms Act 2012 if the PCN is not compliant, the keeper cannot be held liable for the alleged debt. And even if the keeper and driver are the same person, should the case ever get to Court PE cannot assume that the driver and keeper are the same person.    If you have given away that you are the keeper and the driver it is not fatal as there usually other things that  can be challenged and won but it is best practice not to appeal in the first place.    
    • That was over very quickly.   Whilst the claimants legal representative was going through the witness statement the judge highlighted that the statement of truth was out of date.    During my time to talk I highlighted that the judge from the allocation to small claims track had requested that the claimant also sends through the signed agreement (that the statement of truth references) by both company directors with witnesses present. It was noted that this hadn't been done.    I am very happy to announce the judge was then quick to dismiss the case, all this taking place within 15 minutes. The judge also highlighted the discrepancy between the signage of 1hour and 1hour and 30 mins (which I received during the freedom of information request) to which the legal representative admitted he had not seen. The fleecers hadn't forwarded on the freedom of information request or my witness statement/defence to him.    Speaking with the legal representative before the case he had asked if he could look over my defence, I was reluctant to let him look before the case but was curious to what defence he could conjure in 5minutes so I accepted. He then said that he would ask the judge for proof that I had sent my defence in good time, I showed him (before the hearing) an email I sent on the 6th April that I had infact sent it to DCB Legal, after this he did not mention it in court. It was clear that he had received very little information in regards to the case this was something he conceded at the end.    The judge asked for any final words and I brought up the topic of exceptional expenses due to the nature of the case being so definite. Also wasting everyone's time in the court room, the fleecers should be given the harshest penalty. She advised that I had not submitted a counter claim and that the maximum would be £95 for loss of earnings expenses.  We then proceeded to work out how much my salary was etc and the fleecers legal rep accepted I should be awarded the maximum.   I would like to thank you all for your help and time with sorting through this with me! Once the expenses have been paid I will make a donation the the page!!! Thanks again!!!  
    • Dropped forms off at court, was hoping they’d check them for me but just had to post them. So no fee paid also no case  number on the form as I assumed they’d fill it out. Hopefully all is ok, I did add a sticky note with my number on asking to call for fees or any problems so hopefully be ok.   Also posted SAR yesterday and already had an email acknowledging the request.   My 7 days to agree to the consent order is now up. Not heard anything from moneybarn yet though.   I know it’s not required but I’m unsure if I should tell them I’ve applied for a time order?
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Amex /rma resolve/uca/nco


Annie71
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Please help me on this .

 

Are these all the same people.

 

I had letters from rma then uca.

 

When I wrote back I got a reply from nco europe.

 

My debt went to moorcroft and has now been passed back to uca.

 

Uca and rma seem to have a very similar address.

 

I need help understanding who is who.

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who's the owner of the debt on your credit file...

 

sounds like you are on a phishing list

 

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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On my credit file it is american express.

 

At first Amex told me it was being collected by RMA but then UCA wrote to me.

 

When I replied I got an answer from NCO europe.

 

It went quiet for a while when Amex wrote to say moorcroft would collect it.

 

I wrote to moorcroft asking for proof of the debt and money owed .

 

Now amex have written back saying that it has been with rma and moorcroft but would now be going to uca.

 

I can only assume moorcroft got spooked and returned it.

 

It was a nectar credit card

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if amex are the owner you can safely ignore the dca's until its sold on.

 

so what do you actually owe to amex anything?

 

have you looked at charges/PPI?

 

whats the default date?

when did you take the card 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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Thank you dx100uk.

I was wondering if amex rma uca and nco were all interconnected as the communication has been confusing.

 

The card was taken out in 2005 and defaulted in 2011.

 

The balance on the card is £3000 and I have been making payments as and when I can which is why I think it gets passed around.

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TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

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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start this process with amex.

 

if you've not got all the statements

then send an sar to amex..too.

 

none of those are amex though some are linked to each outer.

 

pers i'd not be entertaining nor paying any DCA

 

if amex own the debt

 

deal directly with 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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Share on other sites

Thanks again dx100uk but this isn't what I was asking.

I think I can deal with them but I am trying to find out if amex rma and uca are linked in any way so I could report them for being deceptive.

 

I think I need to send a request for the agreement to them.

 

From reading about the default notice is not correct as it just states an amount to pay and 14 days from the date of this letter. It doesnt say how much over my credit limit I was .

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doesn't matter they can do nothing

they don't OWN the debt

 

amex have no in house dca

 

anyway

who are UBC

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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I looked on the oft register and they are all the same company however in july last year the ccl was surrendered and the new one doesn't include UCA. If UCA do write to me I will ask them for their ccl number

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wh they cantdo anything

 

what does UCA stand for it rings a bell to me

 

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

UCA are also called united creditors alliance and are both trading names of NCO europe or were on the CCL that was surrendered in July 2013. They do not appear on the new one however. I have seen a few comments on the internet saying they are part of American Express.

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ah that lot...http://www.consumeractiongroup.co.uk/forum/showthread.php?185287-Who-are-the-United-Creditors-Alliance

 

rma re the same too.

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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