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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Paying DLC on a Blackhorse debt sold to them,,- help


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Ok brill thank you both :)

 

I still have had nothing so going to send a follow up letter to the cca to DLC and See what they say

no need to chase, they know what they have to supply

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

sorry not yet, been away alot but

 

will have a good look at the figures at the start of next week.

 

Just had a very quick glance through and

 

the vt doc they sent you to sign,

 

they charged you £75 to collect the car.

 

Cant do that,

must either arrange a local drop off point or arrange free collection,

 

so you'll be wanting that and 8% int on it knocked off for starters:-)

 

I trust you havent had a reply to your cca request yet?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Haha good start then :)

 

Nope still no CCA,

 

as you said they know what they have to supply i didnt send a follow up letter,

 

but havnt had any phonecalls that i am aware of or letters from DLC since either..

 

And still nothing added back onto my credit file since the original disappearance of the Blackhorse entry

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  • 2 weeks later...

Quick update:

 

I had a letter today from im assuming a DCA which were acting on behalf of DLC,

 

they said that i have stopped paying and are chasing again,

 

however still nothing back from DLC regarding my CCA request..

 

Should i just ignore the DCA letter?

 

Or call/write to them and update on the situation regarding the CCA?

 

Rouge any joy finding time to have a closer look?

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which DCA

 

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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I have had a long look at this and sadly there does some seem to be a liability remaining by my calcs of £3538.41.

 

To explain- Agreement total

 

£17601.80.

 

So amount to VT £8800.90,

 

less deposit paid £833,

Less payments to BH £4174.61,

less payments to DLC of £160

leaves bal of £3633.29.

 

You then require a refund of £75 +8% to date,

for the collection fee , £94.88.

 

This leaves a balance outstanding of £3538.41.

 

The difference is because of charges and extra interest charged by BH.

 

(who have in a very convulted way treated your ac as a vt).

,including a charge of £200 seemingly for the vt itself.

 

So you will need to put the ac in dispute because of the penalty charges

which in no way reflect the costs to BH,

and they cannot charge at all for the vt

and collection of the car.

 

I can find no fault with the ag or dn .

 

Personally I would wait until they produce the cca,

and then dispute the charges with DLC and their inhouse dca.

 

This should delay matters further.

 

I will keep a close eye on this for you

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Ok, thanks Rouge :) I will see if they produce anything for the CCA request and upload it when / if it arrives.

 

So far as of yet there is still also no other entries into my credit file, by blackhorse or DLC.

 

Would it mean anything in my favour if Blackhorse wrote the debt off as a bad debt as it says in the SRA?

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write off is against tax

 

doesn't mean they can't sell it on sadly.

 

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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more in your favour would be,

living with parents,

no income,

no assets,

 

use these reasons along with disputing charges and see if you can get them to write the debt off,

after they reply to your cca request,

we can consider a letter to them at that time

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 1 month later...

Hi guys

Update:

 

Had a response from DLC saying this is a copy of the original signed agreement

How does this look? Two pages? Is this enforceable?

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Hi,

don't know how far you have got with this.

 

DLC have now taken over 2 of my debts

- I am with a debt management company

but DLC seem to be running rings around them.

 

They will not accept my offer of early resettlement for lower figure.

 

I am told that they have probably bought the debts for 10p in the £, and

 

after a fended off them wanting to put a charge on my house for one debt,

 

they have bought another of my debts, and

 

think are gearing themselves up to buy all so that they can get me legally.

 

My sister says that she will lend me just over half of what I owe in total, and I would like to do an early settlement.

 

How do I go about this and how do I find out what they bought the debts for

 

so that I can pay that amount only (which seems fair to me)??

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KA

 

you need to start a new thread

 

of your own

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 guys

Update:

 

Had a response from DLC saying this is a copy of the original signed agreement

How does this look? Two pages? Is this enforceable?

 

that's enforceable

 

but IMHO makes no odds at all.

 

they spoofed you into VS when it should have been VT

 

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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Ahh fair enough - so is there anything i can do about that? As i have now already woken up to a missed called from DLC im guessing trying to chase everything up now.

 

Or if the paperwork is legit then theres nothing i can do?

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you were spoofed into VS when it should have been vt.

in this instance, the agreement means nothing [that they have it}

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 that sounds promising - but how would i go about contesting this? Is there any formal letter or any procedure i should follow to enquire about it?

 

As i now have DLC chasing again is there anything specific i should tell them?

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As i now have DLC chasing again is there anything specific i should tell them?

 

Yes, living with parents,

no income ,

no assets,

cant offer any payment,

 

please write off

 

(when this sinks in , I doubt very much that they would want to spend money on endless chasing or other actions)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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DLC as proud owners of the account:-D

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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we don't close threads

 

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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