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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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In oct 2010 I defaulted on a wonga loan

 

I asked for a repayment plan but they refused my offer.

 

I then moved house and forgot about it.

 

Arrow global sent me a few letters and marked my credit file.

 

Dec13 I moved house again.

 

Then the credit marker from AG dissapeard in Jan14.

 

Feb14 1st letter from MMF saying that they were dissapointed that I hadnt responded to thier previous comunication. (None was recieved)

 

then subsequently letters advising a home visit if I didnt contact them and offers of a discount

 

forward to today a "person" Arrived and handed a letter to my partner at my new address.

 

She had no idea about this loan.

 

They are asking for an appointment to visit

 

Iv never recieved a notice of assignment and I have never Acknowledged any of thier letters.

 

Do I

 

a) ignore them till they try a more serious approach or

 

b) write to them and ask for proof that they own the debt and and also tell them u have no intention of offering them a home visit

I can see from the threads that these vultures are particularly persistent any advice would be gratefully recieved

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What was this letter your partner was handed?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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OK MMF is full of underhanded tricks.

This company is best met head on if they have old addresses the old DCA trick of sending a court claim to such an address could well be a problem.

 

 

So send the following letter by recorded /signed for post, and check delivery.

 

 

For the Personal Attention of:

 

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

 

Date:

 

 

Ref: use the one on the letter.

 

 

Dear Mr Sands,

 

 

I refer you to a letter delivered to my home on xx/xx/xxxx in which MMF Ltd requests an appointment for a "home visit" please take note under no circumstance will I make any such appointment.

 

 

I will not discuss any matter with unknown persons visiting my home, any such visitor will be invited to leave immediately if they fail to comply they Will be removed with police help if needed.

 

 

I am aware that MMH likes to believe it does not have to comply with my wishes but of course this theory has no merit.

 

 

I have no knowledge of the assignment of any alleged debt to MMF and deny any liability to MMF.

 

 

I will not deal with this matter other than in writing, no e-mails, telephone calls, landline/mobile/ sms text messages will be answered.

 

 

I require unequivocal proof of any liability I may have for the alleged debt.

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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It was the letter inviting me to make an appointment for a home visit so they could discuss my outstanding wonga loan. With amount details etc on it.

 

In her own words he was an obnoxious speccy little prick with weegie (glaswegian) accent

 

Thanks for that letter brig. Ill send it off to them asap.

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It was the letter inviting me to make an appointment for a home visit so they could discuss my outstanding wonga loan. With amount details etc on it.

 

In her own words he was an obnoxious speccy little prick with weegie (glaswegian) accent

 

Thanks for that letter brig. Ill send it off to them asap.

What an excellent description of an MMF representative!!

 

 

Worthy of that company indeed.

Let me know how you get on please.

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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It made me chuckle

Will do

I'm still laughing it is so true of the sad individuals these companies use.

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...

Surprise surprise. 2 further letters threatening home visits have arrived. Im looking forward to the little oik turning up so that I can introduce him to my three dogs then remove him from my property using only reasonable force if necessary of course 💪

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Surprise surprise. Since I sent that off iv had two further letter threatening a hime visit. Im now looking forward to the little oik turning up so I csn introduce him properly to my three dogs. And then invite him to leave my property and if necessary use reasonable force to help him if he refuses to do so 😎

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posts moved to your own thread

 

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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