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    • My WS as I intend to send it... any problems anyone can spot?         In the county court at Middlesbrough Claim No:  Between Vehicle Control Services Limited (Claimant) V   (Defendant) Witness Statement Introduction It is admitted that the Defendant is the registered keeper of XXnn XXX   Locus standi/bye-laws and Relevant land Schedule 4 of the Protection of Freedom Act 2012 (PoFA) allows recovery of unpaid parking charges from the keeper of the vehicle. However, the first paragraph 1 (1) (a) states that it only applies “in respect of parking of the vehicle on relevant land:”. The definition of “relevant land” is given in paragraph 3 (1) where subsection (c) excludes “any land ... on which the parking of a vehicle is subject to statutory control”.  The bus stop is not on relevant land because the public road on which that stand is on is covered by the Road Traffic Act.  Notwithstanding that the claimant claims that " the claimant has given the Defendant its contractual licence to enter the site", the claimant has not given any contractual licence whatsoever. This is a road leading to/from the airport which is covered by the Road Traffic Act.  A list of highways on the Highways act 1980 does not even exist. The defendant brings the attention of the court that VCS is using this non existent document issue as a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. While it is true that landowners can bring in their own terms, it is also true that whatever terms they bring  cannot overrule Byelaws and the Road Traffic Act. If Bye Laws are involved then the bus stop is not relevant land and neither is the specious argument about First Great Western Ltd. Is the claimant ignorant of the Protection of Freedoms Act 2012? The road outside of Doncaster Sheffield Airport is not relevant land and is not covered by the Protection of Freedoms Act. That makes the charge against the claimant tantamount to fraud or extortion. The claimant mentions a couple occasions where they have won such cases. It is brought to the attention of the court that none of those cited cases were on airport land. VCS actually has also lost a lot more cases than they have won using their prohibitive signs.  Airport land is covered by Bye Laws and hence the claim by VCS is not applicable in this instance. The remit of VCS ends in the car park and does not extend to the bus stops on public roads or land which they have no jurisdiction over. All classes of people go to the airport. This includes travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers and buses with passengers. It is therefore absolutely ridiculous to attribute VCS with any sort of permissions. The defendant submits that VCS should not confuse a major thoroughfare with a car park and presume to act as land owners and usurp the control of any land which is not relevant to them.   Protection of Freedoms Act The clearest point on section 4.1 of the Protection of Freedoms act is that “The provisions in Schedule 4 are intended to apply only on private land in England and Wales. Public highways are excluded as well as any parking places on public land which are either provided or controlled by a local authority (or other government body). Any land which already has statutory controls in relation to the parking of vehicles (such as byelaws applying to airports, ports and some railway station car parks) is also excluded.” Therefore, as this case pertains to an airport, the claimant unlawfully obtained the registered keeper’s details against the defendant’s vehicle. Thus, on this basis alone, the defendant implores the court to throw out this case. Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, the claimant is put to strict proof that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. 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;” Without such proof the court must of necessity throw out this case forthwith.   Deceit, Intimidation and Extortion The Claimant’s Particulars of Claim include £50 legal costs, yet in the letter dated  03/06/2021, the Claimant stated that they were no longer represented by Elms Legal and all further correspondence should be sent to the VCS in-house litigation department. Why should the Claimant be asking the Defendant to contribute to their employee’s salary?  Furthermore, as per another letter dated 30th July 2021, the Claimant wrote, ‘Should you fail to accept our offer of settlement then we will proceed to Trial and bring this letter to the Court’s attention upon question of costs in order seek further costs of £220 incurred in having to instruct a local Solicitor to attend the hearing in conjunction with the amount claimed on the Claim Form.’ I find this an extraordinary statement given the Claimant knows legal costs are capped at £50 in Small Claims Court. I cannot think of any reason why the Claimant would write this letter other than to intimidate the opposing party with the threat of an extortionate sum of money, hoping they would be able to take advantage of someone not knowing the Small Claims Court rules. Given that this letter came from the Claimant’s in-house litigation department, clearly well-versed in the law, this cannot be anything but deceitful and disingenuous behaviour which the court should never tolerate.    Contractual costs / debt recovery charge  In addition to the £50 legal costs, the Claimant is seeking recovery of the original £100 parking charge plus an additional £60 which is described as ‘debt collection costs’. In the Vehicle Control Service v Claim Number: 18 on 4th September 2019, District Judge Jones-Evans stated, ‘Upon it being recorded that District Judge Jones-Evans has over a very significant period of time warned advocates […] in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court in Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law. It is hereby declared […] the claim be struck out and declared to be wholly without merit and an abuse of process.’  In Claim number F0DP806M and F0DP201T, Britannia v Crosby went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of White & Wiltshire. District Judge Taylor echoed the earlier General Judgement or Orders of District Judge Grand stating, ‘It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedom Acts 2012, Schedule 4 nor with reference to the judgment in ParkingEye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the Civil Procedure Rules 1998…’ Vehicle Control Service v Claim Number: 19 51. Moreover, the addition of costs not specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the Civil Procedure Rules, the Beavis Case, the Protection of Freedom Act 2012 and Consumer Rights Act 2015, and that relief from sanctions should be refused.   Alleged contract The court should consider if there is any contract to start with and if the alleged offence is on relevant land. The consideration will inevitably lead the court to conclude that there is no contract.  Also the court should note that there is no valid contract that exists between VCS and Peel. Under the Companies Act, a contract should be signed by the directors of both companies and witnessed by two independent individuals. This alleged contract, which makes no mention of pursuing registered keepers of vehicles to court, makes its first appearance as a Witness Statement. Thus the alleged contract is null and void.  The Beavis case referred to by the claimant is about parking in a car park. The claimant is here attempting to equate that case to stopping, not parking, in a bus stop and on a road that is covered by the Road Traffic Act. The defendant submits that there can be no contract as there is no offer but there is only a prohibition. Again, it is not relevant land and VCS has absolutely no rights over it. Further, the defendant would like to point out that motorists NEVER accept any contract just by entering the land. First they must read it and understand it and then, and only then can they realise that "No stopping" is prohibitive and cannot offer a contract.   Bus stop signage The signs around the bus stop do not mention who issued the “No Stopping” signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and that the creditor should be identified. Nothing on the signs around the bus stop that says “NO Stopping” mentions VCS or Peel Investments who are now purporting to be the land owners of a public road. As the signage should identify the creditor, since it does not, this is a breach of the CoP.   The Traffic Signs Regulations and General Directions 2016 does not prohibit stopping in a restricted bus stop or stand, it prohibits stopping in a clearway. The defendant would like to ask the court to consider if any clause of the Traffic Signs Regulations and General Directions 2016 that the claimant alleges has been violated by the defendant. There is no mention of permits on the signage. If there were, would it mean that Permit holders were allowed to stop on “No Stopping” roads? Notwithstanding what the claimant calls it, the mentioned signage is NOT a contractual clause. A “No stopping” sign is not an offer of parking terms.  Since the signage around the bus stop is prohibitive, it is as such is incapable of forming a contract. Further, the defendant would like to point out that the prohibitive sign is not actually at the bus stop but a few metres before the stand itself. There is no mention of a £100 charge for breaching the “No stopping” request, or if there is one then it is far too small to read, even for a pedestrian. As already stated, a Witness Statement between VCS and Peel Investments is not a valid document. It will need more than the Claimants feather to outweigh the case against the Defendant regardless of who was driving. There is no law of agency involved. This is not a case of employer/employee relationship. VCS cannot transfer the driver's liability to the registered keeper. There can be no comparison between a railway station and an airport. This is a totally fatuous analogy which cannot be applied to this case.  As stated in the defence, it is denied the Claimant is entitled to the recovery or any recovery at all. The nefarious parking charge notice given for a vehicle on a public road bus stop was ill advised to start with.   Conclusions:   VCS has failed to present ANY reasonable and valid cause to apply to the DVLA for the Defendants details. VCS has failed to provide ANY valid  contract with the landowners. “No stopping” is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for any motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP and hence the signage is not valid the WS contract does not authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land. The Defendant wishes to bring to the attention of the court that the Claimant cites an irrelevant case of a car park and tries to apply its merits to a bus stop. That in itself invalidates the entire fallacious claim. Accordingly, this case is totally without merit. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. All the false information presented as a statement of truth could have been stated using half the words and without all the repetition which appears to be trying to build a strong case where there is none at all. One particularly bad example of misdirection is in the photographs. The Clearway sign shown near the bus stop is very unclear unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.   47. Lastly I wish to bring to the attention of the court, a systematic pattern of the Claimant’s court action behaviour in several of their cases. They tend to have a VCS paralegal writing a Witness Statement, then mentioning in the last paragraph of the Witness Statement that they may be unable to attend court and subsequently the paralegals never turn up to be cross examined. In the event that Mohammed Wali is unable to attend court to be asked about his claims, then I would like to know why he is not able to attend when the hearing has been scheduled months in advance, is during working hours and as a result of covid, is online, meaning there is no travel involved. Ambreen Arshad, the other paralegal employed by VCS, does exactly the same. 
    • Hang on. don't panic!   You sent the snotty letter which has told the fleecers to put up or shut up.  So far they've haven't taken you to court.  This might change, but so far you're in the driving seat.  You don't have to deal with them any more.  It's up to them if they have the gonads to start court action or not.   Regarding DCBL, they are not representing their client in the normal way that a solicitor represents a client, because the sums of money involved are too low for that.  They are just chucked a few quid to send a couple of "threatening" letters.  There is no point in dealing with them.   If you want the original PCN send a SAR to UKPCM only.  For the SAR letter simply click on "SAR".   However, the SAR has nothing to do with the 30 days, you've already dealt with that with the snotty letter.  You need to read lots of similar threads and familiarise yourself with the legal process.  CAG is a superb free library.    
    • Hi again, so I will send a SAR to UKPC because I don't remember seeing the  NTK.  Then should I let DCBL know otherwise they will probably issue the court papers but they might hold off if i tell them about the SAR?   what do you think?  I need to do it this weekend or it will be beyond the 30 days.  Otherwise to let it run will definitely lead to a court case perhaps??   Can I get a copy of a SAR letter on here? thanks
    • 👍   One thing, write "unlawful", not "illegal".   Sorry to be pernickety, but "illegal" = "a crime".   "unlawful" = "not in accordance with the law".    They've lied to the DVLA but that's not actually a crime, it's misuse of your personal data which is a civil matter, and you can sue the idiots once your case is over for breach of GDPR, but it's not a criminal offence.
    • Just added also paragraph 11 stating " Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, VCS should prove that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. 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;” Without such proof the court must of necessity throw out this case forthwith."
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Link Financial / student loan 1991


WulfrunSlade
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I took a top up student loan in the last year of grants/first year of phasing in of student loans.

 

Due to not earning enough through my early employment career, I deferred, and deferred, made the odd payment here and there.

I was made redundant in 2005 and was unemployed for nearly 2 years,

during which I had a lot of debt sorted out through the CAB. SLC didn't agree to any arrangement.

 

Fast forward to December 2012/January 2013 and

 

I get a letter from Link Financial, unfortunately I haven't got a copy of this,

but they definitely passed themselves off as acting officially on behalf of SLC.

 

Not wanting to be falling in to debt problems again

- and particularly with a government endorsed organisation

- I phoned Link Financial, initially demanding that the debt be handed back to the SLC,

eventually coming to a £50/month payment arrangement with Link, which is taken via a debit card.

 

I have obviously now learned that Link are, shall we say, somewhat of a rogue outfit, who resurrect bad debts to fill their own coffers.

 

Is there anything I can do now that I have actually made an arrangement with them?

 

I just received an arrears letter today which triggered research that lead me to this forum,

 

and a while ago I received a similar arrears letter,

which was a bit scary as I hadn't missed a payment,

 

tried to call them on their 0843 (or similar) and put in their queueing system for 45 minutes,

and hung up before I spoke to anyone.

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oh dear....

 

ok we need a full history year by year please

 

have you got all the statements and paperwork?

 

if not

 

an SAR to SLC is in order here me thinks.

 

shame you got spoofed by them

esp on the phone! into paying up!

 

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 would be sending link a cca request ASAP

 

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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oh dear....

 

ok we need a full history year by year please

1991/92 3x top up loans (one each term) taken out, total value approx. £1,200

Through the next 13-14 years deferred/occasional payment made to SLC

2005 - redundancy, CAB consulted about various debts, no arrangement made with SLC

June 2005-April 2007 unemployed, no further correspondence with SLC, no payments made

April 2007 - December 2012, no further correspondence with SLC, no payments made

June 2012 successfully applied for a car loan (first credit obtained since unemployment, no reference made to previous addresses that SLC would have known about on credit application)

December 2012 or January 2013 received letter from Link Financial - definitely passing themselves off as acting officially on behalf of SLC and the usual threats described elsewhere on this forum. I 'phoned them as I didn't want this hanging over me and now with means to pay I offered £50/month to get them off my case. Initially they rejected this and asked for a statement of earnings, etc., I persisted with "this is all I can afford", and eventually they accepted.

 

 

have you got all the statements and paperwork?

Unfortunately not, I have the most recent (received today) arrears letter, I really wish I had kept the original letter. Despite having paid around 14x £50 the account arrears is still £1,001 - feasible I suppose with SLC adding (even low rate) interest across a decade or more.

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if there was a period of 6yrs whereby you did not defer

or contact slc by letter for 6yrs

 

this debt was STATUTE BARRED

 

before link got ahold of you

 

looks like you are being FLEECED by link

 

on a debt that statute barred

 

sadly VERY typical behaviour for them

esp on the phone!!

 

stop payments

 

demand those that you have made back.

 

this is what you are paying for:

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-Kensington

 

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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Sounds good to me.

 

Has my naivety in paying them something over-ruled the statute barred?

 

How do I go about asking for the money back and what are the pitfalls, obstacles, etc., past history of this company in paying back anything in a timely manner, if at all?

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you cant reset the SB status

once sb'd it cant be undone.

 

be sure of your dates.

 

if there is a clear 6yrs then once again

you are another victim of links profiteering.

 

sadly that how 75% of dca's earn their money

they spoof people into paying stuff off that's prob never even owed

 

goes directly to their pocket

 

so they can send and make 1000'000's of spoof calls/letter to fleece others.

 

wanna laugh...

http://www.consumeractiongroup.co.uk/forum/showthread.php?404523-Hello-from-Ireland-Student-Loan-Dilema-amp-Link-Financial-have-lead-me-here.

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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That wasn't easy reading for an early Saturday evening.

 

I'll be honest, I just don't want to pay for anymore lavish trappings for the Burdells luxurious lifestyle,

whilst I have had to graft damn hard to have got this far in life.

 

To confidently stop paying them any more would be enough,

getting anything back would be a considerable bonus.

 

One thing did spring out at me.

 

I was also asked by Link in a phone call (must have been May/June 2013, as it was a "6 month review"),

as I hadn't provided them an attachment of earnings they wanted me to increase my payments to £100/month.

 

I argued the toss with her that I was already paying the maximum I could afford (or even slightly more than I could really afford)

and no way could afford to pay double that.

 

She said she would have to speak to her supervisor, and put me on hold (it was their call, by the way, I didn't call them),

after a few minutes she came back and said that the supervisor has agreed that you can continue with payments of £50/month.

 

Checking their docs sent today right now:

 

Headed "Notice Of Sums In Arrears"

 

Loan agreement under Account Number: ##HMBC#####

Our ref: #####

Balance at date of this notice: £1,001.72

 

This notice is given in compliance with the Consumer Credit Act 1974

because you are in arrears with your payment under this agreement.

 

Arrears on balance at 26/08/2013: £1,284.52

 

27/08/2013 Balance Brought Forward £1,284.52

31/08/2103 Interest Debit £3.47 Balance £1,287.99

06/09/2013 Credit £50.00 Balance £1,237.99

and so on to

27/02/2014 Balance Carried Forward £1,001.72

 

(Total payments £300.00, total interest approx. £16.50, I haven't added it up as I don't want to open a spreadsheet on a Saturday)

 

Continuing:

 

Arrears £1,001.72

 

The current arrears represents the outstanding balance as you have failed to maintain payments in accordance

with the terms of the original agreement so the full amount has become due.

 

If you have not already done so, we would encourage you to contact us to discuss the state of your account.

 

Default sums and interest

 

You may have to pay default sums and interest in relation to the missed or partly made payments referred to in this notice

(in addition to any default sums and interest included in this notice).

 

Please contact us if you would like further details.

This notice does not include any payments received after the date of this notice.

 

Notices

 

For so long as you continue to be behind with your payments by any amount,

you will be sent notices about this at least every six months.

 

We are not required to send you notices more frequently than this,

even if you get further behind with your payments in between notices.

 

They have the cheek to include some info about arrears from the Office Of Fair Trading...

 

So, what's my case exactly here?

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If you definitely had no contact with SLC or Link from 2005 to 2012 then the debt is statute barred and nothing you may or may not have done since can change that.

 

First step is to stop all future payments.

 

You will need to contact your bank and remove authority for Link to take money from your debit card - best to do that in writing. Y

 

ou then need to write to Link along the lines of

 

'it has come to my attention that this account was in fact statute barred before Link made contact with me.

In the circumstances I will not be making any further payments and have instructed my bank to cancel the authority to take payments from my debit card.'

 

What else you write depends on whether you want to try to get your money back,

which may not be entirely straightforward since Link are bound to say you paid willingly on a debt that still exists,

statute barred or not (unless you're in Scotland, then it doesn't exist).

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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That seems fairly straightforward, thanks madwoman.

 

Let's forget about claiming back for the moment and concentrate on stopping future payments without further hassle.

 

Would we expect that Link will contest the debt is statute barred,

 

somehow muddying the waters with some wordy meaningless but authoritative/legal sounding jargon,

and quite probably the introduction of "CCJ" (they may have done this already in the original letter) to matters?

 

Let's say that the debt is not statute barred

(obviously further down the line I will need to establish this as described elsewhere and advised above).

 

I'd be liable to pay up and with their interest, etc.,

because I have an "Agreement" with them (pretty sure I've never sent them anything, signed anything).

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I can pretty well tell you 100% that it WILL be SB'd

 

you are one of p'haps 10'000's of people they regularly do this too.

 

even started a company called thesis, to cover their tracks.

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, first of you are in good hands with dx and reallymadwoman.

 

Right so you lost your job in 2005 and attempted to negotiate with SLC,

 

did you defer during this period?

 

Remember that the last time you defered is NOT the start date for the six year SB clock as your deferment will last for 12 months

and it will be from 12 months after that you will be in default.

 

Also, what kind of negotiation did you undertake as this too could be interpreted as "Acknowledgement" and therefore restart the six year clock also.

 

Are you aware of the SLC taking a CCJ against you as this is a nasty trick they play which will again restart the six year clock

meaning that in theory it can be upto 12 years before the debt is unrecoverable.

 

Remember that as regards payments already made, payments made under duress do not in any way constitute acknowledgement of a debt as has already been proven in court.

 

SAR to slc to see what has gone on in your account over the years and if a ccj was taken against you.

CCA to DCA and do NOT sign, both of which dx and RMW have already advised you should do.

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as post 1

 

2005 - redundancylink3.gif, CAB consulted about various debts, no arrangement made with SLC

 

June 2005-April 2007 unemployed, no further correspondence with SLC, no payments made

 

April 2007 - December 2012, no further correspondence with SLC, no payments made

 

June 2012 successfully applied for a car loan (first creditlink3.gif obtained since unemployment,

no reference made to previous addresses that SLC would have known about on credit application)

 

December 2012 or January 2013 received letter from Link Financial

- definitely passing themselves off as acting officially on behalf of SLC a

nd the usual threats described elsewhere on this forum.

 

I 'phoned them as I didn't want this hanging over me and now with means to pay I offered £50/month to get them off my case.

 

Initially they rejected this and asked for a statement of earnings, etc.,

I persisted with "this is all I can afford", and eventually they accepted.

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 thanks dx, it does indeed then appear to be S.B. and a legitimate cause for complaint and monies paid returned. Link should have been offering deferment as OP was unemployed and they extorted £50, which according to original loan agreement is ilegal.

 

So a complaint to relevant organisation and demand for return of monies paid.

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  • 2 weeks later...

I have been busy with new born twins, but I will be writing to Link - phoning them is a waste of time and money and anything said means not a lot.

 

As I said, first aim is to stop paying them any more. If successful, I may well look in to getting several hundred quid back.

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