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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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old cap1 debt, CCJ, then CO, charges reclaiming.


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they cant add anything to a judgement.

 

 

something smells 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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4 threads merged on basically the same debt/subject

 

 

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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so the house is in your name only?

 

 

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

yes it's only in my name and they added the amounts before the CCJ, not sure how they managed to add over a £1000 between their last correspondence and a judgement. Where do these guys get these costs/charges from? Since the judgement there's been another £200 isn added I believe by the courts after a hearing.

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with int at card rate?

 

 

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... 

Link to post
Share on other sites

Their cash interest rate being 1.586% a month. Dam looking at my statements back in those days you really got stitched up if you withdrew cash off a card. They pay that off last with the credits against your account so you pay the highest rate the longest :( paid them a fortune in interest payments!

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put every PENALTY fee in this

on its date

 

 

and put their APR in cell D15

 

 

CISheet v101.xls

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

http://www.stoozing.com/calculator/apr-rate-converter.php

 

 

end the sheet [claim to date]

the day they stopped their interest [did they?]]

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

if they've not charged you interest since xx date

you cant charge them sadly....

 

 

however you are entitled to 8% statutory interest from the day after the claim to date

till today.

 

 

take the total of the CISHEET

and put it in here as one entry.

 

 

StatIntSheet v101.xls

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

No, you probably cannot argue about the CCJ or CO now. The CCJ takes president over the original agreement.

 

It seems the amount was less than £5000, does the CCJ say they can add interest, I very much doubt it. The amount the Judgement was for, YOU OWE.

 

If you have a copy of all the charges, there is nothing to stop you reclaiming them.

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OK so it's simply a case of trying to get back the charges from the OC? Seems unfair the DCA can add 8% through the CCJ to the original amount that includes charges.. A total of £1600 has been added by the DCA via the court process for a£3100 original default balance! Seems ridiculous considering they probably bought the debt for peanuts.

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yep they are ok

 

 

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

ok so to summarise...

 

Got a CCJ, missed determination meeting as didn't receive notice. Asked to pay large monthly amount, couldn't, had a redetermination meeting as they sought a CO against my property. Didn't really understand the judge, left room confused. Found out that a CO had been granted. That has sat on the property for 3 years.

 

I want to re-mortgage soon and fear it will affect my options. It appears it's too later to alter the CCJ or CO at this stage. However a thought, how can an unsecured debt suddenly become secured against your property? Surely if there's no warning of this when taking out the loan/credit card then there's scope to challenge this in court?

 

I have calculated charges to claim back on this but not sure who from. Original Lender or DCA?

 

I have three missing statements with potential charges on, what should I do about this?

 

Should I attempt to offer a reduced settlement in order to have the CCJ marked as satisfied and the CO removed?

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Your bank will deny they still have your statements going back to 2004

though you could put in an estimate using the statements you do have as a guide.

 

 

The bank shouldn't be able to query it as they should have destroyed their copies.

 

 

You should demand the money from the bank not the DCA though you may have a fight on your hands going back beyond 6 years.

 

Even if they do accept your offer, the CCJ and the CO will remain on your Credit file for 6 years though

there would be an acknowledgement that the amount has been satisfied.

 

 

They will also add that the full amount has not been repaid which will further damage your chances to remortgage.

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don't forget our search function...

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?397252-Charges-Claim-against-Capital-One&highlight=capital+won

 

 

so whos the DCA now and who got the CCJ/CO

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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