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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 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 v 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 is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment 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 recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye 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...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        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).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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MKDP - claimform - 1st direct Credit Card - help


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We have 2 credit cards and a overdraft with First Direct

 

upto about 2 months ago we used to bank with them

 

pay them what they were asking for on the credit cards but paying the other credit cards £1-50 per month.

 

We didn't realise that First Direct had put a stop on us using the cards and sent a income and expenses form out which I duly filled in.

 

I have set up standing orders with our new bank to pay £1-50 on the 14th of each month

 

today 2/11/2011 I received a call saying that F D realised that we had a short fall each month and would not accept the payment

and will now put the debt with a company called Metropolitan Delt Collection who will be in contact with us.

 

Should I continue to pay £1-50 per month to the 3 accounts or wait to hear from Metropolitan Debt Collection

(I have never signed a contract with these people).

 

Regards

CathW

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Metropolitan Collections are DCA most commonly linked to HSBC.

 

Are they going to amalgamate the 3 accounts so that you just have to pay the one payment ?

 

You should continue to make payments to FD until you hear from Metropolitan, the payments will be transferred to them.

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  • 4 weeks later...

today 30 Nov both myself and husband recieved a letter from FD saying that we have been unable to agree a mutually acceptable way forward

and they now demand the full payment which includes interest and pre-notified charges to the date of this demand.

 

 

Further interest will be added on the same basis as presently applies until the date of the full repayment.

 

You have seven days to reply in full or let us have satisfactory proposals for repayment by instalments or otherwise.

If immediate repayment in full cannot be made, the enclosed financial statement must be completed and returned.

If you fail to comply with this demand we may instruct Metropolitan Collection Services Ltd to collect the debt on our bahalf.

 

As our financial situation has not changed since the last statement that was sent back to the 31 Oct

do we send them a copy of the previous statement and continue to pay the monthly instalments.

 

Any sugestions would be greatly appreciated.

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Was there an agreement with FD to pay the £1.50 per month ? If so, just write back to Met Collect and tell them so. You can also confirm that having already completed a financial statement and given it FD then they should obtain a copy from them.

 

However, with most companies you will be expected to update a Financial statement at least every 6 months.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No we haven't heard anything from Met Collect just had the letters from FD aaking for the financial statement

which was sent to them 31 Oct and them asking for satisfactory proposals to pay them back.

 

We have already told them that we can only pay £1-50 per month on each account (which we have a S O set up for).

 

 

This is the 2nd time that FD have asked for a financial statement in a month and also the 2nd time in a month that they have threatened us with Met Collect

but we have heard nothing from Met Collect yet.

 

Sorry for the confusion.

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They are on a power trip, Cath. twice in a month..!!

 

Have a read of the following docs.. bit long but worth it. The Lending Code and The OFT Guidance publication on Debt Collection.

 

You only really need to read Section 9 onwards in the Lending Code.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 year later...

I know this is a long way down the line but I have had various threats from DCA'a and Solicitors which I have dealt and they have left me alone.

 

The last Solicitors were DG Solicitors (1st letter 8 Feb 2012) to which I replied by sending Non Negotiable letters

with a copy of my Common Law Copyright Notice (as adviced to do by another Debt site)

 

4 Apr 2012 (received 11 Apr 2012) I received from Northampton CCBC a claim form from DG Solicitors saying that I owed £....-..

 

 

I duly hand delivered this back unsigned (as told by another debt website)

with a covering letter saying that there is nothing for the Court to deal with as I would be happy to pay upon proof of the debt.

 

29 Apr 2013 I then received a letter from DG Solicitors (dated 26 Apr 2013) saying that they enclose a copy of the credit agreement

which I signed 12 Dec 1996 and no signature from the bank, there is a circular stamp with ? and a date that is illegible.

 

Yesterday I rang Northampton CCBC and asked if the claim was still open and was told yes.

I then asked if the case had been Stayed to which I was told yes 28 May 2012,

 

 

I asked why I had not been informed of this by either themselves or DG Solicitors and was told that they did not have to inform me

and I was also told that DG Solicitors had to reply within 28 days from 28 May 2012 to which they had not.

 

I mentioned to Northampton CCBC that I had received a letter from DG Solicitors (which they had not received a copy)

and was told that if I did not contact them by 13 May 2013 then DG Solicitors could apply to Northampton CCBC to remove the sta

y and I would be issued with a County Court Judgment.

 

Ant advise as to what to do now would be greatly appreciated as I can not sleep due to worry of the CCJ.

Thank you

Edited by citizenB
formattiang
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I know this is a long way down the line but I have had various threats from DCA'a and Solicitors which I have dealt and they have left me alone.

The last Solicitors were DG Solicitors (1st letter 8 Feb 2012) to which I replied by sending Non Nnegotiable letters with a copy of my Common Law Copyright Notice (as adviced to do by another Debt site)

 

4 Apr 2012 (received 11 Apr 2012) I received from Northampton CCBC a claim form from DG Solicitors saying that I owed £....-.. I duly hand delivered this back unsigned (as told by another debt website) with a covering letter saying that there is nothing for the Court to deal with as I would be happy to pay upon proof of the debt.

 

29 Apr 2013 I then received a letter from DG Solicitors (dated 26 Apr 2013) saying that they enclose a copy of the credit agreement which I signed 12 Dec 1996 and no signature from the bank, there is a circular stamp with ? and a date that is illegible.

 

Yesterday I rang Northampton CCBC and asked if the claim was still open and was told yes. I then asked if the case had been Stayed to which I was told yes 28 May 2012, I asked why I had not been informed of this by either themselves or DG Solicitors and was told that they did not have to inform me and I was also told that DG Solicitors had to reply within 28 days from 28 May 2012 to which they had not.

 

I mentioned to Northampton CCBC that I had received a letter from DG Solicitors (which they had not received a copy) and was told that if I did not contact them by 13 May 2013 then DG Solicitors could apply to Northampton CCBC to remove the stay and I would be issued with a County Court Judgment.

 

Ant advise as to what to do now would be greatly appreciated as I can not sleep due to worry of the CCJ.

Thank you

 

Oh dear, so you have not submitted a defence ?

 

The court does not notify when a claim is stayed. IMHO it is wrong, but there you go.. Who are you supposed to contact by 13th May, the court or DG solicitors.. sorry but your post is a little muddled.

 

I think the advice you have been given by another site will probably leave you with a default judgment. I will try and find someone who can help you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You will be informed of any application to lift the stay and be allowed to respond or object....they wont attain a judgment automatically the process will just proceed.They will have difficulty explaining why it has been left so long and why they now wish to proceed though.

 

Regards

 

Andy

We could do with some help from you.

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  • 1 year later...

Good afternoon,

 

In Sept 1996 my husband and myself opened a first direct bank account and we both took out first direct credit cards.

 

 

We were paying on a monthly basis what they asked for

 

 

in Nov 2011 we were finding it hard to make the payments

we asked if we could reduce the monthly payments between £1- and £2

- to which the bank agreed and they asked if we could send back the cards which we did.

 

 

The reduced payments were made upto Feb 2012 and then the bank stopped taking them.

 

Various DCA's and Solicitors became involved and we sent out letters as adviced by another site

and to ask for a Credit Agreement to which some of them sent a copy of the new application form that we dated 28 Sept 1996.

 

Regarding my husband's credit card MKDP became involved ref a letter from the bank 5 Apr 2013.

We also sent a letter to MKDP asking for for a credit agreement to which they sent a copy of the new application form

(which was virtually impossible to read and it had a received date stamp on it 1 Oct 1996).

 

He sent another letter asking for the same and was told that as he had signed it then the date stamped was classed as the banks signature.

 

He received forms from NCCBC

N1CPC, 3 June 2014 (dated 29 May), he was told by another site to send back and say that he would pay to pay upon proof

that he had a contract with MKDP (sent 14 June)

 

N149A, 19 July (dated 16 July) another letter sent 2 Aug saying as above

 

N24, 8 Aug (dated 6 Aug)

 

N180 filled in and returned to NCCBC 13 Aug

 

N271, 26 Sept (dated 24 SEpt)

 

N24, 15 Nov (dated 12 Nov)letter sent saying that he did not receive a Notice of Allocation.

 

26 Nov (dated 24Nov) he received a letter from HM Courts & Tribunals Service

saying that he had to fill in N244 and send a cheque for £155

-, which he did 14 Jan 2015 and sent a Defence Statement and a recorded copy to MKDP.

 

He then received N24, 23 Jan (dated 22 Jan saying that he had to go to Court 5 Feb.

 

23 Jan (dated 22 Jan) he received a copy of a Witness Statement that MKDP had sent to the Court

which included a copy of the new application form again this was virtually impossible to read,

which was for both his credit card and the joint account.

 

At the hearing the Judge said that the new application form was classed as a credit agreement.

My husband mentioned the consumer credit act 1974 which he was told by the judge that this didn't stand.

 

MKDP mentioned 13.2 and 13.3 to which she said that they would stand by 13.2 (whatever these are).

 

She also mentioned cost for MKDP of £120- plus vat to which the judge knocked down to £75-.

 

The judge said that the application was to be dismissed and my husband would get paperwork through the post

to which the costs would have to be paid by return, but no mention of the debt.

 

Sorry if this is long winded but is there anything that can be done

as I think the judge was not acting by the law.

 

Thank you

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can I politely say you need to stay and follow the advise issued by this site

the other one sounds a bit Freemen of the land to me.

 

 

so this application form?

 

 

can we see it please

 

 

IS IT the one he signed all those years ago

and does it have all the T&C with 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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Hi Cath

 

Reading between the lines on your last post...the claimant attained a default judgment and you made application to set a side and the court rejected it or allowed it...its not clear from your post?

 

13.2 and 13.3 are Civil procedure rules on setting a side a default judgment.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part13#13.2

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Cath, responding to your email to admin. To attach documents to your posts, scan and convert them to pdf format

 

use the "go advanced" button at the bottom right of a reply box > scroll down a little and click on the "manage attachments" button. Then follow the instructions from there.

 

>add files > select files (from your computer) > insert files > done :)

 

Try to keep your files reasonably small.. eg.. don't try uploading files that are 2, 3 and 5 + mb !!

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Hi,

I have enclosed a copy of the new application form dated 28 Sept 1996

which did not include the terms and conditions and as you can see it is almost impossible to read.

 

In my defence dated 30 Nov and hand delivered to the Court 1 Dec 2014

I said that I could not recall ever signing a agreement

 

on 22 Jan 2015 I was sent a copy of MKDP's Witness Statement which included a copy of the New Application Form to open a bank account.

 

Regarding the Court Case

the Judge dismissed my Defence

 

when I mentioned the Consumer Credit Act 1974 he said that this does not apply to this case,

 

MKDP asked for costs of £120- plus vat which the Judge knocked down to £75

- which would have to be paid within 14 days after the court case,

 

this he said would be confirmed in a letter and there was no mention of paying the outstanding debt.

 

Thank you

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Cant read them Cath...too small....all uploads must be pdf format not jpeg

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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PDF them please

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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Illegible......still if the judge dismissed your application to set a side then that is the end of the matter...you now need to arrange payment of the judgment debt.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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time to get an sar off and get reclaiming

 

 

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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be careful about those costs and the 14 days you mentioned?

 

 

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

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