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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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
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Me and lots of old debt


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HI guys 'n' gals,

 

If the OC is asking for more details, ie first name, date of birth & previous addresses, are they entitled to ask for that data.

 

I sent an SAR to Sainsburys Bank & got a reply back fro Bank of Scotland asking for these details. They have kept the £10 and say they can't find any details from what I've supplied them, and they now need the above info in order to proceed.

 

I am reluctant to acquiesce!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

I've scanned in & attached the files I have so far.

 

There is precious little else from them.

No statement of payments into the account.

No detail of any charges applied, (and I'm certain there are some to be reclaimed!).

 

Any and all advice is welcomed.

 

Best regards,

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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if you've moved since taking out the credit

you should list your old addresses on the sar

sign it

and include say a present CTAX bill to prove where you are living now

 

 

it does hurt to give them the info now no.

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 much better if you started a new thread in the cap1 forum

and post the docs there [put them all in a word doc first!!

see upload

 

 

this thread is getting far to complicated for all your debts to be in one place

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 dx,

 

Fair comment!

Did you mean for just the Capquest stuff?

Are there other forums for the other OCs and Moorcroft?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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yes there are

but file the Moorcroft stuff in the OC's named forum.

 

 

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

Hi,

 

My scanner won't save them as a word file & I'm not adept enough to convert them, so wherever I put them they will have to be in pdf format.

Does that matter?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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you don't scan them as a .doc

you scan things as a picture

then use MS paint to redact anything pers

then pop all the pictures in a word doc

THEN print or convert that to PDF.

 

 

read the upload

 

 

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

  • 4 months later...

Hi all,

 

Firstly may I say that I am very grateful for all the assistance and advice from you learned people.

It has been invaluable.

 

I have done what you all suggested and since the cra's can't provide evidence of 2 of the debts, I have stopped payment on them.

 

Moorcroft have emailed me twice saying that they are waiting for their client to respond,

but each time I have emailed back saying that I am not ignoring them,

but rather waiting for them to provide the evidence that they hold the debt.

Clearly they don't, so I'm not worried really.

 

I am maintaining the payments to the others though, at the agreed rate, ie £5 pcm

 

I have received a letter from Robinson Way now, saying that they have contacted a (very) old address and asking me to confirm where I'm living now.

 

I have ignored it on the basis of what I've read on here, and that they have probably been passed it by Moorcroft.

 

I necessary, I will write to them and tell them what I've told the otheers.

 

Your thoughts....................................

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Have you checked your credit file at all? What, if anything, does it say on their relating to any of the debts that you're paying?

 

As for emailing them each time you receive their junk mail, IMO I'd simply ignore them until such time that they can provide the evidence

of these debts they claim you owe. It might seem the right thing to do by eeping in touch with them, but believe me

there is nothing morally wrong in ignoring such specious outfits as these, they have absolutely no desire to keep you on side,

their sole focus is to make as much profit out of you as they're able.

Ignore them.

 

As for robbers way and their lame attempts at phishing for info, you can ignore them too!

Keep a copy of that letter for future reference when you can lodge a formal complaint about them to the FCA regarding their blatant

tracing practices.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka,

 

I shredded the letter. Force of habit really, I always shred my addresses on letters.

 

I will ignore them. I have no wish to enter into any correspondence with them.

 

They made no reference to any debts, just wanted me to confirm the contact address, which I have no wish to do.

 

Incidentally, I have moved several times since I left the address they gave, so I know they haven't been given my current address by anyone there!

 

Your help, as ever, is greatly appreciated.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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pers on powerless dca's that fail the CCa request 12+2 working days deadline

 

 

I'd not enter into any comms tennis

neither pay them

 

 

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

Hi dx,

 

Thanks. Courtesy of our last comms, I've stopped paying the DCAs and I think that that is where the Robinson Way letter started from.

 

I'll not be paying them any monies, and after 6 years it'll die a death!

 

Just a shame it'll take that long really!

 

Thanks again.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 1 year later...

Well, Ive not posted in a while and here's why.

 

My mother is now in a home and I've haad to move out because the house has been sold to fund hher care!

 

However, I have come in to a spot of good fortune.

I have a new address, a new lady in my life, and a small bequest!

 

I want to stop any and all phone calls to me new address, and I want to make an offer for a full and final settlement of the debts!

 

Please can someone point me in the right direction for the appropriate letters?

 

1. to stop the phone calls at my new address, and

2 to a Full and Final letter.

 

Also some indication of what I can get away with offering in % terms. The bequest is not that good!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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waste of money

go burn it for all the good it will actually do

or have a holiday with it.

 

 

let me go re read the whole thread to get the story

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

I have been paying a paltry sum to the creditors, £5pcm each, but now I want a to get a full & final settlement, given that next month I'm 64 with the obvious pension date next year.

 

I want this monkey off my back!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

so who are you still paying

and I gather these are debts still owned by the original creditors?

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

so who are you still paying

and I gather these are debts still owned by the original creditors?

 

I'm paying the original creditors, but now Capquest are saying I have to pay them because they now own the debt.

I'm not sure they do, so I am going to ask for proof they do.

Thing is, if they don't, can they still charge me for the administration they've undertaken?

I've stopped paying moorcroft because they have not provided proof they are administering the debt they claim I owe ( I do. It's and overdraft), but I've no proof they are authorised to collect on it.

I'm in a position where I can now make a small offer to clear these debts, but I don't want to send money to the wrong places & end up with a worse position.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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you don't need to send money to anyone.!

 

 

so.

we are down to concentrating on only 2 debts now? the ones that were with the OC's?

the rest are not paid, and have all failed CCA requests?

 

 

don't go sending stupid letters yet

get our ducks in line 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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Share on other sites

Hi dx,

 

I have 5!

The perils of trying to give a great send off to my ex wife who had a brain tumour!!

 

Failed. She turned violent & I had to get out. Long story, but I got saddled with the debt.

Been paying them all £5pcm while I was 'unemployed'.

I did eventually get a job while I was caring for my Mum, but now she's in care & I had to move out so the house could be sold to fund her care.

 

I plan to write to capquest to get them to prove they have the authority to administer the debt. If, like moorcroft, they don't, I'll not pay them a bean & just deal with the original creditors.

 

I have no plans to do anything stupid though.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Moorcroft didn't own the debt hence you deal/dealt with the OC ONLY

as for capquest, they are debt buyers so they get a CCA request unless its a bank account

no good sending other silly authority to administer letters, just invites pointless letter tennis.

 

 

have you updated the people you are paying your debts too that you have moved?

per I think its far better we start again as you relist your debts

then lets go thru a process of my questions.

and then we'll advise suitably

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

Hi All,

 

The debts I have are as follows:

 

Capital 1 - 4346.69 Paying direct @ 5.00pcm

Virgin c/c - 9761.99 Capquest claim I have to deal with them, but I'm paying direct at 5.00 pcm

Halifax c/c - 3271.14 Paying direct @ 5.00 pcm

Sainsbury's loan - 5623.29 Capquest claim, but I'm paying direct @ 5.00 pcm

Abbey bank - 2652.41 Paying direct @5.00 pcm

 

I am unemployed and want to continue to pay them at 5.00 pcm if they wont accept a full & final.

I can afford to pay them 10% each from my bequest, but not very much more!

 

I have created a 'Scan my mail' address to get all future correspondence to go to one place.

They won't be able to contact me direct there,

but it will accept my mail & scan it in for me.

 

 

It will be useful if I can start a business in the future,

although I am 64 next month,

so the chances are slim of doing so!

Retirement beckons!!

 

I will be away from, a pc for about 5 days now,

trying to solve some family issues,

but I'll have my phone with me.

 

As always, your assistance is greatly received.

 

BTW,

 

I believe, (although I have yet to check), that I had PPI with Halifax on a mortgage I used to have. Long story, but suffice it to say I don't have a mortgage now!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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If you're unemployed, then the maximum you should be paying them is £1 a month, NOTHING more.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sort of makes a mockery of 139 posts and all the advice

We appear to be in exactly the same place as post 1?

 

Advice OK is just that you don't have go take it but,....

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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