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    • Nothing missing and not being subtle.   Government appear to have briefed media that they will table legislation to hand back power to the PM to call General elections at a time of their choosing. This was reported by several TV channel political correspondents.   Boris likes to play politics as a game and he will see that as time moves on, he will become less and less popular, as will the Government. Recent polling is showing decline in approval ratings.   Hence why Summer 2022 may be seen as a good time to hold an election. Before the National Insurance and other tax increases start to hurt peoples standards of living. Leave holding an election until 2023 or 2024 is very risky as by then Government could be very unpopular.    UK will need to at some point make a large number of work visas available to migrants, in particular to pick agricultural crops.  Farmers have lost a lot of money in 2021, as their crops have not been picked and supplied to shops.  lack of migrant labour to pick crops and lack of drivers to pick up/deliver to wholesalers/shops.  Government cannot allow a repeat in 2022, so will issue visas to migrant workers and this will be unpopular to some who voted Brexit.    
    • I've just had a "Letter of Claim" via email: Dear XXX, Letter of Claim Our Client: Total Parking Solutions Limited Our Reference: XXX PCN Reference: XXX Vehicle Registration: Contravention Description: The Vehicle Exceeded The Maximum Stay Time Contravention Location: Brighton Road Retail Park Redhill Date of Contravention: 18 January 2017 Balance Due: £124.00 We have been instructed by Total Parking Solutions Limited to commence legal action against you in respect of the above unpaid parking charge, by issuing a Claim against you in the County Court without further notice, if no payment or response is received before 20 October 2021. If you dispute this debt, please tell us why so that we can help resolve this matter. Estimated Claim Such legal action may result in you being liable for Court fees, solicitors’ costs and statutory interest which are estimated below.   Principal Debt + Debt Recovery Costs £124.00 Estimated Interest £46.34 Estimate Court Fees £35.00 Estimated Solicitors' Costs £50.00 Estimated Total £255.34 What we have sent you What you will receive in the post are the following: Information Sheet: a sheet explaining what to do next, including how to avoid Court actions. Reply Form: a form to complete and return containing four sections. Income and Expenditure Form: a form to complete and return to outline your finacial circumstances. What you need to do now Payment of £124.00 or your reasons for non-payment are required by 20 October 2021 to avoid the above legal action. If you are unable to pay the balance in full, our client is willing to enter into a payment arrangement which is affordable for you taking into account your financial circumstances. We wish to remind you that in a final effort to avoid the need for litigation, our client is willing to offer you the option of paying the balance via an affordable repayment plan. We have pre-approved a monthly instalment amount of £15.00 which has been recommended considering your estimated disposable income. If you wish to take advantage of this offer, or if you cannot afford this amount, please contact us using the details in the "How to get in touch" section below. Please note that this offer expires on 20 October 2021, after which time your case will be considered for litigation for the full current balance. How to get in touch Online Manage your account at www.bwlegal.co.uk. You can upload your completed reply form and provide your income and expenditure details online. You can also make a payment, set up an affordable payment arrangement and speak to us by webchat. Speak to us or email us Call us today on 0113 487 0430 or email us at [email protected] to discuss this matter with one of our helpful team. By post Complete and return the Reply Form to us at the address at the foot of the letter you will shortly receive from us by 20 October 2021. Pre-action Protocol for Debt Claims This email is being sent to you in accordance with the Civil Procedure Rules Pre-Action Protocol for Debt Claims, a link to which is contained on the foot of the information sheet will you will receive shortly in the post. In particular, we refer you to paragraph 7, which sets out the expectations of the Court in terms of complying with the Protocol. Particulars of debt On 18 January 2017, you were granted a limited contractual licence to enter the land known as Brighton Road Retail Park Redhill ("Site"), which is managed and operated by our client. In return, you were to abide by certain terms and conditions ("Terms and Conditions") which were prominently displayed on the signage erected in situ by our client. On 18 January 2017, you breached the Terms and Conditions - reason: The Vehicle Exceeded The Maximum Stay Time ("Breach"). The Breach resulted in our client issuing a Parking Charge Notice (`PCN`) on 06/02/2017 which, despite our client's attempts to engage with you and agree a suitable payment arrangement, remains unpaid. Statement of account The following summary statement shows the transactions applied to your account since the PCN was issued by our client:   Statement for the period: 18 January 2017 to 20 September 2021   Principal Debt £70.00 Total Payments £0.00 Total Adjustments £0.00 Total Interests £0.00 Total Debt Recovery Costs £54.00 Current Balance £124.00 Our client’s entitlement to the total debt recovery costs referred to in the table above is expressed in the Terms and Conditions, which you accepted upon entering the Site. Such costs are recoverable in any event under the relevant Parking Code(s) of Practice. Warning of court proceedings If payment or a response is not received from you by 20 October 2021 we are instructed to issue a County Court claim without further reference to you, together with applying the interest, fees and costs highlighted above. If payment or a response is not received following a County Court claim, a County Court Judgment ("CCJ") may be entered against you. If a CCJ were to be entered, it would be recorded on your credit file for 6 years unless you pay the Judgment debt in full within a month of the CCJ being entered. A CCJ on your credit file may affect your ability to obtain future credit. If a CCJ were to be entered and you were to fail to comply with the CCJ order, we may apply to the County Court to take further enforcement action which you would be notified of separately. We look forward to hearing from you Our helpful team would like to work with you to reach a solution without the need for Court proceedings to be issued and it is therefore important that you get in touch before 20 October 2021. Yours sincerely, BW Legal bw legal N.B. To opt out of email communication from BW Legal please reply to this email quoting reference "XXX" BW Legal Registered Office: Enterprise House, Apex View, Leeds, West Yorkshire, LS11 9BH T: 0113 487 0430 F: 0333 370 0107 DX 716921 Leeds 39 BW Legal is a trading style of BW Legal Services Limited which is a company registered in England and Wales under Company Registration No: 07966978 Authorised and Regulated by the Solicitors Regulatory Authority under No: 569773 Authorised and Regulated by the Financial Conduct Authority in respect of consumer debt collection under Reg No: 619068 VAT Registration No: 971 8540 92  
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this 'clone firm'.View the full article
    • Is there a bit of your post missing, UB or have I missed something subtle?   It will be interesting to see what happens about the timing of the next election. You're predicting a bit earlier than a lot of the commentators who are talking about 2023 at the moment.
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Lowell/shoe's Claimform - EGG Pers Loan


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done docs

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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  • 2 weeks later...

I've hidden them as you've left ref no's claim no's etc all over the place but we can see them still others cant

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 ALL of those 2 uploads is what came with their WS as exhibits?

where is this statement showing a 2010 payment then cant see it?

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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as a total side issue - there's +£3k of PPI+int there begging.

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 weeks later...

I cannot see those uploads now

but there is an annual egg loan statement showing last payment as August 2010.

 

 

I've never seen this statement before and still refute the payment .

 

 

But is this a fait accompli because they can mock up these annual statements ?

 

As I've not acknowledged the debt I'm really unsure how to proceed when I go to court.

 

Can I now submit a defence of the debt being statute barred as I do not believe their statement showing last payments to be true?

 

If I retrieve a bank statement proving this will this suffice?

 

Do I submit this defence at court?

 

Or should I contact shoosmiths and say I want proof of last payment as I've evidence to the contrary?

 

Any help greatly appreciated

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you filed your def and WS months ago

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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you need to put them to strict proof of that payment....

 

 

who made it

by hat method

and when

 

 

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

So there's no argument because my defence was filed as asking them to essentially prove it?

 

 

I cannot argue that the evidence since provided doesn't stack up?

 

Can you post up a copy of your witness statement(s)...minus any identifiable information?

 

When is your hearing date?

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Do I therefore contact Shoosmiths now and state that he evidence they provided relates to a statue barred debt and the payment they are claiming I made is false. And that I can prove this with supporting bank statements (to be provided at the hearing) over the period they cite?

 

The hearing is end of October

 

The only statement I have submitted to date is my original defence which was to prove it

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They indicated the payment was made via payplan earlier

Why not ring Payplan and ask?

 

Twill sort the SB issue

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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The last time any of these debts were acknowledged was February 2011 when a dmplink3.gif made a payment on my behalf.

 

However there is a chance that a payment could have been in Feb 2011,

but this payment like I said did not come direct from me but a dmplink3.gif so I have no record of it.

 

I have no record of these payments leaving my bank account.

They are claiming the payments came via Payplan.

When I contacted Payplan they had no records of this.

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 meant they haven't indicated where the payment has come from in writing. That's why I'm asking do I contact Shoosmiths now and ask for proof of payment?

 

Payplan are telling me they have no record

 

What I can't get a conclusion on is do I ask for proof of payment? As I've evidence otherwise.

 

Does the fact it has PPI help a defence?

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forget the ppi

get that back via egg afterwards.

 

here is an upload of everything you've uploaded about the claim

 

there is NO EGG statement here

 

can we have it please

you say payplan could find no evidence of 'you'

have you that in writing from 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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I surmise they think 1 of 3 2 of 3 3 of 3 resembles some form of statement...unfortunately for them its not.:wink:

We could do with some help from you.

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It it strange that it says 'It was sent to you on....' rather than the original date which shows it isn't an original surely? I never received this statement

 

You could probe this by asking questions in writing.

 

Who made these payments of £3.61 ? They should be able to get the data regarding these payments, so they know where they have come from. If they were from Payplan, the dates of payments are pretty random. Have you asked Payplan for their info as to when they made payments ?

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 OTHERS

 

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

 

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

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as that's an EGG statement

why not take a punt and go ring Canadian square operations

see if they know any more info.

 

 

 

 

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

Shoosmiths are saying that the statement is considered proof of payment, despite me requesting details on where the payment came from.

 

I have told them that I have proof otherwise to show payments were not made from my bank account at the time.

 

Should I be contacting the County Court to amend my initial defence to include my dispute of these payments?

 

So in effect changing my defence from 'prove it' to it is statute barred and I have not received proof otherwise.

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post 72 go ring EGG...

 

 

talk to the OC not believe some sceptical debt buyers hash job.

 

 

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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