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    • Well, it's good that you have five days before you're supposed to go there, there is time enough to sort things out.  See if Booking.com rear their head tomorrow.
    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

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Been looking at the title register again to dx in their reply and where they’ve scribbled on it. Scribbling which is not on my official copy I hasten to add

 

Does it look to you that they are trying to make out no3 and no 4 belong to them?

 

Cos 3 certainly doesn’t. I had old ppi with Lloyds. Claimed but they didn’t take the money off the debt they sold to link shortly after. Thus loan was from 2001 and link have never provided cca since requesting in 2006. Neither has their name been substituted on there

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cant see they have

its just a copy of the lr file with them adding their ac number on the top only...?

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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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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hasn't it already been stated that IR cannot play a part?

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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In a repo case. Yes. But hopefully there will be no repo.

 

Surely the ir has it to come into it somewhere now as the judge ordered the counterclaim due to them keeping the Ppi cash and that’s got something to do with all?

 

All the previous can’t be left open can it?

As if that’s the case I’ll be back in court won’t I?

 

Plus he requested statements from them

 

Mind you I can prove the last one was a forced rewrite for same amount as the one befores settlement figure then they lumped more Ppi on.

 

And that’s on what they’ve given the court

Edited by dx100uk
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it is still a repo case.

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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doesn't work that way

 

this is a repo clam...

 

unless the judge has invited chapter and verse

for the moment you need or VERY limit your your reply to EXACTLY what the judge asked.

the more you entertain their diversion and confusion

the more your case enters into their hands

 

it is worthy to go read again ALL andyorch's recent posts..

forget their obv errors [its done on purpose!!] focus solely upon what YOU have been directed by the judge to do.

 

you are seriously going off track..........

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 will look through Andy’s post.

 

I just find it confusing that the Loan they are trying for repo on is as a result of all the rewrites and I thought if we prove the one was unfair then the rest had to be.

 

For mortgages which are regulated by the Consumer Credit Act the defendant can also state in questions 5 and 6 whether they want the court to examine the fairness of the mortgage agreement or to consider making an order extending the term of the agreement.

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doesn't work that way

 

this is a repo clam...

 

unless the judge has invited chapter and verse

for the moment you need or VERY limit your your reply to EXACTLY what the judge asked.

the more you entertain their diversion and confusion

the more your case enters into their hands

 

it is worthy to go read again ALL andyorch's recent posts..

forget their obv errors [its done on purpose!!] focus solely upon what YOU have been directed by the judge to do.

 

you are seriously going off track..........

 

Everything the judge has asked.

 

I’ve done.

I’ve heard nothing from the court yet to say whether I have to do a witness statement for next hearing.

I’m at limbo on how to prepare and what the judge is likely to ask or want from me on that day

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no harm in ringing and asking

mention the claimant has responded and you wish to counter as some of the things thy are claiming are very very wrong

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

What are the differences between CCA 1974 and Mortgage Credit Directive. And how do I find out of the company taking me to court are registered/regulated to do so.

 

They were not registered with company’s house.

 

However Acenden are authorised and regulated by the fca and they are the ones administeringthe loan

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FCA website

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

FCA company register

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

Pending the implementation of the new rules that will apply as a result of the MCD, firms which take second charges as security should have registered for interim permission under the consumer credit regime, and new entrants to the second charge market (who do not hold a CCA licence and cannot get an interim permission) must apply for a full consumer credit permission.

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Agreements that are covered by the FCA's consumer credit regime are subject to detailed prescriptive regulation. Rules apply to the drafting of the agreements and to the substance of the pre- and post-contract information. Firms authorised to provide consumer credit must take care to ensure that they comply with these rules as well as ensuring that the activities they undertake fall squarely within their FCA permission. The consequences of failing to comply areonerous. A Court may apply its powers to re-open a credit agreement where it considers that the terms create an unfair relationship between the lender and the borrower and may change the terms (including the amounts payable

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The more I’m reading the more I’m getting confused. I’ve just read that

15.8 If a claimant files a reply to the defence, the claimant must

(a) file the reply with a directions questionnaire; and

(b) serve the reply on the other parties at the same time as it is filed.

 

Not had one of those

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they have

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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Or I don’t think any one told me to send a cpr 31.14 to solictors when first claim was issued this time last year.

 

All I have done throughout is Request the same info of prime and not got it. Until I filed my defence then they provided it.

 

Is this a problem

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