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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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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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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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