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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

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no needs work.

 

 

bit busy tonight

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 asked the Fos if I will be able to link up with this welcome reference no if I have a need to come back to them after final response from new debt owners as it's all regarding the original company?

 

Reply as follows

We keep complaints separate but do have a system which allows us to check any previous complaint brought to our service.

 

Just be aware that the purchasers will only be able to respond to anything that’s happened since they got the debt. The purchasers wouldn’t be responsible for lending you the money. That would be Welcome and unfortunately we can’t do anything in relation to that.

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but the charge is wholely made of mis sold reclaimable products

and should not even be there

I think this is very unfair

cant I just plead with the new owners in luxy to remove it

is there not anything I can do?

seems like I'm entitled to it but as welcome are broke the authorities are letting them get away with it..

 

 

very unfair, to me 'you' the regulators and your chumps have caused this?

 

 

any ideas please??

 

 

send him that.

 

 

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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This is a bit harsh!!

The Financial Ombudsman Service isn’t a regulator. We are an independent body who help resolve disputes between businesses and consumers. We’re not here to ‘champion’ either side.

 

The regulators are the Financial Conduct Authority.

 

You can take any action you like in relation to trying to get this resolved. I’ve not said that nobody can help you I’ve just said that we’re not in a position to because of what has happened in court. It may be that the only way to resolve this is going down a legal route but you are free to get advice elsewhere or speak with the businesses involved if you wish to do so.

 

I understand it is frustrating because we can’t really give you an answer. There are many other in a similar position to you where we’ve unfortunately not been able to help. However, we do have rules we need to follow when we consider complaints and sometimes it does mean that we’re not in a position to provide responses.

 

I’m sorry I can’t be of more help but there really is nothing our service can do to change this.

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no good that's what I wanted to here

 

its a shame this should have been running with the FCA long ago and I thought you have.

 

it cant hurt your cause to go ring the FCA.

 

just stick to whats in that complaint letter.

 

sorry to bother but I have an issue with an old charge by progressive finance that I think has been unlawfully sold to an overseas company that I appear not to be able to complain about

can you help??..

 

that's all made of mis-sold products that the FOS now have no powers to adjudicate over as welcome attained some kind of waiver sometime previous.

 

I'm really puzzled upon who I turn too.

 

they don't actually deal with individual complaints

but ARE the regulator.

 

its interesting to see the FOS know loads of people are in the same boat too.

 

urm..

 

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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lets see what the fca say

 

 

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

 

things are hotting up here.

 

I've had some post today from the person who now lives in the property I moved from in may 2016.

 

2 letters from prime credit dated Dec 14th and 23rd.

 

Do these both warrant a CCA request now?

 

You won't believe the charges they lumped on already!

Prime Credit Dec.pdf

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Just contacted them online. Have added the original letter to welcome. Welcome, FSCS and FOS responses. Picture of dca letter too. Here goes and fingers crossed again

 

urm not a good idea that...

which is why I wrote wot I wrote eric.

 

I was going for a soft approach

 

you are likely to be fobbed off without anyone looking in to your case

too much info in one go. = BIN.

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

std rubbish

its not a mortgage its a secured loan

 

bottom line is they don't knowwhat they are talking about

 

welcome did field agent visits too

think you had them..

 

if they were so confident

they'd go directly to court.

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 where does that leave me and what am I to do??

Do I ignore or cca?

 

They are going to 2 old addresses be nice to know if they have been to the adresss I lived inbetween those 2.

 

What I still find bizarre is since finding out Welcome stuff in 2015

they have had the 3 addresses I lived since the 2014 divorce directly from myself on each move due to all the correspondence disputing the debt.

 

. the newest move was May 2016 and they have definitely have that as on the IR complaint letter with the other ones listed underneath it.

 

Why or why is this company going everywhere other than where I actually live?

 

It asked for further documents!

 

That's why I added them in.

 

But what I wrote was exactly as you put it!

Sorry

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a CCA request might be good for a laugh but I've never seen the lack of one of those resulting in a charge being removed .

 

what extra documents the FCA asked for?

 

sorry I've not been thru there web portal on the FCA site.

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... 

Link to post
Share on other sites

It just asked about the query so I put in what you wrote then it asked to specify what type and name the company so I put the 3 names in. Further on it asked did I have any further documents with regards to the query and to attach them.

 

What worries me is the new company chasing the debt have already lumped 2600 on it in charges since they obtained it. So I feel I need to be batting them off otherwise up it's going to go isn't it?

 

Or ask for this http://www.consumeractiongroup.co.uk/forum/showthread.php?387504-Letter-to-DCA-requesting-confirmation-of-Assignment-(update-21.04.2014)

 

I don't even think that can be used as welcome put in their final response it was sold to alpha?

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well that's nothing welcome have not already done

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... 

Link to post
Share on other sites

Too true.

But evidently I can't claim back from welcome and loan is still 2£6k no mention of where the 8grand from fscs has gone or too whom. The balance hasn't come down from what I see on them letters.

 

But I'm unsure of the stunts these lot are going to pull next.

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but a court would..

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... 

Link to post
Share on other sites

no but that's where they will end up with you I bet

if you don't give in

which you are not going too

then the fun begins.

 

 

and the whole truth will be outed.

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... 

Link to post
Share on other sites

I'm not giving in this has been hanging around for almost 2 years now. Are you sure I don't need to get in touch with this company though? Cos I don't want anything to go against me for not dealing with prime/alpha

 

It's me I want them writing to at the right address so I don't miss anything surely

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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... 

Link to post
Share on other sites

Are you saying that they are writing to me at wrong address on purpose to issue a ccj against me?. Just a little thing too charge is fated 2006 however Welcome starred it was to do with the 2008 loan (last one) which was 2 years later than date at LR.

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