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    • Thank you and yes it was a 10k loan in 2007  but the amount outstanding currently is £17k 
    • Sounds like you've done some great detective work there, well done!   So you now have a good timeline; the car was purchased by the dealer who performed an HPI check and found no finance outstanding. They then sold it to someone who took out their own finance in August 2020. That person sold it to you without informing you that there was finance outstanding in October 2020.   I would think that it would be realtively straightforward for a solicitor to write a letter to MB with the pertinent facts (they will obviously know when and by whom the finance was taken out) and request that they issue a good faith title. It should only cost about £150.   I echo what others have said; don't hassle the seller. I know it is really frustrating and annoying, but he has proved himself a liar and only has to tell the Police that you threatened him and you'll be in trouble!
    • click sar just send it  no need to add anything bar their details   is this charge still showing on her deeds?    
    • i am not aware of any refunds being issued retrospectivity for years when you could have attained free road tax but simply didn't.   you will however gain a refund of any road tax already paid this year backdated to the start of the month you submit now. don't forget you will need the certificate of entitlement number when applying now and keep that certificate safe as you will need it each year.
    • thats quite interesting, as they are giving you a greater int rate before 1993, i am unaware of anything special about that date concerning statutory int , but it means more money for you, so i wouldn't worry yes the spreadsheet is correct.   it runs till the day they settle.   have they actually given a fixed figure for the 15% period, if so, add that the the 'current' spreadsheet result and that should equal what they should be refunding.... does it match?   dx  
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Peel Centre EXcel PCN (10/06/2015) BW Legal letter 26/08/2016


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1. Date of infringement: 11/06/2016

2. Date of NTK: never received due to change of address

3. Final reminder received 10/08/2016 (first letter seen), BW Legal letter combined with Excel parking passed to BW Legal letter: 26th September.

4. No mention of Schedule 4 of the Protections of Freedoms Act 2012.

5. No photographic evidence given by Excel.

6. Excel Parking Services Ltd. now instructed BW Legal

7. My sister parked my car at Peel Centre, Stockport on a stormy/rainy day, not seeing the signs or any ticket machines with her hood up. She made purchases at H&M and left.

8. Excel is a member of the IPC

9. Letters received include a 'Final Reminder Notice' on 10/08/2016. Next letter received in the same envelope 'your account has been passed to our legal team' saying the outstanding balance is £154. Other letter - BWLegal have been instructed by Excel in relation to the Balance Due for the PCN.

After not receiving any initial correspondance due to a change of address and upon moving house post has been delayed and lost frequently, I have not responded to any of these letters. I have now received this letter from Excel and BW Legal combined. Letters are still going to old address but currently on mail redirect so receiving them later than normal.

Not sure what to do next, I've read on multiple sites to ignore, appeal or pay up.

Any help would be great.

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type in peel centre

in the search CAG box of the top red toolbar.

 

go do some reading

but you at least need to send the one line denial letter

 

BW will and DO issue claimforms

but its pot luck if you'll actually get one.

 

however the peel centre has many issues and they rarely succeed in getting a CCJ.

 

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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Thanks dx100uk I've had a look to find the one liner letter.

 

'To whom it may concern

 

It is denied that any monies are owed to your client (vcs) as no contract was offered at the time.

 

Yours sincerely.'

 

Is that all I need to send to create a paper trail?

 

 

It looked like others on the forums have been receiving letters back from BW after sending the one liner letter.

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yep that's brill

doesn't matter and you ignore any more letters after that one

you've nailed your colours to your flagpole

 

should they wish to issue a claimform [THAT YOU DO NOT IGNORE:lol::lol:]

 

that's potluck

but we've seen that it makes them think twice.

 

but if you've read up on the peel centre thread here

and

on the parking prankster website

you'll see you've nothing really to worry about if they do!

 

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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the client is Excel, not VCS. so just say client and dont name them. It makes these dodgy solicitors feel important when you do that anyway but you could say "tell your dodgy friend" if you want to be forthright.

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