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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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Store Card Debts


Orchid47
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Please can you tell me the best way to deal with Store Card Debts?

 

I have two which I have defaulted on.

John Lewis and M&S.

 

 

These cards were both originally taken out pre 1997.

I cant find any of my paperwork pre this date.

 

I have been paying a minimum amount each month of a £1 for the last 5 years and they are both pressing me at the moment to send them an Income and Expenditure form which personally I feel is none of their business.

 

What should I do?

 

I presume if I stop paying them anything they will send straight to their solicitors?

 

Amounts outstanding are around £5K on each

 

I do not have an income at the moment

 

Thank you

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First thing to do? CCA them. keep paying as you are. If they cant provide a compliant response, then you stop paying. However, they are perfectly entitled to mark your credit file, so be aware.

 

AS for repayments, you could tell them that your financial circumstances have not changed, £1 is the most you can pay, and possibly give them a very very simple budget summary.

 

If they fail to provide the CCA in 12+ 2 days, then you stop paying and they cannot chase you through solicitors or court until they provide one. They can still contact you and ask you to repay though.

 

So CCA them first, and IF they respond properly, provide a copy of a benefits letter or similar and tell them £1 is all theyre going to get.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks Renegadeimp, if I enclose a copy of my tax Credit form to them they will see my partners imcome which is just pension, so is this the best thing to send them?

Is there a legal obligation to send them my income and expenditure?

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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

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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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

 

This. as i said at the start. CCA first. Do not do ANYTHING else until you either get a reply or the 12+2 expires. Whichever comes first.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

 

John Lewis and M&S, and no I have kept paying this for the last 6+ years! Stupid I know that now

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ok so they are still with the original creditors.

not owned by DCA's

 

 

surprised they've never been sold on actually

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 months later...

Just discovered that Arrow have marked my credit file in 2016 when I stopped paying my £1 contribution that I had been making since 2010

Can I do anything to remove this?

 

Arrow notified me of a transfer of this debt in March 2016 to Restons

 

Ive never done a SAR on it, is it all too late now?

 

Thank you

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they can mark it bit not default you

did the OC not already do this upon sale?

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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didn't say either

who was the OC

a dca cant register defaults neither can a sols.

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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no - I would suspect that you were paying satans bank and they sold it on with the £! arrangement in place

 

when that happens the debt buyers name replaces that of the OC on your file.

 

so whats the defaulted date

and did you get NOA's sent for the sale?

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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what do you mean the default would have been 2010?

 

if so the debt should not even be showing now.

 

whats the date of the default ?

you said arrows have marked you file?

what the calendar section?

or a new defaulted date?

 

WHAT has troubled you?

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 thought you meant when was the original default when it started.

It was 2010 when I couldn't maintain my monthly payments,

but this was when I set up the £1 a month contribution.

These stopped in January 2016.

 

Ive not had anyone register this on my Credit File before so when I discovered it I was shocked to see it down as Arrow

who have registered it because they are the DCA I thought

 

It does say that there have been no updates from Arrow since they registered it over a year and a half ago

 

Does it just stay there for another four and a half years?

Can they take this to Court?

Do I just forget about it?

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send satans bank an sar get all the account details

prove its not already been defaulted

 

 

have you moved since you took this out?

if so are/were the OC aware of your correct address?

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...

No not sure what site you're reading

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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AFAIK, Arrow Global buy debts, and Moorcr@p don't, they are the tame gophers.

 

Why what's the story?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yep what the story please

 

 

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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