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    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
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newbie needing advice


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hello

 

In 2010 I went onto a DMP with Stepchange.

I thought all the accounts defaulted in 2010.

At the time the debt was around £43k

 

Recently I checked my credit report as I was going to try and offer final settlement to 5 companies.

There is still one account showing on my file.

 

My debt at present is around £21k and I am still on a DMP.

All the debts have been sold to different companies now.

 

A few years ago I claimed back some PPI on one account but never looked into any charges on the others.

 

I have just learnt about asking for the credit agreement so e-mailed the companies.

I now know that I need to send a postal order so that is my next task.

 

My situation is changing soon and I am taking a job with less hours.

I would really like to buy my flat.

 

I was hoping to clear the debts with a final settlement figure.

I spoke with Debt advice and they said that even if the companies do not find the agreement I still should pay as they could find it months down the line.

 

Can anyone offer some advice what they would do in my situation?

I would be most grateful.

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did you ever sent everyone you supposedly owe money to a CCA request??

you cant email it ...

to check they legally hold the required paperwork to even demand money from you...

sounds like you've been cash cowed for years here.

 

list your debts please..

 

who was the original creditor

when you took the credit out

what type of credit was it

who are you paying now

how much is still owing.

 

if the debts are not on your credit file they cant hurt you going for credit but you must update addresses as you move.

 

whoever 'debt advice' is they want shooting...

 

 

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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Oh no that's not good (paying something I don't need to)

 

£8,700 with Moorcroft think it was originally a Egg Loan - Now owed to Arrow Global

 

£1,172 with Wescot - It is a Lloyds credit card

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so CCA to arrows too.

 

and you are saying LLoyds still own the one wetcloth are being paid for?

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 know its a Lloyds card..you said that in post 1

but is it still owned by the oc

or are wetcloths client not Lloyds?

 

 

IMHO i'd dump Stepchange.

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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Yes still owned by Lloyds Wescloth are collecting on their behalf.

 

You think I should manage them myself? Will they start calling me every other day again?

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maybe do those cca requests, see what comes back.

can then decide what to do.

 

I thought all the accounts defaulted in 2010.

is that for sure, or are you on an 'arrangement' re dmp.

double check your credit files.

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you are under NO legal obligation to talk about your debts on the phone.

 

writing only put the phone down

 

then we'll deal with the deforestation as it comes thru your door

 

have you moved since taking these out?

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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Recently I checked my credit report as I was going to try and offer final settlement to 5 companies.

There is still one account showing on my file.

ok

which report did you check, check them all.

which one is still showing

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depends if they were actually defaulted in 2010.

if so, then yes they shld not be on there as a default as they shld go after 6 years.

when did you formally enter dmp?

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which cra report did you check.

check another cra to be sure.

if they are not on there in any form, great.

also double check the one still showing is as it shld be.

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you send a CCA to whoever is chasing you.

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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but not if they are acting for a client.

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...

it means you've caught them out cash cowing you.

 

well done

 

let them run.

 

until/unless one of 'em returns enforceable paperwork you now ignore them

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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Well done on tackling this head on. It is so easy to be frightened or feel fear of phone calls, visits, letters etc. The truth is as you are finding out, you are being cash cowed. They prey on peoples fears and your accounts being put on hold general means as DX says they have been caught out and bye bye paying them anymore of your hard earned money.

 

I did this and had all sorts of fears and now all this time later I look back and see that it was fear more than anything and the reality is I was cash cowed like you for too long but cag helped me wipe off nearly 28K.

 

Keep hold of all the paperwork they send you. Laugh at the we may, we might letters or use them to line a cat litter tray

 

JC x

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  • 2 weeks later...

Hello me again! Any help much appreciated !!

 

PR Group - letter saying we enclose documentation we have to date....( it is a credit card agreement signed by myself in 2007.)

No amount on there.

Then they go on to say we currently deeded this debt unenforceable.

Any ideas what they mean as I am confused as I thought the signed paperwork was what they can take to court. Glad if they cant !!

 

Wetcloth - We have contacted out client and they have sent a copy of your agreement . They have sent a copy of the credit card application form (not signed). They are still asking for payment

 

Arow - Letter received stating -Unable to obtain copies of the documents you asked for , your account is unenforceable.

 

Moorcoft - Letter stating we are requesting the information you asked for.

Then goes on to say we are not seeking to enforce an agreement ..

.If you believe we are unable to ask that your account is repaid please provide us specific details.

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Youve got it confirmed its unenforceable.

 

Ignore anything but an unlikely claim form now.

 

They know they cant do anything so theyre just trying to scare you into paying.

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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here

 

 

 

 

thanks .... That's good for the 1st and 3rd debt. Wetcloth sent a application form does that make the debt is enforceable?

 

Do I need to reply to Moorcoft?

 

thanks

 

scan up their letters please to pdf

upload

 

unfortunately I don't have access to the equipment to scan the letters.

 

yes you do

read the guide

use your phone or a tablet or anything with a digital camera

moorcroft-arrows - no CCA.pdf

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the arrow letter is stating the client is Britannia recoveries

if they've got it

then its a lemon debt

you most certainly don't do anything before coming back here

the agreement will be a cut n past jobbie for sure

a dca stating another DCA is the owner 1000% shows they had no right to any money in the first place.

 

 

same with the Moorcroft one

another dca chasing for another dca

your debts have been passed around , which means for years you've been treated as a cash cow by them and their mates at step change

 

 

here this mug is blindly paying

you have a go he really does just blindly pay up.

we've all got our holiday paid for now, so we'll pass it to you so we can have a nice party and his expense.

 

 

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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ok thank you so much your a star.

.. it is all abit of a minefield to me

but you seem to know a lot more than me luckily.

 

PR Group are saying their client is Vardi Experto.

 

When the letter is saying it can go on credit report for non payment.

 

The default can only go on once is that correct?

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