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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Arrows/restons claimform - Newday Credit Card


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Hi im a newbie

 

My husband received court letters today Claimant ARROW GLOBAL LTD .

 

My husband is in ill health and im his carer and this is very worrying.

 

On the court letters paticulars of claim.

 

payment of the overdue balance ***** from the defendant under contract between the defendant and NewDay Ltd dated 2008 and assigned to the claimant on 2016.

 

but can anyone advise on what to do now as he only has 14 days to respond.

 

Is this a sold debt or something is it statue barred.

 

Any help will be appreciated.

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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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It'll be a sold debt to Arrow Global who will then give it to Restons/

Please dont worry - Fill out the link DX Gave you and we will then beable to help.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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no restons cant take legal action

only the owner of a debt can

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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Incidentally, if you send off an acknowledgement of service then you will get an extra 14 days – 28 days in all.

 

If you have a look at the papers you have received, you will see a document which allows you to do this – your knowledge with intention to defend.

 

You should be able to do this online.

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Thank you for replies

 

 

this all seems realy technical

 

 

im realy confused

 

 

now ive read through diffrent things but not sinking in.

 

 

Do i send the CPR 31.14 request to the solicitors on the form and also i notice it does state on the court forms dated on or about sep 2008 are they not sure of the date on or about does seems they not sure.

 

 

Also if i do court letter online what do i put in defence box please.Thank you

Edited by ctx3030
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we'll advise/deal with CCA/CPR and AOS once you've done that

theres no rush on those today.

get that link done please

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

Date of issue – . 06/june 2017

 

What is the claim for –

 

 

1.Payment of the Overdue balance due from the defendant under a contract between the Defendant and NewDay Ltd dated 2008 and assigned to the claimant 2016 ARROW GLOBAL

 

What is the value of the claim?£3875

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card

 

When did you enter into the original agreement before or after 2007? 2008

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Dont know dont recall

 

What was the date of your last payment? Dont know

 

Was there a dispute with the original creditor that remains unresolved? no

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? no

 

Thank you for that help

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yes really need to answer some of the questions no

or don't know doesn't help us to help you

 

 

esp when you last paid this

have a guess was if after 2010?

is there anything on your credit file please

go look its free

noddle or clear score or equifax.

 

 

and is the ALL in the Particulars of claim box?

is what you have type EXACTLY as they've written it [minus card number?]

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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Hi

i have found 4 letters

1 dated 2015 from the CC writing to let me know Newday ltd has assigned all of its respective rights ,title ,and interest to IDEM CAPITAL SECURITIES.

 

Letter 2 from IDEM SERVICING stating they had purchased the debt 2015

 

Letter 3 From Wescot in 2015 informing they are working on behalf of Idem Servicing to contact them for the outstanding balance.

 

Letter 4 in 2015 Idem had instructed Moorcroft Group to collect outstanding balance.

 

Now on the court papers its ARROW GLOBAL LTD realy confused now.

Also i checked 2credit files and there is a default from Arrow Global LTD in 2015

 

The court letters states the claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and NEWDAY LTD dated on or about sep 2008 and assigned to the claimant on 2016.

 

 

Due to my husband in ill health

he's recovering from lung cancer and a whole lot of other medical issues he is on benefits and retired.

 

 

He thinks it was about 5 years ago

but the default on credit file says defaulted 2015.

 

 

Any help will be appreciated please.

 

 

There is also £265 in court fees aswell

Edited by dx100uk
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ok thank you

don't get confused

its quite simple

 

 

Newday cards - whom I suspect bought this debt from GE money or Santander as I bet is was a store card from years ago?

do you remember or can you find older letters [newday didn't issue their own cards until much later than 2008}

 

 

anyhow.

newday sold the debt to IDEN DCA in 2015,

when they did this they would have defaulted you first

then the credit file owners name [newday] was replaced by IDEM [hence the default is in their name now]

 

 

they got wetcloths

then Moorcrap to chase you

but IDEM remained the owner, - listed as their client if your read the letter, NOT sold again

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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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

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

you read what I've written:

 

 

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

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

  • 3 weeks later...

i done all the court papers and sent £1 postal order off to Arrow

 

 

i received 2 letters back today both the same just one of them with the £1 postal order returned .

 

 

This is the letter.

 

We thank you for your letter and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974

 

We do not accept that we are the creditor as envisaged by the above statute.

 

 

However we are willing to assist in obtaining that which has been requested.

 

 

We will now process your request for documentation from creditor and will revert in due course.

 

We confirm that all collection activity will be suspended pending provision of the documents.

 

We return your £1 payment.

 

Have i just got to sit back and wait now thanks

Edited by dx100uk
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usual response if you go read other arrows claimform threads

just do not miss

your defence filing date no matter what happens

 

 

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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  • 3 weeks later...

Hi i only just got new printer today and received this letter last week thanks for looking can someone have a look at this letter please.It wont upload my letters its saying error any reason for this please

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pdf please

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

I cant upload files wont let me but this is letter ive received

 

We note you have recently filed a Defence to the court proceedings issued against youmwhereby you state that we have not complied with your request under CPR 31.14.

 

We would point out that the claim was issued via the County COURT Business Centre which is a procedure specifically provided for in the CPR.

 

This procedure only allows a Claimant to insert brief details of the Claim and does not allow for the attachmement of any enclosures.

 

Paragragh 5.2A of Practice Direction 7E specifically states.

The requirementsin paragraph 7.3 of Practice Direction 16 for Documents to be attached to the paticulars of contract claims does not apply to claims started using an online claim form,unless the paticulars of claim are served separately in accordance with paragraph 5.2 of this practice direction.

We would also remind you that CPR31.14 states

A party may inspect a document mentioned in

 

(a)a statement case

(b)a witness statement

©a witness summary or

(d)an affidavit

Furthermore the other documents you have requested are not mentione in the Particulars of Claim and therefore CPR 31.14(1) does not apply.

We would point outthat the Particulars of Claim contains sufficient informationin order for you to understand what the Claim realtes to namely.

a)the date the account was opened

b)the account number

c)the outstanding balance

d)the name of the original creditor,and

e)the fact that the account has been assigned to the Claimant and when it was assigned.

 

It is our understanding that a Default Notice was served prior to the account being assigned to the Claimant.In any event,the Claimant has a contaraual right to terminate the Credit Agreement by serving a termination notice.Therefore any argument about non service of a valid Default Notice will not assist you defending these proceedings.

 

For the avoidance of doubt and for the reasons set our above we will not be formally responding to your request.

In any event we are aware that you made a request pursuant to s77/78 of the Consumer Credit Act 1974 and we can confirm that your account is currently on hold pending that request.Once this has been complied with we will contact you further.

Thank you for your patience in the matter

 

What does all this mean can any one tell me thanks

 

Sorry did not realise but ive typed the letter abbove thanks

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what does you mean wont let you?

how far down the instructions do you get.

go advanced

manage attachment

select file

?

I gather this is a letter from restons?

 

you have filed a defence it was haven't you

this was due LAST FRIDAY.

 

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

you have filed a defence ???

IT WAS DUE LAST FRIDAY!!

 

 

re post 17

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 i filed defence and received a reply from courts to acknowledge receipt of defence.This was dated 16th June and they gave 28 days to them and said they will inform me what will happen thanks and the above letter was from Reston

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