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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
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    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Arrow/Shoos SPC - Old NewDay Aqua Credit Card Debt ***Claim Dismissed no DN***


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post 8 refers

your post 16 has several lines of important document requests missing from my original.

 

ive not said give in

and they've not request the claim be resumed either

that's only the agreement

there no default notice

no notice of assignment

and

no statements.

 

all of which you've asked 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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Ok I never actually realised I changed your template letter I must have copied part from another source sorry. I’ll respond back to the sols about not providing all information and take it from there.

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no you do not reply.

our defences are not templates as each claim is different.

 

please don't fall for their willy waving

 

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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:wink:

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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  • 6 months later...

So after nearly 6 months shoos have decided to send a restart notice and I have a case management discussion this week.

 

I have since found out arrow global purchased the debt from idem servicing and not direct from Newday.

 

Do they need to have the proof that it was sold to idem as technically how can they prove idem had the right to sell to arrow?

 

What should I expect at the management discussion and what should I take with me?

 

What should I admit or not admit to?

Edited by dx100uk
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as post 53

I gather they've sent nothing new..

 

so the sheriff has written 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... 

Link to post
Share on other sites

The sheriff sent a notice saying it would be dismissed if neither party replied to restart the case.

 

Shoos then applies to restart using the statements and agreement etc as evidence but with a letter of assignment from idem servicing to arrow.

 

There is nothing to show the debt was originally assigned to idem from Newday?

 

Do they need this?

Edited by dx100uk
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not your problem

so who has the CMD letter come from?

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

who told you to attend a CMD?

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

in post 60 you stated that the sheriff said it would be dismissed if either party restarted the case

so you've rung and said they have and why has it not been now dismissed

this was in writing that he said this...

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

Yes but when the case was put on hold they said if neither party responded within 6 months the Sheriff would decide what to do with the case.

When the 6 months was nearly up the Sherriff sent a letter to say the case would be dismissed within 14 days unless either party responded with a restart notice.

 

This is when shoos submitted the restart notice and then The Sheriff ordered a CMD

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Have now received this from court?

 

Not sure if this is a good thing now as it gives Arrows plenty of time to come up with the documentation?

 

The court has received an Incidental Orders Application.

 

The sheriff has considered the Application and has given the following orders:–

 

Pausing Order

 

The sheriff orders the progress of this case to be paused.

 

This means that all upcoming hearings in this case have been cancelled.

No procedural steps may be taken in this case until the case has been restarted.

 

Either party can ask for this to happen by sending an Application to Restart Form to the court and to the other party.

 

Both parties should be aware that after six months, the sheriff clerk may write to you directing that a particular step should be taken.

 

If this is not done, the claim may be dismissed.

 

please scan up the referred letter re above.

 

if their IA was not dated by 1st march they are dead in the water

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

Here it is

 

This was the next letter sent

 

SO7

The Simple Procedure

Order of the Sheriff

Application to Pause

This is an order of the sheriff in a case which you are a party in. You should read it and follow it. You should also read Part 8 of the Simple Procedure Rules, which is about orders of the sheriff.

Sheriff Court:

Date of order:

Claimant:

Respondent:

Case reference number:

Hamilton

1 September 2017

Arrow Global Limited, Belvedere 12 Booth

The court has received an Incidental Orders Application.

The sheriff has considered the Application and has given the following orders:–

Pausing Order

The sheriff orders the progress of this case to be paused.

This means that all upcoming hearings in this case have been cancelled. No procedural steps may be taken in this case until the case has been restarted. Either party can ask for this to happen by sending an Application to Restart Form to the court and to the other party.

Both parties should be aware that after six months, the sheriff clerk may write to you directing that a particular step should be taken. If this is not done, the claim may be dismissed.

Signed by: Sheriff Bicket

Sheriff of The Sheriffdom of South Strathclyde, Dumfries and Galloway at Hamilton

This document has been electronically authenticated and requires no wet signature.

 

The next letter

 

 

FORM 8A

The Simple Procedure Order of the Sheriff

This is an order of the sheriff in a case which you are a party in. You should read it and follow it. You should also read Part 8 of the Simple Procedure Rules, which is about orders of the sheriff.

Sheriff Court:

Date of order:

Claimant:

Respondent:

Case reference number:

Hamilton

16 March 2018

Arrow Global Limited, Belvedere 12 Booth Street, Manchester, M2 4AW

This case has now been paused for 6 months, The Sheriff intends to dismiss the action with no expenses being due to or by either party, unless one or both parties write to the court within 14 days and sends a copy to the other party asking for the case to be restarted and explaining why it should be restarted.

Signed by: Sheriff Waldron

Sheriff of The Sheriffdom of South Strathclyde, Dumfries and Galloway at Hamilton

This document has been electronically authenticated and requires no wet signature.

 

The application to restart was then sent 26.03.18 and the letter to invite me to CDM from Sherriff was dated 11.04.18

orders.pdf

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thank so post 53 applies then

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 for telling us:evil:

scan them up to ONE multipage 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 don’t have anyway of scanning that many files. I submitted the agreemtba few posts back. The statements are just normal statements and the assignment is from idem to arrow.

 

I am thinking best way is try cut a deal with them at the CMD

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i'd rather you paid us that money when you win this case

read upload carefully all the info is there its very easy...

 

you submitted the agreement on 13th nov

my reply was the next day..post 53

 

those are fatal to 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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Looking through the documents sent to me they haven’t actually sent me a default notice. There is only a letter giving me notice that I had missed 2 payment but not actually any default notice. Hopefully this will give me something to argue about tomorrow.

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fatal.

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

Should I just ask for the case to be dismissed on the grounds that no default notice was given? I assume a default notice has to actually state that’s what it is?

 

Here is the notice?

2018-05-23 21-17.pdf

Edited by dx100uk
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that's a NOSIA letter NOT a default notice.

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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