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    • are you actually going to benefit out of this at all?   I was slightly getting confused here earlier, and forgot you said you are the claimant because you are suing the defendant for the cost of a hire car that you personally haven't had to pay for ?    
    • I received PCN's from TFL and Southwark. 08/06/19   I spoke with Southwark regarding PCN's and thought it was sorted.   Didn't hear anything back until 17/01/20 when my car was taken by Marston EA.   TFL & Marston say they sent letters but have no proof.   I emailed TFL (19th June) through their online portal and again, via email on (14th Nov 2019) < the email on 14th has been viewed 17 times but no reply.   (so I have proof of contact, they don't) I asked them if they send via recoded delivery/signed for but they do not.   When my car was taken, I received a call from a friend saying it's on the back of a truck, outside his house (which is round the block from mine).   I ran round there and the EA was aggressive, shouted at me and refused to show ID/why he had taken my car.   I complained to Marston who denied it but sent me some of the footage.   I complained again through resolver.co.uk and Marston lied again.   Then I sent ALL my info and evidence etc.   They then took a few weeks and called me saying sorry and taking full responsibly for their EA's aggressive behaviour etc.   TFL are still refusing to comment.   Marston offered me £250 as a goodwill payment but obviously the pain and trauma causes - that doesn't cover it.   The police were called when they took my car cause I was so distressed and having a panic attack etc.   I've requested the phone call recording where they accepted guilt and that they had handled everything badly, including lying about the video on Resovler.   I feel like Marston know they've done wrong, but TFL still aren't in the know. (to my knowledge)   Also, I requested info from TFL via whatdotheyknow.com and TFL did a data protection breach by uploading my full details including address etc. to a public forum (and I didn't even ask anything specific about my case) so I feel like they did this out of spite/anger.   the www.whatdotheyknow.com team reprimanded them for this and advised me to complain.   I also paid £800+ to retrieve my vehicle and I have completed the OOT which was denied. I tried to take it to court but when I tried to do the 'low income' thing but they wanted bank statements which I couldn't get... then corona happened.   I've downloaded/uploaded the ZIP file from Resolver convos.   Regarding the footage: my initial message to them, I made myself seem unaware and 'stupid'   they wrote a generic reply telling me that 'the footage is fine and the EA did nothing wrong' they can't uphold my complaint,   then once they sent that; I sent them the CIVEA rulebook and timestamps in the video to show that they were in the wrong and had further lied in their official response (which must be illegal)   when they received the in-depth response, I think they got scared, went away for a couple weeks   tried to get the nice sounding woman to call me up, say sorry and be really nice then offer me a measly £250.   She also tried to rush me into agreeing.   
    • No it was about under by a couple grand.    Cheers
    • yes. Did you earn over £12,500  with that employer during the year?
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torch1

Need advice - £70k debt - should I quit DMP now?

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Not if you have already sent IDEM one...Wescot do not buy debts...just chase.

 

You mean IDEM are paying Wescot to do them same thing that IDEM do, send out letters?

Why would they do that? IDEM already sent me CCJ PAP forms etc. Are Wescot more likely to initiate the court action than IDEM then?

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only the owner of a debt can do court

 

as for why they are doing this

how on earth do you think the industry works?

 

its all DCA's can do threaten


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Are Wescot more likely to initiate the court action than IDEM then? Do you read the abover post?????????????? wetcloths are only hopeful commission collectors = no powers use their letters as spare paper for another room if you run out


:mad2::-x:jaw::sad:

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Today I received a white county court claim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012.

 

On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information. Specifically I wrote:

 

I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA Group (UK) Limited, the debt purchaser or any predecessor, © Details of all contractual interest added by whom and on what date, (d) List of ALL Payments made toward the Agreement.

 

 

The PRA group letter on the 12th said, that in response to my query (PAP form) please find enclosed copy of statement of account from MBNA and a copy of the credit agreement (was an online application 2008) plus statements from the MBA credit card (virgin).

 

The letter goes on to say that they will put the account on hold for 30 days until 12th December to allow sufficient time to receive the letter and contact them.

 

Today I received the county court claim form.

 

I don't know what to do now? Please advise. Should I try to a negotiate an offer with PRA or will I have to pay in full somehow! I don't want a CCJ registered.

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Hi torch1 ...please start a new thread for the court claim in the Financial Legal Issues forum

 

Regards

 

Andy


We could do with some help from you.

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defaulted 2012, when exactly? If it was before the 12th dec the debt will be SB so they will lose.

When did you last acknowledge the debt? demanding sight of paperwork is not an admittance the money is owed, it is merely a request for them to show proof there is a debt for you to consider.

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I think he might have been paying it off as part of the DMP he was on.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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60% discount offer received from Lowell today regarding post 2007 HSPF loan - previously with Wescot.

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60% discount offer received from Lowell today regarding post 2007 HSPF loan - previously with Wescot.

 

Guaranteed to be an unenforceable debt. Have you CCA'd etc to stop them in their tracks before they try and call your bluff with a pap?


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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I CCA'd Wescot over a year ago but not Lowell. Should I send a new CCA request to Lowell?

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For what debt?

Not sure where we ever recommend sending a cca to a dca that is only a chaser..it goes to their client...


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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