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    • Well that will lead to more backdoor CCJs. I think you need to complain to all and sundry.  Let's start with the BPA.  The BPA are PE's mates, so they will never decide that PE have done anything wrong.  But that's not the point, correspondence between the two may lead to PE promising to write to the Scottish address, which is all you want.  Check the below for accuracy as methinks you have sent more correspondence that what I've quoted.  How about something like - Dear BPA, Re : Parkingeye Ltd PCN no.XXXXX, Claim no.XXXXX PCN no.XXXXX I am writing to complain about your above-mentioned member. I understand of course that you cannot enter into the merits of why a PCN was issued. The reason for my complaint is that, instead of writing to me at my address at XXXXX, Scotland, your member insists in writing to me at XXXXX, England, which is an address which I have never lived at.  I have always resided at the Scottish address.  The address registered with the DVLA for the vehicle is my Scottish address. I first because aware of this mess when the person who lives at the English address kindly contacted me, to tell me that a County Court Judgement for me had arrived at that address.  I requested that Parking Eye agree to a set aside by consent.  However, they refused.  I ended up paying £XXX despite having had no chance to defend myself. Regardng the second PCN, I attach correspondence dated XX February and XX March.  The latter was a complaint - which your operator has completely ignored.  Even worse, they have instructed debt collecting agencies twice to write to the English address.  On top of this, the person at the English address is moving out next week which means I am in danger a second time of losing a court case by default. I would therefore like to complain about your operator and would request that you instruct them to do what should be a simple thing - to write to me at my correct address. Yours, XXXXX
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    • Hello DX -  So an update:  Resolvecall have written to say they have closed the account with them and passed it back to Capquest after receipt of my SB letter. Capquest have written twice, once offering a payment plan and the second letter after receiving my SB letter saying they are looking into my complaint and will respond within 8 weeks.   Absolutely no mention of what the debt is, was or from when or any details still.   Is this a case now of waiting to see what they come back with or is now the moment for me to send another letter via Solicitor please?
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1st Credit - considering county court on old halifax Overdraft debt


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It's statue barred 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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An that will add another month on too

 

Payments not made by you don't count

 

Looking good now

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 months later...

Hi all,

 

Well the other day I received a PAP letter for this overdraft account.

 

Do I just download the one from CAG, fill it in the same as the PAP guide advises or is there anything I need to add or miss out with it being for an overdraft?

 

Many thanks.

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there an OD guide there too

just state the debt is statute barred

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’m struggling to find the guide for an overdraft PAP letter... only guide I come across is this one..

 

 

“for debt covered by the consumer crediticon act:

 

send a CCA Requesticon along with the completed form:

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCAicon IN THEIR PAP LETTER!!

 

box D tick

 

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

I have requested by way of a CCA Requesticon the signed agreement from the debt purchaser

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1CCA PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money”

 

...

 

Should I just tick box D and state it’s stature barred and that’s all?

 

No CCA request etc?

 

Thanks.

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yes

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

CCA requests are not applicable to current account o/d facilities.

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you can always request those IF IF IF they are stupid enough to issue a court claim

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

  • 2 weeks later...

Received a reply to the PAP today claiming it’s not statute barred as a payment was made in June 2014, yes that’s right by a 3rd party in error and was returned to them about 3 months later... nothing to do with me.

 

They point out it was defaulted end of August 2012.

 

The 23rd April 2012 was the last time I actually used this account to make a payment myself.

 

....

 

How do I proceed?

 

Do I write to them and point out when I actually last used the account and a 3rd party making a payment doesn’t class as me acknowledging the debt?

 

Or just sit and see what they do next?

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Ignore

Until/unless they issue a claimform

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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  • 1 month later...

Hi again,

 

Today received a further letter claiming they haven’t heard from me and giving me 14days before they issue court proceedings.

 

Is it not worth a last attempt at avoiding court and send them a letter saying again its statute barred and they are fully aware payments not made by me don’t count?

 

Or is the best plan as previous post and continue to wait until I receive court papers?

 

Thanks again.

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No read it properly

Bet it doesnt say will anything?

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

Well it says 14 days notice of their intention to instruct their solicitors to issue court proceedings.

 

Just checking the best way forward.

 

Thanks.

 

Or is that the magic word... intention?

Edited by dx100uk
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So not will..

I intend to instruct my dog to sit

If it does is a totally diff matter

 

Read the properly and CAREFULLY

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

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