Jump to content


  • Tweets

  • Posts

    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

been with Payplan for 10yrs...


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1991 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Good Morning

 

I have a slight problem

i entered a Debt management plan with pay plan in January 2008

all my creditors have been paid since joining and my credit file entries relating to the said debts have been wiped due to the 6 Year time scale, BAR one Marbles Credit card which during its journey has gone to many agencies

 

please see below:

 

mar bl e s ================ 22/01/2008

H F C 8888888888888888 22/01/2008

New Day (formerly S AV Credit) 8888888888888888 28/02/2009

Cap Quest Group Limited 888888 07/12/2012

Cap Quest Group Limited 888888 11/12/2012

Cap Quest Group Limited 888888888 12/12/2012

NCO Europe Ltd 888888888804/12/2017

 

 

The problem i am having this account is still showing live on my experian credit file even though i am pretty certain this went default in 2008 when all the other debts went default?

 

They are paid the same time every month on the 14th as i pay pay plan on the 12th of every month,

but they keep putting me down as late payments as they say the account is live and revolving and the terms are 30 day payments? so the payment date with NCO changes every month

 

i had this problem with cap quest last year with the same account and it took me ages to resolve and they did amend my credit file eventually , but the have now transferred it to NCO after i complained ( funny that) and the same problem has started again.

 

i think the best option is to try and find the default date so i can get this wiped off my credit file

after speaking to Marbles they only have information that my account was transferred to Cap quest in November 2012 ( even tough they account went into arrears before 2008) and any records before that have been archived.

 

Any help to rectify this would greatly be received and thank you for taking time to read and maybe helping

 

Mr frustrated

Link to post
Share on other sites

  • Replies 83
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

send them an sar.

it will be in the comms log.

HFC will have defaulted you 100%

 

shame you blindly paid all these debts off

and didn't once sent a CCA request?

 

as for NCO they are capquest! all part of the larger Arrows group

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

Thanks for the reply i entered a DMP with Payplan and that is why i pay them every month and to be honest i am not bothered by that as i did owe the money!!

 

The annoying thing is the underhand tactics with Capquest

this the second time they have posted late payments against my credit file,

i managed to get the first lot removed and then they passed my account to NCO and i cannot get any joy from anyone?

 

i am looking to get a mortgage so need this cleared up as my credit rating was 999 with experian until NCO took over my account and now have 2 late payment markers against it now.

 

Do i send the sar to Marbles or Capquest please? dx100uk

Link to post
Share on other sites

NCO are capquest.

stop ringing people esp fleecing DCA's they are NOT bailiffs

and have zero legal powers

 

and dump the morality card too..

ask yourself this question...

why would numerous original creditors sell your accounts to DCA's for 10p=£1

when they could have quite easily crushed you in court...

 

sar always goes to the OC [HFC]

their address is in the sticky on HFC forum homepage

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

i get you and yes i am begin to think i was naive,

 

answer me one question

why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

i wish i had known you before as i would happily gone down your route at the time and still would tell them to do one if there was recourse?

I really appreciate your time thank you.

 

Sorry i want to get this right is this the correct address

 

HSBC Bank plc

CCA & sa r Department

PO Box 5055

Coventry

CV3 9EF

Link to post
Share on other sites

i get you and yes i am begin to think i was naive, answer me one question why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

Because they like to take the path of least resistance, sending letters to confirm they have the legal right to demand money isn't what they do.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Now i take it that i am stuck in paying them untill all paid off

i still owe 14k in total or do i stop paying them ?

is the address for HFC the correct one above?

 

Also i see there are 24 people looking at this thread

maybe people might take notice if they are think what to do and sign up for info

 

i will also donate to help out guys

 

thanks for the info

Link to post
Share on other sites

send cabot a CCA request

 

address is ok

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

You STILL owe 14K!!!!!!

 

Now what does that tell you? You've been paying them for over ten years and you still owe a small fortune!

 

Sounds like they're still adding interest and fees?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

which they cant...

opps the cash cow story is getting worse...

 

bet the loan was 99% PPI and life insurance anyway...

all can be reclaimed!!

and all their penalty fees.

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

sorry guys the 14k is all my creditors under my Pay plan agreement which runs till 2020 it was over 50k,

 

the balances on this account is £1400 to which i make payments on time every month

but Capquest/ NCO keep moving the payment date because they state that it is an open credit account that has not defaulted ??

 

and my credit file is being penalized with late payments

 

see original above post

Link to post
Share on other sites

well don't stop yet eh?

let capquest fail the CCA request first!

 

so time to send EVERYONE you pay thru PP a CCA request bar mobile or bank account debts

 

how about you list your debts!

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

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

all my debts paid monthly with amounts paid by Paypal.

 

I want to do this and cannot believe i have stumbled across this site

what do i do next and can i claim back any monies i have paid since being in a DMP,

 

the only debt on my credit file is one of the NCO accounts

the only reservation i have doing this is i need to apply for a mortgage soon and need to bear that in mind ..

Link to post
Share on other sites

looks like 99% cash cowing to me

sadly no you cant claim the payments back from the DCA's

but you can reclaim from the org creditors PPI penalty fees etc

 

within 2 weeks I bet 90% of this will be unenforceable.

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

get those cca's off. Pretty much all the debts you owe. 99% of them will be Unenforceable.

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

Link to post
Share on other sites

no good we cant log in which we shouldn't nor want to be able to anyway on a anon forum.:lol:

 

list your debts please

 

original creditor

who you pay now

what type of credit

when you took it out

what is the defaulted date from your credit file.

amount still owing

 

ive hidden that upload too

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

lets see the full list 1st please

then we'll advise

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

thread retitled and moved to DMP forum

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

Here you go all defaulted 2008 and dont show on my credit file except Marbles credit card

 

Abbey National overdraft

held by Cabot Financial (Europe) Ltd

amount owed £1,866.57

 

Egg credit card

Cabot Financial (Europe) Ltd

owed

£2,279.13

Barclay Credit card

Cabot Financial (Europe) Ltd

£1,003.74

 

Le radoute catalogue

Debt Managers Ltd

£167.65

 

EON Energy

Fredrickson International Ltd

£255.62

 

GMAC UK PLC

GMAC UK PLC dealing

£81.32

 

Next Retail Ltd

Hoist Finance

£409.93

 

Egg Prudential loan

Link Financial Ltd

£2,431.29

 

MBNA International Ltd credit card

Link Financial Ltd

£2,451.11

 

MBNA International Ltd credit card partners

Link Financial Ltd

£1,317.41

 

Lloyds TSB Plc - Black Horse HP

Lloyds TSB Plc - Black Horse dealing

£352.67

 

Marbles Credit card

NCO Europe Ltd

£1,309.66

 

Sainsburys credit card

NCO Europe Ltd

£1,309.66

Capital One (Europe) Plc credit card

NCO Europe Ltd

£770.45

 

Tesco credit card

Paragon Personal Finance Ltd

£2,065.48

 

Thats all of them hope this helps and await which ones to send letters

Link to post
Share on other sites

CCA everyone of 'em bar the abbey OD

 

they have 12+2 working days then you can safely stop payments

PP wont like that.

so comeback 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... 

Link to post
Share on other sites

Just a quick question regarding the marbles credit card that is the only account still showing on credit file,

 

i am confident it has defaulted around 2008

 

do i need to send a SAR to marbles aka HFC or do i send a CCA to the DCA who is holding the account according to my Credit file?

 

this is the only account than can effect my credit file so want to thread carefully here.

 

if they cannot find the Credit agreement ( Capquest) do i demand that they take the entry of my credit file?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...