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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Advice on debt


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I have six outstanding debts that defaulted over six years ago.

 

Five have been passed on to DCAs, one remains with the original company.

 

I pay a nominal amount each month.

 

From reading various threads on the site it seems that once passed to a DCA payment should still be made to the OC.

 

I am confused because in the case of an outstanding amount to the AA they have only recently sent a letter advising they have assigned the debt to Intrum.

 

In the case of four of the other debts I am confused as to who I should be paying, especially when you receive a letter from a DCA saying they have bought the debt. If they haven't then how do they get the debt and if I pay them why does the OC not contact me when the monthly payment is missed?

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If the debt have been assigned to the DCA then payment should be to the new legal owner...assuming they are legally allowed to collect on the debt and there is no dispute with the original creditor for withholding payment.

We could do with some help from you.

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CCA request to each one time me thinks?

 

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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If they are CCA regulated debts

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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looks like most of them are by previous threads on each one.

 

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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Can you provide more details on each debt please

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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Can you provide more details on each debt please

 

One is a loan, four are cc and one is an overdraft.

 

All defaulted from 2011 to end of January this year.

 

The loan has been with Blair Oliver & Scott, Drysden Fairfax, Westcot and now Ingrum.

 

CCs - HSBC

Lloyds - passed to PRA

Sainsburys - now with Cabott

Tesco - just passed to DCA

M&S - still with M&S.

 

I pay a nominal sum each month for the above.

 

My Lloyds overdraft has been with Cabott for some months. Lloyds defaulted me and so did Cabott so I have these two remaining. I emailed Cabott to get them to remove it, they said they would. Wrote to Lloyds to get them to remove the default. They wrote back apologising for it not being removed sooner.

 

I have not requested a CCA for any of them. I am going to though.

 

Thanks!

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Overdrafts don't fall under the normal CCA request, but I guarantee that it's littered with reclaimable fees and charges?

 

When did you take the loan out?

 

Was this a Halifax loan?

 

Was there any PPI on it?

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!

 

 

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CCA the ones with a DCA. Cabot dont chase legit debts. Neither do PRA

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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CCA the ones with a DCA. Cabot dont chase legit debts. Neither do PRA

 

If that is the case how come Cabot contacted me saying they bought the debt from Lloyds and Sains?

 

They have also on a number of occasions offered me a "settlement" figure on both amounts which I have declined on both occasions!

 

PRA - so are they chasing for this debt when in fact they probably don't own it? I have only had one conversation with them as they told me they can't contact me as I had specified no contact by phone or letter in a letter I sent them over two years go. This is all very strange.

 

I had a letter from the AA last week telling me they have assigned my debt to Intrum .

 

I will certainly CCA the DCA ones for sure.

 

Thank you!

Edited by Andyorch
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Just because they bought a debt, doesnt mean its enforceable. CCA them. The offer of a settlement/discount also shows that its unenforceable. They just want to get SOMETHING from you befor eyou find out how its 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

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What do you mean by "unenforceable"? Hold fire I just checked and it is what I thought it was!

 

In that case would the OC sell the debt to for example Cabot for x amount and then Cabot basically try their luck to get me to pay any amount?

 

My AA loan is not with Intrum - I am getting confused as I posted about another debt that they had bought.

 

I will check the AA loan and update :)

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its ONLY what DCA's do AS.

 

sc@m people on debts they don't even owe 99% of the time

do wake up you've been here since 2011 and only just realised that.!!

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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True I have been here on and off since 2011 :wink:

however in my defence I have found it a bit of a grey area with regard to DCA especially when you have had a letter from the OC advising of them passing the debt on.

 

Do you pay the DCA or not?

As I said above I have been paying some a minimal amount but will stop now and CCA them.

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just type no need to hit reply with quote

makes a thread twice as long.

several unnecessary of previous posters responses removed

 

there is passing on, whereby the dca states their client is still the OC

those you ignore the dca and onlt ever deal direct with the OC.

 

then there is selling the debt on whereby you get a notice of assignment that tells you its been sold and now owned by xyz DCA.

typically you get a letter from the dca introducing themselves in the same envelope

 

brig explained all this years ago in your other threads here.

 

anyway, with and enforceable and signed consumer credit agreement they aint going nowhere.

which is why a CCA request is so important once a debt ha been sold on.

 

ideally you should have stopped paying years ago.

force their hand, then you findout the truth

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 - noted what you say about hitting reply with quote......

 

I have posted 115 times - you over 124,000. Replies on here may be straightforward and obvious to some but others may find them not so easy to get their heads round.

 

If Brig explained this years ago - I didn't understand it all then as otherwise I would not have fretted as I have done over some of my still outstanding debts. I was more concerned with the defaults, finding employment again after redundancy started this mess, so by paying only a minimal monthly amount I at least stopped the harassment I experienced initially from both the OC and DCAs.

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defaults shouldnt harm employment changes at all AS. not sure where you've got that from...

 

its better they are defaulted, as I think most of yours are ?

then the debts vanish from your credit file after 6yrs regardless to what you do with them ….paying or not, paid off or not

never to return.

 

you've highlighted the only thing a dca can do..harassment. that's about it really

they've no more legal powers than you or I.

 

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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No that's not what I meant at all. I was made redundant and the debts are a knock on effect from that - it took me a while to find further employment. Nothing to do with defaults I know!

 

Yes all mine have vanished with the exception of a Lloyds one that should have done some time ago. I wrote to them asking them to remove it and they replied apologising and saying they will get it removed. Cabot also filed a default which ended on 28.01.19 and which will go on the next update of my credit report. They should not have logged this default at all.

 

Thanks!

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so over all not looking too bad then.

 

lets see what they all come up with then.

Edited by Andyorch
Edited

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...

The AA loan I have that I have been defaulted on and which is no longer showing on my credit report as six years have elapsed has been passed to Cabot.

 

I have received SAR documentation which I requested from Lloyds and surprisingly the paperwork from the loan was included - have since noted HBOS are part of Lloyds.     On looking through the paperwork I came across the words "bad debt W/O".   I have written to Lloyds again to gain clarity on this as there was nothing relating to them passing this over to Cabot.      If the debt has been written off how have Cabot got their hands on it?     I still find it confusing how DCAs seemingly cherry pick debtors.   Is their a database they have access to or something?

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w/o means the original creditors has written it off as bad debt on their books.

 

reclaimed against tax and got payouts from their business insurance scheme they might have

then they sell it on to a debt buyer for 15p=£1

then they come after you for the full value

it cant come back on your file.

 

see what cabot do.

get reading up  

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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So they do that and still sell on to debt buyer?   What low lifes eh?    Then the DCA will chase and harass for the original outstanding amount.    You couldn't make it up really could you.

 

Nothing from Cabot so far.     Thanks for the response.

 

 

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That's exactly how every single dca works.

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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Included in a SAR I requested from Sainsburys CC are lots of statements with the outstanding balance remaining exactly the same each month.      I have never been sent any of these statements.     Would that be because Cabot have been involved in chasing for money?

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No required to send any once the a/c was terminated by the oc

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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