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    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
    • PRA have purchased the debt 
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SoggyMoggy

Gladstones Letter Before Clain - SCOTLAND Home Bargains, Bathgate EH48 2RA

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I have received a Letter Before Claim from Gladstones. This is in relation to a windscreen Parking Charge Notice from Euro Parking Services.

 

 

1 The date of infringement? 22/4/16

 

2 Have you yet appealed to the parking company yet? [Y/N?] NO, I HAVE TOTALLY IGNORED SO FAR.

 

if you have then please post up whatever you sent and how you sent it and the date you sent it,

suitably redacted. [as a PDF- follow the upload guide

 

has there been a response?

please post it up as well, suitably redacted. [as a PDF- follow the upload guide]

If you haven't appealed yet - ,.........

have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] YES

what date is on it 10/6/16 REC'D 13/6/16

Did the NTK provide photographic evidence? YES

 

3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NO

4 If you appealed after receiving the NTK,

did the parking company give you any information regarding the further appeals process?

[it is well known that parking companies will reject any appeal whatever the circumstances]

 

5 Who is the parking company? EURO PARKING SERVICES

 

6. where exactly [Carpark name and town] did you park? HOME BARGAINS, BATHGATE, EH48 2RA

 

 

The PCN asks me to pay up or to provide them with the name and address of the driver, otherwise they "have the right to recover" from me.

I didn't reply, but I wasn't driving.

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they don't

POFA is not applicable to Scotland so they cant enforce it against the keeper.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I would always respond to a lba, even a badly written one from Gladdys.

A simple "I was not the driver and there is no keeper liability in this matter so stop telling lies about having the right to recover". should suffice. I would keep it as short as that so you dotn say anything that may help them.

Having sent that if they do go further they will generate an unreasonable behaviour costs order if they decide to ask their client to waste more money on this.

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It wasn't Gladdys who said they have the right to recover. I will just send them "I was not the driver and there is no keeper liability".

 

They want me to fill out an online form if I believe I have a valid reason for non payment, I'm guessing I don't fill in anything online (giving them my email address).

 

I can request a paper version of this form by filling in a slip which consists of a checkbox and my signature, I'm also guessing that I don't I sign anything to them. Is my best course of action to just send them they letter as above without signing it???

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just send a letter as EB states make ref to the PCN number or their ref number

PC print your name only

 

can I just check..does their bumpf mention decree and not CCJ


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi DX,

 

Their bumpf doesn't mention either CCJ or decree.

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then it cant be a letter of claim under the PAP rules.

no need to do anything.

 

scan it up to PDF please read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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PAP doesn't apply in Scotland

looks like you've just got a std autogenerated PC spewed out one.

I believe they have to send the reply form too.

obviously they've found that costs too much money to print out 6 pages to the 10'000's of mugs they send these to

when most don't reply anyway other than blindly cough up.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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should I reply as above to warm them that I will contest it or continue to ignore?

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reply exactly as EB advised using those words


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Will do, I'll get it in the post tonight. Thanks for your help and thanks to EB too.

 

No doubt they'll reply with a scary letter.

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use the quoted words, no more and no less.

 

They will then know that you arent so dumb as to fall for their rubbish demands and hopefullly it will be the end of the matter, if you add more it will encourage them to think that you might pay up if they tell a different lie and keep up their harassment

Edited by honeybee13
Paras, typos

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use the quoted words, no more and no less.

 

They will then know that you arent so dumb as to fall for their rubbish demands and hopefullly it will be the end of the matter, if you add more it will encourage them to think that you might pay up if they tell a different lie and keep up their harassment

 

Thanks EB. It's in the post.

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Further to this, I was surprised to see another letter from Gladdys today (attached).  I was expecting a claim next, well I wasn't expecting anything but another threatogram was laughable.

 

Considering they are trying to frighten me with POFA and that doesn't apply in Scotland, will I be safe to ignore this and any other letters (except a claim)?

 

 

Gladds response redacted.pdf

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yes you've had a letter of claim

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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so you respond to  Gladdys and copy letter to parking co as they have to pay for Will and John's cock ups.

 

Dear sirs,

I am in receipt of your latter dated the 15th inst and note that despite being solicitors you do not seem to know that the POFA doesn't apply to Scotland. This surprises me  since you also run the IPC and  presumably are expected to have some knowledge of the law before you spout forth to your members on such matters.

 

just to make things clear, there is no liability to your client whatsoever and any claim will be robustly defended and a full costs recovery order sought as your conduct would palpably unreasonable by trying to exert a liability that you know  doesn't exist.

 

To save you wasting more ink, I deny being the driver at the time and  you  cannot make assumptions  or claims as to who was driving as you have fallen at that hurdle on many occasions before.

 

It may not stop them trying their luck but it will make it hard to persaude a judge they werent being unreasonable in trying to flog a dead horse and you the stand a good change of getting a decent amoutn for your time spent on this matter as costs.

 

The idea of sending a  copy to the parking co is so that they actually see it and can then decide whether this dog bites rather than just relying on Will and John's word that you wont

  • Haha 1

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