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    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
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I had credit card with saga,they no longer deal with allied Irish bank so they have sold the card.They are now using a debt management company to collect payment.

the information has been appalling.No longer can we pay minimum payment or just above.

They treat is as a fixed payment.

 

For example my monthly payment this month 115.00 they suggested 200.00.Also they class this as an arrangement to pay and have sent I and e form.

i have never missed a payment or been late but now fee, they think I cannot afford my finances.

 

What are my rights can anyone enlighten me please

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you mean its been sold to a DCA.

who

when did you take the card out please?

 

 


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Sorry naive on links etc how would I provide a link 

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It has been outsourced to link financial they are a DMC  

They seemed surprised when I refused income a d expenditure and that the account is  not in arrears. Saga just happened to stop dealing 28 th March 2019 day before Brexit.

To top it all I they said they would,d collect the last payment to them 29 May 2019, my due date is 5th so I called them 3rd June said I hadn't heard from new company and didn't want to be recorded as missed payment. They refused the payment stated I needed to wait for contact then marked me as overdue payment. That cant be right.

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why do you need to link something?

 

answer post 2 q's please


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stop calling a powerless DCA!!

 

they are not bailiffs

when did you take this card out?

did you get a notice of assignment?

 


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No notice of assignment just a letter saying they were stopping their dealings with allied Irish bank.

 

Took card out about 6 years ago

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so how come link have gotten ahold of it then?

 

sounds like saga has sold your debt to LInk 

they are a debt buyer

have you any letters from link at all?
 

 


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And they have zero rights to be demanding anything from you. The only people legally allowed to ask for an income and expenditure sheet from you are the courts, council tax or HMRC. Certainly not some jumped up call centre like Link Financial.

 

That is why you should never ever speak to them by phone, their agents have training to intimidate people into making commitments that are not in your advantage, and they have no legal right to be doing.

 

 

 

 

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If I can explain,

Our Saga credit card has run as Normal.

Saga used allied Irish bank.

 

Saga sent a letter in January saying as from 28 March 2019 they would no longer be using Allied Irish Bank and that they would no longer be servicing the card.

At that time they did not know who they were handing the card over to.

 

After many telephone calls to them we received a letter middle of May 2018 stating it had been sold to a company LRC who use an out sourcing company to collect payment. They said the last payments that SAGA would collect would be 28 May from then on we would pay the new company.

 

I called Saga and asked how to make my payment as it would be due on 5 JUne 219.

They said wait for the new company to make contact as the new company would be taking over the payments from 11 June 2019.

 

I pointed out that this would make me behind by 5 days, I was told not to worry it wouldn't go against me.

Then I get a statement 2 days later with a missed payment on.

 

I called again and was line was dead I called the main Saga line.

I was given the number the new company which I called.

 

This was apparently Link Financial who went straight down the route of DMC saying they could make a payment arrangement.

I was indignant said NO not a payment arrangement I just want to make a normal payment, I was not in arrears or missed payments.

They took my monthly payment then told me this will be a regular fixed amount until the balance clears.

 

Then I get a letter stating this arrangement is for 12 months subject to financial review and another letter suggesting £200 per month. 

 

This is now as far as I am concerned being treated as a loan and I am worried about my credit file being affetected.

There is no assignment letter etc.

I realise firms can assign loans however to change the payment type amount etc cant be right.

 

Looking for pointers how to handle.

Feel like going to watch dog

 

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Well Link are not a creditor...so the agreement has now been terminated and only valid for payment only...you exiting payment arrangement still stands as per terms and conditions of the Saga agreement....5% as a minimum payment or whatever.

 

Saga should have notified you in writing that the agreement has been terminated and the amount assigned to link.


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