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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the 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 “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 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.   4.4        I also do not believe the claimant possesses these documents.   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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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.”  7.6 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 recoverabl15e 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...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • 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).
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Moneybarn - Return of Goods Order Suspended By Consent Order


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Can anyone advise me please?

 

Are additional charges and court costs allowed to form part of a judgement order?

 

Cirumstances relate to

I took out high interest moneybarn finance in November 2016 to buy a car priced at £6995 the finance was 60 mths £240.82 per month.

The first payment was due in 17 Dec 16, which I immediately struggled to pay due to income issues.

I did at the time speak to Moneybarn and to avoid bank charges I cancelled the direct debit in December 16.

 

I was unable to make the payment due 17/1/17.

I was charged £18 on 10/1/7 & £18 on 8/2/17 both charges list on the statement as DD failure charge,

I never received notification of these charges and there wasnt even a DD in place.

 

10/2/17 they issued a default notice and charged the account £18 -  2 months missed.

On 2/3/18 the contract terminated

 

I was not informed of this and continued to make payments

by 8/3/18 I had paid £488 to them

 

contacted them on 8/3/18 to see how much more was required to bring account in line only to be told the contract terminated on 2/3/19,

I received the cancellation bill etc finally around 20th march which I kept the envelope it came in.

 

I was told not to worry as they can arrange for a Judgement for delivery of goods by consent order through the courts and it would be suspended as long as I made the payments.

 

The court cost totalled £408 and they advised me if I attended a hearing the court costs would increase.

This process for them to arrange took approx 2 months in total and I was pressed for my signed docs to be returned by 28/4/17  or an agent would have attend court.

 

I was required to agree to;

1 payment £315.50

11 payments £315.42

43 payments of £240.82

 

The judgement balance claimed £14140.82 inclusive of costs (£408)

 

The  3 x £18 charges are also included in the total amount but are not listed so are masked within the listed balance of the finance.

The starting figure for the finance £14208.00

 

 

 

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well apart from lying to you to avoid you attending court and possibly objecting to the return of goods order

I cant see anything wrong sadly.

 

so you signed a tomlin order to suspend the return of goods order as long as you make the required payments?

court costs are allowed [though if £408 are is correct I have no idea]

 

there are a few unlawful penalty charges there but they are the least of your worries.

 

as usual for moneybarn, they either haven't a clue what they are doing

don't understand rules

or

make them up as they go along.

 

 

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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Thanks for your reply.

 

To date ive paid £8098 and this agrees to their statements

the order requires payments inc Oct 19 of £8119 so to be totally up to date i need to pay £21,

however every month they claim im in arrears with the order.

 

 I asked them on 4th Oct to explain the arrears they allege.

They finally replied today and again just referred me as they always do me to the order, state their calculations are correct and now alledge I owe £551 in arrears?? 

 

Im concerned I have no rights due to the order?

 

Can they just take the car as they allege im in arrears or do they have to return to court?

 

Is there anyway the courts can resolve the arrears issue?

Thanks

 

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no they cant just take the car

they would have to return to court and get court bailiffs to enforce the ROG.

 

are their statements complete, i'e they show how each month the balance is made and what you have to pay/

I hope they aren't adding extra charges each month too?

they can ONLY demand what the COURT agreed with on the signed tomlin

 

it was a tomlin order 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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Check to see if they are adding monthly charges inflating arrears as per DX.

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Yes it was a tomlin/consent order

I have a recent statement its not showing any additional charges on it.

The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38 

Capital £6995.00

Interest £7213.38

Plus 3 x £18 charges 

I presume if it went to court again I would be notified? 

 

I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?

 

Not sure if relevant but on 16/6/17 the initiated a direct debit £315 using my original instruction from 2016, which I cancelled then queried and was informed it was an error,

 

they then sent me a letter on 10/8/17 stating "based on my recent contact set out below are the details of the payment plan agreed for you to repay the installments under the court order

1@ 359

8 @ 315

43 @ 240.82

1 @ 80

I never had any contact relating to this at all, so would this suggest they have altered the repayment plan from what the order states? 

 

Trying every avenue to see how they claim im in arrears.

 

They also again on 16/8/18 initiated another direct debit for £480 using my original details, which I cancelled.

 

Then again on 16/9/18 for £240.82.

 

 

 

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that's mortgages and repossession of homes where they cant inc the arrears/charges.

 

pers i'd just for the moment keep paying

get an sar running to them.

 

do you have a copy of the tomlin you signed?

that ALL you have to pay and when .

as the court agreed it.

 

 

 

 

 

 

 

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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When a default is sent,

am I correct in presuming the 14 days starts once its deemed to have been served?

 

(So for example, if posted on a Friday the first accountable day is the Monday and sat/sun or bank holidays do not count)

 

If the date was Friday 4th October

am I correct in presuming (based on my first question being correct) that Thursday 25th October would be a  deadline to adhere to a default sent on the 4th?

 

If so, would the 26th be the first day a creditor could initiate further action if a debtor had not be able correct the details required on the default?

 

 

 

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a default notice must specify a DATE not 14 days

 

who's this from

and whats the debt all about.

 

 

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 need to check the requirement of a default before I post some information, concerns and request if possible further assistance on a post I have already started in moneybarn issues and wasnt sure which topic to post my question in.

 

Altbough a default requires a date for rectification, does that date still require a minimum of 14 days from the date of service before any further action can be taken?

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threads merged.

 

just pay what is stated and agreed in the tomlin.

pers I wouldn't worry about the finer points.

 

if you have any penalty charges 

get them taken off the bal. [£18 etc]

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 weeks later...

Sorry but just one small further issue if anyone could advise;

 

Along with ,the £54 extra charges, they added cost to issue proceedings £308.00 plus an application fee £100, which I do not know what that application refers to.

 

The consent order was returned to them on 13/4/17 and they confirmed receipt of,

however they then submitted the initial court proceedings

(I wasnt aware of this and was led to believe proceedings where already in place), 

they where actually issued on 26/4/17.  

 

Is that normal practice? 

What could the application fee relate to?

Could the court proceedings and fee been avoided?

 

Under the terms of the consent order the final payment is due on 16th October 2021,

however this date then means I am required to complete the finance in full earlier than the actual signed agreement terms stated.

 

Is that allowed?

 

The terms of the order do not seem fair, or is that normal practice?

 

 

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normal practice 

the consent order trumps the agreement

and the court fees are sadly legit 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... 

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Surely being required to complete the initial agreement I signed earlier, would mean I am paying more interest as im settling the loan over a shorter period.

 

As previously mentioned they allege a default was sent out on 10/2/17 

(this isnt true anyway as I received 2 duplicate arrears notices dated 8/2/17 in one envelope posted out on 10/2/17, I keep their envelopes as they have a habit of posting things way after they are produced, no default) and the right to demand delivery 2/3/17.

 

If it was posted 10/2/17, the first countable day would be 13/2/17, and the final date can not be less than 14 working days, so the 2/3/17 would be the final date before any further action can be taken, but they terminated on this actual date

how can that be justified for a default to be lawful?

 

Sorry but I am fed up with their badgering for arrears I do not owe and looking through other posts it would seem they ignore any legislation and do as they please.

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scan up the default notice to PDF 

read upload

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

That's my main issue, I do not have the default notice from them (never received one) and based on their admissions it would seem they have acted incorrectly.

 

I wasn't aware of any default or the termination until I contacted them on 07/03/2017 @ 07:31am by email and received a reply from them on 07/03/2017 @ 16:50pm (they had made no prior attempts to contact me even after receiving payments on an agreement they were aware had been  terminated)

 

however I did not see the reply they sent until the 08/03/2017, stating:

" Can you please give the office a call your agreement has been defaulted and terminated and we have agents currently appointed to recover the vehicle " 

 

At this point I had paid to them

£80.00 02/03/2017,

£300.00 07/03/2017,

£150.00 08/03/207

total payments £530.00  -  (which covered Jan & Feb (the first payment date is confusing as they applied the first installment on 17/12/16 to my account however the paperwork states 1st  payment due 1/1/17) and £48.36 carried to March)  

 

 I am only aware that they allege one was issued to me on 10/2/2017 as the statement refers to - 10/02/2017 "Default Notice Served" £18.00  and they allege it also in the court proceedings that they posted one out by first class post on 10/2/2017  and they also state the date that the right to demand delivery of goods accrued on 2/03/2017. 

 

I did however receive 2 identical/duplicated Notice of Sums in Arrears both dated 08/02/2017 that arrived in an envelope with the date of 10/02/2017 stamped on it as posted, (I thought I read somewhere that you should receive 2 sums in arrears notices before a default can be issued, if so would the 2 of the same ones I received in the same envelope count towards the required 2),

 

The amount stated for the arrears shortfall £517.64, which I presume is the 2 months (Jan/Feb) plus 2 x £18 charges for a direct failure that I never had in place anyway for it to have failed 

(they have on more than one occasion since March 2017 applied a"direct debit receipt" then underneath that entry "Bounced DD" on my account,  one of them actual took funds from my account 16/06/2017 £315.42 but was quickly reversed by my bank and the DD they had set up claiming I had given them authority to do so was cancelled , Moneybarn claimed it was a system error. Again on 16/08/2018 £480.00 and £240.82 on 18/09/18).

 

When I contacted them on 08/03/2017 this was the point I was informed of the action they took in terminating the agreement .

The Termination Notice was sent by post to me on 08/03/2017 (I have the envelope) (It was dated for 02/03/2017 and my statement shows termination billing on 02/03/2017)

 

It was at that point I was told that my only option would be for the asset team to look at entering into a consent order with me and they would be in touch shortly. 

 

Do I need to ask them for a copy of the alleged default?

Have they acted correctly in their action taken?

 if they have not,, surely the court proceedings could have been avoided and no costs incurred?

 

Any advice you can give is appreciated,

 

I am of the opinion (although I could be wrong in my assumptions) they have not  acted correctly and guess they have or may still be doing this sort of behavior to other unsuspecting clients

 

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they do it to everyone.

 

have you looked at your credit file?

 

adding any default notice fee - £18 to the figure quoted on the DN invalidates it .

 

 

 

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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Should I ask for a copy of the default? 

Yes, I have checked my credit file, there is no default listed for Moneybarn, the account states up to date and has been every month since June 17. I did notice a few discrepancies at the start of the account in:  

Jan 17 - 1 month missed

Feb 17 - 2 months missed

Mar 17 - 1 month missed

Apr 17 - 2 months missed

May 17 - 1 month missed

 

They terminated agreement in Mar 17 but continued to report on my credit file as though the account was ongoing and although I had been waiting for them since Mar 17 to sort out the consent order 

 

they eventually got back in touch with details of over 1 month later and it was then completed beginning of May 17 they had the cheek to report I was again behind (how can they operate in this manner, between Apr 17 - May 17 I had not made any payments due to;- 

1. No agreement in place.

2. Was waiting for them to issue documents etc.

 

However my Credit File gives the impression that I made a payment and the account at the point of the consent order (May 17) was only 1 month behind.

 

The account status however does not agree to the balance status as they did not reduce the balance in Feb 17 with the payment made, but increased it to include the charges they applied. 

 

In March they reduced the balance with the total payments made to them £530 but still never added the 3rd £18 charge.

 

In May 17 the payment was made to them in accordance with the consent order, however they never mark the file instead with 1 month missed.

 

The actual balance remaining on the agreement is £6110 (2 yrs, 1 month) while the overall balance is  £6572 (£462 charges).

 

To date £8098 payments made,

credit file states up to date,

no default etc,

 

they claim im in arrears by £551 I do not understand.

 

The order was to be paid in 54 monthly installments, so  in 27 months it completes Nov 2021 in full which matches the balance.

 

I can not get a response from them sufficient to justify the arrears they claim even though I have given them a detailed breakdown. 

 

I am willing to go back to courts to get the order overturned if its possible as its clear they are hoodwinking their clients to gain the upperhand, if this alleged default is void, do to them terminated early plus if it does state any charges along with I never even got it the costs surely will be revoked along with the order etc.

 

Is there anything I can do?

 

Based on their actions and them continuing to be allowed to do this the consumer isnt protected at all.

None of their actions makes sense at all and nothing seems to back up why they initiated everything.

 

 

 

 

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Would there by anyone who can advise on my last post please and let me know if its worth asking for a copy of the default notice they claim to have issued,  if there is any action I can possible take, or a governing body its worth complaining to. Thanks

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On 30/10/2019 at 14:44, dx100uk said:

Adding any default notice fee - £18 to the figure quoted on the DN invalidates it .

 

terminated on the back of an invalid DN 

even if there is one .....voids the agreement.

 

you should get back all you payments and a monetary value of the car today.

 

all in the rules of the consumer credit act.

 

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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Thanks, I have read the consumer credit act and I believe I am correct that according to their dates on the alleged DN (never received one) they have terminated early and have not given the 14 days required. It is also apparent my credit file has no record of one.

 

My conern however:

I am not sure what the best way is to approach this. 

 

Do I apply to the court as they currently have a Judgement, suspended as long as I adhere to the consent order.

 

Complain directly to the governing body (FOS) or both?

 

Would I have to write to Moneybarn?

 

Thanks in advance 

 

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I would for the minute continue.

get an SAR running to them.

 

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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  • 4 weeks later...

Hi

Im waiting for moneybarn to send me my data however

 

today I have received an email stating :the informal payment method has failed" therefore I am required to pay the full arrears amount of £792 by 11/12/19 failure to do so they will instruct recovery agents to collect the vehicle.

 

The amount of arrears they state has accounted for the 240.82 just paid for November.

The amount of 551 is the amount I dispute.

 

If I had the 551 I would pay it to get them to back off.

 

What if anything, can I do to stop them arranging recovery agents 

 

 

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already explained in post 4

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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Yes noted thank, I understsand the part of them having to apply to the court but

 Is it they apply to the court to enforce the suspended judgement I will be notified to attend a hearing or is it just an application they submit to the court  with no notification sent, so bailiffs or recovery agents as I believe they use can attend at my address. 

 

What is also increasingly concerning to me judging by previous posts Ive read, Moneybarn are known to simply ignore the rulings from court and do not follow the procedures they are required to do, but in turn use their own methods!

 

If my own experience is anything to go by were they ignored the procedures for termination on the back of a DN, im wondering if im due an unprecedented move on their part, should I be worried, are they unpredictable.

 

If I had been aware that this company should be given a wide berth back in 2016, no way would I have entered into anything with them, especially when I found out that they are connected to provident, whom I have read over the years some of their profound methods in pursuing their clients to recover debts (extortionate fees and interest rates).

 

At least its taught me to research company  and check noted reviews before I even consider completing an application.

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