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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
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Idem/hoist/lowell (2nd MBNA credit card) debt - lowell refund letter


blondiegirl
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I have received a 'notice of assignment' letter from Hoist.

This debt has been sold to Hoist from Idem who purchased it from MBNA. 

My other MBNA card has lead to legal action from Idem so I was surprised to see this.

What do I do?

Ignore it until Hoist send a claim?

Thanks.

- BlondieGirl

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they must follow the pre action protocol first.

 

I suspect this is simply a large portfolio of debts that's been shifted around as deals are done.

you are also not the only one to report mass debt sale Idem to Hoist. recently.

 

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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  • 2 weeks later...

I've now had a letter and an email from Robinson Way trying to arrange a way for me to pay off the debt.

 

I assume this is another DCA (on top of all the others) who will now start to bother me who should be ignored?

 

The MBNA card was taken out in 2005 and for which, I *think* a signed credit agreement exists - could this be a problem?? 

 

I didn't receive a notice of assignment from MBNA to Idem, and MBNA didn't default me, only Idem did when I stopped paying.

Idem2.pdf

- BlondieGirl

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robbersway are another trading name of hoist

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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The important thing for you is when was the last payment you made or when you last acknowledged the debt if ever. Even though you say MBNA didn't default you, you must have stopped paying them at some time before they passied the amount on to Idem. Do you know the timings of when you stopped paying MBNA and started paying Idem?

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payments might not in all cases

but written and signed letters.

but then again

we've never seen a case lost solely because one exists and was used.

 

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

My worry about this account, is that there appears to be a signed credit agreement (attached previously).

With our other 2, there's only the application form.

 

Robinson Way or someone acting on their behalf, are calling daily now so I have blocked them.

- BlondieGirl

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  • dx100uk changed the title to Idem (2nd MBNA credit card) debt sold to HOIST

but its not complete.

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

is that all they sent as their CCA return?

 

if so ignore until/unless they get cohen's or one of their other desk nearer to the bog to send a letter of claim.

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

well find it then.

there should have been pages of T&C's with your name/ad on the 1st page and a statement of account.

 

 

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

In response to the CCA I sent 2 years ago:

 

Idem sent the 2 pages I've uploaded, a page printed out with some addresses on  and codes (internal data not stating much), and 3 pages of 'Terms and Conditions' dated 11/04 by the looks of it as well as a statement from October 2017. 

 

On the top of page of these T&C's:

 

Terms and Conditions

Please refer to your Credit Agreement for conditions 1, 2 and 3

 

which I assume is the page 2 of the uploads which I can't really read. 

- BlondieGirl

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As you know from your other mbna threads debt buyers fake stuff

 

So do the t&c's have your correct name and address for the time of takeout

And the correct date code in the little letters at the bottom for your agreement date?

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

then blank rubbish from their filing cabinet not a copy of what was issued to YOU at the time

 

  • Thanks 1

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

  • 3 years later...

Hi all,

out of the blue, I have received a cheque from Lowell for £22 "in respect of an overpayment on this account".

£900 is showing as owed to Lowell, from idem which I think originated from MBNA.

I haven't paid them in maybe 2 years and they defaulted me 5 years ago, despite the fact that I defaulted the actual agreement with MBNA many years ago.

I am reluctant to call and ask in case any changes are made to my credit file - I desperately need the default to go and have about 12 months left.

Does anyone have any experience of this? Thanks.

- BlondieGirl

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cant change when the default and the whole account drops off on the defaults 6th b'day.

 

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

  • dx100uk changed the title to Idem/hoist/lowell (2nd MBNA credit card) debt - lowell refund letter

old and new threads merged.

a dca cannot issue a default notice.

if mbna defaulted you years ago and say via an sar to mbna you could get a copy of their DN then lowells can be amde to correct the cra file Default date.

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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Share on other sites

A dca may not be allowed to to issue a default notice, but they do, or at least they change status on a credit file.

MBNA didn't ever issue a DN otherwise it wouldn't be showing on my file (the debt started about 10+ years ago). I was on a payment plan with MBNA years ago with the debt getting sold to a dca. The dca changed my credit file to dn 5 years ago. 

The debt has been passed from one dca to another it's hard to see who's done what.   

- BlondieGirl

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