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    • On the first point, yes, but I now know that the "traffic building up beyond my control after I entered the box" is not an acceptable defence due to the rules.   Re second point, well I *did* have to break suddenly, otherwise I'd have hit the black car in front of me. I understand now that this is not "defence enough" on the contravention.   Re loophole on pics/video: I read in another post somewhere (not sure it was here or someplace else) that your reg must be clearly seen in the pics/videos at the *time* it's committing the offence ("captured live" I think it was the expression used) and that it's not permitted for someone to go over the footage in order to zoom in your number plate. So, what I'm saying is: from the pics/video (except the really dark pic that's zooming on my reg only), you *cannot* see the reg of my car. Hence why the pic zoomed on my reg doesn't show the full car *actually commiting* the offence. They're trying to *infer* that it's my car. (*I* know it is, but don't they have to prove the offence actually being committed by *my* car with pics that show the full car/position *and* reg? aka, not just a random zoomed in pic that could've been anywhere, hence the argument about "not being allowed to go over footage in order to capture offence/details").   Thanks for your time in answering btw ☺
    • Hi   Robinson Way are still chasing on this saying its not statute barred, but another issue has come to light since submitting a mortgage application.   CL Finance have a second charge on the property for this from ~2012, which the mortgage lender want removed before making an offer. CL Finance Limited (Company no. 01108021) was dissolved in October.   Does anyone have any advice on how i can have the charge removed and how we can stop Robinson Way chasing.   Many thanks   Dean
    • Yes - always best not to bury your head in the sand
    • Don't worry about the hearing fee date....concentrate on complying with the courts directions by date.   Andy
    • Hi @slick132 apologies for the delay responding.   Letter to the gym (1Life):   "Dear 1Life   RE: Cancellation of memberships ********* & **********   I refer to the aforementioned memberships at 1Life ******* Leisure Centre. We have cancelled our Direct Debit mandates and now realise that we did not provide 30 days’ notice needed. I therefore offer to pay the outstanding £49.98 for the notice period, consisting of £24.99 for ********** and £24.99 for *********.   I will pay no administration or cancellation fees and no further membership amounts. I consider the third parties attempt to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contract is terminated and we will ignore any further demands. If you confirm in writing that you will accept the amount of £49.98 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.   Yours Sincerely,"   Letter to DCA (DFC):   "Dear Debit Finance Collections Plc   RE: Notification of Unpaid Direct Debit Payment - Ref No ******** & *********   Further to receipt of emails from yourselves regarding missed payment and late payment charges, I confirm that I will pay no administration or cancellation fees and no further membership amounts. I consider these attempts to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contracts are terminated and we will ignore any further demands.     Yours Sincerely,"   Interestingly (and more than likely irrelevant) the email response from DFC stated that they wouldn't deal with me regarding my partners membership due to data protection, but then they also named her in the email! Surely a breach of data protection in itself!   Thanks Buddy2015  
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Simon1959

Capquest now resolvecall doorstep threat

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Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

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Excellent, yes 50% discount is their secret code for, ''We've got nothing''.

 

 

You can always ignore their arbitrary time limits too. They have delusions of grandeur!


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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Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

 

And this has now gone up to 60% discount

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And this has now gone up to 60% discount

 

give us something before we have to realise we bought a lemon.


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On 11/10/2018 at 18:01, dx100uk said:

 

give us something before we have to realise we bought a 

Capquest have know taken ownership of this debt from national collections 

Looking at both sets of paperwork They look to be the same company am I correct 

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If capquest have it then you know for sure its a defunct debt


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

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Thanks i thought as much when it was offered at a 60% discount a few months ago 

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Letter from capquest who took over from national collections of £960 debt 

As mentioned above they offered a 50% reduction then a 60% reduction 

The latest letter from them says if they dont hear from us by Oct 31st they will arrange a home visit from  resolvecare without further notice 

 A :Should I just ignore it 

B : Send a CCA request ( which has been done previously) 

what's the likelihood of them attending my property and if they do what is the best cause of action 

Thanks 

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resolvecall...used to be scotcall

no dca's be them by phone, letter or at your door have any legal powers and are not bailiffs.

 

dx

 


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Ok thanks from experience would you say they are bluffing or are they likely to visit 

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so what.

film them 

tell them to leave your property and not return else you'll call police 101

do not ever engage further.

 

what was this debt originally about?


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I though cabot had your next card or are there two next debts?

 


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Yep sorry it's a solutions finance card account 

They seem to be playing pass the debts around to each other which can make it confusing 

I need to sit down dig all the letters out of the box I put them in and file them for each separate debt 

I have CCA this debt originally I think it was about 2 years ago 

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please do and confirm who the original creditor was please

 

 


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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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Ok sorry it says solution finance on the letter but it was originally a littlewoods account 

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blimey 

that card must go back to the early 2000's

 

originally a store card

then was changed to a credit card under the littlewoods name

then I believe eventually they went over to it being a littlewoods branded Barclaycard.

 

I would suspect, you signed no new credit agreement when it went fron a limited use store card to a credit card

so for a start that's against the consumer credit act [see the M+S store card debacle in the M+S forum]

 

they'll never get an enforceable signed agreement, as there never was one.

 

ring any bells.??

 

dx

 

 

 


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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Yes it does maybe that's why they offered 50% and 60% discounts I would think it dates back to about 2000/ 01 

Another just ignore I take 

I have cameras at home which record so I'll see them if they come calling 

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