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    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   If you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   do not ever use or give an email address to a private parking company or their dogs   choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? 19.1.19   2 Have you yet appealed to the parking company yet? [Y/N?] Yes   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]   I haven’t got any paperwork anymore.    has there been a response? They did respond but pursued the fine by sending letters roughly once a month    please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........DONT ! seek advice on your topic first.   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I honestly can’t remember    what date is on it I don’t remember the date   Did the NTK provide photographic evidence? I seem to recall a photo of my car   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Don’t know    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] I can’t remember    5 Who is the parking company? Premier park ltd   6. where exactly [Carpark name and town] did you park? Planet ice Gillingham, Gillingham Business Park, Ambley Rd, Gillingham ME8 0PU .............................   For PCN's received through the post [ANPR camera capture]  (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 19.1.19     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Can’t remember    [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received Can’t remember    4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Don’t know    5 Is there any photographic evidence of the event? I haven’t got any   6 Have you appealed? [Y/N?] post up your appeal] I did at the time    Have you had a response? [Y/N?] post it up As above    7 Who is the parking company? Premier park ltd   8. Where exactly [carpark name and town] As above    For either option, does it say which appeals body they operate under. No    There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here.     I’ve attached the letter I’ve just received after six months of hearing nothing . It’s like they’ve sold the debt onto CST law for them to try.  Unfortunately after all this time I didn’t think I’d ever hear anything more.    thanks in advance for your help    Molliemoo14     copy the windscreen or ANPR section to your thread and answer the questions... …….... in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY  
    • to set aside a judgement you must satisfy 2 criteria: have a good reason why you did not receive & act upon the initial claimform and a basic defence as to why you do not owe the debt. ( paperwork wriggles are not a reason as the existing CCJ nulls any paperwork requirement)   should lose, you would be liable not only for your fee (£255), you could also be liable for the claimant legal costs, this could be £100's or more, knowing link and the value of this claim, they might hire a barrister whom are expensive.   IF the set aside is successful (it is only a very short brief hearing) the CCJ is removed from the register and this resits things to as if you had only just received the initial claimform. you can also ask for your fee back from the claimant.   At the same set aside hearing...the judge, or the claimant can immediately set a hearing date for the 'new' claim, whereby you will each have to exchange statements by a set date.   should this not happen, the claimant can latterly request a hearing that will follow the normal small claims process,   The longer they leave it the harder this becomes in regard to statute barring. The issuance of the initial claimform stopped the SB clock, the default judgement - reset it too 6yrs, however the set aside removed the CCJ and the SB clock resumes from the time it stopped - so SB date of 6yrs advances again from last payment or use of the credit as if no claim was ever raised.  
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Welcome loan sold to coast


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Hi.

Looking for some advice on an old Welcome loan that was sold to Coast , April this year.

 

There is only £300 left to pay but not paid anything as I knew there were charges on the original account.

I had been paying a reduced amount to Welcome for the last year then all of a sudden they sold it.

 

I CCA Coast and they have sent me what looks like the original document with signature.

There is no PPI but there is a fee of £75 which I believe is admin fee so can I claim this back?

 

There are also a lot of £12 fees for missed or late payments plus other reversal fees etc. 

 

I need to write to Coast as they have taken the £1 postal order payment and used it against my outstanding balance so it looks like I have made a £1 payment of course this was for the CCA only.

 

Can I now claim the charges back from Coast seeing as they are now the official owners of this debt? 

If so and Coast state I need to take it up with the original creditor is this correct?

 

 

 

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You say you resumed payments to welcome last year?

when was your last payment before that?

 

most welcome debts are +10yrs old or older now 

tell us the full history of the debt

as you've never mentioned it before?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Hi DX..

Apologies here is the background...

Loan taken out in 2009 so you are correct about timescale.

 

Key financial info 

Total amount of credit =£4379.20

Duration 120 months

Monthly payment £63.90

Number of monthly payments 120

APR 13.16%

 

Other financial info 

Total charge for credit £3,289.38

Acceptance fee  £75.00

Interest charge £3214.3

12.68%

 

My signature is on the form dated 20/4/2009.

 

I have been paying since this time although I defaulted a good few years back and have been paying reduced amounts for at least the last 3/4 years.

 

It was £20 per month , Welcome held off all the interest and charges from 2015/2016 so I was reducing the loan.

 

Even when Welcome folded they kept this account going with the reduced payments. 

 

Fast forward to March this year and bal is £383.

 

Next thing I get a letter from Coast to say they are now the owners of this debt.

 

Checking through the paperwork I can see payments started to falter 2014 with bal around £2200. I was making token payments of £10 or £20 .

 

Checking when I first started paying I can see that I have made payments of £65 , this is followed by capitalisation £65 and returns the bal back to before I made the regular £65 payment there are multiples of these up the end of 2013.

 

After that there are random fees /charges as follows 

M16 - Fee - £5.00  followed by capitalisation £5.00 ??

SNT  - Simple interest £ 0.12        - *        

INT - varies but appears to be around £21  *

Q16 - Fee = £ 0.11

Credit adjustment £0.76p ?

Unpaid DD fee = £12

* These appear after each other on my statement ..is this two interest charges?

 

 I got a £1208.44 interest refund (GWI ) in 2015 which reduced the balance down to £1043.00 and continued to pay £20 up to Feb this year.

Hope this makes sense?

 

So can I claim these charges and fees back against Coast now they are the official owner of the debt?

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No

But welcome will pull the FCA waiver when you try them

 

Use our search

Type in coast

Get reading up

 

Cca wont hurt!

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 weeks later...

Quick update..I also sent SAR to Coast , they have responded by asking for proof of ID such as Passport, Utility bill or driving licence etc , as a side note I recently SAR'd Cabot they too have asked for extra ID to prove I am the alleged debtor. IMO if these DCA's  have been sending me correspondence to my address under my name that is sufficient for them to believe I am the correct person.  Any advice please?

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Have you moved since taking out this credit?

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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trying to gander sigs they can copy no doubt

send them a ctax bill copy

that's good enough.

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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just type  !!

quote is banned

I know what I said..:lol:

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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