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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!


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I made a complaint,

i said to them that i will be paying what the SPO says and i didnt appreciate them trying to make me remortgage ,

I am just worried that since they have the SPO they can go for court hearing and a repossession.

I just need to get this sorted now but they make say that all the charges are lawful ,

i dont know how to argue that

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well you didnt ask did you...what complaint did you send and when...

 

get the CIsheet done please

how much do they owe you?

 

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

ofcourse these fleecers will say their unlawful penalty charges are lawful, they're the ones that are charging you them you from day one.

 

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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i just said i would like this call raised as a complaint as i dont appreciate being forced into a remortgage and how its been handled.

 

Is it right they cant change the SPO or make me pay more? can they make me do an income / exp? they say they have to have a review

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All of this has been discussed already in this thread several times 

 

 

Remortgage.  Oh right and make their fake balance with all the penalty secured and legal.. stop talking on the ruddy phone.. each time you say I won't and you do and it spooks you..

 

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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i get anxious as letters are worded so scarily... i just want to know my rights while they try and make me put my payments up, i am right in saying they cant change a SPO?

just spoke to a shelter advisor

you will already know all this.

1) i dont have to up my payments i just comply with what the court ordered amount is

2) i can apply for a variation but so they can they , but if i can show its not affordable to me they wont bother

3) Them telling me to remortgage etc is just a bullish tactic they have and take no notice

4) I dont have to complete their income / expenditure i can do my own financial statement 

they had wanted me to do their income / exp , send bank details and do a credit search??

when they call back later today , i will just say everything in writing from now on, i will not be answering any calls, i will put this in writing , though am sure i did years ago

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Why not just block their number totally 

Stop being a dumb debtor and take control 

Have you every statement from day one now 

Time to hit back hard 

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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no i only have the early ones not from this company ,

my SAR was never delivered as i put wrong address ,

i am going to send SAR today recorded delivery

 

i have statements from first company , need paragon too.

Once i have these it'll take me weeks and weeks i suspect to add all to the CI sheet. 

 

I am hoping to not owe anything but i am prepared to pay a small settlement fee

 

as much as i want to sort this i am quite an anxious person who has suffered badly and been quite ill so have always held back from rocking the boat too much but its a crippling debt, i just dont want to lose my home

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You cant

your main mortgage is with halidax.

 

please get every statement.

this has been going on for 13yrs now

and youve still never bothered to do what people advised from day one.

 

Sar!!

reclaim

 

 

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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ive just always been scared to

 

So .. SAR and sort that out

shall i also re-put in writing that to contact me by letter only

 

shall i send in my own financial statement ( my own step change income / exp ) 

 

manager just called back - i said ill be paying my court ordered amount and myself and husband will not be taking calls and wish everything to be in writing going forward.

SAR printed - going in post at 4pm

 

Thank you for giving me the boost again - i dont feel scared they will go for me as i have been paying not missed any payments and hopefully in the next few months we will be free of this ,

 

though not sure how i enforce this once i see whats been paid in fees / charges and what i still owe? am unsure how much interest i am expected to pay ... do i ask for it to be looked at in court or just write to the company itself

 

sorry what do you need , how do i give you every statement ..? 

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you do neither.

 

if they want their pound of flesh - as i said numerous times before , you let them goto court.

 

23 hours ago, dx100uk said:

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

we need to see in ONE MULTI PAGE PDF

every statement from DAY ONE

from every company that has ever had their hands on this debt.

 

in 13yrs despite being told over 30 times to SAR everyone you never have

and have never posted the statements here.

 

13yrs waste of our time till you do.

 

read upload.

 

 

  • Sad 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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I dont think i am wasting your time , i just needed advice and i always never got as far as doing the CI sheet.

Everything is sent and hopefully they will send it all , do you think they will try take to court in the mean time?  or try get more money from me eg.. try change the SP order in court

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Havent to 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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Just wondering if this new tactic of saying my payments don’t cover or will pay off the loan in time is to make me pay up as they want rid of the debt with them being classed as a vulture fund ( something like that )

 

I think though they may not as I can’t see the judge siding with them when I have been paying ?

Is this right ?

 

You have so much more experience and know what judges and companies like this do

 

Meant to say I just have to hear some positive thoughts and it gives me the determination to fight but I don’t want to be fighting for nothing 

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The cisheet will be a very good insurance policy .

 

Stop worrying about court, that's the best place for this to be, as I said before - expose them and you get to do it free of charge too .

 

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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But what if they try get to court before I have all the SAR details etc to hit them with

can I ask for more time .. say I have been paying SPO I can’t afford to up my payments but show evidence so far of the charges - can I be given more time

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As you already know it takes months to get you in court.

 

 

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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@morgan8080

 

It may help others, if you can please provide a summary of where you are with the debts that are the subject of this thread.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 3 weeks later...

fixed sum penalty fees...£12 3£0 £40 etc etc.

letters/debt collection/visit/arreas/phone call/it's raining today- your fault etc 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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  • 1 month later...

Can't hurt to wait a week only 

 

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

  • 2 months later...

 

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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  • 5 weeks later...

once i have finished with the CIS sheet - how do i get this in court and say i won't be paying anymore if ive paid over the amount owed . In the current climate are they more likely to try and cling on to the debt and try scare me off 

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