Jump to content


  • Tweets

  • Posts

    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Advice on my debt thanks - scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1564 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there and thanks for taking the time to read my post.

 

I have various unsecured debts and the majority with debt collection agencies, i am presently in long term payment plans with all, and i after reading examples on these forums, i realise i have probably naively broken all the rules, ie speak to these companies on the phone,  maintain payments etc.

I suppose i feel a moral obligation to settle my debts, i have this stupid way of thinking if they are happy getting monthly payments i live a stress free existence.  Every time they have asked me to do a budget planner i have said I didn't want to and they still accepted my proposed payment offer, I suppose just didn't feel comfortable telling them everything about my finances. I do work and can afford my payments.

 

I read on here about asking for CCA's etc but im worried that if i do that i will just piss creditors off and they will stop my repayment plan and take me to court. i have never missed a payment so they are very pleasant to deal with. 

 

Any way here is a list of my creditors, the only company that hasn't sold my debt on is the tesco bank for a loan and credit card, but to be fair they have been really great accepting a reduced payment and froze all interest immediately.

 

link financial  -  8787k (barclaycard)  i pay £70 a month never missed monthly payment since agreed repayment plan the day i received their letter to say they now had ownership of the debt approx 2 yrs ago  default date 2nd may 2016

 

Lowell -  4661 ( asda credit card Creation finance)  i pay CGA £22 to them and have done for 2 yrs not showing as a default on file but green light payments

 

Cabot - 3071 (zopa loan)  i pay £30 monthly  been paying it for approx 15 mos  default date 2nd april  2016

 

Cabot - 4294 (zopa loan) pay £35 monthly been paying it for approx 15 mos default date 2nd april 2016

 

Cabot - 1285 (DFS furniture) pay £20 monthly been paying it for approx 2 yrs default date 4 october 2016

 

Cabot - 3453 (hitachi Finance) pay £30 monthly been paying it for approx 15 mos default date 4 october 2016

 

Tesco - 8569 (Tesco Loan) pay £50 monthly done  for 3yrs  default date 2nd may 2016

 

Tesco 1456 (tesco credit card) pay £25 done for 3yrs default date 2nd may 2016.

 

I am ashamed of my debt and work so can afford my present payments, and still have some quality of life.

 

 

Thanks in advance

 

 

 

 

Link to post
Share on other sites

1 Feelings like having a moral obligation to pay a debt or being ashamed are completely understandable but make no objective sense. The likes of Lowell are not sitting around cursing you behind your back. To them you are just a number on a spreadsheet, and right now a very profitable one.  

 

2 Cabot, Lowell etc know full well that the second you stop paying a debt, a clock starts ticking, that works in your favour.  Albeit a slow one that takes 6 years until it becomes statute barred and unenforceable. Each payment you make resets that clock again . Lowell if they were 'moral' surely would have informed you, it's one of your most fundamental legal rights. 

 

3. Sending a CCA will not 'upset' your creditors.  They are powerless to do anything, and if they can't come up with a CCA they won't stand a dogs chance in court. Send CCA requests, if they don't respond in 12 plus 2 days, cancel your direct debit and stop paying them.  You will simply be throwing away your money.

 

I am not making this up, I have dealt with all the above companies, from a far worse position than you. I know exactly how this works from experience. DCA's pretend to have the same authority, as courts, bailiffs etc but the reality is they have no more powers to demand money than you or I.

 

One last point. Do all of your creditors have your current address details?

  • Like 2

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

Link to post
Share on other sites

As you have seen from the Common Financial Statement - When they require you to do it and you say "No", they will still accept your payment plan.

I honestly think that if you are to pay them - You are paying too much (Even when they have a valid CCA) 

 

I think you should reduce it down to £5 to each debt. You will have a lot more free money to build savings with incase you need it. 

 

CCA all you DCAs. Check they have your correct address to prevent backdoor CCJs

You are paying DCAs £3384 a year roughly. Thats equivalent to a morning coffee and lunch on every weekday of the year.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I have never moved in 15 yrs so all creditors have my proper address, 

 

London1971 thank you for your reply- in regards to one of your points- the thought of being taken to court would make me sick with worry- also the fact I make regular payment, does that not indicate to a court that I have recognised my debt  and accepted my liability.

 

so my next move is to send CCAs the thought of these guys phoning Stresses me.

 

i know what I have to do, the thought scares me a bit, you guys probably will think man up what more can we do but lead the horse to water, I suppose you guys are far more confident In dealing with these matters.

 

 I’m just venting my worry on a Internet forum, I take comfort on other posters taking their own time writing large posts to advise so thanks for that😊

 

I should of course thanked fkofilee for his reply too 👍

Link to post
Share on other sites

block all their numbers, never ever talk on the phone about your debts again

sadly, and throw the morality card out the window... you are a DCA's favourite customer, a cash cow.

 

I cant see why you are scared of a DCA, there is seriously nothing they can do to you

they ARE NOT BAILIFFS 

 

stop being worried about the IF's and Maybe's, cause that is ALL a DCA can do, make threats

going to the dentist is far more stressful than 'a court' and 90% of those DCA's you list, are fleecers that run a mile one you've sussed them out.

 

no CCA = NO PAY!!

get them running TODAY.

 

the only debts for the minute i'd leave as is  Tesco...still with the original creditor.

 

i'll give you one debt you can write off now, link and BC, they never hold any paperwork that is enforceable and the debt is also very historic?

when did you take the card out? as BC haven't sold link debts in years now because they got so many complaints about link extorting money out of people they never owed in the 1st place.

 

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... 

Link to post
Share on other sites

 Thanks for your reply Dx100uk   i have quoted 2 points from your reply to ask you about

 

re court, do the DCA's like link, cabot and lowell take you to court? If I refused to speak to them do they then call in the debt and take me to court? 

 

re the barclaycard, link took over the bc  approx 3 yrs ago, unfortunately in relation to the second part of that point the debt accrued i am liable for.

 

If they do hold the CCA do they then  say "you chancing sod we know what you tried to do there" so good will is gone and call me for the debt?

 

I am going to send off the CCA's on monday.

Link to post
Share on other sites

you are under NO legal remit at all to discuss any debt or financial matters over the phone, email or at your door. writing only.

 

sadly, and as with regard to your second question too, all this comes from you appearing to have been talking to various DCA's on the phone repeatedly over the years and believing everything you are told when they would never put such things in writing as they know they are wrong and a LIE!!

 

a dca will say anything over the phone to keep their cash cow in check

 

I can almost 1000% guarantee Link will hold no paperwork whatsoever and you can equally apply that to 90% of the free money on the other debts you've been blindly paying to the other two fleecers.

 

I've moved your thread to the debt self help forum

get reading a few threads in this forum , your jaw is going to hit the floor sadly at how naive you have been.

 

 

 

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

i just realised i stupidly should've said im in Scotland and all the debts were accrued whilst living in scotland, i've never lived anywhere else 😛

I really appreciate everyone  offering advice,

 

just a quick recap if i have picked up correctly the 5yrs SB wont apply for me as i have willingly been engaging and paying towards creditors/DCA's. For the sake of asking people to repeat themselves i assume this is my course of action

 

  1. Im assuming that i should now request CCA's from all bar TESCO.
  2. Scenario 1 - they eventually produce a CCA, do i just continue to pay them? will they just ask for a full settlement or can i just continue my affordable monthly repayment? Would they escalate chasing my debt via a court decree?
  3. scenario 2 - they cant produce a CCA do i just sit tight until they produce or not produce, obviously i have screwed things up a bit here as i have been making payments thus acknowledging the debt.
  4. I'm not really in a financial position to make and offer of settlement, although can afford repayments. i could however use any opportunity of potential account holding to save the  monthly money i would normally offset to pay them.
  5. Am i right in understanding i do not have give them any information regarding personal circumstances and that i don't have to provide a breakdown of income and outgoings.

 

Thanks again i think i've read a lot of posts on here and i have confused myself, one thing i can definitely pick up is that the dedicated group of posters who give up their time to assist people like myself who lack a bit of confidence or knowhow to tackle their debt correctly are absolutely gold dust, can't believe i have never been on this forum before now :D

 

 

Link to post
Share on other sites

Anyone that doesnt produce an enforceable agreement in 12+2 working days you stop paying. But thats for us to decide upon.

 

there is no requirement to F&F as youve been cash cowed enough already and no-one bar a judge has any legal right to see nor demand  ANY pers info financial or otherwise.

 

as for tesco..expand on history please

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

i'm already starting to feel a bit better about things, i think i would buy you a pint hah

 

the large tesco debt was a loan,

the small tesco debt was a credit card

in total atm i owe them approx 10k.

 

TBF to tesco as soon as i could not honour my original commitment they have been extremely chilled and with no pressure just asked me to pay what i could afford and they froze interest immediately.

 

They defaulted me on the 2nd may 2016 as well. 

Every 6 months they make contact and ask if my circumstances are the same and they just thank me for continuing to make a commitment and renew it for 6 mos. 

 

 

Link to post
Share on other sites

Cripes  you live in Scotland. Statute barred is 5 years there and the debt is extinguished. (in England they are just not allowed to chase it)

 

If you hadn't paid them anything the debt would be dead May '21

 

They should be forced by law to supply a leaflet explaining this when they take over a debt.

 

 

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

Link to post
Share on other sites

  • dx100uk changed the title to Advice on my debt thanks - scotland
35 minutes ago, London1971 said:

Cripes  you live in Scotland. Statute barred is 5 years there and the debt is extinguished. (in England they are just not allowed to chase it)

 

If you hadn't paid them anything the debt would be dead May '21

 

They should be forced by law to supply a leaflet explaining this when they take over a debt.

 

 

so from what you read, what would be my course of action just now, i am feeling a bit stupid.

Link to post
Share on other sites

Changes nothing as your been blindly paying

follow the advice given

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

13 hours ago, dogs34 said:

so from what you read, what would be my course of action just now, i am feeling a bit stupid.

Do not feel stupid, these companies take advantage of a massive vacuum of information. This allows them to ‘pretend’ to be bailiffs or courts almost.

 

They have no authority at all, that is the reality

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...