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    • was her cr edit fi le shot anyway when she took this loan out?   dx  
    • in this instance DCBL are operating as mere powerless debt collectors, a DCA.   a DCA are NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   if their client really had a debt in your name, they'd contact you themselves.   as long as they know your correct address it is safe to ignore silly threat-o-grams.   and tell the others that too.   dx      
    • Hello all.  I'm looking for some advice if I may.   I received a Notice of Debt Recovery dated 26th May from DCBL relating to an alleged debt of 71.08 that apparently I owe to East London Energy/Engie. The problem is, I don't recognise the debt at all and when I moved out of the property I lived in which was served by ELE/Engie, my account was all up to date as I pay by direct debt. I even left them with my forwarding address, which they still have on their records and the closing bill was sent to that address.   DCBL are saying that ELE have sent me correspondence about this debt that I've failed to respond to. But the first I have heard about it is the DCBL letter itself. It's totally flummoxed me.   Here's the problem though, ELE never, and I mean, never, answer their phones. I have called about 30 times, no word of a lie, every day since receiving their letter. Not once have I got through to someone. They're not responding to my emails either.    On the local residents group on facebook there loads of households moaning about the same thing. Lots of them have received these letters, some have managed to get through to speak to someone, some have been told it's an error, others have been told 'you owe the money, tough pay it'.   Everyone is complaining that they can't get through to ELE to speak to someone. I don't know what to do.   Apparently if I don'y pay DCBL by 10th June they will review my case for legal recovery. It all seems desperately unfair, especially when I was the one who was informing ELE when they messed up their billing or failed to take a direct debit. I'm scrupulous about my bills. If I genuinely do owe the money I would have gladly paid it, but I just can't understand where this alleged debt has come from.    Does anyone have any advice? I'm at a loss but really don't want to pay DCBL for this debt I have no knowledge of and their added administration fee. 
    • Hi all, I hope you are all well in this strange time? I'm trying to assist my cousin in a complaint that she has with the PDL Uncle Buck, and I've reached a stumbling block. Loan Amount:       £400 Charge for Credit: £350 Agreement Date: 05-Oct-2018 Disputed Balance: £276.79 From initial information I've seen it's been a comedy of errors with there administration side, but for her, misery. Original Payment schedule sent out to her started from 26.03.2019 - she questioned this. They never replied, so took it as that was 1st payment date. 7th Nov 18 she gets a Missing payment and a charge. Questions this, they adamant charge stands as it was a clerical error, she again disputes. 3 weeks of in arrears messages, they eventually agree to refund £15 - but now insist on I&E as she missed the payment - no change in circumstances. She asked for 3 days grace til payday. No reply.  Default notice issued. This eventually gets it self sorted and they missed payment was factored into the remaining. Dec 18 her fiancee passed away, no way to afford the payments & funeral costs until insurance settles  - UB continue to harass despite telling them the issues. Some how she finds the cash an pays something towards the balance, just to stop the harrassement. She loses her job in Feb 2019 - informs people she owe money to, that now on uni credit. UB state that if she pays x amount they can do a payment plan as she's already in arrears. I told her it's against FCA Conc regs, she emails them - nothing back. No chase emails / calls or anything till end Apr. Settlement offer - pay £355 and we will take care of the remaining balance of £535 she emails them to say she can afford £50 pcm based on the the settlement - they agree. August she gets a statement, remaining balance £235 - they had not used the settlement figure as this was to be paid in full only and also incurred missed payment charges(?) I write an email for her email requesting DSAR etc sent on 1st Sep - acknowledged 10th Sep - info sent through 10th Oct - Account was placed on hold from sept til receipt of DSAR. DSAR shows - comment of being financial difficulty, on UC, payment schedule - 9 call attempts, 4 CPA attempts (she requested this to be cancelled 2mths after taking out loan) list of charges and interest after being informed on UC and put into payment plan. Complaint goes off - complaint partly upheld - £235 still outstanding. Complaint again. Account on Hold again. Fast forward to Jan 2020 - Complaint still being looked into will have response within 6weeks.. Email received - Settlement remaining Balance £320 (they added further charges!) can do 40% settlement in 2 payments. Email goes back stating it's under investigation, would accept £150 settlement but over 5 payments. No reply. 21st Feb - Email Settlement remaining balance £276.79 - can offer settlement figure of 195 but require a payment of £55 within 3days --- this is still despite her being on UC and no reply to settlement. She replies - stating can not afford £55, can do £10 pcm to settle. - They accept, but the balance is now 266.79 and not the 195. No acknowledgement. Payment schedule issued for 10pcm totaling 266.79 -- questioned again - no reply or acknowledgement. March - she notices that UB is no longer on one of her Credit Reports. I told her to check Credit Karma & Totally Money - Both show that they are marked as "Settled"  £0 balance from 03/03/2020 So left it as that. May she gets a call from UB collections, chasing £266.79 as she's defaulted again on her agreement (note - they've never acknowledged any questions) - she informs them that as far as she and her credit reports are concerned she owes nothing. Also stated that even if she did - it should be written off, incorrect balances and reporting and as it's gone against CONC where they insisted on a Payment to set up a payment plan. Person raises a complaint on her behalf and said she is going to get the Credit reports amended as it was a clerical error. 26th May - Sum Of arrears notice " On 05-10-2018 you entered into a fixed sum credit agreement with us under which you borrowed £400.00 repayable by 6 monthly instalments. Your arrears under the loan agreement The opening balance (which is the total amount that is due and owing under this agreement) at the date of the previous Notice of Sums in Arrears (dated 26-11-2019) that we sent to you was £318.27. On this date, the payments that you had failed to pay when due under your credit agreement amounted to £259.29. We are required to periodically send you Notices of Sums in Arrears, at intervals of not more than six months, while you remain behind with the repayments due under your credit agreement. The balance now due under your loan agreement on the date of this notice is £266.79. The total amount of your arrears (the sums that you have failed to pay in full when due in accordance with the terms of your loan agreement) is £207.81" 29th May -  We acknowledge your complaint and are sorry to learn you are dissatisfied with our service. Uncle Buck Finance LLP T/A Uncle Buck (the Partnership) was placed into Administration on 27 March 2020. I confirm that Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery & Insolvency (London) Limited were appointed Joint Administrators of the Partnership. They are licensed to act as Insolvency Practitioners by the ICAEW. They are bound by the Insolvency Code of Ethics when carrying out all professional work relating to an insolvency appointment. Today - Final Response:   How Uncle Buck understands your complaint You are unhappy that according to your credit file the balance of your loan had been settled and now you have been advised this is incorrect due to an error made by an agent. Our Investigation and outcomes  An email was sent to you on the 21/2/20 offering a settlement figure of £193.75 against your outstanding balance of £276.79 and that if accepted this would close your account. We advised that we needed a payment of £55.35 to hold this settlement offer. You responded to the email the same day advising that you were unable to take advantage of the offer and asked if we would accept your original offer of £10 per month. We responded on the 24/2/20 asking you to complete an income and expenditure form. This was sent back to us the same day. On the 25/2/20 we advised you that we accepted the offer of £10 per month.  You then responded with the date you would be making the payments, confirmation of this was sent on the 26/2/20.  You then queried the amount outstanding; Claire then spoke to you to discuss why the balance was not the £193.75 as this was a settlement offer. < She has never spoken to anyone about this. -- the person who raised the complaint said an email was sent out! As previously advised the agent who made you a partial settlement offer on the 21/2/20 made an error and added a code to your account which meant that your credit file was shown as partially settled. This has now been corrected. I apologise that this error was made and will be upholding your complaint.  However, I can not agree to write off the balance due to this error.   At no time did you receive correspondence from Uncle Buck advising that your balance had been paid.  You were advised on several occasions after this date what the balance was and a payment plan was agreed. Please contact our collections department to discuss the arrears on your account by the 11/5/20.  If no contact is made then collections activity will commence and your account will be removed from write only. This is our final response. Please note, any complaints raised to the Financial Ombudsman Service (FOS), will be directed to Harrisons Business Recovery & Insolvency (London) Limited.  They are no longer dealing with any complaints raised for the Partnership. And that's where I come to a block - they are saying that FOS will not deal with this complaint, really do not know what next steps are for her to get this resolved. Am I correct that they should not be asking for a payment to agree a settlement especially when someone has declared financial difficulty Any advice would as always be grateful  
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squirealf

VCS Spycar PCN - no stopping JLA Liverpool Airport

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Hi All,

 

Appreciate there are numerous threads on this - sorry!! Looking for some support...

 

I've had two PCN's through relating to an airport drop off and collection (3 days later) at Liverpool Airport.

 

I've appealed directly and had them rejected so coming to the forum (for the first time!!) for some guidance.

 

My question is ref whether I should now go to ground and ignore correspondence until I receive a LBC notice or if I have invalidated that avenue due to my appealing?

 

Thanks,

 

P.S.

 

Looks like I will be asked to answer the below so I have taken the liberty of doing so:

 

1 Date of the infringement: 19/09/19 & 22/09/19

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: 05/12/19

 

3 Date received: 09/12/19

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N

 

5 Is there any photographic evidence of the event? Y

 

6 Have you appealed? [Y/N?] post up your appeal] Y

Have you had a response? [Y/N?] post it up Y

 

7 Who is the parking company? Vehicle Control Services LTD

 

8. Where exactly [carpark name and town] Liverpool John Lennon Airport, L24 1YD

 

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Hello and welcome to CAG. Thank you for providing the information, people will be along later.

 

As you say though, you don't need to reply to anything but a Letter Before Claim/Action.

 

Best, HB


Illegitimi non carborundum

 

 

 

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please don't use docx for uploads 

use PDF only.

 

all your pers details are in the properties of the docx file.

 

shame you appealed as you've I'D yourself so removed your protection unde POFA.

 

next time do not appeal to a speculative invoice.

 

if you read the recent no stopping threads here in the last few days, you'll see there are some interesting developments.

 

yes await simple simons letter of claim

 

but remember byelaws override ..

 

NTK in PDF please


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.

 

 

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they were way out of time for creating a keepr liability but you appealed so you had better post up ALL of the paperwork including your appeal and their response.

No stopping isnt an offer of parking terms so they cant win and they know it. we just want to try and get them to give up sooner rather than later

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Hi there,

 

Thanks for the updates. The attached PDF contains both of my initial appeals as well as their responses.

 

Based on feedback so far, I'm now doing nothing until LBC / LBA.

 

 

Appeal 1&2.pdf

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Braking for a roundabout isnt  parking so tryig to apply a no stopping rule that doesnt take such things into account will make them look stupid if they spurt it out at court.

However, they dont want to go to court, they want you to pay up so will say and try anything to get you to.

let them wate their money chasing you and come back here when they send out a lba or similar.Keep any paperwork you get in the meanwhile

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Thank you - the guidance on here is so reassuring.. I'll be honest, I came close to paying earlier this week!!

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We're pleased that you didn't pay. :)  Stay strong, we'll help you.

 

HB


Illegitimi non carborundum

 

 

 

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Hello All,

 

No update on correspondence from our parking friends but I'm under pressure from the legal department of my employer as they do not want the threat of court hanging over the company name (I was driving a company car).

 

They've asked me to contact VCS and declare my personal home address and name to avoid the above. What would be the recommendation here?

 

Thanks.

Edited by squirealf

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I thought that had already been done?

 

 

 

 


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.

 

 

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I am surprised that the legal department are unaware of POFA. The PCN asks them for the info on the driver if it is a company car and once that is done there is no further recourse against the Company.

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Hello All,

 

Latest correspondence attached.

 

Regards..

 

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reg in page 3 pix

removed uploads


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.

 

 

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By all means take this on and identify yourself as the driver and if VCS keep bothering your employer suggest that they tell VCS that they are going to sue them for harassment ( they cant use GDPR).

 

Now simple Simon doesnt usually take notice of an individaul threatening to sue but a company has a lot more resources and the legal bill can rack up into the tens of thousands and that will outweigh the piddling £100 he can win by his lies about parking so get them on board with this and they will probably go as far as a LBA and then drop it

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Hi All,

 

Hope you are all keeping safe..

 

As the world crumbles around us I've received some correspondence in relation to my Liverpool JLA PCN.

 

The letters are from a company called 'Debt Recovery Plus' and they're asking me to settle up by 02/04 or they'll recommend to their client that they take me to court.

 

They've included some information and a link to a Supreme Court decision saying that their charges are lawful. Here's the link: www.supremecourt.uk/cases/uksc-2015-0116.html

 

Do I continue to ignore?

 

Thanks.

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dca's can do nothing they are not bailiffs

 

you should be reading a few threads here to get upto speed.

 


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.

 

 

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So I can disregard then?

 

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Here is some homework for you.

 

Read the supreme court decision and compare the wording to that used in this taradiddle. they cant  tell the truth in a threatogram so what amkes you think that theyare telling the truth in the original demand?

 

They rely on lies, misdirection, bullying and abuse of process to earn their dishomest crust so the more you read up and learn about them the easier it becomes to equip yourself to fght

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OK I've got it now.. these guys are just rogues all ends up!!

 

I'm standing firm and not paying!

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Good. :)  Also do some reading up though, so you're armed for what comes next and understand the arguments.

 

HB


Illegitimi non carborundum

 

 

 

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