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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
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PCF Bank Car Finance - have i Paid +1/3 HP Agreement? **RESOLVED**


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Repossession - Your rights

If you do not keep your side of the agreement but you have paid at least one third of the
total amount payable under this agreement, that is £1,199.57 we may not take back the goods
against your wishes unless we get a court order. (in Scotland we may need to get a court
order at any time). If we do take the goods without your consent or a court order, you have
the right to get back any money that you have paid under this agreement


HP Cost - £2718.00
Interest - £530.70
Administation Fee (DD) - £175.00
Title Transfer Fee - £175.00

Total Amount Payable - £3598.70 (3598.70 / 3 = 1199.57)

 

So it appears that charges are infact included in the 1/3 rule.

 

It all started when I fell behind on payments, I missed 2 monthly payments and they
issued a DN. I was unable to meet the DN payment deadline and then missed a further 2
more payments after the default.

 

I then made 3 lump payments to cover the arrears and the agreement continued its course.

 

During this time they sent agents to repossess the goods.

They applied this charge of £300 2 weeks after I made the lump payment.

 

Now I have paid them £3500 in total to date,

but now with the late charges, interest and other fees they have amassed to a further £700+

 

Thanks for any help

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12 hours ago, dx100uk said:

fees after signing do NOT count toward the 1/3rd sum.

 

no, as I said above...any charged fees after signing do not form a part of the 1/3rd figure, they cant its quoted on the agreement and always must be.

 

so had you paid £1,199.57 by the day they repo'd?

 

 

  • Like 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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Well I paid this:

 

Advance Payment £226.50 (Deposit???)
Direct Debit £258.95 (£175 Admin Fee??? + £83.95 monthly payment)
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95
Direct Debit £83.95

 

Total amount paid upto date of DN.
£1408.90

 

thanks

 

Minus the admin 175 fee, I paid £1233.90, so if advanced payment included then yes I was just pass the £1,199.57.

Edited by TheDude1
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lets see the agreement please

typically advance payments are listed on the agreement and are taken off before the int is calc'd.

pdf only please

  • Like 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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advance payment is in the agreement.

so now list your payments please and the dates you made each one of them ..please don't guess what they were for..

  • Like 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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thanks dx, here are the payments leading upto the default.

 

25/10/2016 Cheque NO FEE £226.50
25/11/2016 Direct Debit (UK) 258.95
25/01/2017 Direct Debit (UK) 83.95
31/01/2017 Direct Debit (UK) 83.95
27/02/2017 Direct Debit (UK) 83.95
27/02/2017 Direct Debit (UK) 93.95
27/03/2017 Direct Debit (UK) 83.95
22/05/2017 Credit/debit card 96.01
25/05/2017 Direct Debit (UK) 83.95
26/06/2017 Direct Debit (UK) 83.95
16/08/2017 Credit/debit card 94.85
13/09/2017 Credit/debit card 83.95
18/10/2017 Credit/debit card 83.95
24/01/2018 Credit/debit card 283.45

 

thanks

 

Date of DN: 29/11/2017

Edited by TheDude1
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why are you 2 lists different

 

which is correct

 

I ONLY need the date and amount not method

you appears to be hitting wring number keys methinks.

 

I want ALL payment ..nothing to do with any dn date or repo date.

 

simply what all the payments you made to them and its date 

 

dx

 

  • Like 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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1 hour ago, dx100uk said:

 

no, as I said above...any charged fees after signing do not form a part of the 1/3rd figure, they cant its quoted on the agreement and always must be.

 

so had you paid £1,199.57 by the day they repo'd?

 

 

Yes that's correct. The Figure used is the Total Amount Payable TAP. THis is everything you pay n order to purchase the car. They have no right to charge a collection fee, if the account is terminated, it is their car, they shift it or they dont.

 

Whilst the interest is calculated on the sum loaned the APR includes everything, fees advance payments etc, even insurance, if it is conditional on the sale.

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DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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you had paid £1,525.81 in my books at the issuance of the DN

that exceeds the £1199.57.= 1.3rd figure

 

the repo was unlawful - the goods were protected under the CCA.

 

go get all your payments back and an equivalent market value for the car

 

 

 

 

  • Like 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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Thanks dx

 

It's a trailer not a car, but I guess same agreement.

 

They did try to repo the goods, I wasn't there at the time so they just left, but if they had access they probably would of taken it.

 

I am happy to keep the goods, I just want them to remove the charges and give me the ownership/paperwork.

 

How did you get £1,525.81?

 

According to my calcs, I am only getting £1408.90...

 

25/10/2016 Cheque - NO FEE 226.50
25/11/2016 Direct Debit (UK) 258.95
25/01/2017 Direct Debit (UK) 83.95
31/01/2017 Direct Debit (UK) 83.95
27/02/2017 Direct Debit (UK) 93.95
27/02/2017 Direct Debit (UK) 83.95
27/03/2017 Direct Debit (UK) 83.95
22/05/2017 Credit/debit card 96.01
25/05/2017 Direct Debit (UK) 83.95
26/06/2017 Direct Debit (UK) 83.95
16/08/2017 Credit/debit card 94.85
13/09/2017 Credit/debit card 83.95
18/10/2017 Credit/debit card 83.95

 

1 x 226.50 = 226.50
1 x 258.95 = 258.95
11 x £83.95 = £923.45 (Letter charges & Penalty Interest omitted)

TOTAL = £1408.90

 

Thanks for the help

 

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thanks for telling use the full story..i like wasting my time..

 

the fact that you were or were not over 1/3rd is totally irrelevant to whether they can charge repo or late fees...

they can't THEY NEVER GOT THE GOODS.

 

 

.

 

 

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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On 08/02/2020 at 11:38, TheDude1 said:

I then made 3 lump payments to cover the arrears and the agreement continued its course.

 

 

I mentioned it earlier "Agreement contined its course".

 

Why would I make a further 3 payments if they did take the goods.... Obviously i would not.

I thought it was obvious they didn't collect the goods....

 

 

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The taking of goods or Voluntary Surrender, which is what results from a repo, doesn't end an agreement as you still owe the principle sum, hence get ripped off by VS rarher than you doing VT.

 

Dx

  • Like 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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Ok thanks that makes sense, I should have mentioned I still got the goods, sorry for the confusion.

 

So are they wrong to charge the repo fee given the fact no repossession took place.

And the other fact they had no legal right to repossess anyways.

 

 

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even if they took the vehicle the repo fee would still be unlawful.

as are any other fixed sum penalty charges

  • Like 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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Share on other sites

Just to add, if they take the car from off your property they need a warrant for that also.

  • Like 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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and it would have to be a certified bailiff taking the car not a powerless repo agent 

  • Like 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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  • dx100uk changed the title to PCF Bank Car Finance - have i Paid +1/3 HP Agreement? **RESOLVED**
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