Jump to content


  • Tweets

  • Posts

    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
  • 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 
        • 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

The Enterprise Fund. 10k Start up loan debt being chased by with Vil collections DCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1478 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,

 

Please can you let me know how you go on with Vilcol, I am in the same situation with 10k chasing letter that appeared on my doorstep on Saturday, my ex partner arranged the whole start up loan along with spending the money, I just signed on the dotted line.

 

June/Jul 2014 was the last communication I had with the lender.

 

Cant decided to incorporate this into my DMP, query with them and arrange a payment directly or hold out until its statue barred.

 

Thank you,

 

https://www.consumeractiongroup.co.uk/topic/418957-£5k-debt-with-vilcol-collections-they-produced-a-credit-agreement/?tab=comments#comment-5019278

 

 

Link to post
Share on other sites

Blindly paying other powerless dca's in that dmp??..whyy??

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

Hi

 

I am after some advice if anyone can assist.

 

In 2014 my ex partner of 12 years set up a business and applied for a start up loan, I stupidly signed on the dotted line. I didn't spend any of this money. The same year the business was dissolved which I thought the loan went with it.

 

My ex and I separated and I moved.

 

On Saturday I received a letter from Vilcon requesting payment of £9500 on behalf of The Enterprise Fund. This was a complete shock to me, nearly 6 years later.

 

I have looked through old emails and June/Jul 2014 was the last communication I had with the lender.

 

Following the breakdown of my relationship with my ex I was left with a lot of debt which I have a DMP and this is working well form me.

 

I cant decided how to approach this letter, do I incorporate this into my DMP, query with them and arrange a payment directly or hold out until its statue barred (its got to be 2/3 months away)

 

I have spend the last 5 years working hard to rebuild my credit rating in the hope of going on my now husbands mortgage next year.

 

Any advice would be greatly apricated.

 

Thanks

Link to post
Share on other sites

Ignore them

a dca is not a BAILIFF

 

hope you sent eveyone you are blindly paying in your dmp esp dca,s a CCA request??

 

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

By ....

Quote

I stupidly signed on the dotted line. 

 

Acting as a guarantor or business partner ? 

 

Who dealt with the dissolved company ?

 

What are the details of this loan...government funded of private..term of loan ?

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I think as a business partner as my ex was the director of the limited comp.

 

I believe it was the accounts at the time that dissolved the company.

 

I am sure it was the government funded loan.

 

Also in terms of my DMP, I am doing this via payplan and no ones mentioned to me sending a CCA request letter, I shall look this up now, the only DCA I am paying in my debt management plan is PRA Group Ltd for 3 debts totalling £6500 and link Financial ltd for 4231.22.

 

Thanks

Link to post
Share on other sites

two of the worst fleecers out there..

 

have a read of a few here after the other topics section

 

https://www.consumeractiongroup.co.uk/forum/310-debt-management-plan-companies/

 

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

Very interesting read thank you, I look into writing to these asking to be provided with the CCA.

 

In terms of the The Enterprise Fund debt stated on the letter from Vilcollections, what action would you recommend I take?

 

They havn't bought the debt, there are just chasing on behalf of their "Client"

I've never had statements or any other communication with these or the lender since 2014.

 

The only details this letter has is "The Enterprise Fund" and the balance due.

 

To be fair I moved out of the address they had for me 5.5 years ago, a part of me believes they are waiting for me to respond to see if they have found the correct person.

 

Thanks,

 

 

Link to post
Share on other sites

as post 5 ignore them.

 

a for CCA requests

 

everyone you are paying has 12+2 days to comply 

 

 

list your debts please

 

original creditor

type of credit

when taken out

how much outstanding

is this defaulted

who you pay now.

 

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 I shall ignore,

 

Please see below as requested

 

Original Creditor

 

 

 

Credit now with

 

 

 

Balance

 

 

 

Debt Type

 

 

Date opened

 

 

 

Date Defaulted

  Barclays 128 Overdraft 07/09/2020 18/11/2015
Barclays Link 4108 Credit Card 20/07/2020 14/09/2016
  MBNA 2525 Credit Card 16/03/2020 31/03/2016
  Next 711.72 Store Card 20/09/2010 13/07/2016
RBS PRA 418 Overdraft 06/08/1998 05/07/2016
RBS PRA 467.51 Credit Card ?? ??
RBS PRA 5624 Loan 27/09/2013 05/07/2016
  Talk Talk 240.23 Comms 08/07/2015 22/11/2016
Link to post
Share on other sites

8 hours ago, Roddy4852 said:

Thanks I shall ignore,

 

Please see below as requested

 

Original Creditor

 

 

 

Credit now with

 

 

 

Balance

 

 

 

Debt Type

 

 

Date opened

 

 

 

Date Defaulted

  Barclays 128 Overdraft 07/09/2020 18/11/2015 - do you still bank with them?
Barclays Link 4108 Credit Card 20/07/2020 14/09/2016- send a CCA request
  MBNA 2525 Credit Card 16/03/2020 31/03/2016- drop to £5PCM
  Next 711.72 Store Card 20/09/2010 13/07/2016- drop to <£5PCM
RBS PRA 418 Overdraft 06/08/1998 05/07/2016- STOP PAYMENT NOW. 
RBS PRA 467.51 Credit Card ?? ??                  - send CCA request
RBS PRA 5624 Loan 27/09/2013 05/07/2016- send CCA request
  Talk Talk 240.23 Comms 08/07/2015 22/11/2016- stop payments now

 

 

pers i'd dump PP immediately 

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

About a year ago I assisted a friend who had a debt management plan by writing to every creditor of which there where ten. Not a single one could produce supporting documents to assert their claim to the money!

 

Needless to say he stopped the plan, and the payments and the creditors have been unable to persue further.

 

Just saying!

Edited by comebackjimmy
Grammar
Link to post
Share on other sites

So back to your initial post with regards to the Enterprise Fund Debt...bear in mind that it will be exempt from the CCA 1974 as its a B2B finance loan and must be treated differently...statute of limitations would still apply and that will be fast approaching hence the chase by Vilcol (Oct 2020)

 

Of course if it was included within the LTD Company Dissolution...then its dead anyway....but check to see if it was.

 

B2B finance are covered by the RAO: The Financial Services and Markets Act 2000 (Regulated Activities) Order 2001,

 

The exemption relating to business (previously s.16B of the CCA 1974) is now contained within article 60C of the RAO and states that the agreement is an exempt agreement if (a) the lender provides the borrower with credit exceeding £25,000 and (b) the agreement is entered into by the borrower wholly for the purposes of a business carried on, or intended to be carried on by him.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

 

Thanks DX, following your previous comments I have looked up the CCA letters and prepared them for the DCAs, I have also prepared letters for F&F for the others offering 20%.

 

Thanks, Comebackjimmy, If I didn't need my credit score to improve I would have the balls to cancel, however I have 2 years until the defaults expire and need to go onto a mortgage.

 

Thank you for your response Andyorch, I don't think it was included in the company being dissolution. The amount was £10,000 so less than £25,000.

 

This really isn't my area of expertise so unsure how to approach this letter from Vilcol,  Dx advised to ignore which I am happy to do, and I can wait to see if I get a court letter from them enterprise fund? like ive said above I need keep my credit score clean so cant be getting any CCJs.

 

I really appricate everyone's advise.

Link to post
Share on other sites

pers i'd not be F&F'in without checking the bills/sums are not inflated by unlaeful charges and monthly costs till end of contract ..

 

which are you F&F'in…??

 

 

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 was going to send F&f letters to 

 

Barclays 

MBNA

Next 

Talk Talk
 

would you suggest writing asking for a breakdown of the outstanding balance?

 

Next are the only ones which send me a monthly statement.

 

thank you for your help

Link to post
Share on other sites

Quote

Thank you for your response Andyorch, I don't think it was included in the company being dissolution. The amount was £10,000 so less than £25,000.

 

Irrelevant that it was less than £25K....(b) the agreement is entered into by the borrower wholly for the purposes of a business carried on, or intended to be carried on by him.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Ok thank you, so how would you recommend I approach this letter? Ignore and see what happens. From what you said I understand that I can’t send a CCA letter however unsure how it being exempt changes the situation, this is all new to me. Sorry if I sound daft!

 

 

Link to post
Share on other sites

So...as your ex partner been contacted about it ? Why was it not included in the Ltd Company debts ?

Why did you have to sign the agreement ?

 

As said it is approaching Statute Barred if you can string them along till October

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

No I don’t believe so and I don’t think he will have been, I think it is classed as a unsecured personal loan. 
 

I signed for it as he didn’t have a credit rating good enough to get it.

I am buggered really arnt I !

 

Link to post
Share on other sites

no..

 

as long as you've not moved since signing it.

 

……………..

 

Quote

 

I was going to send F&f letters to 

 

Barclays 

MBNA

Next 

Talk Talk
 

would you suggest writing asking for a breakdown of the outstanding balance?

 

Next are the only ones which send me a monthly statement.

 

thank you for your help

 

 

send each an sar.

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

no you need to update everyone that thinks you owe them money individually

 

so either by a CCA request

or a simple letter informing them of your new address.

 

that's explains the Vile collections phishing letter now.

you run the risk of Backdoor CCJ's you'll know nowt about.

BUT you write to the Original creditor/client of a DCA, unless they show as the owner of the debt on your credit file.

 

by your self help that I directed you too earlier, you should have already spotted this....

 

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

All other debt have my new address or will do once I have sent the cca and settlement letters.

 

the Vilcol which is my biggest concern I wasn’t aware was outstanding therefore didn’t know to inform, if I’d known about it I’d have included it in my dmp 4 years ago.

 

i feel I need to acknowledge this letter in some way so I don’t get a surprise ccj, I just don’t want to reset the SB timer does that make sense

Link to post
Share on other sites

I would not be sending settlement letters until you have sar info.

 

as for viledca...as I sais simply write to the original creditor.

 

 

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...