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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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Airportdriver

VCS PCN at bristol airport stopping at zebra crossing

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very Similar thread to Hellabubba

 

Bristol airport. Stopped at zebra crossing as people crossing. Passenger got out. Zapped and sent PCN

 

Photo supplied shows people crossing in front of car and very difficult to see potentially someone getting out as taken from distance.

 

Also VCS camera car tried to entrap me at same visit by stopping in front of my car as I drove out of airport to encourage me to stop so a member of my family who was on pavement would jump in as I stopped! I was aware and waved them away!

 

as per previous threads do II still wait for letter of claim or complain now because oF photo evidence of people crossing?
 

 

1 Date of the infringement 21/02/2020

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 25/02/20

[scan up BOTHSIDES as ONE  PDF- follow the upload guide]

 

3 Date received  27/02/20

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [No]

 

5 Is there any photographic evidence of the event? Yes

 

6 Have you appealed? No

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

 

7 Who is the parking company? VCS

 

8. Where exactly [Bristol Airport]

 

For either option, does it say which appeals body they operate under. -says to contact myparkingcharge.co.uk but no mention of parking body

 

There are two official bodies, the BPA and the IAS. If you are unsure,

please check HERE  it’s IAS

 

If you have received any other correspondence, please mention it here  received final demand to pay £160 received 30/04/2020

 

copy the windscreen or  ANPR section to your thread and answer the questions...

……....

in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE  PDF ONLY

 

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you need to remove pers details from the PDF

I've removed it

 

as for the speculative invoice

do NOT appeal

await a possible letter of claim from simple simon.

though a little dickie bird said he lost 4 'no stopping' claims on the trot the other day/week.

and has discontinued many other 'no stopping' court claim as well.

 

dx


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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Agree, wait for them to send the final letter before action (lba,  lbc) the tell them what a bunch of twonks they are and also report them to the ICO for breach of the GDPR and copy complaint to the DVLA for breach of the KADOE agreement.

they are well and truly stuffed but make them spend their money first

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Many Thanks for the advice

 

Yesterday I received the letter before claim. Time for the snotty letter? Do I address to VCS or Simple Simon himself?

 

letter also contained a reply form asking name and address with a box to dispute the debt. Should I fill that in or just send  snotty letter?

 

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you ignore their reply form totally and respond with a snotty letter by day 30

 

I would HOLD on this AND LET PEOPLE ADVISE TEXT OF IT SOON...

as you've probably seen there have been pretty major devs.recently!!  re OPS.

 

DX


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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read the judgement of One Parking Solution v W at Lewes CC 24/4/20, it is in this forum.

that explains most of the points around a parking contract and as "no stopping" isnt an offer of parking terms their demand is an unlawful penalty and doomed to fail regardless of how they and their ATA, the IPC dress it up.

They know this but they need to lie and cheat and bully people into payuing up because they have a deal to "manage" the roads at airports butas they are covered by byelaws they have nwohting they can legally use to get people to pay them as they have no "locus standi".

they get a decent living out of this by sheer weight of numbers of demands. many peopel dont know better so pay up and then moan about it afterwards. many lawyers will give a cursory galnce at the matter and say "it is a contracual charge" without considering the performace of the contract.

i can sell you London bridge but I cant preform to my side of the contract becaue I dont own it so am reliant on someone else who does own it allowing me to sell it.

Stockbrokers and estate Agents can sell their stuff because they ahve the agreement of someone who does own them to sell but that doesnt apply here because the byelaws prevent that assignment to the cowboys.

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Also as pedestrians were crossing and that was the purpose of stopping, he's on to a loser even if a passenger decided to bail out there.

 

The judgment in the case ericbrother mentioned goes into detail what is and isn't parking, so using a mention of that case and the paragraph numbers that contain it will bite Simple on the bum, if he did try court.


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actions of passenger nowt to do with driver, 

they cant argue that your purpose was to act in a cerain manner when you were clearly stopped at a zebra crossing.

 

Same applies if you are at a red light on a road that is a red route.

if your passenger leaps out or even climbs in to your vehicle it isnt a no stopping violation.

 

Red routes arent on private land even though the airports like red paint so even the damnd format is unlawful

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I thought I would reply something like this:

 

Dear Simple Simon,

 

if someone had looked at the images they would have noticed that the car was stopped at a peculiar road marking this is commonly known as a zebra crossing. Further study will also demonstrate that Clearly there are pedestrians crossing the zebra crossing at which the car is stopped. Hitting and killing the pedestrians is illegal. Stopping at the crossing is mandatory not illegal.

 

I don’t know what planet you come from but this one it is a universally recognised road marking and if you decide to carry on and prosecute this claim you will definitely loose.

 

I look forward to you wasting your money with this one, the local papers as yet dont have a page specifically for comic strips but I'm sure your supposed PARKING charge notice that this will be a great starter for them.

 

I am sure you are also aware of the recent court case One Parking Solution v Ms W - claim number F0HM9E9Z (Lewes County Court, 5/2/2020) In which the judge was damning of the actions of companies such as yours.

 

do I just enter the PCN reference number and not sign?
 

Many thanks

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Yes, don't sign. 

 

We should have a poll for which snotty letter is the snottiest 😅  Well done!

 

"Lose" not "loose" (sorry, I'm an English teacher!)

 

As Simon is interested in only one thing, £££, maybe after "lose" add "whereupon I will go for a full costs order under CPR Part 27.14(2)(g) and spend the money on a nice post-lockdown holiday all the time laughing at you for paying for it" or something similar.

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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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Excellent like it


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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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