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    • I have read through a number of similar threads, but one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid), so not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Which Court have you received the claim from ? Civil National Business Centre (Northampton) If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS) Name of the Claimant ? PRA Group (UK) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 23/5/24   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM Tues, 11/6/24 (19 days)  Thurs, 25/6/24 (33 days)   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claimant claims the sum of £7926 for an outstanding debt owed. On 20/4/18 the Defendent entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925   What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents   Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad   What was the date of your last payment? Unsure (probably 2021)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request?   Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
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      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.

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Highview/DCBLe 20*PCNs PAPLOC now Claimform - Yate Shopping Centre - Main Car Park.


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Well, finally, after almost 4½ YEARS 😵 of PCN's from LowView Parking, and countless letters from them, DR-, SCS Law and DCBL I have finally received a 'Letter of Claim' from "DCB Legal" (well, someone is getting ideas above their station!)
Maybe I'll finally get my all expenses paid day out at Bristol Justice Centre 😀

I have until 12th July to respond to their 'Letter of Claim' according to them. I'm just wondering in how many different ways I can tell them to go and take a very long walk off of a short pier 🤔 and that if they think they've got a snowball in hell's chance, to bring their A game to court with them.

Their claiming that I owe (Highview, via them of course) £3,000 and that I must complete their 'reply form'. I've got some really bad news for them 😆

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Of course you should respond so they dont try and use that against you to help them sell their sob story

DCB legal is a real company of solicitors and owned by the same person who owns the bailiff firm Direct Collection Bailiffs Ltd and  who oddly isnt the regulated person at his firm.

write to Yasmin Mia as she is a regulated director of the lawyer co

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Oh, I will be responding. I know I have to, (CYA and all that 😉), but I most certainly won't be using the reply form that they seem to be insisting that I use. Cheeky swines!

I'm really just wondering how savage to be, do I keep it businesslike or go full on, give them both barrels and tear them a new one?

Edited by DragonFly1967

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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This is what I am going with by way of reply to their letter of claim.

 

Quote

Dear DCBL/DCB Legal et al.

 

Thank you for your “LETTER OF CLAIM” dated 12th June.

 

I strongly recommend that you consult your client and ask them for the full details of the vehicle mentioned in your LOC, including those cases where a POPLA appeal was made, the reasons given for those appeals, and your clients reasons for withdrawing in all POPLA appeals that I submitted bar one, which they lost (although that may have been for a previous vehicle, also owned by myself at the time).

Of the Highview references mentioned above, should you wish to bring a claim, 16 of them are fatally flawed, at least 2 of which will see you in very hot water in court as I appealed and won (by way of your clients withdrawal) at POPLA. I would have assumed that you’d already know this, seeing as how you’ve been legally trained and I presume, passed numerous law exams. Unless you’ve had the tea boy write to me by mistake?

As the County Courts work on a Balance of Probability, and as 16 of the 20 are fatally flawed, it would be fair to assume that the remaining 4 tickets are also defective in some way even if there was a contract formed between your client and either the driver or myself as keeper. Which I can assure you is not the case.

 

Once you have read, acted upon and understood the above, if you and/or your client wish to go on and waste a Judges time by proceeding to issue a claim, then I shall look forward to meeting your representatives on the day.

I would suggest that you have them “bring a toothbrush”.

 

 

Yours without regard.


Recorded Keeper of the vehicle at the time.

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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That letter was quite restrained for you Dragonfly. Taking pity on the new boy on the street I suppose. You were probably a bit remiss on not going for Highview back in the days when you were being  showered confetti like with PCNs. Perhaps they would have learnt their lesson then and slunk off into the ether or wherever they live .However  the going rate for breaching GDPR is nearer £500 than £250 so you may benefit by having held off for so long.

While you are waiting for  a reply you might like some light reading material that may really hit them hard if they did decide to take you to Court.

http://www.legislation.gov.uk/uksi/2008/1277/contents/made

The Act is designed to protect consumers for the predations of parking companies and their tame [ie toothless] erzatz debt collectors. It might also include the BPA depending on their  Code of Conduct depending on how Highview are accusing you of breaching their money making scheme.

Good to see you back and fighting.

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Well, I thought it best to be a little bit restrained as, in the unlikely event that this goes anywhere near a court, I'd be happy to produce that, rather than one containing all of the rude words that I can think of and several more than I'd have to Google 😀

Their LOC is laughable really (for reasons that I won't go in to on a public forum (you never know who's reading it)) but if they do decide to take this to court, they are going to loose, spectacularly! 😉

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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The letter is written correctly, it's just the contents of it.

I'm just going to let them waste as much of their time and money as I can, so I don't want to give them too many clues. If they work it out before they spend any more money it won't be anywhere near as much fun 😉 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 2 weeks later...

Just to keep the thread updated.

This is what got sent to DCB Legal in the end, and, just for peace of mind and to be able to prove to a Judge that they did receive it, it was sent as 'signed for' which they did this morning. Have it!

 

Dear DCBL/DCB Legal et al.

 

Thank you for your “LETTER OF CLAIM” dated 12th June.

Rather unfortunately for you, I was not born yesterday. Therefore, please pay very close attention to the rest of this letter and do your own research into the matters raised herein before taking any further steps.

 

I strongly recommend that you consult with your client and ask them for the full details of the vehicle mentioned in your LOC. I’d be tempted to ask them for everything they have as they’re quite clearly not giving you all of the information that you’re going to need should you wish to continue.

Of the 20 Highview references mentioned above, should you wish to bring a claim, as you’re the legal experts (allegedly) you should already be aware that 16 of them are fatally flawed. I’m not going to give you any information as to why as I’m quite sure that you’ll be able to figure it out for yourselves before you waste any more of your own time, and more likely, your clients’ money.

Suffice to say that I had imagined that knowing the full facts of a case, before sending out a Letter of Claim would be the most basic of prerequisites. I’m sure that your Law Professor(s) would be very disappointed in your lack of even simple understanding of the law. “Must Try Harder” will be, I’m sure, a familiar phrase to you.

Unless you’ve had the tea boy write to me by mistake?

As the County Courts work on a balance of probability basis, and as 16 of the 20 are fatally flawed, I think it would be fair to assume that the remaining 4 tickets are also defective in some way even if there had been a contract formed between your client and either the driver or myself as keeper. Which I can assure you is not the case.

 

Once you have read, acted upon and understood the above, if you and/or your client wish to go on and waste Court time by proceeding to issue a claim, then I shall look forward to meeting your representative(s) on the day.

I would suggest that you have them “bring a toothbrush” (see VCS vs IBBOTSON (1SE09849) for details). District Judges do rather tend to take a very dim view of being lied to and having their time wasted. I can’t imagine why.

I think that probably your best (and cheapest) course of action would be to write to me one final time to notify me that all matters have been dropped by yourselves and/or the claimant and to apologise for wasting my time.

As your client has no doubt instructed you in this matter, I shall also be making a formal written complaint to the British Parking Association for your clients breach(es) of the BPA CoP for AOS members. I dare say that your client will be hearing from their trade association in due course.

I will also be writing the DVLA to raise matters with them for your clients breach of KADOE via the EDI.
 


lil ole me
Recorded Keeper of the vehicle at the time.
                                                           

 

                                                                                                                                    CC: Highview Parking.

......................

 

 

Not that the letter two matters will make the slightest bit of difference of course.

One must be realistic after all 🤔

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 2 weeks later...

Just a quick update for this.

I've had a letter from LowLife parking this morning "rejecting my appeal" (yeah, you know, the one I never made) 😆 

apparently, I'm "out of time".

Who knew 🤔

At the bottom of the letter it quite clearly states:

"Registered Office: Ranger House, Queens Road, Barnet, EN5 4DJ".

 

The only problem with that is that their registered office address changed to 10 Flask Walk. London. NW3 1HE on 25th April 2019. 😉 I can feel a complaint to Companies House coming on 😗

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Ranger House is the address of a person well known in the parking industry whose name does not appear as a director of this company or others he runs. He is also the best mate of Ashley Cohen who runs CEL without declaring it to CH

Why dont the powers that be take action against the dishonest when they have the information but before people lose fortunes to this kind of deceit?

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  • 2 weeks later...

Annnnd, an update. The saga continues.

I've had a letter from DCB Legal this morning...

 

Dear Sir

We write to you in response to your recent correspondence.

You state that 16 out of 20 Parking Charge Notices (PCNs) are flawed and that our Client is aware of this. We have consulted with our Client and they are unaware of what you are referring to.

Please clarify the reasons you dispute the debt so that this can be addressed.


And my reply, which is just about to go in the post...

Dear DCB Legal.

 

Thank you for your letter dated 31st July. And here I was labouring under the assumption that you are competent, qualified, professional solicitors.
 

Your client may have an excuse, they’re just parking snakes, but as so-called solicitors, you should know better.
 

On that note, I did not say that you’re clients were aware that 16 (now actually 18 after further research on my part) were fatally flawed. I’d be pleasantly surprised if your clients were even aware of which way was up.
 

What I actually said was…

 

“Of the 20 Highview references mentioned above, should you wish to bring a claim, as you’re the legal experts (allegedly) you should already be aware that 16 of them are fatally flawed.”
 

I’m not doing your work for you beyond suggesting that you read and inwardly digest the full contents of the Protection of Freedoms Act. Particularly Schedule 4. If you can’t work it out for yourselves and believe that you have a case, please do proceed to issue a claim. I’m looking forward to it already. Unless you work it out, that’s the only way that you’re going to see my hand.
 

If you’ve not got the guts to issue a claim, please stop writing to me (apart from answering my SAR (already sent)) as I’m getting a little fed up of wasting my time. Clearly unlike yourselves, I have far better things to be getting on with.
 

Just in case it may have escaped your attention, or intellect, I am not someone that you can bully, threaten or cajole in to paying either yourselves or your client.
 

The only way that either of you are getting even a penny out of me is to take me to court and win.
 

Good luck with that.
 

Signed, Keeper.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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wrong you're...^^^^^

 

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... 

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Oh well, too late now.

 

They probably won't notice anyway, I don't think that they're that intelligent. 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 1 month later...

Whoa! GAME ON!

A claim form has arrived in this mornings post.

Once they get to the stage of actually seeing my defence, I really do hope that they're that stupid & greedy that they take this to hearing.

 I can feel a grand day out coming on 🤣

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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OK then, here we go...

 

Name of the Claimant : Highview Parking Limited

 

Claimants Solicitors: DCB (il)Legal

 

Date of issue – 09/09/2020

 

Date for AOS - 27/09/2020 by my reckoning

 

Date to submit Defence - 11/10/2020 (so 09/10/2020 by my reckoning)

 

What is the claim for 

1. The Defendant (D) is indebted to the Claimant (C) for a Parking Charge(s) issued to vehicle (Registration) at Yate Shopping Centre - Main Car Park.

2. The PCN(s) were issued on 24/09/2016, 31/12/2016, 05/05/2017, 03/06/2017, 16/07/2017, 22/07/2017, 28/07/2017, 01/09/2017, 25/10/2017, 26/07/2018, 02/02/2018, 13/03/2018, 16/04/2018, 28/05/2018, 25/06/2018, 26/06/2018, 08/08/2018, 17/08/2018, 12/09/2018, 13/09/2018.

3. The PCN(s) was issued on private land owned or managed by C. The vehicle was parked in breach of the Terms on Cs signs (the Contract). thus incurring the PCN(s).
4. The driver agreed to pay within 28 days but did not. D is liable as the driver or keeper. Despite requests, the PCN(s) is outstanding. The Contract entitles C to damages.

AND THE CLAIMANT CLAIMS
1. £3000 being to total of the PCN(s) and damages.
2. Interest at a rate of 8% per annum pursuant to s.69 of the County Courts Act 1984 from the date hereof at a daily rate of £0.66 until judgement or sooner payment.
3. Costs and court fees.


Grammatical errors are as typed. Legal professionals indeed.

Edited by DragonFly1967

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • dx100uk changed the title to Highview/DCBLe 20*PCNs PAPLOC now Claimform

With £3000 at stake they will take this to the bitter end. and its DCBL as well doing the DCA begging.

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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Oh I hope so brassnecked, I really do. 

Of the 20 tickets that they're claiming for, 4 were appealed to POPLA and those appeals were won by way of Highview withdrawing (already confirmed by POPLA by way of an SAR). And the other 16 NtK's all arrived outside of the time allowed by POFA, some of them 60+ days after the parking event, and on a few occasions, they didn't even ask the DVLA for keeper details until after the time allowed by POFA for the NtK to arrive. KADOE access after 23 days, 57 days. 58 days, 64 days. 🙄

The Judge is going to crucify the poor schmuck that comes to represent them. I can see it coming. It's just a shame that they can't.

Add to that if I decide to make a counterclaim for an unspecified sum at the judges discretion and it could be a very expensive day out for Highview. Perhaps I'll send DCBL to enforce if they don't pay 🤣

Edited by DragonFly1967

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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It must be oh Dragonfly has forgotten all about this and shredded the evidence, lets have another pop for a nice default.

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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they'll drop and run as soon as your WS lands.

 

just don't give the game away in your defence!

 

from what i've heard elsewhere....

DCB legal have issued 100's of claimforms since their arrival in the PPC speculative invoice game without the relevant clamant company even knowing they've done them!

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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brassnecked.

Oh boy, are they going to be disappointed.

 

Apart from 1,

I have all of the NtK's, reminders, letters from DR-, SCS Law, DCBL and DCB Legal.

Which of course, I'll be asking for again under 31.14 (because I can).

And because they've mentioned "The Contract" in their POC, I want that too, along with a few other bits.

And if they decide not to play ball, I may apply for an order for disclosure to the court, and I'll also be looking out for anything that may fall under 31.23 while I'm at it.

They want to play hardball, that's fine with me ;) 

Each of the NtK's I have  is dated as to when it was received and noted as to whether or not an appal was made to Highview and/or POPLA, whereas most (as I said above) cripple their own case by just looking at the dates.

I also have a copy from the DVLA of when my details were accessed via KADOE, and a spreadsheet with all of the relevant data too, just for good measure :D 

dx. I dare say that it's the usual numbers game. Issue enough claim forms and a large percentage of people will cave and be on the phone desperate to sell them their children. At some point they'll go back to the client and say "look how many people we got to pay up, aren't we brilliant!" whilst forgetting to mention anyone that squares up and fights.


Correct me if I'm wrong, but if I do decide to issue a counterclaim, does that not mean that they can't just drop this, as my claim would still need to be heard? If that's right, it might just be the right thing to do, along with obtaining a transcript and publicising the hell out of it of course :) 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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a counterclaim can be very costly and dangerous...

 

and don't forget, as long you list the docs in a 31:14, they MUST disclose such in their WS...

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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Agree with DX re Counterclaim, I know your game  is to force them into appearing, but they might just bail and run given a WS that utterly destroys them.

We could do with some help from you.

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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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Whilst I take both of your points, I can't/don't see how I could lose a counterclaim.

 

Obviously it depends on the Judge on the day (law unto themselves and all that) but given the weight of my evidence, or rather, using their own evidence against them, I think a counter claim for an unknown sum (at the Judges discretion) might be the final slap in the face that they need.

As far as I can work out, as long as I don't put any kind of monetary value on the counterclaim, all that it's going to cost me is £25 (online) to ruin their day by winning, even if it's only a token amount.

 

Ahh no, re-read it and I have to specify a monetary value.

Shame, but I reckon it'd be worth a £35 each way bet on a £500 counterclaim, just so that they have to send someone to be humiliated.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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They might cough up to avoid having it all tested in court and killing their pig for them, choking off further fleecing of people with claims of no merit whatsoever that might even border on fraudulent.

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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