Jump to content


  • Tweets

  • Posts

    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 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

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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1165 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

So, worth doing either way then really. Whether I win in court, or because they just pay me and run away it'll be the best £35 I've spent in a long time ;) And it'll serve the purpose of costing LowLife parking a few more quid into the bargain.

They've already spent £185 on issuing the claim, which I think is absolutely hilarious, though I don't know if that comes from LowLife Towers or out of DCB (il)Legal's rake off from people that do roll over and pay, especially when threatened with court.

Bullies, the lot of them 🤬 but this time, they've picked on someone that's happy to fight 👍

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.

Link to post
Share on other sites

Do the PPC even know DCBL have issued a claim?

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!

Link to post
Share on other sites

  • dx100uk changed the title to Highview/DCBLe 20*PCNs PAPLOC now Claimform - Yate Shopping Centre - Main Car Park.

No idea. They're listed as the Claimant, but I don't think for a moment that that means anything.

I've got their phone number, I wonder if I should ring up for a little chat to ask them if they know what DCB (il)Legal are doing in their name. Although my gut feeling is to just leave them to it and let 'em spend as much as possible on their hopeless case, it might be a valuable lesson 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.

Link to post
Share on other sites

counterclaiming costs are not just yours...

you could be liable for their barrister fees even if you win.

 

 

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

Hmm, I thought that was only for claims worth >=£10k or personal injury claims over £1k and that in all other cases, costs were limited. Especially on the small claims track.

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.

Link to post
Share on other sites

i pretty sure once you issue a counterclaim, even in the small claims track , the gloves are then off...??.

 

 

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 might pop in to the Bristol Justice Centre on Monday for a spot of advice then. Best to check I suppose 👍

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.

Link to post
Share on other sites

Yes get those ducks in a row DCBL might chuck the kitchen sink in with a Counterclaim if it screws their model up.

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!

Link to post
Share on other sites

This is hilarious.  Are they seriously suing you for tickets that have been cancelled by POPLA appeals?  Surely they will discontinue at WS stage.

 

I remember you posting about Highview before.  IIRC the tickets are for not displaying a permit although in some of their photos, er, the permit is displayed!  Is that right?  If so, as an alternative to a counterclaim, once you've batted away this claim you could start to sue them for breaches of GDPR, either a mega claim for all the tickets, or one at a time to keep torturing them! 

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

Link to post
Share on other sites

Once they have been tolchocked and claim dismissed as frivolous and vex due to POPLA etc, the GDPR angle is a good one, as never any reason to apply for details at all.

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!

Link to post
Share on other sites

FTMDave..

 

Almost, I did have one ticket from UKPC for 'not displaying a valid permit' when their own photos showed the permit clearly displayed in the windscreen.

 

That one would have been really funny in court if they decided to press it, but eventually, they seemed to wake up from their own self induced coma and cancelled the ticket.

 

 

Untitled-8a.jpg

Highview use ANPR (on the same site) and these tickets are for parking in a "patrons only" car park for longer than 4 hours, thereby breaching their so called contrick contract.

As you can see, this car park is quite clearly signed as "PATRONS ONLY" :D 
 

IMG-20170424-WA0001.jpg

 

But, on the GDPR (or DPA 1998 as it was at the relevant time), after I received the very first ticket from highview, for a parking event on 24/09/2016, I wrote to them to point out that the driver (not me by the way) worked at the shopping centre, the vehicle displayed a staff parking permit, and the driver thereby had supremacy of contract. 

The "appeal" (which it wasn't) was of course denied, and a POPLA code was issued. Appeal made to POPLA, highview withdrew for, and this is the reason they gave to POPLA "After further investigation we have decided to cancel this notice".

Of course, while this was going on, I was still getting the NtK reminders, and I think at least one letter from DRP. And lately, DCBL also issuing a demand for payment, and now DCB (il)Legal are (threatening to) take me to court and the above example is one of the 20 tickets that they're claiming.

There are 3 others that have been won at POPLA and 16 that arrived outside of the time from allowed by the Protection of Freedoms Act 2012, Schedule 4. Paragraph 9, sub paragraph 5.

But DCB (il)Legal don't seem to actually care about what the law says, they're just seeing £ signs in their eyes. I've even told them that they have no case and to check the full facts of the case with their client, but apparently, they were either uninterested, or (more likely) too greedy to listen.

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.

Link to post
Share on other sites

OK

Just been to our local County Court to ask their advice about a counterclaim. I probably won't risk it to be honest. 

It doesn't really seem fair (to me at least) but if their claim gets struck out by the Judge, I *could* then (depending on the Judge) be landed with their legal representatives costs (capped at £80) plus the hearing fee (whatever that will be).

So, it will actually be cheaper (potentially at least) for me to allow this case to continue without a counterclaim, and then, once I've won this one, issue my own claim against Lowlife parking.

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.

Link to post
Share on other sites

Looks like best plan there DF., there is then also Data protection breach if claim was unfounded due to POPLA and obvious display of permit in their evidence contradicting their own POC..

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!

Link to post
Share on other sites

As they've now received this (signed for yesterday) I can post it up. My CPR 31.14 request (tweaked slightly from the template).

I think they're going to have particular problems with item 6 on my list, because it doesn't exist. 😜 

I'm expecting the excuse of "but that's not mentioned in our POC" blah, blah, blah. But I don't think that that's going to help them very much if this ever gets anywhere near a Judge.
 

CPR31.14.pdf
 

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.

Link to post
Share on other sites

proof of annual contract premium paid to date from managing agent/landowner to the PPC.

 

don't forget a CPR can be all but ignored, forcing them to disclose such at the WS stage is the key.

 

 

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 agree that they'll probably ignore the CPR request, or send back some 'fob off' letter, most seem to do that.

 

But if it does get as far as court (I'm still sceptical) I'll be able to show the Judge that I (a non professional solicitor) at least, did everything correctly. 👍

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.

Link to post
Share on other sites

Reply today for the 31.14

Some pictures of signage, miraculously, not showing the "staff parking" signs. And apparently "The Contract" wasn't mentioned in their POC so I can't have that.

 

Quote

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.

Post #18

Yeah, my bad, the POC doesn't mention "the contract" at all 😀

I wish I could be a 'legal professional' like wot they clearly are 😉

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.

Link to post
Share on other sites

well ofcourse they will have to disclose the contract and proof of annual payment to date and covering to date 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... 

Link to post
Share on other sites

Yeah, I get that, but it's just the fact that they're so blatant as to deny that the POC mentions a contract when it quite clearly does. I will be mentioning that in my WS. Well, it'd be rude not to ;) 

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.

Link to post
Share on other sites

or its expired and nobody has bothered to boot the fleecers off.

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!

Link to post
Share on other sites

  • 5 months later...

open

Link to post
Share on other sites

Thanks BF.

OK, the final update on this saga. Partial Success. Not exactly the outcome I wanted, but it is what it is 🙄 

This ended up as a telephone hearing because of the virus, which also didn't (in my opinion) help.


14 of the 20 tickets were dismissed, and Highview (as the Claimant) were pretty much told that it was unreasonable for them to even attempt to claim on them, as they were all out of time and under POFA and the BPA CoP, the keeper could not be liable.

They won (ish) on the other 6. They were claiming £80 for the PCN plus £70 "contractual costs" (debt collection) for each ticket. The Judge dismissed the £70 on each ticket as it was not itemised either on any of their signage or anywhere in the POC or their 150 page! Witness Statement.

The Judge said that they were only allowed on the other 6 because all I had was "hearsay evidence" of the Staff Parking permit being displayed, as I did not include (in my bundle) a witness statement from the driver of the vehicle (who was never named). Had that been there, I would have won on the other 6 tickets as well, so, lesson learned on that one.

The Judge also dismissed my arguments on planning permission and advertising consent for the pole mounted ANPR cameras and entrance signage, and the fact that "Staff" are not patrons and there are no displayed T&C's for staff parking. So that was a bit of a blow to my defence.

So, that left me with £480 in PCN's that were upheld.

However, the Claimant also wanted 8% interest, which the Judge reduced to 2% (£30) due to their unreasonable behaviour, and they also wanted their costs of £180 which the Judge also dismissed.

They also wanted the £335 hearing fee, which when I queried it as it's based on the value of the claim, which was no longer for £3,600, was reduced to £220.

Which leaves me with a Judgement against me for £730.


However, the proverbial "fat lady" might be on stage, but she hasn't started signing just yet. I've got one last card to play on this hand, so, we'll see 😉

  • Thanks 1

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.

Link to post
Share on other sites

I am sorry to hear that you didn't get a clean sweep with their claims. Perhaps the Judge thought that you might be taking the p.... with the number of times you had fallen foul of their rules.

I see that you still may have something up your sleeve so if you do, perhaps there may be a second string to your bow with their lack of planning permission.

Courts don't appear to bother about the lack of p.p. but there is another angle. As a member of BPA they have to comply with their Code of compliance  which is necessary if Highview are able to get info. from the DVLA. Here is one of BPA's conditions for membership-

 

2.4 When there is relevant legislation and related guidance, this will define the overall standard of conduct for all AOS members. All AOS members must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses. 

 

By not complying with the Code of practice it calls into question their ability to access the DVLA records. You could compound it by saying that the lack of pp in this carpark is not an isolated incident and is a flagrant breach of the Town and Country [advertisements ]regulations as well as the BPA code.

I am surprised that there is a query over whether a staff permit was showing. Surely there were photos from Highview confirming their presence and without those photos it would confirm that they were there. Enough time has elapsed now that you could reveal the driver without any repercussions and get them to aver that the permit was there.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...