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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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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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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

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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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Dragonfly

Need to let us know how you get on. I'm expecting similar soon with more than 4 years of hounding from these clowns. I'm north of the border so a little harder for them to threaten anything other than a bit of flag waving so cant wait for the letter drop :)

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hello DF

 

VV you need to update your existing thread if you have a letter of claim please..

 

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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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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If the LOC is rubbish then tell them that you will in any case ask for the claim to be struck out without a hearing as they are supposed to be solicitors and know how to write these things properly

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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.

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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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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.

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

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