Jump to content


  • Tweets

  • Posts

    • now read my post again carefully.. dx  
    • Thanks. I often use this free site  https://www.sejda.com/compress-pdf  for work to compress PDFs. If it's no good, as you say, split it, and we'll do the biz at this end tomorrow. Knackered here - more in the morrow.
    • This is the covering email response (all personal details removed) - the pdf with all the info is 8mb - too big to upload - I'll need to split it and redact it tomorrow. Dear, We write further to your recent correspondence. We note from this that you have submitted a Request for Access pursuant to Article 15 of the UK General Data Protection Regulation (UK GDPR). We wish to confirm that the response provided below, and via the enclosed documents, concerns the Parking Charge referenced above. This data is provided on the basis that we note that you have already been identified as the registered keeper of the vehicle in question in relation to the dates of 22nd August 2023 and 11th September 2023 and therefore we can be satisfied, to the standard required, that the data collected and processed in respect of that vehicle on that date is personal data pertaining to you. We can confirm that your name and address were provided by the DVLA on 26th August 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 22nd August 2023 Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we entered into legal proceedings on 8th January 2024 in order to recover the outstanding sum owed for the Parking Charge and further costs were incurred. We can confirm that your name and address were provided by the DVLA on 15th September 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 11th September 2023 . Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we contacted our recovery agent in order to recover the outstanding sum owed against the Parking Charge. For clarity, personal data sent to our recovery agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. We can confirm, in line with s.(1)(h) of Article 15, that no automated decision-making or profiling, referred to in Article 22(1) and (4), has been undertaken in relation to personal data in this case. We note that Article 22 states as follows, “The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her or similarly significantly affects him or her”. We can confirm that you have not been subject to such a decision and that the processing falls outside the scope of Article 22. Any automated checks undertaken by Parkingeye in relation to ANPR data will only result in a decision not to issue a Parking Charge. Should the ANPR data we process indicate that a breach of the parking terms and conditions has taken place, any subsequent decision to issue a Parking Charge will require that data to pass through a substantial checking process that includes human intervention. Please note that the UK General Data Protection Regulation provides the following further rights:   •             The right to request from Parkingeye access, rectification or erasure of your personal data; •             The right to request from Parkingeye restriction of processing of your personal data; •             The right to object to the processing of your personal data.   Please note that some of these rights are not absolute and will only apply in certain circumstances. We will review each request we receive in respect of these rights. We do not have to agree with a request but if we refuse, we will still contact the data subject within one month to explain why. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO). For further information, please refer to the ICO website, www.ico.org.uk. You may also seek a judicial remedy. For further information about your rights as a data subject, plus information about the categories of data we process, data transfers, the legal basis for our processing, and the purposes of processing, please visit: https://www.Parkingeye.co.uk/privacy-policy/   Yours sincerely,   Parkingeye Privacy Team
    • Thanks to you both.  I'd guessed it was CCTV, but the creeps who sneak up and take photos of the vehicles also use time stamps. BTW TT98, what you have received is not a fine, you can never be clobbered for the statutory consequences of not paying a fine - because it isn't one.  It's an invoice, and they have the same right to sue you as you have the right to sue anyone as a layperson who doesn't pay you for an invoice.  It's just a simple civil matter about a "debt".  Nothing worse.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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

Debts in the UK now with DCA's


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 375 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

I left the UK in 2018 and behind it closed the door (and buried my head in the sand) to a number of debts. 

 

Various collectors have found my mother's address and are sending letters - she's obviously keen for me to deal with my debts, but I'm hesitant to give money to these companies. Especially as they'll be on my messed up credit score for 6 years regardless. 

 

I am returning to the UK August 2021 - so I would like to know what to do before this move, and after this move. I'm in a better position financially and mentally.

 

I have not acknowledged or paid anything to these debts since I moved in August 2018

 

The breakdown are: (Credit cards)

  • Barclays - Now Hoist finance uk holdings 1 limited (£2100 debt defaulted Feb 2019)
  • Tesco Bank - Now Wescot (£3400 debt defaulted Nov 2018)
  • Halifax Bank -  (£920 debt default Jan 2019)

 

There's also a network 3 mobile bill. The default was Feb 2019 and it was originally for £144 - now it's £450 and the DCA is Lowell.

 

Any help or advice is appreciated here.

Link to post
Share on other sites

Register your foreign address with all of the debts owners, by writing to them, with proof you reside abroad. Do not say anything about owing a debt and don't mention any plans about returning to the UK. Just keep it simple. It is purely registering your foreign address. And keep copies of letters and proof of posting.

 

Don't worry about any enforcement of the debt where you are living abroad. It would be too complicated and costly for them to do so.

 

By registering your foreign address with the debt owners, it will hopefully stop your Mother receiving letters and more importantly, it should stop them gaining UK Court judgements (CCJ) against you in your absence, as you were abroad so could not defend.

 

If you return to the UK, these debts on your UK credit record will cause you problems such as obtaining any form of credit. And getting a CCJ would cause you more problems with some employment and property renting affected.  If you are in a position to offer reduced full and final settlements to clear debts, it may be worth considering, but do not do this until you look into the debts further. For example debts may include amounts which can be argued should not be included e.g. excessive charges

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

Hey, 

 

Thanks for this! 

 

I assume I have to do this by post, and cannot inform them of my address by e-mail? For proof, what would be good for this - a scan of my residency card with stuff redacted, a scan of my current work contract?

 

In addition, the Hoist debt I only know because I checked my credit file - I actually haven't received any correspondence from them (as far as I'm aware) - What would a letter to them... look like? By default I think it would look like I was admitting debt haha. 

 

A letter like:

 

"This letter is to register my address in X, the address is X"

 

Any other information I need to include? 

 

Cheers again. 

Link to post
Share on other sites

Try email first with scanned copy of residency card. Don't send too much information and certainly not work contract. It is purely registering foreign address.

 

Problem with emails, is that they may ignore or refuse to accept email. So you may have to send letters. Posted Letters do seem to be important, as not all legislation accepts emails as proof of supplying information.

 

Your letter should include details of original creditor, any reference numbers. If your Mother has kept letters, ask for any reference numbers that are quoted.

 

Letter.

 

To whom it may concern.

 

Original creditor xxxxxxx

Reference xxxxxxxxxxx

Last UK address xxxxxxx

 

Please note that I currently reside at the address below and enclose a copy of my residency card.

 

Xxxxxxxxx

Xxxxxxxxx.

 

Please acknowledge receipt of this letter confirming that you have noted my foreign address and will use this for all future communications.

 

Yours faithfully

 

Print name. Do not sign.

 

 

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

Write to them with a simple letter confirming you're current address, make sure you keep proof of posting. The first day that you arrive back in the UK next August, you write to them again with your new address. It's as simple as that!

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

dont bother writing to wetcloths, they don't buy debts, merely chase for their clients.

 

so lowells,hoist,tescos, halifax.

 

pers i would recommend NEVER using email as if things ever got nasty then important documents could be served later in the process at 1 min to a deadline and you'd have no legal remit time to counter their lies.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks guys! Much appreciated.

 

I won't e-mail, I'll just send from here. Hopefully it won't take too long, though by the time I get an acknowledgment I'll probably be gone aha.

 

In terms of when I get back to the UK what's the best course of action? Am I better waiting out as long as possible to pay - make them prove the debt and stuff? I want to avoid a CCJ, but regardless I know this isn't gonna be off my record for a good while. At what point should I get ready to make payment/settle? 

 

Sorry if it sounds like I don't know anything, it's because I really don't know what I'm doing. 

Link to post
Share on other sites

Priority is sending the letters and getting confirmation that you live abroad.

 

With Covid-19, you cannot be certain that you will be back in the UK at any given point. If there is another lockdown then plans may get put on hold.

 

When you return to the UK, simply update the debt owners with the new UK address. Let them write to you first and after receiving a number of chasing letters, come back for advice.  If you are not coming back to the UK for about a year, the way to challenge debts may have changed by then.  So update your thread on here, when you return to the UK.  Debt owners don't rush to issue court claims.  A sensible step is often to send the original creditors e.g, Banks,  phone companies a GDPR subject access request.  Do this when you return to the UK, so you have more  information available to help you.

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

Thanks again! 

 

This all makes sense. I'll inform the companies this week, and when I come back to the UK. I'll then come back to this thread then. 

 

So glad I found this site! Such a help, much appreciated. Have a great week. 

Link to post
Share on other sites

  • 1 month later...

So update on 2 of the letters.

 

I sent 1 to Wescott (now they are saying they are no longer in charge of this debt)

 

1 Hoist (without a ref number) as I only got the information that they had bought the debt from Equifax, they wrote back asking for a reference number as they couldn't find the account.

 

My Q is how do I find out who actually is currently holding this debt? Should I write directly to the bank I originally got the credit with?

 

Thanks~

Link to post
Share on other sites

not sure where we said send it to wetcloths?

 

the hoist debt will be your old barclaycard.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ah, I must have misread to send to everyone - looks like I did.

 

I don't have any of the cards anymore, they're in a lost wallet. 

 

I do have a Q - if I log into the online banking again/or try to to find the card numbers and whatnot - does this have an effect on the timer for SB timer?

Link to post
Share on other sites

nope

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

  • 1 year later...

Separate debt but got a letter from intuim or whatever offering to write off 2,700 if I pay 600.

 

of course I have no intention of doing this - but my question is why would they do this? I mean is it profitable for them to do this? And surely the default is still on your credit file; so their promise of your credit file being clear isn’t the truth right?

Link to post
Share on other sites

As long as you have in writing informed either the OC before sale or Intrum since if you've ever moved since taking this credit out, yes, quite safe to ignore. This protects again backdoor Litigation.

 

And yes quite correct, automated letter and its defaulted anyway, so makes no improvement, debt is removed on the DN's 6th b'day regardless to paying or not or paid or not  , but this of course has no relevance if the debt is still owed, that's down to the statue barred date 

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to Debts in the UK now with DCA's

posts moved to your general debt thread

 

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

If!!!

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 5 months later...

open

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

scan up their predicted bogroll to one mass pdf please

read upload carefully

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

all they sent 

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

sorry but youve not redact 90% of the things you should have?

your a/c number is even on the 1st few pages.

 

please do as our upload guide recommends and the LAYOUT of letters is as important as the wording.

 

using word removes their layout

scan each page as a PICTURE FILE .JPG

redact in say mspaint or ANY PHOTO editing prog.

 

convert everything to pdf. merge to one mass pdf.

 

there are online websites list in upload that will help tasks.

 

from page 33 of your pdf is ok 

 

 

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

  • 4 weeks later...

Sorry for the delay. This should be all documents redacted information this time - apologies for page 4 I tried to adjust it, but it still kept being blank.

 

I've moved house recently, so the original credit agreement is dated then, however, another has been sent as I told the company I had moved. I received it today - but it doesn't have a date on it. So not sure from what point this 30 days notice runs from or until... 

 

Thanks again for all the help and being so patient - happy to re-adjust if anything is wrong, hopefully everything is as needs to be. 

 

*Edit I had to compress it, hopefully it's still readable - I can re-do it if necessary... just let me know! 

 

 

Hoist Notice of Assignment Default and Credit agreement.pdf 

Edited by DebtBoy69
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...