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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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      • 33 replies

Highview/DCB(L) +3yrs PCN PAPLOC Now claimform - 1-3 Upper Green East.


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Hello,


I recently received a Letter of Claim from DCB Legal, advising that they were acting on behalf of a client and demanding immediate settlement of an alleged 
PCN dating back to March 2017. Not surprisingly, I have absolutely no recollection any such PCN, let alone any parking contravention.

 

I must admit, I was rather incensed by it all and considered ignoring the letter entirely, especially as the car park in question is outside the premises of a gym 
of which I'm a member and regular user, and a couple of supermarkets I visit on an almost daily basis to this day in London.

 

After careful consideration however, I decided to seek a second opinion on here, particularly from people who've had similar dealings with DCB Legal.

 

By the way, considering this alleged parking offence dates nearly 4 years ago, does it not exceed the permitted time limit for the pursuit of its settlement?
 

 

 

 

DCB Legal Letter of Claim.pdf

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You must reply with an ericsbrother snotty letter

Plenty here already use our search top right

 

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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1 hour ago, hitman126 said:

By the way, considering this alleged parking offence dates nearly 4 years ago, does it not exceed the permitted time limit for the pursuit of its settlement?

 

No, it's six years from the cause of action to make a money claim in county court. The cause of action arose when the 28 days which you had to pay it ran out so it's not statute barred until around April 2023.

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As dx says, you need to reply to a Letter of Claim and show the fleecers you would be big trouble if they took you to court.

 

Have you any idea at all what they reckon you did wrong?  It might be worth sending CP Plus a SAR.

 

Plus have you moved during these three/four years?  Could paperwork have gone to an old address?

We could do with some help from you.

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I am not sure that a snotty letter is the correct response in this case. 

Hitman  has no recollection of the PCN so should say so to DCBL and state that y ou have sent a sar  to CPplus  and asking for time to resolve the matter without going to Court. Get DCBL to confirm that they will hold back on the Court until you know what this claim is all about.

That way you get all the correspondence from CPplus  which may jog  the memory.

Then you can send the snotty  letter.

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DCB(legal) can't just 'goto court'

the claim is raised by them upon instructions from their client 

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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Thanks for all the feedback peeps. They're well appreciated and I'm still trying to figure out which advice would be best 

to follow.

 

@FTMDave, no I haven't moved to a new address during the last 3-4 years. As it happens, I've actually resided at

my current address for well over a decade and so there's no chance of any paperwork being sent to another address.

 

I would definitely though have no recollection of this alleged contravention over 3 years ago, even if I tried. When you

have family, work and far more purposeful things in life to deal with, you don't waste your time and recollections on 

these vampires and their PCNs......especially when they date back years.

 

Edited by hitman126
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Well you need to reply to the LBA.

 

It's a fishing exercise from the PPC.  They firstly hope that dreadful word COURT will make you wet yourself & cough up.  Then they're on the look out for people who don't reply and could have moved or in any case might not reply to a court summons and so lose by default.  Or who drop themselves in it "I did park badly but please let me off the fine because I've got family problems".

 

You on the other hand need to show you're troublesome and would cost them ££££ in court.

 

I like lookinforinfo's idea.  SAR them (it's free and they will have to do some work) and then when you know what this is about, snotty letter 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

 

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  • 2 months later...

So, acting on advice gathered via some third parties, I responded to DCB's letter by challenging them on a number of key points which not surprisingly, prompted a swift reply from them. In order not to risk compromising my defence, I've opted not to place extracts of the aforementioned key points from my letter into this public domain, but would be happy to share them privately with the right person(s) on this forum willing to offer genuine and sincere assistance with no ulterior motive.

 

DCB Legal have since proceeded to submit a money claim against me in a County Court and I've in the last few days received the Claim Form from the court, with an Issue Date of 31 Dec 2020. My intention now is to submit an Acknowledgement of Service within the next couple of days, but I'm keen to look beyond that by desperately beginning to prepare a cast-iron defence to submit to the court.

 

I'll therefore be extremely grateful for any advice or assistance in putting together a sound defence statement to help me see off this irritation at such a challenging time in our respective lives.

 

PS: I'm not sure how much this is going to go against me and whether it is too late to do so, but I did not submit a SAR request to CP Plus Limited and rather chose to deal solely with DCB Legal. 

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who said you need to sar?

cpr does that..

 

So why did you choose to not follow our advice regarding the snotty letter content?

 

you've obv gone elsewhere, made a pigs ear of it and now comeback To us because you have realised you screwed up, played all your cards early and want us to help you by playing secret squirrel??

 

We dont do that here.

 

Please fill out our ppc court claim sticky

And post up all letters in/out to one multiple page pdf file

Read our upload guide carefully.

 

as for your defence. It will be the std 3 -5 line one in most pcn claimform threads here already...

 

dont all play your cards early from now on

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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Your defence cannot be "cast iron".  Firstly & most importantly, that's not how the legal system works.  As dx says, the defence is just a short statement opposing the claim, the "cast iron" part comes later down the line with your Witness Statement.  Secondly, as we have no info about what happened in 2017 it's obviously impossible to be super detailed straight away.

 

The point of a snotty letter was to show the PPC you'd be big trouble in court.  Generally, although not always, at that point they give up and go for someone easier to mug.

 

The point of a SAR was to find out what happened in 2017, and we still don't know.

 

Please give us the info dx asked for.

 

 

Edited by FTMDave
Usual typo!

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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what you should have done is this:

 


pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
.

 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
https://www.consumeractiongroup.co.uk/topic/409718-cpr-3114-request-to-use-on-receipt-of-a-ppc-private-land-parking-court-claim/
.
no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

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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@dx100ukthank you ever so much. I'm extremely grateful for your kindness and assistance.

 

Good news is that I have managed to access the claim on MCOL and plan to submit the AOS by this weekend, as I believe I still have until 19th Jan to do so (The Claim issue date was 31st Dec 2020).

 

In the meantime, I have also downloaded a copy of the CPR 31.14 you included in your last post, edited it where required and pasted its contents below for any review comments.

 

You'll note that I have also sought clarification on the Claim Form receipt date and for that I'll greatly appreciate any feedback.

 

Finally, I've also pasted the Particulars of Claim below (albeit with some minor editing), as I believe this should help validate the CPR 31.14 requested documents.

Thank you. 

 

(removed - dx)

 

 

[[THE PARTICULARS OF CLAIM]]

 

1. The Defendant(D) is indebted to the Claimant (C) for a Parking Charge(s) issued to vehicle [CAR REG] at [ADDRESS].
2. The PCN details are 04/03/2017.2xxxxx7xxxxxx
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. £165 being the 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 £0.04 until judgment or sooner payment.
3. Costs and court fees.

 

By the way, I'm gathering from some of your advice that sending a CPR 31.14 request by email is a complete no-no..........would that be right?

 

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please carefully read the text in red at the top of our templates...i have removed it as it was posted directly to a thread in the open.

 

you don't need to adapt it other than what is indicated..

 

and no you don't ever give the claimant or their dogs an email address as they use the to file documents 1 min before a dead line negating your right to counter it.

 

you have been here since 2008and should be far more savvy than you appear to be at present.

get AOS done and CPR 

you do not wait and do not ever miss your defence filing 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

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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Share on other sites

@dx100ukthanks for the prompt response.

As requested, kindly find below the details of claim as given on the Court Form N1.

 

 

Name of the Claimant: 
Highview Parking Limited
10 Flask Walk
London
NW3 1HE

 

Claimants Solicitors:
DCB Legal Ltd
Direct House
Greenwood Drive
Runcorn
WA7 1UG

 

Date of issue: Thu, 31 Dec 2020

 
Date for AOS: Sun, 17 Jan 2021


Date to submit Defence: Mon, 1 Feb 2021

 
What is the claim for?

1. The Defendant(D) is indebted to the Claimant (C) for a Parking Charge(s) issued to vehicle [CAR REG] at 1-3 Upper Green East.
2. The PCN details are 04/03/2017,2xxxxx7xxxxxx
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. £165 being the 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 £0.04 until judgment or sooner payment.
3. Costs and court fees.


What is the value of the claim? 

Amount Claimed: £215.57

Court fee: £25.00 

legal rep fees : £50.00

Total Amount: £290.57

 

 

Do I still need to send out a SAR to Highview Parking even though I've already got a CPR 31.14 off to DCB Legal?

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In theory no, but CPR is just a request, DCB Legal could just refuse to reply and may well do so.

 

Personally I'd send Highview a SAR as well.  It can't harm you.  The worst that can happen is that it costs you a 2nd class stamp and you'll end up with two copies of the same paperwork.  Get a free Certificate of Posting from the post office.

 

Plus it'll annoy Highview and force them to do some work 😉

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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10 hours ago, hitman126 said:

1-3 Upper Green East.

this cant be all the address on the poc ??

 

 

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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  • dx100uk changed the title to Highview/DCB(L) +3yrs PCN PAPLOC Now claimform - 1-3 Upper Green East.
On 10/01/2021 at 13:08, hitman126 said:

In order not to risk compromising my defence, I've opted not to place extracts of the aforementioned key points from my letter into this public domain

how can you compromise your defence when you have already sent it to DCB(L):crazy:

we will need to see it as we will need to know how many times you've shot yourself in the foot and protect against it if its included in their WS exhibits.

 

1 hour ago, hitman126 said:

I can personally confirm the town and county details, but I can assure you this is all the address given on the N1 POC

Can even take a screenshot and paste it on here if it helps.

 

well depending upon the results to my above, it could be useful as another reason toward a vague POC as there are about 8 listed on google earth.

 

dx

  • Like 1

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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