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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Capquest/Drydens Letter of Claim - old Virgin/MBNA card


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This is what I've sent to Capquest this evening.

 

 

They have had time to respond to the CCA now!

 

I recently wrote to you regarding my new address, now I am settled at last, and advised you that I could only be contacted by emai

l and that your assumed right of access is withdrawn.

 

I explained that this was due to the fact that I am my Mother's registered carer since she has been diagnosed with advancing Alzheimer's

, and has further been defined as a vulnerable person under the Mental Health Act and the Mental Capacity act.

 

I sent you a CCA request that you have not responded to inside the 12+2 working day timeframe.

 

You clearly do not hold the original paperwork on any of my liabilities

and therefore I propose to stop all payments to you, and will instead re-instate them to my original creditors.

 

I have kept meticulous copies of all payments made against the accounts

and I have today sent SAR requests to all my original creditors to verify the details with them.

 

In future all my correspondence about my accounts will be directly with my original creditors.

 

Thank you for your concern and understanding,

 

Yours faithfully

 

Let's see what they have to say about that eh?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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If they failed to send you the CCA within the timescale, then there is nothing else to do, it's often NOT the best advice

to inform them that they haven't complied, as they will put extra effort in to finding one.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yes please try and refrain from firing off unnecessary comms.

 

 

check with us first.

 

 

no good paying the OC either.

  • Confused 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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OOps, it's already gone!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

Ooops!

 

Don't understand why I shouldn't be paying the OC though. I do owe the money & don't want to kick a hornets nest!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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the debt has been sold on

nothing to do with them. anymore

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

Hi,

 

I have to find out who I owe the money to though, so I can clear my name!

 

Surely the SAR requests will reveal to whom I owe the money and how much. They should also reveal to whom the debts have been sold too, yes?

 

That being the case, do I not have a liability to the new owners of the debts?

 

I really want to get this monkey off my back!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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no CCA = NO pay.

 

 

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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Share on other sites

I understand that, but the debts must be somewhere; after all my payments, such as they are, must have been going somewhere.

 

One would hope they have been credited to the accounts, and my noddle report says they have shifted about. At least one has gone to Arrow Global which is now Capquest, I am led to believe!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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capquest is not AG! otherway around

 

there you go again

 

just because you 'think' you owe money

 

your payments were going to the dca

lets hope they went off the account.

 

not in their pockets

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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Share on other sites

after all my payments, such as they are, must have been going somewhere.

 

One would hope they have been credited to the accounts,

 

Straight into their profit pocket most likely!

 

It is deliberately designed to be this confusing, as the industry does all it can to exploit the debtors lack of knowledge.

 

The reason why they pass these accounts between themselves is because it keeps their industry alive, by the selling and buying of

accounts in huge portfolios costing millions, once one outfit has had their pound of flesh out of you,

they will flog on the remainder to another outfit in another portfolio, who will take what they want, before flogging it on again, and so the merry go round

continues!

 

Your job is to demand the necessary documents (CCA etc) in order to ensure they have a legal right to be demanding money from you.

Then the SAR to find the true amount of the debt, disregarding the fees/charges so you have a true figure, not one

the OC or the powerless DCA has plucked from thin air to con out of you.

 

Most if not all, of these DCA's are pushing their PULHEEMS...

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi both,

 

The SAR requests will go tonight, then I'll know the exact size of the problem.

 

Shall I to tell both Capquest and Moorcroft that I am stopping my payments to them, or just cancel the standing orders?

 

I can get a complete list of all the payments I have made and if there's a discepancy, can I take legal action to recover the losses?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi both,

 

The SAR requests will go tonight, then I'll know the exact size of the problem.

 

Shall I to tell both Capquest and Moorcroft that I am stopping my payments to them, or just cancel the standing orders? just cancel if they've failed the 12+2 working days time limit

I can get a complete list of all the payments I have made and if there's a discepancy, can I take legal action to recover the losses?

H

 

 

if they've not found their way off the debt

you could certainly make them squirm a lot.

 

 

clue here might be you CRA file

if the balance has decreased on a debt during the time you've paid a DCA

then that will answer it

noddle often has a payment history blue arrow tab

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

Hi,

 

New job is taking my time a bit, but when I get a while I'll go through it.

From memory though, the debits did seem to be coming off he account.

 

I will check though!

 

I have cancelled the standing orders for Moorcroft and Capquest too.

 

We'll see what transpires. As they say, watch this space.........................................

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

They will undoubtedly spit their dummies out......but like petulant children if you ignore them long enough they go quiet!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I will check exactly which OC they are supposed to be garnering money for, so I can reinstate the payments to the OCs. That way I cannot be accused of trying to ignore my responsibilities.

 

 

The DCAs can go swivel though!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

if the debt is shown as being owned by the DCA on your Credit file

or

you have had a notice of assignment telling you its sold

then its NOTHING to do with the OC

they don't even WANT your money

 

 

wise up!

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

  • 2 years later...

My apologies, I seem to have lost track of things here.

 

All this moving around and worrying about my mother.

 

She is in care now, I have a new fiancee, (who does not know about this matter), and I'm building a new life.

 

I will send a CCA request to the capquest people, which if they fail, I will ignore them and just pay the OC's the £5pcm

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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so you've not already done that?

thought you'd sent these off +2yrs ago..

 

pers I think i'd be sending a CCA request to EACH ONE .

 

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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Share on other sites

Hi dx,

 

I have sent them off 2 years back, and downloaded my noddle credit report. It does say, looking back over it, that arrow global are the lender for the £9901, and the £5758.

 

Seems I'd better be paying them instead of the OC, which is where my payments have been going.

 

I can afford to pay each of them £5pcm to maintain the status quo. What do you think.

 

I'm 64 next month. Not employed, and collect my OAP next august.

I've come into a little cash too, so do I:

1. Make an offer to each of my creditors, or

2. Have a holiday.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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wait for each CCA return.

 

if they fail 12+2 working days you cease payment to that one.

 

if any return paperwork

you make a new thread for THAT DEBT

and scan up the paperwork for checking.

 

so make yourself a tick list

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

  • 1 year later...

Hi all,

I stopped all payments to everyone as advised, and thought no more of it since wetcloths didn't contact me again.

 

Today I got a letter from Arrow global, who have apologised for not complying with the terms of the CCA 1974(as amended), in that they haven't supplied me with statements of the account they hold on me from 26th Sept 2012 to 30th Nov 2018.

 

They say that to remedy this 'oversight' they have enclosed a detailed statement covering the period, and that they will send regular statements to ensure I am fully informed 'about all the activity on your account'.

 

They add that if I want to 'discuss any details of my account, I can also get in touch with crapquest.

They then give the same phone no as for arrow!

 

I think that by their own admission, the account is already statute barred.

 

Just a thought, but since I've never paid any money to DCA's, and the OC's do not tell the DCA's anything, aren't all the accounts with the DCA's statute barred?

Edited by dx100uk
merge/tidy

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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crappest are part of the arrows group

 

SB runs from the last payment date on a debt to anyone.

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

Hi dx,

 

I'll just ignore the letters then.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

  • 4 months later...

Well the phone calls have started again!

I can block them on my personal phone & I have caller vetting on the home phone.

Still, I can do without the hassle.

Do I reply & talk to them & explain that I’m just on the state pension & they can’t have what I haven’t got, or just continue to block?

Capquest have sent default notices, and say they will continue to do so about every 6 months.

H

 

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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