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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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Moneybarn - Terminated Contract - won't allow VT. **WON Got VT no charges**


Carkeys
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i'm not being disrespectful of other advice sources, but please be very careful over what choices you make after receiving such advice.

i will gather then, you are in Scotland BTW?

 

 

 

.

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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I took some advice for a few other issues Ive had and they offered to help with this too, I was hoping they would at least be able to get some clarity from MB as they wont respond to any email requests. Im in England.

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Well if any of the advice includes blindly paying any dca's without sending a CCA request 1st...

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 have got a few accounts with Lowell.  He's told them to stop taking payments while he gets all the paperwork from them.

 

Ive carried on paying MB as even though they say they've terminated the contract because I wanted the arrears clear and to show that I am willing etc etc. I cant afford to lose the car and still have close to 6k hanging over me. Ive been offered a car from a member of the family which would see me through a couple of years, which is why I want to VT if at all possible. I believe he has sent a SAR to MB

 

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in other words he has sent a CCA request to lowells for ALL the debts you were blindly paying them YES?

if not and is all this advice free to you, if not dump them!

 

do it yourself!

 

 

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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Yes, its free, its a church group. I felt like ive been fighting fires for so long with debts, I went to them to get a handle and rid of it all. . I was blindly paying DX, now ive done so much reading on here I realise that I could have done it better quite some time ago... always find out too late hey. 

 

I feel they are working for me, not the DCA's if that makes sense

 

 

 

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well if they comeback and advise to pay anyone anything, then question the enforceability of ALL your other debts...

 

what are they?

 

OC

who you pay now

type of credit

when taken out

when defaulted

£owed

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

No defaults on EON (£240 left was £1300) From 2016

Default 2016 for 3 Mobile (£150 left, was £700)

Both with Lowell. 

 

Temple Finance (Perfect Home) for a washing machine. Balance £558 defaulted in 2018. Ive paid nothing on it since 2018 original amount was £660. Sill with OC

 

Virgin - £164 Defaulted in 2018

 

Was in a pretty bad place 2015 - 2018 which is where defaults/debts are from. Everything else on credit file satisfied/settled or running well. (Just MB as previously discussed, but thats ongoing)

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Pers id stop paying all those

The eon debt..shame you paid at all..it cant be real and must be as a result of their very well known billing software change error else eon would have gone to court and not sold it on for<10p=£1

 

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

Really? Wish I'd got proper advice a couple of years ago. I've paid off £1000's of old debt in the last few years...

 

What should I do about Temple Finance? I was thinking offer them a couple of hundred so they go away.. I don't want to risk another ccj (I've got two that disappear in 18 months). Have I got an route to arguing away the default?

 

My aim/goal is sorting my credit file, all defaults barring TF drop off in 1 - 2.5 years. 

 

Obviously I've got MB around my neck, still hoping I can VT that away.

Edited by Carkeys
clarity
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are temple finance (the original creditor) aware of your current and correct address, on a small screen so ...

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

Yes, they are. I've only recently updated it properly though. They actually had my ex-wife's address as they couldn't trace me (I moved several times in a short space of time, they say its because we had a joint account). I guess the default would have been sent there. 

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well until/unless anyone sends a letter of claim, pers i'd stop payments and ignore them all.

 

as for moneybarn, lets see ..

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

Actually had a call from MB this morning... 

 

There are no arrears on the account. They stated as they have terminated the contract I have three options.

Voluntary Surrender ... nope 

Full settlement ... £4475.32 (Which I dont have)

A consent order .. which they will charge £408 for the pleasure of.

 

I asked to VT they said no. I repeated the fact that the termination letter was the first contact I'd had etc etc. I have raised a compliant with MB, they sent me a letter last week saying as 56 days had passed I could contact FOS, should I?

 

Any advice would be great. 

 

I cant edit above but there are £71.29 of arrears on the account. 

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you really should not be conversing on the phone 

writing only.

 

send moneybarn and sar the off to the FOS

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

post hidden.

please read the red text at the top of the sar.

and don't post docx file in the open forum as they contain all you pers info in file info/properties.

 

there is no need to adapt the SAR other than adding addresses and A/C details.

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

Red text?

 

Apologies about the doc posted. Know for the future.

 

I'll get posted today. It is worth sending on email too?

 

They are supposed to be calling me Monday with regards to the options given. Should I just tell them I'm waiting on a SAR request before I make a decision? (If they even call that is).

Edited by Carkeys
Ignore, I just found your example letter. I used the ICO template. I'll post up a pdf. Thanks
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when they call monday simply state you are no long prepared discuss the situation over the phone and want everything in writing from now on only

put the phone down.

 

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

  • 3 months later...

open

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Not your problem make them prove you were ever given one 

 

Well done, they always give in at the end 

 

Glad to support and help you.

 

Please consider a small donation to keep us here 

 

Ps on the charges front.. don't ever get had by any charges when you VT,. 99% are solely bogus try it on's..  refuse to pay any they try and levy!!.

 

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

  • 2 months later...
  • dx100uk changed the title to Moneybarn - Terminated Contract - won't allow VT. **WON Got VT no charges**
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