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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Hoist and old Lloyds Goldfish Goldfish card DEbt - no CCA - place hold on account


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Requested cca from hoist.

Received letter saying they have asked for a copy of the agreement and that my account has been put on hold temporarily. And they will contact me when they receive documentation. 

Should I stop payments now

 

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if this is a credit card and they have failed the 12+2 working days limit for the CCA ...IMHO yes cease payments.

 

another cash cow account removed from the DCa milking parlour ...  

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’d call that a win. They may never receive documentation and finally you are allowing your statute barred clock to start ticking.

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Because I'm currently on a payment plan should I continue to make monthly payments until they say they cannot find documents and that the debt is unenforceable 

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What is the payment plan you are on ?

 

Is this with Hoist only for this one debt ?

 

Type of original debt ?

 

When was original account taken out ?

 

Before you started paying Hoist, when did you last make a payment towards this debt ?

 

 

 

We could do with some help from you.

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They have mugged you left, right and centre. Nothing to be ashamed of, you have now found the right place for genuine advice.

 

You would have been better off never paying them a penny! Do not pay them any more! 

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No chance of that.  
 

Have you changed address since you started paying this off?

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What is the actual value of the CC debt...if we knew that we could then possibly advise on what possible action may follow.

 

Andy

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But £5.5K in this instance for this topic......see how Hoist respond when you stop payment and keep this topic updated.

We could do with some help from you.

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That's a decision for you to make....until they can comply to your request...the debt is unenforceable...but there is no harm in stopping payment and see what they wish to do next.

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Be prepared for all the scary letters in red and possible texts/calls (if they have your details) threatening all on sundry ....but until you actually receive a Letter of claim...its going round in circles.

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and anyone else that fails the CCA in your main thread.

 

type in cash cow and get reading up in our enhanced google search box.

the more you read the stronger we become

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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It’s important to note also, do not get on the phone with these people. Either ignore their calls, or if they do somehow get through to you ‘Sorry, I don’t give out information over the phone, you are welcome to write to me’ Phone down.

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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  • AndyOrch changed the title to Hoist place hold on account

so an old HFC Goldfish card 

no a chance in hell of them ever getting a enforceable CCA

bye bye debt...

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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