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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Excel ANPR PCN - 58mins stay wrong reg? - no ticket - Three Spires Short Stay, Lichfield, WS13 6JF


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post it up please 

 

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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We need to see if you have made things better or worse,  Excel/ VCS are slippery chancer's

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 4 weeks later...

And it goes on…

 

last week I received a letter from A company called Elms Legal.   I’m not sure if this is an independent debit recovery company.  Or it’s Excel Parking Services also trading alongside this company putting pressure on me. 
 

Either way I think this will end up CC.

 

I’ve written to my MP, my local council feel like I’m waiting like a sitting duck. 
 

 

Edited by LovelyN
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Solicitors for simple Simon at vcs/excel.

Were they not the one that sent that letter of claim??

 

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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so you probably just got a letter now saying notice of acting then?

 

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 guess thats true..
 

I received another letter yesterday from Elms Legal, however I’m not brave enough to open it yet, due to my health etc etc

 

It will be looked at after the weekend when I can seek well-being support.  
 

I have no idea what the time scale will be before the CC papers turn up on my doorstep.  
 

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Can't hurt you.

You really shouldn't be frightened at all 

 

If you go read a good few 10's of vcs or excel threads here, you'd not have this worry 

 

CAG is predominantly self help.......

 

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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Click on upload.

 

There is a simple guide which will get you there.

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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Elms may have written to you about your letter to them. It is nothing to worry about. Elms are acting on behalf of Excel who combined  have the brains of a budgerigar.  They cannot transfer the alleged debt  from the driver to you the keeper because they sent it too late. 

 

As you were not the driver, you paid when you didn't have to  and Excel are incapable of maintaining proper records they shouldn't really be taking you to Court.

 

Soon you should receive their Witness Statement from them so please post it up and we'll see if we can blow them out of the water. Can you put your camera a bit closer to the document as I could not read much of your PCN that you posted even after increasing the magnification.

 

By the way, your friends who did your appeal did a good job by not revealing the name of the drive so there is all to play for. It should be an easy win for you. .

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32 minutes ago, LovelyN said:

When I take a photo it doesn’t the thread/doesn’t allow me to add the file!  

I’ll have attempt tomorrow 

pdf only please bothsides of all letters in/out

read our upload guide 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... 

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Hi Peeps,  So i have opened the letter today from Elms I have until 28/2/22  to pay.  As i expected!

 

The letter states that legal proceedings will start from this date if i do not pay.  It also gives me an option to pay installments. I have tried to convert the letter to upload to the system.  However i can not work how to do this on my iphone.  Even with the instructions & explanation kindly supplied.

Edited by LovelyN
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Oh well

Ignore it then.

Willy waving thats all

 

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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If you lose its about £257 ish. Its small claims they cant just add what they like, 

 

If if if they ever go that far and you mess up.

 

We dont often lose against simple simon and your is not an airport byelaws case, where most of those loses have happened,

 

yours is a simple wrong reg issue which the govt guidelines published today on speculative invoices make it not a very serious issue that should be resolved without court and never should have been issued in the 1st place

 

There are no wrong reg court cases here to date to my knowledge.

 

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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They're saying I put in the wrong Reg, I dispute that.  

In my research I have found a local person on FB said she had issue with the machine. 


Dx I constantly mess things up for myself.

 If only you knew!

You could write a film about my life… lol.  

 

Reason why I’m so worried about going to CC
I can’t even afford to put my heating on in my house so £257 is a massive deal to me 😞

It pays for treatment that I can get on the national health 

Edited by dx100uk
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48 minutes ago, LovelyN said:

And Dx I can’t even afford to put my heating on in my house so £257 is a massive deal to me 😞

Right, so we need to make sure you win a court case then (if it does go to court).

 

In your appeal you were clever enough to not let on who the driver was, and you know VCS have totally messed up with keeper liability.

 

So, for the nth time, we need to know if you kept this advantage - what did you write to VCS in response to their Letter of Claim?

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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