Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Big Motoring World/BMW PCP Finance/Warranties 2000 - Range rover Evoque timing chain fail at 76k


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 187 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I think you have gone as far as you are going to get with the FOS
I would accept the decision and get the car inspected by such as the RAC/AA after it is repaired before accepting the repair 
Meanwhile carefully work out all the financial implications of purchasing and then selling the vehicle on to see if that works for you 
Car buying websites will give you a pretty good idea as to what you are going to be able to achieve price wise

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • 3 weeks later...
On 23/06/2023 at 18:42, theoldrouge said:

I would accept the decision and get the car inspected by such as the RAC/AA after it is repaired before accepting the repair 

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

  • 5 weeks later...

Hello,

Further to the last correspondence, 4 weeks has now surpassed since agreeing to the conditions set via FOS.  I've hear nothing from the finance company, therefore, returned back to FOS to make them aware. 

Here is the response that I have receive!  

Dear Ms 

 
I'm sorry to hear that you've not heard from Creation yet.
I've just written to them asking them to contact you directly.
It is worth noting that our service is unable to enforce a business to comply with the ombudsman's decision.
But it does mean that you're able to enforce the decision through the court system.
 
I'm not able to give advice on how to proceed with this, but you may find it helpful to speak to an independent organisation such as Citizen's Advice on how to move forward if Creation still don't respond to my reminder.
 
Kind regards
 

To be honest I am extremally worried to say the least, because if the finance company is not bound to comply with the argument set by FOS, then this leaves me still swing in the air waiting for my settlement. 

It also muddies the water when it comes down to the ending of the agreement, which will be early October 2023. 

Saying that, I thought the finance company was supposed to contact me 2 months before the agreement ends, to check whether I want to purchase the vehicle (balloon payment) or return it at the end of the contract.

It's all just a mess, and I'm finding it difficult to ascertain mentally, especially as it looks as though I may need to settle down the court route.

HELP!

Link to post
Share on other sites

several have done it . N233 i think?

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

N322A but see what happens from the letter first 
Probably due to incompetence on Creations part

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • 3 weeks later...

Morning,

 

 As an update to this post, I was contacted via email on Friday 18th August by a FOS Relations and RCA Officer from Creation.

Despite receiving the email on August 18th, I have yet to get any type of response from the dealership. At first, I had thought of maintaining the car after the repair was complete, however, after visiting the garage to collect my things and assess the vehicle's state, coupled with a productive discussion with the owner, I have made the decision to leave it in the finance company.

 My opinion is that their lack of communication, along with their approach of using delay tactics, has been done intentionally. Do I really think it would be wise to have them fix the car if I am not intending on keeping it? Probably not. Is that accurate?

End of agreement
 In approximately five weeks, my finance agreement will come to an end, despite the fact that there have been long-standing issues with the vehicle's engine. Still, I should have been contacted by the finance company to determine if I wanted to retain the car or return it to them once the period was over. Despite none of the aforementioned occurring yet, would you be so kind as to point me in the right direction with regards to an appropriate letter template to affirm the conclusion of the agreement? I am endeavoring to return the car and also cancel the Direct Debit without having to make a final balloon payment, oh and also request the FOS  ruling to be actioned with immediate effect or I will proceed to court.

 

Letter received from Section 75

I am writing to confirm we have received the acceptance of the Finance Ombudsman Service ruling.  This has been passed to the dealership on 11th August 2023, they will be in contact with you in due course to make arrangement for the necessary repair to be carried out.  Once this has been action the remainder of the ruling will be actioned.

 

Should you need any further assistance in the meantime please do not hesitate to contact me.

Link to post
Share on other sites

tbh I found your last post rather confusing 


What is this letter received from section 75?
It would seem that they are going to comply with the fos ruling?


So if they fix the car and then you end the agreement there will be no argument over condition etc at the end of the agreement 


so nothing to gain/lose by having it put back in roadworthy condition at their expense


They will have to contact you re the end of the agreement, personally I wouldn’t complicate matters


Please reiterate again to save wading through the thread the financial details the fos have told them to expedite 

  • Like 1

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

yes me too!

gave up after the 4th reading.

dx

  • Haha 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... 

Link to post
Share on other sites

Apologies, I was trying to get everything in at once.

 

Letter received from Section 75 

I am writing to confirm we have received the acceptance of the Finance Ombudsman Service ruling.  This has been passed to the dealership on 11th August 2023, they will be in contact with you in due course to make arrangement for the necessary repair to be carried out.  Once this has been action the remainder of the ruling will be actioned.

 

End of agreement

 In approximately five weeks, my finance agreement will come to an end, despite the fact that there have been long-standing issues with the vehicle's engine. Still, I should have been contacted by the finance company to determine if I wanted to retain the car or return it to them once the period was over. Despite none of the aforementioned occurring yet, would you be so kind as to point me in the right direction with regards to an appropriate letter template to affirm the conclusion of the agreement? I am endeavoring to return the car and also cancel the Direct Debit without having to make a final balloon payment, oh and also request the FOS ruling to be actioned with immediate effect or I will proceed to court.

 

 

Link to post
Share on other sites

might it be better to scan these letters up than keep typing them out?

 

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

Nope clear as mud I’m afraid 
As dx says scan the letters up
AND set out in detail the Financial aspects of the FOS ruling as requested 
IMO what you are dealing with is gross incompetence on the part of Creation (rather like Moneybarn)
They should in theory set out and explain your options at the end of the agreement and may well yet do so
But let’s get to the actual facts and when we can actually understand what is happening, we can then advise on a letter to send if necessary (no template will cover your particular case)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Noted the above, but please note that it was an email that I had received. no letter.  I literally just copied the message which is above, headed under: Letter received from Section 75 . I have attached a screenshot 

 

In regard to the end of agreement arrangement, I do agree with @theoldrouge   that creation should in theory set out and explain my options prior to the end of the agreement and may well yet do so.  Funnily enough I had to speak with them last week and the remaining payments. 

I have left a payment in September, then in October will be the balloon payment. 

The agent advised that I should call the dealership to inform them that I would not be taking the car at the end o the agreement.  But initially I wanted some sort of letter template to send off to both creation and the dealership and also cancel my direct debit

I do not want to give them the opportunity to say that I have been in breach of contract for whatever reasons therefore I am liable to pay the balloon payment...look I don't know. 

Never taken out car finance before and sure won't after this experience. 

I just want to know what to do, without any repercussions on myself.

Apologies if this has been confusing.  

Untitled presentation.pdf

 

Fos ruling:

Creation should compensate her for this. So, Creation should: 
  1. Arrange for the failed timing chain to be repaired, at no cost to Ms ; 
  2. Refund the payments Ms has made from February 2022 until when the repaired car is returned to her, to compensate her for the period she didn’t have use of the car; 
  3. Reimburse the £950 Ms paid for the second independent engineer’s report;
  4. Reimburse Ms  with the costs of insuring the second car, from its purchase in March 2022 until the repaired car is returned to her; 
  5. Apply 8% simple yearly interest on the refunds, calculated from the date Ms  made the payment to the date of the refund † ; 
  6. Remove any adverse entries relating to the above payments being refunded on Ms  credit file; and 
  7. Pay Ms  an additional £300 to compensate her for the trouble and inconvenience caused by being supplied with a car that wasn’t of a satisfactory quality.

 

?

 

Link to post
Share on other sites

Away this week little internet access 
More next week 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

OK so write to the dealership informing them that you will not be paying the balloon payment (not sure where the car is atm)
As ordered by the FOS as the necessary repair has not been carried out, the collection/return and condition of the vehicle is a matter between themselves and Creation 
Send a copy to Creation along with a separate letter listing and totalling the payments plus the interest at 8% giving them 14 days in which to pay in full otherwise you will be issuing Court Proceedings in order to enforce the decision of the FOS
This Will have further cost and regulatory implications for themselves should they fail to pay 
(you really want to avoid court proceedings if at all possible as some DJs do not even realise they have the power to make such an order and it can get hideously complicated)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Just to add when you have made the final payment don’t forget to cancel your direct debit just in case they try and take the balloon payment 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • 3 weeks later...

@theoldrouge

Thank you

Just to let you know that I have informed Creation and the dealer.

The final payment should be taken on Monday, then I will cancel the direct debit.   Although I have informed Creations on many occasions about the balloon payment, and I will cancel the direct debit, can they still try to take the payment?  If they were to do this, it would mean a bounced DD and non payment.  Would they then make a note on my credit file?

I'm so concerned about their actions as Creation have been really callous. They were never going to fix the car not issue any monies back.

 

I have the log book and service history in my possession, should I now change the owner on the V5 to creation finance? or leave it as is?

Many thanks

 

 

 

Link to post
Share on other sites

as far as i have always understood it, on agreements with a balloon payment, you MUST indicate, when the time comes if you are going to keep the car and pay the balloon or return the car thus negating the balloon payment. 

have you specifically written to the dealer+finance companies indicting to both you would not be keeping the car once the final payment before balloon kicks in?

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

@dx100uk  Thanks' for clarifying.

 

As per the advise given by @theoldrouge  I sent  emails to Section 75 within both companies (dealership/finance), I responded on the back of an email I received from Creation (section 75),  where they had advised that the dealership would be in touch to repair the vehicle. I also cc'd other email addresses within both units. 

I received an email today from Creation, informing me that they were forwarding my email to their complaints dept.

I also had to speak to the customer service dept at Creation at the beginning of Sept.  I stated then that I had no interest in keeping the car and will not be making the balloon payment.  

 

Have I followed the correct procedure?

Link to post
Share on other sites

not sure what you think section 75 is ? section 75 has noting to do with THIS POINT. 

as the last formal payment under the agreement is coming up, it gives you plenty of time to WRITE to each clearly stating you are not keeping the car and consider the agreement ended. 

that does not mean EMAIL.

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

Ok, no problem.  I'll get that letter posted on Monday.

There are so many departments within both companies, whom would I be addressing these letters to?

In the email that I sent, I did give 14 day notification to pay up or court. Should I still stand my that date?

Where would you suggest I look , to work out the 8%

Many thanks

Link to post
Share on other sites

you should not be sending a letter of claim, if that is what it was by EMAIL.

as for the 8% staint sheet

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...