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    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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You have had notice of assignment on 2 debts ..which 2 and are they notice of assignments?

 

Scan them up to one mass pdf after redaction. .read upload 

 

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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At the OC stage it’s a matter for personal choice as to which option works best for you 

If you foresee your finances rapidity improving within a couple of years the and just need the pressures off on a temporary basis then a much reduced payment to the OC may be right 

 

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.

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With the fact I have defaults I don't think it's worth paying OC as they will likely spread out my defaults.

Guess ill wait until they are all sold on and accrue my money for any options that come up.

lIl likely change my phone number and wait.

Chase for CCA agreements before I agree to engage with anyone

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Well you wont be talking on the phone ever anyway so....

 

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

Thought I would chip in as I am further down the line with debts, not as much as your debts but at least 30k.

 

I ended up in debt with a 13k loan after my wife lost her job. I had a number of CC and Catalogues etc I could manage to pay everything apart from the 13k loan.

 

I didn't know what to do and like you I turned to Stepchange who told me I couldn't be in debt with one and just pay them a small amount I had to go in debt with everything. following their advice I stopped payment on all my CC and Catalogues ended up 30k in debt instead of just 13k and had to change my bank.

 

I found them really unhelpful, took all my income with nothing to spare as had to do the break down of everything I earned I was down for something like 10 years or more to pay it off with current earnings, I said to them it doesn't say on here holidays how am I meant to put anything away for a break and I have  a small child as well they need a break and he said to me you can't have any kind of luxury or it will look bad to the DCA's if you have any extra income because they won't be happy if you are on holiday with money that could be paid to them.

 

I paid for about a year then I found this place who suggested I ditched Stepchange and went on my own. I didn't know what to do and didn't think I could do it on my own, With the help of these guys on here I've come a long way over the last few years and learnt a lot too even though I don't always understand stuff.

 

Some debts the DCA's haven't been able to get the right information so the can't enforce the debt, one of them was the 13k loan so we have another 3 years to go and it will be 6 years then hopefully they won't get that info before.

 

As for the catalogues this eventually ended up with lowell, these are buggers and work with Overdales solicitors. I pushed these as far as I could and now having to take a £4600 debt to court at the end of September, its taken a good few years to get to this point though with things like mediation as options but didnt work for me as they didn't supply all the paper work .

 

I have a 2 hour hearing to attend so got to get all my paper work in order for that. Not that there is much to take as my defence on this one is none compliance with a section 78/CCA request I'm sure we'll come to some payment arrangement in court. Worst case a CCJ the DCA still might not enforce it.

 

Best thing you've done though is coming here and doing it on your own. You'll get plenty of advice on here and the best course of action to take

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4 hours ago, RodeMan said:

With the fact I have defaults I don't think it's worth paying OC as they will likely spread out my defaults. Guess il wait until they are all sold on and accrue my money for any options that come up. Il likely change my phone number and wait. Chase for CCA agreements before I agree to engage with anyone

If that works best for you then that is the way for you to go

Just remember that you control your money no one else 

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.

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  • 1 month later...

just a quick update. so far 3 accounts have been sold on

one Halifax to Link

MBNA to Link

BC to PRA Group

Have sent all CCA requests.

Link have so far exceeded the timeframe to respond with only one letter so far for the Halifax request stating the OC confirmed they couldnt respond within the time frame. no return of my PO.

I would assume without a copy of my original signed for copy of the agreement they shouldnt be able to enforce as they are missing my acceptance of the original agreement?

I would also expect Link to reimburse my PO as they have failed to comply with the request within the time allowed.

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new update.

Link Financial have sent me one response with what looks like an original agreement with the online tick box and date with my old address and is enforceable.

What seemed which strange on this was in one part of the agreement details the word "Stolen" from cards lost or stolen has been redacted on the page - very weird.

What would you suggest? I am happy to ignore them but would a token payment be worth my time? I seriously dont want to have to be paying these parasites a penny.

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bill of exchange? 

that sounds like freedom of the land twaddle .

dont go there!!

 

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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"I have been reading up on the Bills of exchange act 1882 - is this something with some legal force if i end up infront of a judge in future?"

oh dear stop reading dodgy websites

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.

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so you applied as got a credit card through experian with HBOS 

it looks like what link have transferred on to their headed paper is enforceable, but no real proof it came from HBOS , that could be someone elses agreement they have simple gotten out of their filing cabinet and typed you details on. as a reconstructed agreement  .

sit on your hands await a letter of claim.

as for MBNA its too blurred

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

Looked up the agreement and the dates are correct so I guess they have me on that one. What information is required within the agreement to make this enforceable? I would have thought something with my given credit limit would be required.

Il rescan the MBNA agreement, even from the original the text is way too small to read well!

I would imagine a CCJ will come for sure on the first.

should I ignore until they force my hand or shall I offer a token payment?

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as i've said before, they have to abide by the pre action protocol first and send a letter of claim.

stop panicking and get reading threads here.

thats not all they will need to provide.

dx

  • Thanks 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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  • 2 months later...
On 04/05/2022 at 12:33, dx100uk said:

how far into the car HP are you?

anywhere near 50% mark?

you can hand the car back once 50% has been paid under voluntary termination rules  and have nowt more to pay.

should be on your agreement

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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  • 9 months later...

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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  • 1 month later...

what a return home from a business trip. to a mountain of paperwork lol. and a LOC from Very, noice.

Overdales working for Lowells. I will get the the template together and a PO

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the paploc is nothing to do with very they sold the debt.

follow post 2 hit letter of claim.

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 months later...

Hi all,

Just a quick q. I am responding to a LOC from TM Legal who are acting on behalf of ACI who are on behalf of Perch.

will send off my PAPLOC and CCA request tomorrow but wanted to double check the CCA goes to Perch, not ACI?

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yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS.

all dca's pull these stunts and have done since the late 1970's

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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