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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
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1st one not sure what those are

 

2nd one is ok

BUT

 

i think you'll find the ones in the hundreds is simple reversal of your bounced previous payment, not a fee.

look at the balance tally column.

if the balance doesnt go up by a fee its not a fee. its a failed payment reversal.

 

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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light bulb moment here

 

you went back to welcome and refinanced

 

you've put 2 agreements up.

Loan Agreement 28-05-06 £67902 .pdf loan agreement 12-08-05 £26043.60.pdf

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 dx

Please see attached statement.

You already have the rest of the statements.

See the statement says £15k is MAV (Migrated Loan Advance) ...Its a long time ago but I don't remember asking for that amount of £15k

 

I am missing statements that lead up to the £15k Shall I ask Ombudsman to request them or shall I go direct to Target Servicing Limited? 

 

You can see from the agreement that the amounts entered on the upside down forms and are hazy looking. Its my signature alright, taken from where? don't have a clue! They must have called me in to sign something.

 

£7510 yes, I remember. Now where has this amount gone? Its probably joined to make up £15k

 

The figures of £26043.60 and 67902 are confusing me now.. I don't see them anywhere in the agreement forms! When I uploaded the files, they showed up these amounts. Please help dx.

 

statements.pdf

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To me this looks like you are a typical welcome customer, you got an initial loan, got into difficulties, told/phoned welcome and as with many you found out years down the line a member of the welcome staff filled out a refinance form and fakes your sig.

 

There are 100's of like stories here.

 

If you did, then the ppi reclaim is far more complex and a fae greater sun, most def more than what you owe now.

 

Cant hurt to send target an sar, specifically mention the two agreement numbers you have.

 

do it by email and inc a ctax bill copy too for id.

 

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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1 hour ago, PapayoohZoom said:

The figures of £26043.60 and 67902 are confusing me now.

 

thats the actual cost of each of those agreement

monthly payment X months of 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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Share on other sites

Light bulbs moments indeed.!!

Thank you so much dx

I am going to do just that, first thing tomorrow..

Write to them and highlight the two agreements nos. on(SAR)

I will keep you posted.

 

Thank you also about making sense of the above figures. The figures of £26043.60 and 67902

.

All the best

pzoom

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  • 2 weeks later...

Hi dx

Please see Target's reply.

  • They are saying that they took over from Welcome part of the debt which is from 2006 and not info from 2005.(the same debt)
  • Is that possible? to take over part of the debt. I didn't think so.
  • They are confusing me now as it is the same debt but using different account numbers as the debt MIGRATED.

    The balance of £15 000 is a MIGRATED LOAN ADVANCE.

    But I am confused because its the same debt which was transferred from 2005 to 2006. AS MIGRATED LOAN ADVANCE.

  • They admit that they cannot find the missing pages.
  • According to Consumer Credit Act 77 I believe that if the creditor has not got enough information the creditor is not entitled to enforce the agreement.

I stand correction.

How must I reply to them dx please help?

 

 

 

 

 

Emails.pdf

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bottom line is you need the info

you need all the statement from the 1st loan

and all the statements from the 2nd line.

 

dont get hoodwinked the FSCS are anything to do with this.

they are not

PPU reclaiming got stopped in a think 2019

but your game is to prove the balance is 99% penalty fees and all their various insurances inc MIP.

 

that way you can go in and make a very low F&F to get the charge removed.

 

there is nothing better than reading the cruz thread some more.

 

not sure on their present situation but i bet its stlll not paid because of all the fakery welcome did on forging refinance loan agreements.

 

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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  • 3 weeks later...

Hi dx

I am reading Cruz' thread at the moment still on page 8. I am a slow reader.

 

By the way what is F&F so that I can make a start working on it.

 

Were you happy with the figures I provided? If not could you please correct them for me so that I can pass them to Target.

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Full & Final.

 

what figures? you cant pass anything to target without the full facts of how much of the phantom debt is welcomes insurances/charges you dont ever owe.

you cant hope to ever resolve this properly without every statement and a solid case

 

 

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 dx

I sent the figures over to you on the 24th of June

 

Exactly,.,,, that is what I would like to do. Just like Cruz.

 

I would like to bring forth my strong reasons to this case with figures attached.

 

Please have a look at  the figures and direct me how to move forward.

I would be grateful if you would work out the figures to look the same as Cruz ie showing the ppi, life cover, charges, etc. I don't owe.

 

Thank you for F&F meaning.

 

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On the 12/08/2005 you took out a 10yr secured cash loan for £7510.00 
                            PPI+1st person lifecare (£175)                           £2068.63
                             Acceptance fee                                                       £235.00 (flat no int)    
                             Mortgage Indemnity Fee                                       £826.10 (flat no Int)
                                                                                           Total      £10,639.73


Int Rate 27.90%
int charged £15,403.82
loan duration 10yrs
total to repay £217.03x120=£26,043

 

On 25/08/2006 you refinanced and took out 25yr secured cash loan for £15,000.00    
                                                                                 PPI+lifecare 24                       £2436.39
                                                                                Acceptance fee                          £235.00                       
                                                                                                                      total  £17,436.39

int rate 16.30%
Int Charged £50,230.78
total to repay 300x£226.34=£67,902

..........................

 

 

the statements for loan 2 show they carried over from loan 1:
Cash £15,000
PPI £2,256.39
1st person life £180
Acceptance fee £235

acceptance fees cant have int added to them.

 

 

you now have 
2 life policies running each having monthly int added too them.
2 PPI policies running each having monthly int added too them.

 

enough for now 
you got had 


a £7510 loan in 2005 turned into a £67,902 secured debt.

statements.pdf

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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but what ive said no nothing new and has been obvious information from the threads start .

 

dont go firing of anything to anyone till you have all the info.

im 24/7 daylight hours sheep herding 

 

 

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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No it doesn't

I said wait.

Ive not finished.

 

How do you justify removing the charge, as i doubt you understand the true implications of what i posted above as you haven't so far.

 

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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  • 2 weeks later...

click donate

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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:yo: many thanks for your support  PapayoohZoom

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It's not a letter it's the spreadsheets filed out properly for both loans. 

 

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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