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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Thank you Dx

Its possible I overlooked these statements sorry, that was not intentional.

They were changing branches at the time its possible this amount £8864.84 and narrated 'cheque' was given to one of the branches, another company maybe! seeing they were changing company names!

 

I am missing the other pages of the statements. Very Crucial because I am landed with a £15 000 amount being an opening balance! how did it come to be ?? From £8864.84 to £15 000.  I have requested for these statements from £8864.84 getting to £15 000  and they answered that they don't have them. The difference between £8864.84 - £15 000 = £6135.16  The missing statements have the answer for this amount. I don't believe that I generated fees and charges for more than £6000 between April 2006 to August 2006!  

 

Also in their statements WF/CF there is no amount of £8864.84 + 15000= £16 374.84

I don't know how to add these amounts anymore.

 

Please help Dx

I look forward to your letter,

Thank you.

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im not sure you are even now grasping what i am doing or asking.

 

the £8864.84 settlement cheque is NOTHING to do with the refinance agreement 2006-08-28.

 

there is something very funny about linking between the 2 loans, welcome statements portray the 1st loan was settled by that £8864.84 in april 2006

loan 2 was not taken out till 2006-08-28....i think they are trying to say you settled 1st loan by that cheque.

 

within the sar there is a account or comms log,

its where they type their notes on actions taken manually by operators during its course>

 

do you have this?

 

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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that tells me YOU settled the 1st loan by a cheque following some kind of remortage deal done by you externally and used that to settle with welcome finance.

 

so.... time to bring out the braincells and come clean.

 

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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not me  - the evidence presented...that is all anyone will go on.

 

welcome staff performed all kinds of wonderful tricks to get their commission, don't ever forget that, they were solely their for their own gain.

 

as it stands, the evidence shows that the old 2005 loan was settled by a cheque for +£8k 4mts before you took out a new loan, but the new loan shows migrated sums carried over from the previous loan...go figure that out......i cant.

 

i've never seen a welcome comms log of one page, they typically run to +25 pages going by previous uploads to date.

 

we need to construct a case and spreadsheet that positively portrays you owe nothing.

information is being hidden or not sent.

 

that scan of the 2nd loan is very double sided with bad bleed thru.

anything you can do?

 

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

the later dated loan...

not sure what you mean by starts with £15k being a migration??

 

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

Here is their letter showing that they don't have copies.

 

Also here is the £15 000 and narrated migration.

 

Is there anything else you would like me to provide or we are ready to do the spreadsheet?

 

all known welcome statements.pdf Emails to-from coast.pdf

Edited by dx100uk
updated pdfs
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which say nothing to confirm that the later loan WAS a refinance of any outstanding earlier loan.

only that migration of 'somethings' happened, 

and as the word migration appears infront of:

 

Loan Advance

PPI

Life Ins

Acceptance fee

happened.

 

 

now we could speculate that back in april 'someone' ...more to follow wait..phonecall.

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

to whom and where?

 

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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sorry has this been ordered by a court then?

 

who is making this deadline?

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

thats not what i was saying, but we must try and nail down how the 1st loan was paid off 4mts before the second loan was even taken out. now we know what welcome are capable but it we could prove it...bye bye debt bye bye charge??

 

 

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

Yes yes that's true. They are capable of anything.

 

I posted the evidence(Target' letter just a few posts up on here) that they don't have the copies of how the first loan ended and the second begun.

Oh I am going in circles now.

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ill try and study things and workout how this all fits together but as there is no record of where this +£8k came from nor where it went on the statements other that our guesswork its an interesting story. but say to say i'm SURE the 2 loans ARE linked at thats the reason.

else how did loan one get paid off?? you didnt do it...:pound:

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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need a better copy please..

 

without page 2 bleedthru on scan,.

 

2006-08-28 Loan Agreement £226.34PCMx300mts £67902 .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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Share on other sites

Hi Dx

I am glad you are having a look at this one.

Its not my scan but their copy bleedthru

infact the second/third pages overlap and are upside down???

The whole form in itself is ?? completed on top of another form??

Loan Agreement - 15000.pdf

 

The copy is from the SAR

 

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