Jump to content


  • Tweets

  • Posts

    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Bank Parking ANPR PCN PAPLOC Now Claimform - wrong reg - Appeal failed - Belvedere Street Car Park, Mansfield, Nottinghamshire, NG18 1JJ


Recommended Posts

No proof that vehicle registration was entered into parking meter and the paid for ticket was not kept, however my grandson put the registration in as his dad could not do it, my grandson also helped an elderly lady who was struggling to do it too for extra

Paid for parking for 2 hour entered 12.49 left at 14.19 so plenty of time on the ticket.

Bank Parking have said the fee was not paid.

Appealed to them but they said their decision stands so sent an appeal to IAS today, 20 minutes later got a response and Banks response is below.

However the registration they state in their evidence is incorrect our vehicle is not a Silver Ford ours is a Red Renault. However on the PCN sent the vehicle registration is correct. 

Advice would be appreciated please,  we are offered two choices  to respond  to Bank Parking or to send it straight to Arbitration.

I would add that no one has asked who the driver was, it wasn't the registered keeper.

On the day in question, the driver entered the **********car park and remained on private land otherwise than in accordance with the terms and conditions of entry. The vehicle, ***** was captured entering at 12:49 and exiting the facility at 14:19, through ANPR camera capture stills, for a complete duration of stay of 1 hour and 29 minutes.

One of the terms and conditions is to ensure that a valid pay and display ticket or electronic parking session is purchased from the payment methods employed on site. The payment data on site corroborate motorist purchases with vehicle entries to determine whether a valid payment has been made. If a valid payment has not been made for the vehicle that entered onto site, a PCN is issued.

The ticketing data for the day has been extracted and analysed. The ticketing data has been attached. We are unable to locate a valid payment made for the appellant's vehicle. There were 71 tickets obtained between the appellant's entry and exit. None of the tickets correspond to the appellant's vehicle

Link to post
Share on other sites

Who told you to appeal?

 

Wrong reg speculative invoices are shortly to be almost outlawed, they 90% already are and Bank know this.

 

But as 1000's of mugs think a private parking company can fine you...what do you expect them to do..why not try and see if this parker is a mug too, that knows no better.

 

Until/unless they ever get a letter of claim...ignore them

 

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

Check here 1st next time 

 

It's not as if you don't know about us 

 

I'm out herding sheep so can't post my links.

Go back to where you started this thread..you'll see a sticky entitled have you received a parking ticket 

 

Fill that out please and scan up to one mass pdf all letters both sides to date and you appeal 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... 

Link to post
Share on other sites

I genuinely forgot I could contact CAG, I am looking after my elderly parents who are unwell, I am struggling to remember things with stress, then today it dawned on me I could ask for advice from CAG.

 

My son fretting as it is now £100 that needs paying whereas it was £60, he is on benefits and can`t afford the increase. He is worried about debt collectors coming over this

 

I apologise as not clued up on these things I cannot find a sticky post, and unsure how to post anything up to you been looking at links but can only find court ones, my son as only received a PCN it hasn`t gone any further.

 

 

Link to post
Share on other sites

If you'd read similar threads you'd have seen that the IAS are a corrupt kangaroo court.  They will reject the appeal.  All an appeal will have done is to out the driver and do the fleecers' work for them.

 

Reading other threads would show that debt collectors can do absolutely nothing as it's not their debt.

 

I'm on holiday and would rather be relaxing for once.

 

Let's try to turn the disaster so far into a victory.

 

1.  Can we please have the person directly concerned dealing with the thread please, not intermediaries..

 

2.  Can he please give us as much information as possible by filling in the sticky    https://www.consumeractiongroup.co.uk/topic/391121-have-you-received-a-parking-ticket/

 

3.  Can he tell us how he paid.

 

4.  As dx says, copies of all the correspondence please.

 

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

Link to post
Share on other sites

If has paid and has proof of payment as in a transaction ID on a statement also their description mis identifying the colour and make of car will do them no favours, do as FTMDave suggests, and ignore them.

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

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!

Link to post
Share on other sites

1 Date of the infringement 29-04-2022

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 06-05-2022

3 Date received Not Sure
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N
 

5 Is there any photographic evidence of the event? Yes
 

6 Have you appealed? [Y/N?] post up your appeal] Yes
 

Have you had a response? [Y/N?] post it up Yes
 

7 Who is the parking company? Bank Park Management Ltd

 

8. Where exactly [carpark name and town] Belvedere Street (Mansfield)
 

For either option, does it say which appeals body they operate under.

IAS

 

i genuinely forgot I could contact CAG, I am looking after my elderly parents who are unwell, I am struggling to remember things with stress, then today it dawned on me I could ask for advice from CAG.

 

My son fretting as it is now £100 that needs paying whereas it was £60, he is on benefits and can`t afford the increase. He is worried about debt collectors coming over this

 

 

docs1 .pdf

Link to post
Share on other sites

  • dx100uk changed the title to Bank Parking ANPR PCN - wrong reg - Appeal failed - Belvedere Street (Mansfield)

Thank you for sending the files.

 

The appeal of course was a waste of time but well done for not outing the driver.

 

On 07/06/2022 at 19:42, FTMDave said:

3.  Can he tell us how he paid.

On 07/06/2022 at 20:55, brassnecked said:

If has paid and has proof of payment as in a transaction ID on a statement

Can you please answer this question?  It could be his all clear.

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

Link to post
Share on other sites

If by phone or app should be a record somewhere that tracks back to dateand amount paid at the bank.

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

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!

Link to post
Share on other sites

Good news Laura. The PCN does not comply with the Act which means that Bank cannot transfer the alleged debt to you the keeper  and demand the keeper pays it as would have happened if the PCN was compliant.

The situation now is that they do not know who was driving so they cannot pursue the driver and you cannot be pursued as Bank has messed up by failing to comply with the Protection of Freedoms Act 2012.

 

So carry on with your life as they can do absolutely nothing to reclaim their alleged debt. You don't owe and they do not know who the driver is nor where they live. Completely relax and ignore all the letters from debt collectors-they can do nothing to get you to pay. And tell your son to forget about paying too-he doesn't have to either.

 

There are two fails by Bank on your PCN.

The first one is the period of parking. They have used the time your car entered and left the park from their camera. But that is not the same as the parking period since they have included the time taken to find a parking spot and leaving the car park  as if the car was parked when it obviously could not have been parked as it was being driven.

 

The second reason is that the Act specifies that some of the wording MUST be the same as in the Act-and it doesn't.

Schedule 4 section 9 [2][f] says "

(f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given—

(i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and

(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;

 

If you look at your PCN  the bit in brackets in yours is missing. It may be nit picking but that is the Law. In any event they didn't comply with the Act since they got the parking period wrong.

Link to post
Share on other sites

These people don't send door knocker's they send more threatograms escalating the imaginary debt by sums that would get them laughed out of court if they tried to apply them to suing a keeper.

 

If they do send a Letter OF Claim come back here and the team will help you deal with it, but they are on quicksand with any 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

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!

Link to post
Share on other sites

  • 3 weeks later...

Dear xxxxxxxx

The Independent Appeals Service (IAS) has received a decision from the Independent Adjudicator regarding your recent appeal for the below PCN.

Parking Charge Number (PCN): xxxxxxx
Vehicle Registration: xxxxxxxx
Date Issued: 29/04/2022

Appeal Outcome: Dismissed

The Adjudicators comments are as follows:
 

The Appellant should understand that the Adjudicator is not in a position to give legal advice to either of the parties but they are entitled to seek their own independent legal advice.
 
The Adjudicator's role is to consider whether or not the parking charge has a basis in law and was properly issued in the circumstances of each individual case.
 
In all Appeals the Adjudicator is bound by the relevant law applicable at the time and is only able to consider legal challenges and not factual mistakes nor extenuating or mitigating circumstances.
 
Throughout this appeal the Operator has had the opportunity consider all points raised and could have conceded the appeal at any stage.
 
The Adjudicator who deals with this Appeal is legally qualified and each case is dealt with according to their understanding of the law as it applies and the legal principles involved.
 
A decision by an Adjudicator is not legally binding on an Appellant who is entitled to seek their own legal advice if they so wish.

The Operator has provided evidence of the signs at the site, which make it clear any driver parking without paying for the duration, with a full accurate registration, will be issued with the parking charge notice.

The Appellant claims that they paid for parking but fails to provide evidence to support the claims. As explained above, at this stage, the onus is on the Appellant to satisfy me the charge is unlawful. In the absence of any evidence I am not satisfied.

The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again.

If they have paid for the incorrect registration they have my sympathy, but the guidance to the appeal is clear that I may only consider legal issues not extenuating circumstances. The Operator has this discretion, but they are unlikely to exercise it in the Appellant's favour, in the absence of evidence to support the claim.

The Operator has provided photographic evidence of the Appellant's vehicle leaving the land they manage, ninety minutes after it arrived and without a payment for this vehicle. The appeal is dismissed."

As your appeal has been dismissed, the Independent Adjudicator has found, upon the evidence provided, that the parking charge was lawfully incurred.

As this appeal has not been resolved in your favour, the IAS is unable to intervene further in this matter.
 
You should contact the operator within 14 days to make payment of the charge. 

Should you continue to contest the charge then you should consider obtaining independent legal advice.

Yours Sincerely,
The Independent Appeals Service
Link to post
Share on other sites

Why on earth did you/son/grandson appeal to the IAS? 

 

Read any other IPC thread and you learn immediately that you're dealing with a kangaroo court.  The IPC is a biased breakaway parking association.  It, its appeals body the IAS plus the firm of solicitors Gladstones most associated with this industry ... are all run by the same people!  No conflict of interest there!  Obviously the appeal was rejected.

On 07/06/2022 at 20:42, FTMDave said:

1.  Can we please have the person directly concerned dealing with the thread please, not intermediaries.

Normally people who can't be bothered to deal with their own cases are extremely annoying to the regulars as going through intermediaries takes twice as long and twice as much effort. However, you mention your son has a carer.  Is there  a real reason why you are dealing with this case instead of the person legally directly involved?

  • I agree 2

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

Link to post
Share on other sites

:frusty::noidea::crazy:

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

My son has severe learning difficulties he is illiterate, thought I would just post what as been received. I did explain in my previous posts, that I panicked when son got the letter and appealed to IAS has I had genuinely forgot I could turn to CAG. I am looking after my parents, and my son and my autistic nephew after his parents died so I am under a lot of strain, I easily forget things.

 

Sorry to say I am not aware of the protocols of what I should have done. But my son is the registered keeper and I have  not mentioned who the driver was.

Link to post
Share on other sites

thats ok you should have ample evidence if you do need to rep him in any court stuff.

just remember the golden rule

 

ALWAYS check with us before you do anything.

 

let's move this fwd.

 

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

Thank you for the support, I really appreciate it and yes I will not make the same mistake again, I still cannot get over the fact I completely forgot I could turn to CAG, I think I have so much stress I sometimes do not know what I should be doing

Link to post
Share on other sites

26 minutes ago, Laura Cooke said:

But my son is the registered keeper and I have  not mentioned who the driver was.

Superb, well done.

 

27 minutes ago, Laura Cooke said:

My son has severe learning difficulties he is illiterate

OK, understood. 

 

Apologies if I was brusque in my previous post.  We get people here who take advantage of the site and are simply bone idle - I realise that is not your son's case.

 

Forget about all this appeals nonsense now.  Ii was never going to work.

 

And don't worry about people banging on his/your door.  Bailiffs are employed to pursue people who defy court judgements.  So the only way you could get a bailiff is if

   - the fleecers sent a Letter of Claim

   - there was a court case

   - your son lost

   - he then defied the court and still refused to pay.

None of this has happened so he can forget about daft threats from paper tigers.

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

Link to post
Share on other sites

28 minutes ago, Laura Cooke said:

I think I have so much stress I sometimes do not know what I should be doing

 

hey we've all been there ....which is why we help on CAG.  to dispel the utter lies and falsehoods the whole 'debt' industry instils in people.

 

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

Above all don't worry, take each step at a time, there will be various threatOgrams from legal departments or gimcrack solicitors like Gladstones, the second worse solicitor's in the business with a propensity to lose money foir their fleecing clients, BW legal, and DCBL which will use its link to Can't Pay as a sort of subliminal coercion.  None have any legal standing as don't the escalating fees they add with each letter.  the Keeper cannot be held to more than the original Invoice even in court.

 

Just keep us updated with the letter trail from them as they arrive.

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

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!

Link to post
Share on other sites

Thanks for understanding my position and I well understand you having to be firm, I really appreciate any help hence why I updated CAG yesterday with the email I had received, will of course keep updating you should I hear anything

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   1 Cagger


  • Have we helped you ...?


×
×
  • Create New...