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    • They will be at my friends house, I put all her paperwork in a file for her to keep safe.  They were sent direct to her in January 2023, just after the case was struck out looking at my past posts.  Guess the website went down last night? 
    • Good afternoon Stu. Many thanks for taking a look at my defence pdf and giving it the ok.   On the claim form Question 3 they ticked yes   'are you the claimant asking for an order that the defendant pay the cost of the claim?' . So it looks i can only hope the judge sympathises with my appalling treatment by the landlord and their agent.   As i previously said i was so desperate to find a place due to my previous eviction 7 months ago, i took something that i was not entirely happy with. If you look at the pics on my attached pdf, you can see masses of weeds at the front, side and rear garden, the back grass needs professional equipment to cut it, countless dead insects on many places including the kitchen window, same with the disgusting cobwebs. Regarding the garden The girl told me she would talk to the landlord but nothing was ever done, i have not touched the garden and its still in the same mess except there is lots of dead grass. I thought all agencies would get a cleaner in before a new tenant moves in but it seems the landlord was too tight to get this done. I was left with no option but me and my daughter to clean this up. Stu do you think its worth making the judge aware aware of the mess i faced when i moved into this house? pics of poor condition.pdf
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    • please create you own topic by hitting create or + in the top red banner dx  
    • Hi Lookinforinfo Thank you for your words of encouragement re the mortgage. But sadly we have no pension to fall back on, we have always been self employed and never in the position to put extra money away into pension. But we are dealing with that. We are not in arrears but trapped by a dormant lender! Anyway yes there were 2 seperate NTK, date of infringement on one was 23/4/21 for my parents and the other was 28/4/21 to my husbandm (this is the one that was discontiunued). They were both issued on 26/5/21, well after the 14 days. Please see my parents NTK questionnaire below, I have uploaded this and pictures previously on this post. But if you look at the detail, this is why I say they are more or less identical in every way. Apart from I think my parents were in there for a minute less than my husbands car.  They entered at 16.58 and exited and 17.15. I am waiting to see my parents this evening to get the court notice to allocation for her one in August 2024. Ill upload that as soon as I can Many thanks   1 Date of the infringement 23/4/21 2 Date on the NTK 26/5/2021  3 Date received 1/6/2021 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] NO - I cant see it anywhere 5 Is there any photographic evidence of the event? yes  2 x pictures, 1 entering and 1 exiting  6 Have you appealed? [Y/N?] post up your appeal] no 7 Who is the parking company? Parking Eye 8. Where exactly [carpark name and town] Kenwood House, Tunbridge Wells For either option, does it say which appeals body they operate under. BPA
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Arrows/Drydens PAPLOC - old Virgin Card Debt.


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Hello,

 

I received a letter from Drydens chasing an old debt, I believe it to be around 5 yrs old.

 

I will send the CCA request off but wanted to confirm that is what I should be doing at this stage. I have attached the letter received.

 

Thanks in advance

 

T

 

2022-07-04 Dryden re virgin money plc debt.pdf

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Are you in Scotland?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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whats the debt all about 

ever had any other letter

have you moved since taking this credit out and not informed the OC or the DCA of your new address?

 

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 in Scotland.

 

I did have a virgin card (around 2015), Had a letter from Arrows saying they are transferring it and before that had some letters from capquest. This is the 1st letter from drydens.

Have not moved.

 

Thnx

T

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When was last payment or acknowledgement

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • dx100uk changed the title to Arrows/Drydens - old Virgin Card Debt.

then its not statute barred

 

sit on your hand 

if you ever get a letter of Claim

comeback to this thread.

 

you must not ignore a letter of claim.

 

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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Hit letter of claim.

Follow post 2.

 

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 year later...

Hello,

Repoened this post as have received another letter (identical to the initail one) from dryden.

Haven't heard anything back apart from acknowledgment when I responded as advised over a year ago.

Presume I respond with same as advised in post #10.

Many thanks

 

T

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Did you establish when last payment or acknowledgement was.?

Also by what date do you have to respond. ?

If it was 2017 like you think, bank statements might help, then l think they are clutching at straws.

If it was then by the end of year the debt will be 6 yrs old and SB. 

If with the same bank see if you can find a date the last payment was. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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its not sb 

follow post 10. 

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • dx100uk changed the title to Arrows/Drydens PAPLOC - old Virgin Card Debt.

hit letter of claim

follow post 2

reason from thread: despite a previous LOC and my ReplyAnd a CCA request , the claimant has still failed to supply any documentation whatsoever.

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...

Hello

I have received a response attached. Should I register to see the documents?

I also note on the paperwork they provided asking for income my D.O.B is incorrect, not sure if this matters or not. I also ideally don't want to email them.

Any advise, pls?

Thanks

Drysden CCA Response 12.12.23 - Redact.pdf

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Write back telling them to post the documents to you. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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please dont write back

it only makes them feel important.

if they want to take this fwd they will send them or raise a speculative court claim.

it only makes you look frightened of them if you write.

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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yes rinse and repeat.

despite 2 previous LOC's and my Replies And a CCA request s, the claimant has still failed to supply me directly with any enforceable documentary proof whatsoever.

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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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