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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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Old Student Loans - Erudio using Capquest/Resolvecall, Statute Barred?


RobinB4nk
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Hi Consumer Action Group.

 

Looking for some advice regarding my wifes old student loans. She took out three student loans in 1996/97/98. she has never earned the threshold for repayment. she deferred her repayments for a few years maybe till 2005ish, then she stopped. There has certainly been no contact from her in the last ten years for certain.

 

She continues to get 'notice of sums in arrears' which go to her mothers house where she lived as a student. All was quiet until the beginning of this year when she had a letter from capquest saying they were instructing Resolvecall. Sure enough Resolvecall wrote saying we're sending someone 'to make a personal visit to your home', which they did and we're told she no longer lives there. Three months later another threat letter from Resolvecall about a 'personal visit', that was 5 months ago.

 

I think it time to try and nip this up once and for all. My feeling is to send a SB letter but I'm just so confused of the new rules regarding 'cause of action', I have no idea if she has ever been defaulted.

 

So is SB letter way to go? who do i send it to? and when does the 6yrs run from with regard 'cause of action'?

 

sry for the long post and look forward to hearing your wisdom!

 

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Yes send erudio our sb letter from the debt collection sec of our library.

 

100's of like threads here to read

 

They pull this stunt all the time, oh it matured in 2016 and we defaulted you so can't be SB. Utter twaddle!!

 

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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thx Dx, I'll get that off pronto.

 

So, would i be right in thinking that due to the length of time that's passed, it would be unbelievable that either a default wasn't issued or indeed should have been?

Edited by RobinB4nk
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I bet they have and drydens will write claiming its not sb trying to mug you.

 

Read up here.

 

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 months later...

Update on this,

 

Sent a SB letter on 12/10/22 and have collected mail from in-laws and we have a letter from Arrow dated 05/11/22 stating:

 

'... we can confirm that this account has been closed, as a result of being statute barred. Please note: you will not be pursued for the remaining balance on the account.'

 

On 27/12/22, we get the standard 'notice of sums in arrears' from Eruido. Crossover?

 

So has this now gone? or can we expect more hassle in the future? Also there were 3 loans with different account numbers, but on the letter from Arrow it only refers to one account with their single reference number.

 

look forward to hearing our thoughts.

 

many thanks

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well if the last in the chain is the one you ref'd on your SB letter then all the ones before that will be too.

 

pers i'd ignore them for now.

 

but the ref numbers they and you are using on letters is the key here.

 

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

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