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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "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; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • @dx100uk no, haven’t received any correspondence as of yet. Still waiting on a court date but seems to be taking forever. Have noticed an increase in unhappy customers on here
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Link/Kearns Letter of Claim - HBOS Credit Card


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Hi

 

I would appreciate some help with the following.

 

I received a Letter of Claim from Kearns Solicitors on behalf of Link Financial Outsourcing Ltd this morning, the debt is an old bank of scotland card, opened around 2014.

 

It states i have 30 days to respond or legal action will commence.

 

Any advice appreciated, the debt is close to £10k and i have no way of paying. Im on low income and have no assets.

 

Ive never made payments to it once it defaulted 4 years ago.

 

I was also made bankrupt in 2004 i thought i wont get into this mess again.

 

In total i have debts around £12k plus interest.

 

DRO's is an option, i just cant afford it with 3 young kids.

 

 

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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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provide what?

 

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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how will you know they are even real not a copy and paste of a blank one with your name typed in from the dca not the original creditor?  - you scan them up and well check'em

 

i suggest you get reading a good few threads in the debt self help forum

or use our enhanced google searchbox 

  • I agree 1

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

just put the default thats there already. you dont have any additional reason, you only came here today...so no history.

 

dont rush, run the 30days close

 

never ever forget 

a DCA IS NOT A BAILIFF

and have 

ZERO legal powers on ANY DEBT - no matter what it's type

 

Link are one of the worst scammers and liars out there

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

  • Thanks 1

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 and 100's of dca discontinued or won court claims won by members.

 

Dx

  • Thanks 1

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

Just googled Kearns solicitors, they are part of Link Financial, so they save money on legal cost.

 

My CC debt it around £9200 plus 8% interest for 4 years. 

 

How much court fees will that be? 

 

Make them get ccj and then file for DRO which cost £90. I had to pay around £500 to go bankrupt 14 years ago.

 

Well CCA first..

 

Im already struggling and they decide to threathen me with legal action just before christmas. Really annoyed..

Edited by cenk102
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you are racing ahead.

court IF IFIF could be months way IF IF IF at ALL>

 

simply follow post 2 letter of claim thread but run the 30 days first.

 

yes we know all about link..

 

oh and stop wasting time on google 

use OUR enhanced google searchbox here on our pages

its just searches CAG threads

 

we dont lie!!

 

 

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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 i know i own this debt, its £9200, i thought after it got defaulted it will eventually statuary disbar.

 

Its been 4 years since default and , i buried my head in the sand.

 

The letter says in 30 days they will take legal action if i dont come to an arrangement with them.

 

Already struggling with energy bills/rent etc and christmas is so close to. Gonna be tough on the kids.

 

Just been to post office, purchased uncrossed PO and will write letter and send on monday for CCA.

 

Thanks for your help

 

With regards to ticking box d to send to kearns, what can i write in their. Can i write i dispute this debt cos i dont recall having debt with link financial.

 

Another thing i have searched the forum, should i allow them to take legal action against me and then request these files if they delay in getting cca then will the case be struck out?

 

 

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throw the morality card away , you do not owe this debt just because you spent the money!! utter rubbish!!

 

ask yourself this WHY did HBOS sell the debt on for <10p=£1 rather than take you to court themselves and crush you????

 

when you took this card out were there any defaults, late payments or CCJ's on your file?

 

as for the letter of claim reply you put the debt purchaser has yet to provide any or all of the required documentation. (as i said the default it suggests thats already there)

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 we know that because the debts been sold on.

 

i asked WHEN you took this card out what was your credit file like? should they even have allowed the card . irresponsible lending?

 

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

Funny you should say that, initially my credit limit was low, overtime they increased it, i had some large gambling transactions on statements and they still increased limits a few times after that.

 

Thankfully i stopped all gambling...

 

I think credit limit was 2k and then it went to 9k within 4 years..

 

 

Edited by cenk102
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  • dx100uk changed the title to Link/Kearns Letter of Claim - HBOS Credit Card

lets try for the third time...

 

do you know how your credit file looked when you applied for this card in 2014?

did you have outstanding debts in 2014?

any defaults?

later payment markers?

CCJ'S

 

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

Eh? Who do you think?

 

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

no they dont.

 

whats the point of an sar ? for an IRL complaint?

 

its your credit file at the time that would be the answer to if you have a case 

 

now i think its better you go read other threads now here

you've not read any unless its been while you've not logged in.

 

we are self help predominantly and you are very green.

 

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

Which address do you send cca to, they have address in london and wales? 

 

The Peak
2nd Floor, 5 Wilton Road
London
SW1V 1AN

 

Brecon House
3 Caerphilly Business Park
Caerphilly
CF83 3GQ

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or staple it to the LOC reply to kearns.

 

either will do.

if you read other link letter of claim threads this has been answered numerous times

dx

 

  • Thanks 1

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

Sent out the cca today to link, hoping to get it back in 14 working days then will respond to letter of claim as i will have some time.

BOS only sold debt 11 months ago so im expecting cca to come in.

Im leaning towards defending this case in court worse case, if i lose it i get ccj. Im on low income and have no intention of getting mortgage or anything on credit. Im hoping the judge wont make me pay more than fiver a month.

In total with benefits i only earn around £20k.

Stuff the dca, i went through bankruptcy this cant be hard.

I messed up but my family life is way better now.

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