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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Arrow/Dryden Claimform - old MBNA card debt


scottles37
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no SB clock stops on claimform issuance.

if it does get autostayed

then it will cost them £275 via an N244 to attempt to lift the stay.

of which the court will 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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costing more money they might never get back.

you need to understand that these tactics are the only ones any DCA/debt buyer can ever do. they, legally, are totally powerless, which is why they try to use the courts, to hope people wet themselves and cough up.

 

threaten, intimidate, embarrass, etc etc are their only tools.

 

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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  • 4 weeks later...

I received the attached the other day from drydens and was just wondering whether it required a response or if it had any purpose.  No change in status at MCOL.  Defence showing as last action, will this update to stayed ever? Many thanks 

 

text of letter below.. Wondering the purpose of it and whether I should reply. Thanks

 

 

Edited Letter2.pdf

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how come they have your email?

 

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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thread tidied.

 

how come they have your email address?

 

4 hours ago, scottles37 said:

No change in status at MCOL.  Defence showing as last action, will this update to stayed ever? Many thanks 

 

On 17/01/2023 at 10:05, dx100uk said:

there will be no notification nor update to it being autostayed

 

as for that pdf.

not important simply ignore .

 

arrows always try and return the legal fee for a CCA request.

in most arrow threads here already

 

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

Ok .thanks. Sorted.

 

They do have my email from another case many years ago. But that letter was hard copy forwarded to myself 

 

I don’t need to keep checking mcol?

 

They will update me if anything changes?

 

Would be nice to have 100% closure on this but I guess that’s not possible.

 

Thanks for all your help along the way. 

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I would be responding to that letter to inform them that it must not be used towards the balance as that will reset the limitations. (irrespective of the clock stopping) it may start to tick again if the claim remains stayed or is with drawn.

 

The payment must be treated as the statutory payment pursuant to sec 78 of the Credit Consumer Act as per the act but if they wish to refund it that's their choice but will be treated as payment for your request.

 

Andy 

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no demand they do it as per the consumer credit act.

state clearly that the £1 PO was the FEE under that act for requesting a copy of the agreement and should this ever be subject to further action, this letter will be used as evidence.

 

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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I am thinking of sending the below by post. Would be grateful for your thoughts. Many thanks

 

I refer to you letter dated 19th January 2023 regarding the cheque for £1 that you claim to have cashed.

This cheque must not be used towards the balance, the payment must be treated as the statutory payment pursuant to sec 78 of the Consumer Credit Act as per the act. This was clearly stated in my previous letter dated 22ndNovember 2022 which included this statutory fee where I requested a copy of the credit agreement relating to your claim. Should this matter ever be subject to further action, both these letters will be used as evidence.

 

Whether you chose to refund this payment or not, it will still be treated as the statutory payment for you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

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  • 2 weeks later...

means nothing really.

 

drydens are not a DCA they are solicitors.

dont forget arrows have various DCA trading names too. 

 

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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no thats not what it means.

 

as explained earlier, the claim is autostayed now

it will cost the claimant +£275 to lift the stay .

but without paperwork ....not a chance

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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Understood. So worst case, I get informed of new paperwork and stay is lifted and we carry on. Best case I don’t hear anything again but will not really know 100% if it’s done and dusted. 

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n244 from the court.

 

very rare

 

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

  • 2 months later...

dead now autostayed.

 

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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