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    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
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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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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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