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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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EPS breach of GDPR


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The breach for failure to respond took place and needs to be particularised if it is to be referred to later in support of the claim for damages, especially if it contributed to OP's distress.
 

OP appears to have two causes of action albeit that they fall under the same right of action.

OP could litigate the matters separately however they have an obligation to unburden the court and it is probably expected that OP should issue a single claim for all the damages known to have resulted from EPS's unlawful activities.

More importantly it provides OP with two opportunities for a judge to find in their favour on the question of liability.

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But the OP has already issued a court claim for SAR distress.

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in respect to the POC's , and the date the fleecers accessed my data , i do not know the actual date that they accessed my data as they never responded to the SAR. I have the date of the alleged parking breach and the date of the pcn

 

in consideration of that , would the wording need reflect them accessing my data sometime between those two  dates  ?   

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Very, very well spotted.

 

Put "Between 18.02.2021 and 23.02.2021".

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Looking through the thread, did the OP ever get a definitive answer from DVLA on whether the fleecers actually got his data from them?

(There seems to be some doubt).

 

If the OP doesn't have confirmation from DVLA, does it ruin his case?

 

Or, did the fleecers actually state on the original PCN's that they obtained keeper details from the DVLA?

Edited by Nicky Boy

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makes no odds as the only place they could have sourced the data is DVLA so whatever DVLA say or do is immaterial to the claim.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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When you have a moment next week, have a look at MCOL to see the dates your claims were officially made.

 

From that we can work out when you can request judgement.

 

(That's of course if the fleecers don't wake up, wet themselves, and go running to their rubbish solicitors.  It depends on their level of arrogance and stupidity).

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OK, if - and it's a massive if - the fleecers do nothing, you can request judgements from 2 April.

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  • 2 weeks later...

Try and enter judgement(s) on MCOL once a day, every day, from now on.

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FTMD , i have not had any communication from the fleecers on either claim. i have checked MCOL today and there no updates on either claim. The claims history box for both claims shows date claim submitted , and date claim issued , no other information , 

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I think it ought to be possible to enter judgement for the first case.  Try to do so.

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From  https://www.gov.uk/government/publications/money-claim-online-user-guide/money-claim-online-mcol-user-guide

 

Request a judgment with MCOL

 

If the defendant has not responded to your claim within the allowed time, or they have sent you an admission form and you are willing to accept their offer of payment, you can request judgment with MCOL.

 

Step 1 and 2 – Guidance and type of judgment

 

Login to your MCOL account and select the relevant claim from the claim menu. In ‘Claim Overview’, select ‘Request Judgment’ from the available options.

 

In Step 2 you will need to choose whether you are requesting ‘judgment by default’ (the defendant has not filed a defence or admission to the claim) or ‘judgment by acceptance’ (the defendant admits that all the money is owed).

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i gave the request a judgement a try on the earlier of the 2 claims  but the system tells me the required number of days have not yet passed for me to request that 

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OK, obviously I got my maths wrong!

 

Have another go tomorrow.

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i have just logged into MCOL , no updates on case history so it doesn't appear that the fleece's responded. The system has allowed me to progress further than yesterday so it appears that i can request the judgement now 

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Superb news!

 

You know how many days there were between the two claims, so when you are able to request judgement for the second claim, then come back here and we can move on to enforcement.

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