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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, 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; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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@Trinity Student Village - Tenancy Agreement to which you stand as guarantor - Threat for accommodation for my son


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Below is and email from the accommodation that my son was meant to move to on 9th September. He has not yet received his student loan payment, meanwhile I have advised him that it is too expensive for him to stay in this accommodation and he has agreed that it was a bad idea.
 
He paid a non-refundable deposit but he will not be going to stay in the accommodation.
 
This letter was emailed to me and dated 14 September 2023.
 
I have not replied to it but I am annoyed that they want to take £5000 from him even as he is telling them that he will not be going there anymore. They say his cooling period of 7 days ended on 9 September and so now he owes the full amount regardless.
 
I can warn them that they will not see a penny from me or my son or I can ignore them and let them send all their threats and go and obtain a CCJ that I will also just ignore. What is your advice on this matter?
 
Dear  **********
 
ACCOUNT IN ARREARS – FINAL REMINDER 
 
We write with reference to the Tenancy Agreement to which you stand as guarantor for *********.
 
It appears that despite recent reminders, their account is still in arrears.
 
As stated in our previous correspondence, we will now be requiring you to fulfil your guarantor obligations as stated in clause 2, within the Guarantee Agreement: 
 
  1. In return for the Landlord agreeing to grant a tenancy to the Tenant the Guarantor guarantees to the Landlord that s/he will pay the Rent and any Fees due under the Tenancy Agreement within 14 days of receiving the Landlord's invoice accompanied by a letter from the Landlord confirming that either:
 
2.1. the Tenant has not paid the Rent and/or Fees due under the Tenancy Agreement; or
2.2. the Tenant's rights under the Tenancy Agreement have been lawfully terminated; but
2.2.1. payment of the amount being demanded would have been due if the Tenancy Agreement had not been terminated; and
2.2.2. there is no-one else who has paid, or who (apart from the Tenant) is liable to pay, the amount being demanded from the Guarantor.
 
We trust this matter shall be concluded within the next 7 days; however, we must make you aware that if payment is not made we will transfer this matter to our Debt Recovery Department, who will take the necessary steps to recover the arrears. This could involve court proceedings, additional fees and/or interest added to the account and the student having to leave the accommodation. 
 
If you wish to discuss this further, please do not hesitate to contact us.
 
Yours sincerely     
          
Property Manager
Trinity Student Village
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  • dx100uk changed the title to @Trinity Student Village - Threat for accommodation for my son
  • dx100uk changed the title to @Trinity Student Village - Tenancy Agreement to which you stand as guarantor - Threat for accommodation for my son
56 minutes ago, notpayingapenny said:

I can warn them that they will not see a penny from me or my son or I can ignore them and let them send all their threats and go and obtain a CCJ that I will also just ignore

never ignore a court claim or a letter before claim.

57 minutes ago, notpayingapenny said:

Debt Recovery Department,

powerless muppets.

58 minutes ago, notpayingapenny said:

He paid a non-refundable deposit

by what method?

 

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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good id go do a chargeback for that deposit ring his bank.

yep just ignore them

they probably scam loads of students this way because they are young and know no diff but to believe what they are told.

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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yes you are under zero legal remit to allow any other comms than by written posted letters.

as long as they have the correct addresses and no-one has moved around since using them.

 

but as i said ,  never ignore a court claim or a letter before claim.

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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Dear Not Paying A Penny,

I would suggest phoning the company and speaking to them. 

I have worked within this industry and when i noticed your post i couldn't help having a look at this halls, and it looks like their deposits are protected with DPS so you would receive this back at the end of your tenancy, the halls is also registered with ANUK which regulates their operations. 

If your son/daughter has signed an AST they will be legally bound to the tenancy.  Usually debt gets passed to debt collections agencies and then onto lawyers. 

Halls generally help to find students to take over tenancies but just ignoring this will not make this go away you are being given terrible advice and if you have reserved a room its just polite to let the team know the person wont be coming. 

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doesnt need legal advise

doesnt need to pay anyone anything.

i bet you are glad you dont work for such unethical industry anymore.

dx

 

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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Actually I loved working in the industry, it’s not unethical all advice and contracts are sent and prospective students have more than enough time to cancel their contracts. If guarantors do not agree with the tenancy agreement they can refuse at the point of booking no one forces anyone to book or sign legal documents. 

you are quite correct no one has to pay but the guarantor and their child will both end up with CCJ’s which is their choice but can come back round when trying to apply for a mortgage etc later in life

But out of courtesy you would let the accommodation know because 99% of the time they find replacement students and the students are released from their contracts and if this students circumstances have changed they could request special release from their contract. 

 

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no-one can just get a CCJ at the drop of a hat.

they have to abide by the pre action protocol and then raise a court claim whereby people can defend themselves. 

unless ofcourse its the MO of these companies to file a backdoor ccj  to the old students residency on their book and win by default.

you've a lot to learn.

dont believe everything an employer tells you.

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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From my experience you have 28 days to pay the debt.

It can go to a dca and then the turn around time is 6 weeks then it gets approved for litigation and the file handed over.

I am sorry you have had such an awful experience with student housing if the provider is regulated by ANUK they will be working to the letter of the law.

from my experience it’s always better to work with the provider than ignore it.

It won’t go away and I have experience this field just trying to give good advice 

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sorry but this just shows how indoctrinated you are by your previous employers and you not ever questioning in your own mind...is this right, should they be doing this.. is it actually lawful? rather than taking what you are told to do as legally and morally correct.

you'd be a good candidate to go work for a debt collection agency call centre. 

dx

 

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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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  • 1 month later...

Some "ACT Credit Management Ltd" wrote an identical letter to me and my son this last week.

They claim that they are the appointed debt collection and liaison agents for trinity student village and have been instructed to contact us about an overdue balance of £4754.42! They give a phone number to ring and say it is essential that the matter is dealt with promptly and to discuss payment options with a member of their team! If I am having financial difficulties I should contact a free money advice organisation! They then give me a list of organisations and details of how to pay!

Silly sausages and toothless bulldogs!

This is how they intimidate people into paying for things that they do not even owe!

No legal grounds for asking for all that money whatsoever!

No court order or even a hint at taking the matter before any courts!

I am just sharing this here to help anyone who does not understand how they can get fleeced too! 

I can see they are not even aware of the procedures and just want to waste my time and swindle me of cash that I do not even have!

They can dream on!

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and 99% of joe public fall for these threat-o-grams from a dca as they think a dca is a bailiff and has magical legal powers.....:pound:

those people we call the dca cash cows 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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