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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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      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.
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Old Debt problems + change of name + illness


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Hi,

a debt collector came to our home today,

the name he asked for was a previous name of mine,

my husband didn’t acknowledge my previous name to him,

 

I’ve remarried and haven’t used that name for over 5 years,

prior to that I left my previous marriage over 8 years ago,

 

I’ve had no debts whatsoever in the last 8 years.

 

I have no knowledge of what this debt is even for,

it could possibly be from my previous marriage but unsure,

 

can they chase me if it is for a debt that has had no payments or anything registered against it for over 8 years?

 

Any advice welcome.

How do I stop them coming to our door again? 

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  • dx100uk changed the title to Resolvecall at my door over old maiden name debt from +8yrs ago

all DCA's are powerless and are not bailiffs.

 

doesn't mention cabot on there does it?

they've recently been chasing old statute barred debts because people know no better and wet themselves and cough up.

 

anything on your credit file?

when was the last time you moved?

 

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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No mention of Cabot. 
 

credit file not sure tbh, as said I’ve not used that name for over 5 years.   We moved 4 years ago. But I left my previous husband over 8 years ago of where this may have come from? So long ago genuinely don’t remember.  Can I email them to say do not call at house again? 

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god no 

never use email

gives them a free way to harass you.

 

ideally what you should never do is move and not tell your debt owners. you run the rick of a backdoor ccj on any old debt.

 

dont worry about them calling, they cant do anything 

you film them on your phone, dont engage, simply state leave my property and dont return else you'll call police 101.

 

go check your credit file 

all 3 are free now.

 

dx

 

 

dx

  • 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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I had two emails from them several months ago but again it didn’t say anything other than a reference number. Assume my email address was on file from over 8 years ago. 
oh never heard of back door ccj. So this could happen? 
I’ve  just signed upto experien but can only get a free score. It’s asking for £14.99 to get full report? 
 

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credit karma site?

 

probably be nothing there as i bet the debt was defaulted more than 6yrs ago and has been removed.

well if they have your email anyway, use email.

reply to one of their mails and say i have no idea what alleged debt you are chasing

please could you tell me your clients name

and the details of the original debt please

 

lets play games for now.

 

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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not all creditors use all 3 agencies.

 

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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Thank you.

 

I’ve just done experien and asked for statutory report, it’ll take about a week. I’ll do transunion as well.

 

 Can I just check how do I sign off when I send email?

 

Do I use my name as it is now or no?

 

Do I acknowledge I was the name they’ve used?

 

Sorry not had to do this before so unsure what to put.  


Also the credit reports, do I have to do separate ones for my previous name or will they automatically be carried over to my reports with my new married name? 

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Use your current name, let them work it out .

 

As for credit report you should see all your previous addresses under linked address es

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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Thank you. 
my previous marriage, I moved out over 8 years ago, that address is  not showing on my report,

this is where the possible alleged debt might have come from.

Only linked addresses showing are where I am now and where I was for 4 years before moving here! 

 

I’ve done the transunion one which links Experian, and equifax as well as transunion, no defaults at all on any of these?  

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as i said the debts most prob wont show as any default would be well past it's 6th b'day when accounts get removed.

 

its a scam but i think you need to reply as advised then we will send our statute barred letter by royal mail once we know resolvecalls client and the debt

 

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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Hi, ive just had an email back from resolvecall, they are no longer dealing with the account!  Their client…. Arrow global ltd has requested the account be returned to them!   Still no idea who the alleged original debt is from.  Is it likely Arrow will try elsewhere ?!  Having checked all credit agencies, I have no defaults at all. 

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std MO for this lot

 

send arrows our sb letter from the debt collection section of your library

 

attach a copy of that letter just so they know what debt they are chasing

 

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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  • 6 months later...

Hi,

due to cancer and loss of income etc  I’m having to deal with some debt.

Most have been brilliant.

But One creditor I owe to (vanquish!)

I sent off a letter to explain everything and a copy of my marriage certificate at the same time, as I need to change my surname, they are saying they will only accept my original wedding certificate, but they can’t guarantee it’s safe return!

Do I have to send original?

Thank you. 

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welcome back

i ve put this new thread with your old one for history.

is the debt still owned by vanquis please and not sold to a dca?

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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  • dx100uk changed the title to Old Debt problems + change of name + illness

then let them jog on.

its only because vanquis (or more correctly provident - the old doorstep loan company and moneybarn owners - that lent to anyone as long as they had a pluse) were so lax in the early days the regulators gave them several fines and a few good kicks up the backside to tighten up that they now do this.

To be honest, there is VERY little ANY of your current lenders can do to you.

they dont do court anyway, so quite honestly stop paying them ALL 

get any income you now get paid into a parachute account <<readme

and let them all sweat.

once each debt gets defaulted, thats the clock ticking for it vanishing from your credit file so it cant harm you anymore

doesnt mean the debts arent owed mind.

but its the best things for now.

just ignore the forest that will come thru your door. and DO NOT EVER EVER EVER speak on the phone about ANY debt. writing only from now on.

 

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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Thank you so much. I’ll continue to use my surname as it is now, ( as said earlier I did send a copy of marriage certificate a few years ago to them but they never changed my surname!) just thought seeing as it will go to a default soon I’ll remind them but if they can’t guarantee the original will have a safe return to me I refuse to send it.  They’ve sent me an income and expenditure form to fill out, all 7 pages of it! which I assume I need to do or not?! 

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god no

do as i said with ALL your creditors

and get that parachute account open TODAY.

protect your income from interest/bank charges etc etc with whomever gets it now. and DD's penalties as they might not get paid.

move it out!

 

 

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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