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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   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 had added. Shall we raise that 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 the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods 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 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 issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “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. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.


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Yes. 
A4 forms i uploaded do 100% match the papers that arrived in post. 
 

It is what I need to insert in boxes D1-D5 that I can’t find/unsure of. 

It may be right under my nose but I can’t seem to find it. 
 

ucm

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22 minutes ago, UsedCarMan said:

A4 forms i uploaded do 100% match the papers that arrived in post. 

that is not what i am asking....please read what i am asking above carefully....

do the ONLINE WEBSITE RESPONSE QUESTIONs+NUMBERs (NOT THE PDF'S) match form 4a pdf Qs+No's???

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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great thank you .. got there in the end.

the only D section you fill will be D1.

i'll be updating this sticky:

What To Do - Simple Procedure Rule Claims Scotland updated 2024 - Scotland Financial Legal Issues - Consumer Action Group

later tonight, probably in the early hours, it will be ready for you to use in the morning, 

1 final question , under d1 it says, you can use a sep sheet if not enough room (there wont be enough!) , i will gather there is a portal stated on the website by d1 to do so?

do they state a format to use like pdf or doc(x)? and are there instructions upon how you must name such uploads ..ie claim number , claimant/defendant, court name, date?

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 have updated the response sticky now.

https://www.consumeractiongroup.co.uk/topic/402263-what-to-do-simple-procedure-rule-claims-scotland-updated-2024/

in your case...where it states in the response to a credit card claim

The court will be aware that penalty charges

enter before that line/paragraph this addition paragraph:

......................starts.......

The Claimant in their form 3a Section E4 hereby stated:

5. It was a term of said agreement that a failure to meet any payment on a due date would render the account in default and would entitle the claimant to serve a notice of default on the respondent requiring the respondent to remedy the breach within 14 days failing which the agreement would be terminated. 

 

6. On or around 31/07/2020 the respondent failed to make a payment of a sum which had fallen due and the said account entered into default. A default Notice was issued to the respondent on 31/07/2020.

7. The respondent failed to remedy the default following upon service of the said notice and the account was accordingly terminated in accordance with that notice. The account remains in default.

The Claimant could not have issued a default notice to the respondent on said date of 31/07/2020.

As in box E1 Section 2 the Claimant clearly states:

2. By virtue of a debt purchase agreement (“the agreement “) between the claimants and NewDay Ltd. (“the original owner”) dated 23/10/2020.

Under the Consumer Credit Act 1974 only the Owner of a debt can issue a Default Notice.

The claimant by their own admission did not own the debt until 23/10/2020.

.......ends..........

 

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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you dont attach it to any/the response form.

you are filing your defence ONLINE at that site i indicated.

click the blue link at the bottom - start now.

upload/attach it as a PDF 

send the CCA request to Lowell today.

i purposefully have not recommended it to date as it tips them off upon how your are going to defend if sent before filing your response.

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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Final question before I hit “submit” to the court.

Looking for your confirmation as I don’t want a last minute mistake 
 

1. Cut & pasted a pdf starting with this paragraph : 

As a respondent I specifically make reference to the Simple Procedure Rules 2016 in so far as my understanding is that:

2. Inserted the paragraph as you said in #31 just above this line The court will be aware that penalty charges

This is now attached as pdf on the court response portal. 
I think I am good to submit but just double checking 

Also a CCA request was sent today  

thank you again 

 

ucm

 

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looks all ok.

dont worry too much.

the clerk will contact you if there are any issues.

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 afternoon 

Update from the Sheriff via the portal today. 

What do I post on here next?

I would assume just the body of the response only,  leaving out the header ?

thanks 

UCM
 

………..

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his orders.

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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Here is the order. 
……..
The respondent has indicated to the court that this claim will be disputed.


The sheriff has considered the claim form and the response form and has given the following orders:

The claimant is ordered to lodge and intimate the following no later than 19 April 2024:

  • - signed Consumer Credit Agreement;
  • - notice of assignation;
  • - default notice issued by the original creditor; and
  • - detailed statement of the account and how, with specific reference to additional interest added because of late / no payment, and any additional penalty fees or interest added, that has resulted in the balance now claimed.

Settlement and negotiation

The claimant and the respondent are encouraged to contact each other to seek to settle the case or to narrow the issues in dispute, before the case management discussion.

If the case is settled before the case management discussion date then the claimant must send an Additional Orders Application to the court immediately telling the court what should happen next in the case (for example, to cancel the case management discussion and dismiss the case)


Case management discussion

The sheriff would like to discuss this case with both parties. Both parties are therefore ordered to attend a case management discussion in the sheriff court.

The purpose of a case management discussion is to allow the sheriff to discuss the claim and response with both parties and to clarify any concerns which the sheriff has.

At the case management discussion, the sheriff will also discuss with both parties their attitudes to negotiation and alternative dispute resolution.

At the case management discussion, the sheriff may give both parties orders in person arranging a hearing at which the case will be considered and their dispute resolved.

The sheriff may make a decision at a case management discussion.

Date
Both parties are ordered to attend the case management discussion on 26 April 2024 at 10:00am by WebEx.

At the case management discussion, the sheriff expects both parties to be prepared to discuss the case and to have an open and constructive attitude to the possibility of negotiation or alternative dispute resolution.


Signed by: Sheriff 

……..

thanks

ucm

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smart guy this Forfar Sheriff, 

i know Emma the clerk well...

seen off 2 nolans claims for people there.

good its webex too!

moved into the 22nd century at last.

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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  • 2 weeks later...

Got a letter back from the Glasgow office collections agency saying they have received a request for a copy of the CCA.  They say they have raised this with Lowell and once received they will issue in post. 
 

I posted this to Lowell Leeds office. Just wondering how this has appeared there with them  


Also I note from their letter that the balance is higher than stated on the claim. 
 

thanks

UCM

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eh?

3 hours ago, UsedCarMan said:

Glasgow office collections agency

thats weird.

scan up the letter

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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obv i'm aware of walkerlove but more in their role whereby most Scottish court claims are delivered by hand, by sheriff officers.

though it's not unsurprising they have a DCA role, i was not aware not can i find, a link to the lowell group.

this is also the 1st scottish claim by lowells we've ever seen

so there we go.

 

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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  • 2 weeks later...

Hello

email received from Shoosmiths today with evidence that they have lodged to court. Quite a few pages (over 100) attached to it. 

how do I attach and forward here ?
 

thanks 

UCM 

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read upload CAREFULLY

one mass PDF if poss ONLY. use the stated websites

we dont need statements.

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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Are these the important pages I need to upload ?

1.  pages 1-4 are court form 10a

2.  2 pages of the CCA agreement 

3.  Default notice from NewDay, 22/02/20

4.   Lowell letter stating they own debt ,     Dated 16/11/20

5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20

I make this 9 relevant pages from what I can see  

( all other pages are statements/default notes and lots of FCA info sheets)

just needing your confirmation in advance as I don’t want to send over pages that are not required

thank you 

UCM

 

 

 

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dont need statements. nor std info sheets.

EVERTHING else 

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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DN is ok

DCA NOA is ok, though not one from Newday saying they've sold it.

agreement states esigned on a sunday at 11am?? really?? 

but no typed names or tick box nor any IP address used.

if the date is correct then poss ok,

it that your correct address for that time of take out?

but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs.

the agreement details separate T&C's in at least 8.4.

a full set of T&C containing your correct address for the time MUST be included.

failure renders the agreement unenforceable... have you the T&C's too?
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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Address was correct at the time of take out

The time of esign is strange (at church on Sunday ) as is no the no name/tickbox/ip address etc. 

There are 2 pages of T&Cs but no name/address showing on them. These two pages show paragraphs which are not in order, different font and appear in landscape form. Looks different font to CCA pages and with no numbers/references on these pages

UCM



 

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