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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.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
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Capquest - old Santander OD Debt from Satander Cards ltd!! - now Opos Chasing


Riggers0162

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Hi,

It’s been a while hope everybody is well!
all letters stopped for over 4 years! 

Another has now arrived.

I received a letter from Capquest saying the legal ownership of your account (Notice of Assignment) has been passed to Opos. 
Opos are texting and calling and sending letter offering discount etc etc. 

Debt is over 6 years old (originally with Santander) can I just send the statue barred letter and be done with it. 
 

I’ve not done or sent anything to them yet.

many thanks 

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When was the date of the last payment?

 

If the date of the last payment was over 6 years ago then send the statute barred letter from our library.

On them to prove otherwise then.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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1 hour ago, Riggers0162 said:

. I received a letter from Capquest saying the legal ownership of your account (Notice of Assignment) has been passed to Opos. 

Is there any chance you could redact this letter and upload a copy ? Is it actually A Notice of Assignment ?

 

Andy

We could do with some help from you.

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So not Assigned to Opos (I didn't think they bought debts)...ignore them dont waste a stamp on a Statute barred letter.

 

 

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • dx100uk changed the title to Capquest - old santander debt - now Opos Chasing

So Arrow are the current owners. Probably this was part of the 50% that Arrow kept when they sold Capquest to Intrum.

Ignore opos totally.

IMO it might be worth sending the statute barred letter to Arrow but I know that differs from what @Andyorch stated earlier.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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thread title updated

funny how they say it's and OD Account from Santander Cards Ltd? eh:crazy:

have you moved since last using the card/OD or contacting Capquest? 

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 Capquest - old Santander OD Debt from Satander Cards ltd!! - now Opos Chasing

as she has moved..

IMHO to protect against backdoor CCJ 's 

your wife needs to send capquest our statute barred letter from the debt collection library.

it might also be worthy revisiting any other debts that were in the old IVA too and writing to the debt owners stating her correct and current address.

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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  • 2 weeks later...

Morning,

I’ve checked through old paper work and I can’t actually find reference to the debt? I’m confused.

Never had an overdraft or card? But did have a bank account.

I cannot 100% confirm its statue barred however I’m still looking into this.

Would I therefore be better to ask for more info on the debt through a “prove it letter” or not?

Is is better to look further into this myself.

Issue is if it is over 6 years ago I will have very little info, nothing ever showed on credit file no letters nothing?

No paper left in house from divorce

many thanks 

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1 hour ago, Riggers0162 said:

But did have a bank account.

Then possibly an unauthorised overdraft when you left the bank and unaware ?

We could do with some help from you.

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No point...wait until they decide what they wish to do.....if they wish to litigate then they had better be sure and have the relevant paperwork.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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why not send satans bank an sar?

if it comes back they have nothing then sure as Eggs, capquest won't, unless they fake up the paperwork....

dont forget to read ALL the posts in SAR link RE:CTAX bill etc 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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