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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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Nina P v Capital 1 - harassment


nina_p
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because no one has posted on it for the last 5822 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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HI Guys, I'm new to this site. It's nice to meet you all. Could I please ask your advice?

Last week debitas office rang me about an outstanding bill for Capital one. I explained that I have had to put a lot of my debt into debt consolidation due to being made disabled. The caller would not take no for an answer.

I also explained that I had recently changed bank accounts and that I no longer had debit cards or any credit cards due to this and I had no way of making a payment. I requested Giro slips so I could make a payment to keep this bill down to a minimum. These giro slips have not arrived so far.

 

Today, I received a phone call from debitas

I explained again about the debt consolidation. When I asked to talk to a manger he said he was the manager.

He was very angry, confrontational, provocative and threatening! He refused to let me talk to a manager and talked over the top of me. I explained that the giros hadn’t turned up yet and he called me a liar. When I said I would be ringing his boss about his threatening attitude he again abused me calling me hypocrite and liar.

When he was shouting at me I told him to tone it down abit as I am now mentall and physically disabled He said "so what, expect a court summons and to pay double the amount!" I had to put the phone down in the end. cause it was making me ill. Can they do this?

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Hello, wecome to the site, :)

 

you are not alone here

 

NO, they are not allowed to do that to you, if they won't listen to you, place the phone down gently, and go make a cup of tea or coffee. Pick the phone up gently, if they are still on line, ask if you can now speak and tell them you will only deal with them by letter and say firmly goodbye.

 

First, send them a CCA request, template in the library, once you have done that, read all you can on the forums, this place is fantastic.

 

Second, do you have/had any charges with Cap 1?

 

If you do have/had charges added to the Cap 1 account, send Cap1 a S.A.R - (Subject Access Request) - data protection request unless you have all your statements, again a template letter is in the library.

 

I hope this helps, Others will be along to offer their support,

 

You have taken a great step towards freedom from these people, chin up.

Saxon

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Moved this to a thread of your own, rather than tacked at the end of an old one.

 

Copy and paste the letter below to them, ASAP:

 

Dear Sir/Madam,

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Wireless Telegraphy Act (1949) and I will report you to both Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

Yours truly,

 

 

Add your name, address, Cap1 account number, and send off.

Don't worry if you can or can't record the calls, they don't know whether you're bluffing or not.

 

If it's been passed to the debt collectors, you can bet part of your outstanding balance will be down to charges, so send off a SAR to Cap1 ASAP.

 

A friend of mine "owed" Cap1 £500, on receiving her statements, it turned out that there was £600 of charges, so they owed her £100!!! Like you, she was gettign harassed all day long, I got her to send the letter above, and they confirmed in writing they would stop calling, and they haven't called her once since. :-D

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  • 5 weeks later...

With a debt of £146 owed to capital one, I was contacted everyday by Debitas. After coming to an agreement of paying them £50 a month I thought It was all sorted. They have now decided that this is not good

enough and because I recieve benefits for being disabled they told me over the phone yesterday that they were handing my account to their soliciters, who would take me to court and take the money out of my Disability Living allowance. Is this right and can they do that? Please help.

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they must have charged you unfair fees over this!

start a claim, the the A/C will be in dispute, so DCA can do nothing.

 

might be an idea to CCA them too

only costs £1

 

dx100uk:rolleyes:

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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With a debt of £146 owed to capital one, I was contacted everyday by Debitas. After coming to an agreement of paying them £50 a month I thought It was all sorted. They have now decided that this is not good

enough and because I recieve benefits for being disabled they told me over the phone yesterday that they were handing my account to their soliciters, who would take me to court and take the money out of my Disability Living allowance. Is this right and can they do that? Please help.

 

Nina... they are trying it on. £50 a month is way too much from someone on Benefits. As for them taking it from your DLA, I very much doubt that a court would allow it. DLA is not a means-tested Benefit and is awarded to help wwith the extra expenses incurred because of disability and/or illness... not to pay debts with! I can remember having some ridiculous conversations with a particular DCA about this, when I was receiving DLA for my daughter.

 

Please try not to worry. As advised, post a CCA (Consumer Credit Agreement) request off to Debitas.. it only costs £1. Make sure you send it by rec. delivery and keep the receipt. If Debitas don't produce it within 12 days from receipt, it means they are in default and cannot enforce the debt without going to court. This means that you are entitled to withhold any further payments until they can produce a CCA in court. One calendar month later, they will have committed a criminal offence. If they have not bought the debt from Cap.1, then the debt will be passed back to them and you can then deal with them directly.

 

Do not worry about the threat of court action. If you're on Benefits, it's unlikely to happen anyway... the judge would simply reduce the amoiunt you are currently paying down to an affordable level.

 

:)

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  • 9 months later...

I'm new to this site so hope I'm doing this correctly! I'm a legal secretary who contracted RSI. Have been unable to work since March 2007. Couldn't pay any creditors etc, saw CAB (not much help to be honest!) Main debtor is Barclays, £6.300 odd which I have been paying for last 10 years. Barclays ignored my letters informing them of my illness, disability and inability to work and turned my account over to Moorcroft Debt. Been hassled ever since. Am on JSA now - fighting appeal to get incapacity benefit restored. CAB sent all my creditors a letter from my GP confirming my condition and impossiblity of finding work (can't type, lift or write without great pain). Barclays/Moorcroft just don't want to know and are threatening "further action". Have taken them to Ombudsman but that was 5 months ago and they are only just looking at the case. Anyone got any suggestions? I also get DLA at the lowest rate but I'm damned if they're going to get any of that! Have to stop, hand hurting like mad.

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Hi Debbi....

 

Please start your own thread on this one. Moorcroft won't be interested in any pleading letters that you send them... they need to be dealt with in other ways. Start your own thread and we can then keep track of your situation and advise you on how to deal with these morons.

 

:)

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  • 6 months later...

Hi Nina, I'm sure when you write to Capital One it's being forwarded to Debitas as it's part of COB.

 

Anyway, I am one of the lucky folks that got some friendly mail from them by post, so here's their address:

 

Debitas Legal Services

PO Box 6459

Nottingham

NG2 3FG

 

Cheers

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3 threads merged Nina

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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