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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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DLC ruthbridge chasing old car loan debt after car handback


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I just rang the number and it's a Scottish woman saying a looped message about the offices being closed and they're open from 9am Mon to Sat.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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good thinkin brummie, give em a shout and confirm who they are

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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lol need to refresh my pages a bit quicker

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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more and more you read about mistakes like this , when are the government gonna clamp down on these DCA's , they live outside the law and dont seem to get any punishment for their wrongdoing .

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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I have unapproved a number of posts on this thread. I would suggest some users read the forum rules before posting again on this thread. Posts promoting playing silly pranks on an industry, that CAG is committed to ensuring operate in a manner that is both lawful and respects the debtor at all times, will be removed. Posts containing potentially libelious comments will be moderated. Posts attempting to bypass the swear filter will be moderated. These forums are public and read by DCA's. Do you really want a DCA to have the opportunity to bring legal action against this site? I am sure that there are many who would leap at the chance.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have unapproved a number of posts on this thread. I would suggest some users read the forum rules before posting again on this thread. Posts promoting playing silly pranks on an industry, that CAG is committed to ensuring operate in a manner that is both lawful and respects the debtor at all times, will be removed. Posts containing potentially libelious comments will be moderated. Posts attempting to bypass the swear filter will be moderated. These forums are public and read by DCA's. Do you really want a DCA to have the opportunity to bring legal action against this site? I am sure that there are many who would leap at the chance.

 

fair play, my apologies to CAG

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Yep, you're right, that's fair play. It does seem a bit unfair though that we have to put up with every dirty trick that these people can throw at us without at least being able to have a bit of fun.

 

Fred

  • Haha 1

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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yes but not putting CAG in the middle. there is a lot of people that this site has helped so it must be respected in that sense

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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ok id hate it if this sight went down due to my phonecalls to them but Rory these DCAs use every dirty trick in the book to have us over , legally or not ,

surely if i put a disclaimer after anything i said then this would cover anything they would throw at me .

 

regards

LB

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

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If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

 

unfortunatly no, the response you prob get is "we will keep ringing you" look in template library for harassement by phone letter and send of recorded

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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but Rory these DCAs use every dirty trick in the book to have us over , legally or not
I am very well aware of how individual DCA's conduct themselves. CAG is here to help protect the consumer/debtor through using lawful means.
,surely if i put a disclaimer after anything i said then this would cover anything they would throw at me .

No a disclaimer is far from sufficient in legally protecting CAG from action.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

 

They shouldn't write to him if they are unsure of his identity as this would be breaking the Data Protection Act if they disclose account details, etc. This is why they won't talk to you about it.
Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?
Possibly. If they keep phoning report them to TS.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

 

Daisy May,

 

If you're with BT then you can get various services to:

a) Block calls from numbers that are withheld

b) Block specific numbers

c) Transfer your calls to a different number

 

In regard to c it would be worth getting a Sipgate account (just google it) and you can get a free number with a local STD code so you can transfer it to that. Better still, sign up for a free 0845 number and then every time they call you, they'll be paying a premium rate and you'll be earning a bit of money.

 

Failing that, just refuse to answer the security questions they ask then they can't proceed. You could also tell them that their call is being recorded - this always puts them off.

 

I know this probably sounds a bit stupid, but just try and enjoy it - they

can't touch you legally and they know it. All of the threats are empty and they are obviously getting even more desperate than they were at the start of it all.

 

I wish you luck, imo these people are the lowest form of life since the syphilis germ.

 

Have a nice weekend.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks to you all for your replies.

We are not with BT so I don't know if refusing would work.

Up until yesterday the calls could not be traced with 1471 as they came through a switchboard so we weren't sure who was calling. Now we know it is a DCA my husband will be getting TS involved again, although they were never very helpful they did get the letters and calls to stop for a year.

The strange thing is that when the Aberdeen Angus woman from Ruthbridge used to ring before and I always hung up on her, she used to leave messages on the answer phone using my name and telling me more or less to mind my own business as the calls weren't for me. This week I had a call asking to speak to "DaisyMay" and when I said it was me the caller hung up. I wonder if it is the new DCA doing some fishing!

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Thanks to you all for your replies.

We are not with BT so I don't know if refusing would work.

Up until yesterday the calls could not be traced with 1471 as they came through a switchboard so we weren't sure who was calling. Now we know it is a DCA my husband will be getting TS involved again, although they were never very helpful they did get the letters and calls to stop for a year.

The strange thing is that when the Aberdeen Angus woman from Ruthbridge used to ring before and I always hung up on her, she used to leave messages on the answer phone using my name and telling me more or less to mind my own business as the calls weren't for me. This week I had a call asking to speak to "DaisyMay" and when I said it was me the caller hung up. I wonder if it is the new DCA doing some fishing!

 

Daisy,

 

You can ALWAYS refuse to talk to them - just don't answer any questions. They can't force you to give them personal details and without this information they simply can't carry on with the conversation.

 

Regards

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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just to add to fred's last post about security q's. some DCA's have turned around and said they you are legally obliged to answer there security questions, don't be fooled please,

 

it is a lie, you have no legal obbligation to even speak to them at all on the telephone so be wary of that 1 should they try it.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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just to add to fred's last post about security q's. some DCA's have turned around and said they you are legally obliged to answer there security questions, don't be fooled please,

 

it is a lie, you have no legal obbligation to even speak to them at all on the telephone so be wary of that 1 should they try it.

 

Yes, it's laughable really isn't it? You're not legally obliged to answer questions asked of you by the police under caution so quite why these people think they can get away with it beggars belief really.

 

It's good to work out your own strategy and there is some excellent advice on this thread by Bank Fodder : http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99376-telephone-harassment-action-plan.html

 

Take control. Wind them up, do what you like, as long as at they end of it all they feel that they've just wasted their time. The sooner they understand this then the sooner the calls will stop.

 

Take good care.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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