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    • Don't worry, Simple Simon of VCS/Excel is very well known to the forum, as indeed are his defeats, of which he notched up another brace only last week.   There is time to 5 February and as dx says, the defence need only be very short.  Get CPR off today and upload the correspondence in PDF when you can.  Just follow our upload guide.   A few questions.   1.  Briefly, what went on, how did your wife get three tickets?   2.  Is the person they are suing also the same person who was driving on the day?   3.  Did she receive a Letter Before Claim/Letter Before Action?   4.  Is this car park local to you?  If so it would be very useful to see pix of the signage.  You heavily hint that Simple Simon has mixed up Excel with VCS, and this has been fatal to him in court many times.
    • A quick Q; in the CPR 31.14 request which I’m amending to fit the particulars of their claim,  is it worth wording the request in point 1;   1. The contract between VEHICLE CONTROL SERVICES and the landowner that assigns the right to enter into contracts with the public and make claims in their own name. OR land registry details confirming VEHICLE CONTROL SERVICES as private land owner.    Asking this because their claim is worded ‘.The PCN(s) was issued on private land owned or managed by C.’
    • Is the monthly repayment agreement that you have accompanied by interest? Or have they decided to freeze the interest on it?
    • Hi all, good to see a well used forum on all subjects...I don't think this will be too common.   So basically I got a £10 credit for Casimba Casino and turned it into £1045, I have used the same debit card for the past 12 months, I came to withdraw and sent it to that card when I used the withdraw procedure.   After 9 days it wasn't in my bank so their support finally tell me they sent it to a credit card I haven't used in over years, one I had defaulted on when I lost my job! I am paying it off in a monthly agreement.   But this Casino sent them the £1045, I got in touch today and said that shouldn't have been sent, its Vanquis and they said they will ring tomorrow on a decision whether they will send it back, I don't think they will but any ideas how I can persuade them otherwise, this money will be a great help as I struggle to find a job in these times.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Why do you name your DCA?


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Feel free to jump all over me for this:

 

It seems a tad silly to me that everyone is naming their DCA agency and givi8ng fairly precise details.

 

DCA's do monitor this site.

 

DCA's can take the details given and work out roughly who the user is.

 

For example:

USERNAME: mochamoo

LOCATION: Surrey

DCA: LOWELL

OWES TO: BARCLAYS

AMOUNT: 5000

 

DCA can take this info work out roughly who I would be, the more info say the person they spoke to, days and times of calls, can also be tracked and the closer they would get to knowing who is on here and what the user is planning to do.

 

Surely it would be better to not name the DCA to make it that teensy weensy bit harder to track???

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Feel free to jump all over me for this:

 

It seems a tad silly to me that everyone is naming their DCA agency and givi8ng fairly precise details.

 

DCA's do monitor this site.

 

DCA's can take the details given and work out roughly who the user is.

 

For example:

USERNAME: mochamoo

LOCATION: Surrey

DCA: LOWELL

OWES TO: BARCLAYS

AMOUNT: 5000

 

DCA can take this info work out roughly who I would be, the more info say the person they spoke to, days and times of calls, can also be tracked and the closer they would get to knowing who is on here and what the user is planning to do.

 

Surely it would be better to not name the DCA to make it that teensy weensy bit harder to track???

You have a point but when the edited see the expert advice given on here it must pee them off big style. I hate them all

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It's also through people naming these DCAS on here that a lot of new users find out about this site too.

 

Just do a google search for Capquest or Mackenzie Hall and you will see what i mean, thats exactly how i found this site.

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does it matter!:rolleyes:

 

DCA's do not have any legal rights anyhow.

sure they are just doing their job, but.

at the end of the day, they are just human telephones chasers.

 

dx100uk;)

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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plus we put these details on

 

1 - to let them see we are fighting back

 

2 - to let them KNOW we are NOT afraid of them anymore!!!!

 

 

Come get me you sons of Bi****s

 

I am waiting!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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i changed my username recently as i read on here not to put your real name, i suppose it's a good idea to be careful, but in my case i dont mind if the DCA knows i've reported them to OFT etc (they'll soon find out anyway) when they questioned me on the phone why i wanted a CCA i told them i was taking advice from the Consumer Action Group, i was proud to let them know i use this site and if they look they might learn something (maybe a lot of staff at DCA's dont have a clue re; the law) i think this site is earning itself quite a fantastic reputation:D but i take note of what you are saying and i've advised all my friends not to use their real name and home town etc.:)

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I couldn't give a nuns chuff if x y and z from whatever DCA read this!

 

Naming these people sticks them on the top of the google list, thus educating people as to their questionable conduct.

 

Providing people don't post their entire legal defence on these boards, then I can't see it doing more harm than good.

 

N.B Kenny take a valium mate.

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lol sorry

 

but 4 weeks ago i had no confidence in these issues, and now i am armed with knowledge thanks to everyone on here

 

*stands up and applaudes to each and every one of you*

 

and now i feel i can fight these people and win!

  • Haha 1

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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its amazing how this site has turned us around from intimidated scared little (no insult intended) people to people who stand up for themselves and others, and are no longer hiding from those monsters - don't know how they can do that sort of job and sleep at night.:p

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I think it is important to name the DCA and the nature of the problem but DO NOT say the EXACT creditor name and amount of money

 

eg dont say I owe £1,347.23 to Halifax

 

say "I owe over £1000 for a bank loan"

 

otherwise the can and will search their system and find you.

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Guest Alison82

So what if they can spot who's who, they are the ones in thre wrong, they are the ones who should be worried, we have the law on out side!!!

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Personally, I can't see how it makes a difference. They can either comply with your request... or they can't. If they can't, then they lose.

 

:)

 

 

 

That's more or less what I was going to say.

 

If you look around these threads, the overwhelming majority are from people who have been badly treated or harrassed by DCA/DPC. They are the bad guys here, not the people posting.

 

Now, to see a thread saying "I've borrowed 2.5K from XXXX Bank last June, and now I don't want to pay it back......" that's a different matter!!!

 

all the best.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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So what if they can spot who's who, they are the ones in thre wrong, they are the ones who should be worried, we have the law on out side!!!

 

 

If they know you are about to apply for CCA they can start getting the details before you even send them the letter.

 

I do believe you should stand up to them 100% I Believe we should kick their butts!

 

Some of the posts in this section of the forum are, in my opinion, too personal and make it too easy to be traced. Stand up to them up dont give them your war plan. I am just saying to take a few details out, cover your behind so you can kick theirs!:D

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If they know you are about to apply for CCA they can start getting the details before you even send them the letter.

 

 

They should already have them before chasing you for payment.... that's the whole point.

 

:)

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does it matter!:rolleyes:

 

DCA's do not have any legal rights anyhow.

sure they are just doing their job, but.

at the end of the day, they are just human telephones chasers.

 

dx100uk;)

 

Hi

 

Could you explain your comments a bit more. Do we have to pay DCA's any fees if our debt gets passed to them. What powers or rights do they have?

 

thanks

 

 

Steve

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The more DCA's, bailiffs and other companies which act outside the law that are named and shamed on this site, the better, as far as I'm concerned. It empowers people to see others taking these companies on and gives them the impetus to do the same. I've certainly learned a lot.

 

Yes, people do have to be careful not to give out personal information that can be used for ID fraud etc., it also empowers people to see they are not the only ones who have/have had debt problems and helps them to see a way out. It also helps them to see it has not all been their fault.

 

So, IMO, keep naming and shaming. The DCA's are now using all sorts of methods to contact people (see MBNA phoned my neighbours ) so I can't honestly see how this site will help them to find people. If anyone is worried about this, don't put your area down - just "South East" or similar.

 

Rant over x

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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i'm well after Lowell and they will get punished in my case.

 

they have seriously abused the law on my account.

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i'm well after Lowell and they will get punished in my case.

 

they have seriously abused the law on my account.

I look forward with interest to seeing them pay. I am at the minute handing them out coils of rope with which to hang themselves with. So far all they have done is tie themselves in knots with it.

 

Who on earth works for people like this

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The more DCA's, bailiffs and other companies which act outside the law that are named and shamed on this site, the better, as far as I'm concerned. It empowers people to see others taking these companies on and gives them the impetus to do the same. I've certainly learned a lot.

 

Totally agree

 

Yes, people do have to be careful not to give out personal information that can be used for ID fraud etc., it also empowers people to see they are not the only ones who have/have had debt problems and helps them to see a way out. It also helps them to see it has not all been their fault.

 

I started this thread because I am concerned over people giving out so much information. I do not want to see anyone on this site get stung by dca/bank/mortgage company, I am cautious by nature, and Iam all for getting these companies. i feel that a little less info on the threads will still lead to us sucess but without any possible risks of it going wrong.

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Totally agree

 

 

 

I started this thread because I am concerned over people giving out so much information. I do not want to see anyone on this site get stung by dca/bank/mortgage company, I am cautious by nature, and Iam all for getting these companies. i feel that a little less info on the threads will still lead to us sucess but without any possible risks of it going wrong.

 

I can't see there being any problem at all, and sometimes detail is needed to give correct advice. At the end of the day if they are acting within the law and you are also then there is no problem. But I would ask that everyone refrains from using derogatory language at a company or employee and also they do not use their own names.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hmm ... quite hard to have that level of self-restraint when someone has verbally abused you down the phone, but I do see your point!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hmm ... quite hard to have that level of self-restraint when someone has verbally abused you down the phone, but I do see your point!

 

Absolutely agree - but we do have a PM system;)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Interesting and amusing post!! Made me laugh loads at the varied responses etc..

 

I can honestly say - I have put up with a lot over a long time from certain DCA's and am truly on the war path after some!!!

 

I don't see why these companies shouldn't be named and shamed. I am sure many here will agree that these companies "see what we want or will allow them to see" - there is much goes on behind the scenes than what is shown here.

 

YES they are reading here - Let's just hope they are learning from what they read here!!

 

The other point in many of us writing "I had a problem with **** - I INTEND TO DO **** to solve the problem" and so on is actually useful to the many guests we have visit the boards who never post (for what ever reason they have not to post here) - so it does help others to sort similar problems out and maybe give hints how to deal with certain things? Personally - it's those people I like to try and help out.

 

6 months ago I would never have dreamt I wouldn't have tackled the big companies that I have approached with Bank charges etc.. - let alone defend myself against a DCA - so that's a big change for me too!! Thanks to CAG and the lovely people I met here!! :D

 

It's what this site is about - helping each other out and making a difference!! It's nice to see the varied tactics and advice here - allows us all to create our own paths in how we deal with things and so on? 8-)

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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