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    • Hobnail you don't know Elms too well yet. I am surprised that they got as close as they did to adding up to 30. I think the poor dears get confused because most other letters they send out are to give 28 days notice. They even  have difficulty with their two times table and often consult with the char lady to confirm that 2 plus 2 equals 4.  Just act on the notion that they are total numpties and you won't be far out.
    • To carry on from the above post it may be helpful to go through their WS using their numbers. 9] motorists do NOT accept the contract when entering the land. First they have to read it and understand it and then they realise that a] "No stopping" is prohibitive and cannot offer a contract. b] the signs around the bus stop do not mention who issued the No Stopping signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and the creditor be identified.  10]There is no mention of £100 charge for breaching the No stopping request or if there is it is far too small to read even for a pedestrian. 11] no matter how often VCS say it, it is NOT a contractual clause   22]" the claimant has given the Defendant its contractual licence to enter the site". No it hasn't. This is a road leading to the airport. All sorts of people are going to the airport-travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers, buses. It is absolutely ridiculous to attribute VCS wth any sort of permissions. The land owners yes, but not VCS . There can be no sort of analogy between a car park and a major thoroughfare where VCS have no place as it is not relevant land.   23] there can be no contract as there is no offer only a prohibition. And it is not relevant land no matter how Mr Walli attempts to prove otherwise. 25] VCS may have won a few times but none quoted was on an airport covered by the RTA and its own Byelaws. They also have lost more cases than they have won using their prohibitive signs. 26] First one has to consider if there is a contract. Is it relevant land? No. Does a valid contract exist betweer VCS and Peel? NO.  27] the signage at the bus stop may show the conditions ie  no stopping, and restricted zone but not the terms ie is there a charge for stopping and who is the creditor. The last section of the sign is illegible  29] already stated that a WS between VCS and peel is not a valid document 31] it will need more than the Claimants feather to outweigh the case against the Defendant no matter who was driving. 32] there is no law of agency involved. This is not a case of employer/employedd relationship. VCS are muddying the waters because they have no way of transferring the driver's liability to the keeper 33] this a red herring. There is no list of highways at all  on the Highways act 1980 so this is a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. 34] there ican be no comparison between a railway station and an airport. Totally fatuous analogy.  35] yes the landowners can bring in their own terms but what the cannot do is overrule Byelaws and the Road Traffic Act. 39] surely the paralegal cannot be that ignorant of PoFA. If Bye Laws are involved then the bus stop is not relevant land and so the specious argument about FGW is rubbish   36] what on earth is he talking about with Permits. There is no mention of permits on the signage and even if there were  would it mean that Permit holders were allowed to stop on No Stopping roads? There are enough examples on CAG to counter act their idiocy on continuing charging the extra £60   46] VCS had NO reasonable cause to apply to the DVLA for the Defendants details. No valid  contract with the landowners No stopping is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for a motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP so not valid the WS contract does not appear to authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land.   48] what is this guy on? You weren't in a car park you were on a bus stop 59] this case is totally without merit. I am not surprised that the paralegal will not be turning up. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. Could have been said in at least half the time without the repetition and trying to make a case where none was there. One particularly bad example of misdirection was in the photographs. The Clearway sign shown near the bus stop is very unclear  unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.      
    • just type no need to keep hitting quote...   your defence doesnt need any return of docs.. carefully read what has been posted here and in the other threads i pointed to in your old thread merged here too.   redwood/harwood or STA or brachers.   just use our enhanced google search box.   uni fees is useful too.   this guy is just in front of you    
    • Tech firm CEO Jeff Lawson warns bosses not to make hasty judgements about their employees.View the full article
    • I have just spent last few hours registering and signing up and filling in all the details.   Below is a POC I have drafted.   The defendant is a parcel delivery company DPD (UK) LIMITED On 09/08/2021 the defendant agreed to deliver the claimant's parcel containing a PlayStation 5 Disc Version value £530, to an address in the UK. The delivery fee of £7.79 was paid by the claimant. Parcel tracking number: ???????? Parcel reference no: ????????? The defendant failed to deliver the parcel and have reported it as lost on 20/08/2021. The defendant refuses to refund the full value of the item and the delivery fee. The claimant seeks £530 being the value of the item, £7.79 delivery cost and legal fees.        (Sorry for being stupid but this POC is supposed to go where it says    " Claim details Why you believe you’re owed the money: " right? Reason why I'm asking is because I don't see anywhere it specifically says what are your particulars of claim)   Tomorrow being the 15th day, I will be ready to click it off (assuming the POC is ok)    I have read a few more hermes/packlink etc stories where they were resolved and gives me hope I will regain my lost money.  Will carry on reading up as much as I can.  
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Metropolitan Collection Services Ltd


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Hello, all.

 

I had a loan with HSBC which eventually got "taken into collections" and is now with MCS.

 

I'm trying to get back bank and loan charges with HSBC but have heard there is some sort of loan agreement form that I can send off for from MCS.

 

Can someone please tell me where the template is for the letter?

 

Also, the debt was 18,000 originally when MCS took over and added thousands of pounds of costs on :-( I have paid off 9,000 but when I ask how much there is left to pay, they are very vague and say I can "settle for less - perhaps 8,000 or a bit lower".

 

Liz

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Sorry, just to clarify - I am looking at my last statement from HSBC back in May 2001 and it says the debt was £13,290.08. But when I started paying MCS, it was over £18,000!!!

 

Liz

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If anyone could reply to this quickly, I'd be really grateful! I've got 2 hours booked on this library PC and I'd really like to print the first letter off to MCS while I'm here.

 

Thank you.

Liz

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hi there, i think it sounds like you need to get a copy of the origional credit agreement. Im not sure if your too late for this as you have already been paying but others here will be able to help you on that. If you are still able to do so you need to go here and its letter N that you want to send to MCS

 

Good luck!

************************

 

DCA Theats: Jystmystry V's Wescot - I Win (link)

Default Removal: Jystmystry V's NatWest - In Progress (link)

General Debt - Jysmystry v's Optical Express (link)

 

You can run but you'll just die tired

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OK, I'll be sending off for the credit agreement tomorrow. Does it make any diffence that I've been paying it off for 6 years already?

 

As I've paid 9,000 of the 18,000, could I send one of the letters offering a small final payment? (Especially as I am now unemployed and currently only giving them £20 a month!!)

 

Liz

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well, lets see what the CCA request does first. If they dont have or cant find the agreement etc then you dont have to pay then anymore (or at least until the agreement turns up) and that would give you a great barganing tools for negotiating any final settlement.

 

If it comes back with the agreement you have lost nothing :)

************************

 

DCA Theats: Jystmystry V's Wescot - I Win (link)

Default Removal: Jystmystry V's NatWest - In Progress (link)

General Debt - Jysmystry v's Optical Express (link)

 

You can run but you'll just die tired

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It looks from the statement that they added one massive charge on when they took the debt over. On the phone in the past, they have always said that the debt is not having interest added on at all, that it was all put on at the start (?)

 

Liz

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anyone have contact details for these people?

JKop Vs Barclays SETTLED

JKop Vs Cahoot SETTLED

Jkop V Capital One SETTLED

Jkop V Marbles SETTLED

Jkop V MBNA £422 MCOL

Jkop V Egg SETTLED

Jkop V Cahoot Credit Card SETTLED

Jkop V HSCB £1500 W.I.P!

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Anyone else thinking that 14 unsatisfied CCJs should raise flags in the whole "fitness to hold a credit licence" department?

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Yes meagain, I think that MCS Ltd should not be deemed fit to hold a credit licence, maybe Acy6er needs to complain to the OFT?!

Red

 

See "MCS", read "HSBC". :)

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Guess what! In my letter asking for the CCA (template from this site), I added ONE LINE about MCS not bothering me by telephone any longer but just contacting me by letter.

 

So who phoned me this evening? MCS !!!!

 

Luckily it was such a silly time (8pm) that I was starting bedtime story number 385986545470 for my sons so couldn't get to the phone.....

 

Liz

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Hi Liz

Just wanted to to offer you a bit of moral support. I've got a £4k debt from a HSBC loan that's been passed to MCS too. I CCA'd them on 15th March and had heard nothing until today when they've written to me telling me that my £1 per month payment is late!! - I think 'numpties' is the expression my 3 year old daughter would use!

I'll keep an eye on your thread and wish you all the best. - Sarah:grin:

PS Would it be worth sending the 'stop calling me ' letter in the templates library?, just incase they didn't read the line on your other letter.

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Thanks, Sarah - and all the best with your MCS battle!

 

Yes, think I'll send the anti-telephone letter next....

 

The calls are SO stupid. I've had dozens of them over the years, telling me I "should really think about stepping up my payments". Telling them I'm on Income Support now seems to make no difference.....

 

Liz

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