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    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
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    • well post it to youtube or facebook. so we can look at it.  
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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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I have not heard from this company since 2006 some time.

 

Now I get a letter a few weeks ago saying I owe a DCA for this debt.

 

I have asked them to provide a copy of the signed credit agreement and proof of when the debt was last acknowledged and paid.

 

They have sent a copy of the loan agreement and what looks like a transaction print out of when payments were made.

 

it looks like the last payment was made towards the end of April in 2006.

 

It does not show who made the payment or if it was in fact from me.

It's just a general computer print out.

 

What I'd like to know is why did they leave it nearly 6 years to attempt to collect, and how do I get them to prove the payment was from me.

 

I want to stall them until it is SB if that is at all possible?

 

I was so positive that it was SB I even sent them a letter a week ago telling them it was SB and I would not be paying them.

 

Is it up to them to prove that it was me that paid them in 2006?

They want me to pay within the next 10 days and I just dont have the money.

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then ignore them!

 

they have no powers anyhow

 

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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well you keep pulling their tail

they'll think they've speared a mug

 

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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Share on other sites

They have now sent a copy of the credit agreement but when I asked the original lender they have told me they do not have the agreement so cannot send a copy.

The loan according to my credit file was taken out in 2005 and a default registered in 2006 with no payments made in 2006.

 

What do I do, still ignore this dca?

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They have now sent a copy of the credit agreement but when I asked the original lender they have told me they do not have the agreement so cannot send a copy. The loan according to my credit file was taken out in 2005 and a default registered in 2006 with no payments made in 2006. What do I do, still ignore this dca?

 

Is it the original agreement or a reconstruction?

 

S.

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It was a s78 request. I don't know if they met the requirements? What are they

 

Well the biggy is confirmation that the prescribed terms must be on the agreement or sent with it at time of signing, they also should have been supplied alongside the s78 response.

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So they sent you a statement showing a last payment in April 2006?

 

And now you say there were no payments made in 2006?

 

You need to get your ducks in a row.

 

If it is not SB, by stating it is you may have effectively admitted the debt exists.

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They have replied saying a token payment was made in 2009 from a DMP, which could very well be true.

 

So it is not SB after all.

 

I did write to the OC who have no copy of the credit agreement but do have the default.

 

The form provided by the DCA is a fixed-sum loan agreement regulated by the consumer credit act 1974.

on it, it has loan details,

amount of credit,

PPI info, total ppi £304.99, charge for ppi credit £159.71,

interest 2.9854% per month,

interest is charged on the daily balance and applied monthly.

 

They then have the key information which is about the fees,

the amount payable to settle, missing payments.

 

Important info about my rights - settling, unsatifactory goods, if the contract is not fulfilled. and then you have a right to know how we will use your information.

 

At the top it says version no 10

Signatures dont look too great, but it looks like a fax (page 1 of 20).

Would the original copy be given to the new owner (arrow global) or do the OC keep it forever?

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what was the original debt for?

 

and how much are the dca claiming you owe?

 

you say there were DMP payments made?

 

do these show on the cra entry?

 

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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Ignore them, why wait all this time to collect money on a debt? Very fishy.

 

Most DCA's pull the con of phantom payments to keep the debt alive, if they had any solid evidence against you, you would have been in court within 18 months of defaulting on this, and the OC would have done it, not some tin pot third party.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They have replied saying a token payment was made in 2009 from a DMP, which could very well be true.

 

So it is not SB after all.

 

Woah there... couldve/wouldve/shouldve.... I could tell you the moon was made of cheese.. would you believe it? As DX has stated your Credit file should show all payments made against the default debt, they have a duty as data controllers to report any repayments against the debt.

 

If you were in a DMP at the time then whoever was running the DMP should be able to tell you if a payment was made surely?

 

S.

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