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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Australian Debt being chased in UK - Help?!


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Please can anyone help me? I lived in AustraliaFrom 2003-2007 whilst there I got myself into bad debt. I returned home to the UK and myrelationship broke down and I was diagnosed with depression. In short I failedto keep up with payments to my Australian Debt and have not contacted themsince.

They have now caught up with me and are calling my new place of work andbeing very aggressive.

Whilst on a call to a work colleague they mentionedmy young son and that they were calling my husbands place of work.

I am incredibly frightened as I have just started a new job and amworried what they will think.

I am scared for my Son and my husbands place ofwork. I fear this will make me ill and I dont know where to turn? I have nomeans of paying the money and I don’t want to speak to them as I am scared canyou help me please?

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You are under no obligation to speak to them let alone give them any information. If they continue to 'phone & they are an Oz DCA make a complaint to the ACCC http://www.accc.gov.au/content/index.phtml/itemId/142 and the ASIC http://www.asic.gov.au/asic/asic.nsf/byheadline/Contacting+us

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If they are an Oz collector you will have to use the Oz authorities to deal with them. If UK based a complaint should be made to the OFT via Trading Standards.

 

When was the last time you made payment on this debt & roughly how much is it?

 

Did you live in the NTs?

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How did they find you? Are your details listed on any social network sites like linkedin or facebook?

 

If they call again refuse to answer any security questions on security grounds :-)

 

This is a good thread to read as regards a dca contacting someone at work

http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK

 

In the case above the DCA was Credit Corp

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Thanks Guys!

I have just found my Passport and I left Australia in April 2006 therefore Ithink in one week the debt is SB?

If this is the case do you suggest that I tell them when they call as 6 years have passed without any payments or contact or willthey just stop calling?

I guess the question is when can you admit who you are and quote the law tothem?

The company is Credit Corp. And once again thanks for your help on this.

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I have just found my Passport and I left Australia in April 2006 therefore Ithink in one week the debt is SB?

 

The SB clock starts one month after the payment became due. So if you last made a payment in Feb 2006 it would be SB March 2012.

 

If this is the case do you suggest that I tell them when they call as 6 years have passed without any payments or contact or willthey just stop calling?

 

It would be best to ignore them until you are certain it's SB.

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:-(Well they have raised their game, calling work, asking for my boss, then calling my sisters boyfriends parents, this is beyond harrassment, they have also emailed me at work offering a reduced payment plan etc.

 

Do you know if I reply to the email am I acknowledging the debt? I also need to be ready to answere the phone tomorrow (they call in the mornings as Oz time) and am not sure what to say as I want to quote the law? Can I put a complanit into the ASIC even if I owe the money? Sorry...... Very distressed and embarrased now its getting me down :-(

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Thanks and yes I did, very useful, I am still not clear on whether I can lodge the complaint while I owe the money but as you say I can so I will do this ASAP.

 

I am worried that if I lodge the complaint then this tells Credit Corp who I am and that I acknowledge the Debt, is this the case?

 

I have also found a template letter to respond to chaser emails regarding the SB status of the debt would you suggest I send this - even though I cannot be sure if the SB applies or not although it will apply within 4 weeks!

 

Thanks - Again!

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if I lodge the complaint then this tells Credit Corp who I am and that I acknowledge the Debt, is this the case?

 

 

No, any acknowledment MUST be signed by you (Aus law).

 

 

Just deny and deny and put in ALL mails that you do not acknowledge the alleged debt. Also never sign anything. In the mean time you can reply to one of their emails telling them that you HAVE reported their collection activities to the ASIC and to the office of the privacy commissioner. Also that they have never had your permission to send emails to you. Also mention that you have put in complaints to the UK office of fair trading about their illegal activities in the UK as they do not hold a UK credit licence. Tell them you are about to file a dispute with the Australian financial ombudsman (that one costs them money) and you are going to request ALL information that CREDIT CORP hold on you, and you will be requesting a copy of their credit licence for the period of the alleged assignment. Even if you don't do anything they will know that you are going to fight back and do know your rights.

Credit Corp in my opinion are Australia's worst parasites and one of the worst offenders for breaking collection guidlines.

Take a look www.creditcorp.net.au/index.php and maybe ask the guy who runs it to take a look at your thread here. He is a great guy to have on your side.

 

Just remember if you fight back and fight hard they will soon leave you alone. DO NOT worry too much and remember their intimidation is intended to wear you down in the hope you admit to the debt or make a payment just to shut them up.

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Hi juat thought Id let you know that I send the complaint to ASIC and I responded to the email, I have recieved no calls at all today! Thanks again for all your kind support and assistance, Fingers crossed!

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Hi juat thought Id let you know that I send the complaint to ASIC and I responded to the email, I have recieved no calls at all today! Thanks again for all your kind support and assistance, Fingers crossed!

 

Your so close to being staute barred that they would try anything to get a responce from you and maybe a payment that would reset the clock. They might well call again so expect it, but now your well armed. :-)

Let us know how you get on.

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  • 1 month later...

Well just thought I would update you - All has been quiet since the above and today my husband and a work collegue get a call from a 'crystal' claiming to be an old friend asking very personal questions. They havnt called my phone since I sent the email and I have since complained to ASIC, I am now situe Barred and they keep calling? Is this normal?:razz:

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