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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
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CDUK. Who are they?


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I had a text message asking me to call CDUK on 0870 4281997 and quote a reference number. Obviously, I don't want to do this, I've tried googling them without much luck. Anybody know who they are?

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CDUK is Claims Direct Debt Collection Service. Call is on witheld number, then txt msg to say call on this number with a reference number.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Mystery solved. Looking through some paper work I have realised that they are Collect Direct UK, who are trying to collect on a debt which is in dispute with another DCA. Have just sent them strongly worded letter regarding this anyway!

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  • 1 year later...

They are a company called Collect Direct, it’s the trading name of Improved Financial Services.

 

Denise Crossely is the managing director (LINK TO HER PICTURE BELOW)

http://www.imfs.co.uk/downloads/sp-dec06.pdf

 

and Caroline Burston the Collections Manager.

 

The companies real phone number is 0113 259 6900. If you get hassle from them report them to the Office of Fair Trading, their Consumer Credit License is 559133. Their address is Jason House, Kerry Hill, Horsworth, Leeds LS18

 

THEY ARE UNDER INVESTIGATION FROM THE OFFICE OF FAIR TRADING FOR HARASSMENT AND FOR USING UNLAWFUL PRACTICES.

 

You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

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You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

Unfortunately, they are regarded as a bit of a joke on CAG.

 

The perception is, that it is a self serving organisation set up and paid for by the debt collection industry as window dressing, to give the appearance of self regulation. Often it appears, CSA executives come from some of the worst offending companies.

 

Additionally, Denise, (MD of Collect Direct), has dedicated many years of service on the Credit Services Association (CSA) Counsel, holding positions such as Treasurer and serving on the Disciplinary sub-committee.

David

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Ok the more of us who complain to the OFT the better, It's always a good plan to record the conversations, not sure every mobile can do it, but mine has a recorder facility and I use that to record the conversations.......it's amazing how polite they become when they realise they are being recorded.

 

Also the more of us that ring their proper number 0113 259 6900 the better, as they can't hide behind anonymity. Ask to speak to Denise Crossely or Caroline Burston. Lets let them know how it feels to get continuous calls.

 

We can win this battle and get companies like Improved Financial Services struck off and ensure women like Denise Crossely are barred from obtain another consumer credit license.

 

I had a great credit rating until I lost my job through redundancy, now I'm having to battle these companies on a daily basis, they prey on fear and by trying to intimidate you with scare tactics. Unfortunately most times these tactics work, but if you take simple steps you can make sure they treat you with the respect you deserve. Yes there are the odd few respectful companies......but they have to compete against the likes of Denise Crossely.......and the massive profits her companies make.......yes Denise......I have done my homework and I know everything about you. How does that feel?

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Through the electoral register, companies house and linkedin I'm getting all the available details of the directors of IMFS (Improved Financial Solutions) and CDUK. I will post everything I'm legally allowed and nothing more as I won't resort to their unlawful tactics.

 

In the meantime if you want to email either Denise Crossley (Director) or Caroline Burston (Collection Manager) their emails are:-

 

[email protected]

 

[email protected]

 

I am sure they would love to hear about all the abuse their staff give people, I say the more emails they receive the better.

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I dealt with CDUK over an Egg CC.

 

They wanted 10% of the balance in 4 days, I told them no, they sent VERY RED AND BOLD SCARY LETTERS for about 3 weeks, I ignored them and they passed back to Egg.

 

I thank them for being so unreasonable that I sought help on the internet and found this wonderful place :D

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Now there's a thing: IMFS Improved Financial Solutions, which are -

 

Name & Registered Office:

IMPROVED FINANCIAL SOLUTIONS LIMITED

2ND FLOOR JASON HOUSE

KERRY HILL HORSFORTH

LEEDS

LS18 4JR

Company No. 04668114

 

Check their Consumer Credit Licence on the OFT Public Register.

 

Errr...............according to the register they dont have one.

 

David

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Improved Financial Solutions trades under different names like CDUK.........so if they loose one license, they just start another company trading. Of course it's always the same people and the same parent company. Which is why it's important to target the parent company.

 

Write to the OFT stating your complaints and highlight it's Improved Financial Solutions trading as CDUK.

 

In the meantime bombard Denise Crossley (Director) or Caroline Burston (Collection Manager) with as many calls and emails as possible, use free email accounts if you want to keep anonymity, give them a taste of their own medicine.

 

[email protected]

 

[email protected]

 

Denise Crossley has made a fortune on the misery and misfortune of others, she won't change unless she is forced to by us.

 

Don't give up, these people are cowards, they think they can't be traced and confronted, I've proved this isn't the case and I'll post all the emails and addresses in the near future, so you all can contact them direct.....then lets see how they like it. Just remember don't do anything illegal.

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Good news for anyone who'd like the opportunity to meet face to face the people who run the debt collection agencies, the ones that make money out of harassing people with financial problems.

 

Well, they will all be at the same place on Tuesday 9th and Wednesday 10th February 2010 at the The Leicester Marriott

Smith Way, Grove Park, Leicester, LE19 1SW.

 

The following link is for the Itinerary of their two day conference on how to f**k up and intimidate normal hard working people and make even more money out of us.

 

http://www.csa-uk.com/media/editor/file/HYM%20Programme.pdf

 

below is the above pdf in case it's moved or removed.

 

 

 

Programme

09.00 Registration

09.15 Welcome from New President Roger Lucas

Update from DBSG Chairman Leigh Berkley

09.45 Meet the CSA Board and DBSG Governing Committee - Aims and plans for 2010 going forward

10.15 Q&A with the Panel

9.00 MORNING SESSIONS

10.30 Networking Break

12.45 Lunch

Please Note: The workshops do run in parallel, timings match to allow you to move between workshops if you choose.

Debt Buying and Selling

11.35 Are Purchasers now moving into Contingency

Collections OR is there a move from Contingency

Collections into Debt Purchase?

A Debate

SPEAKERS: Fredrickson International Ltd

12.05 Client Audits for Sellers - Going forward are client

audits for sellers by the CSA DBSG the answer for

stretched sellers departments?

SPEAKERS: Sarah Marshall, Senior Manager,

Recoveries, Santander

Collections

11.35 Is there still a true business to business collection

market? Are Consumer Collectors moving into B2B

Collections OR are B2B Collectors moving into

Consumer Collections?

A debate

SPEAKERS: Martin Smith, Risk & Compliance

Director, Close Credit Management Limited AND

12.05 Consumers testing the Industry

Websites

Debt Management Plans

Judgements

Claims Management

SPEAKERS: Denise Crossley, Managing Director,

Improved Financial Solutions Ltd AND Bob Kingdon,

Operation Audit & Strategy Controller, 1st Credit Limited

Compliance Clinic

14.00 The CSA & DBSG Members Only Compliance Clinic is not only a fantastic opportunity for you to update yourself on

compliance matters effecting the Industry, but it is also a unique chance to network and exchange views with other

members who share the same area of expertise as you.

With updates on regulatory requirements and including open and interactive discussion on the topics that matter

most to you as a business, the Compliance Clinic will have the answers.

Trace Consumer Fact Sheet and Advice Guide

The CSA, has been working on an advice guide for consumers on how to effectively and proactively deal with the

frustration of mis-trace.

The Information Commissioners Office is delighted that the CSA is taking such positive steps to assist

consumers, and have agreed to endorse the factsheet. Further information will be provided in the meeting.

15.30 CLOSE

11.00 Ratios in the World of Collections and Debt Buying and Selling are Changing - An Overview

SPEAKER: Nigel Stirk, Partner, OC&C Strategy Consultants

Wednesday 10th February 2010 - Conference Day

Tuesday 9th February 2010 - Networking Reception

The networking reception grows in size every year and with an expected 160 members for this year’s event—make sure your

name is on the list. This is a great way for members to network, develop business opportunities and relax in the Atmosphere of the

evening.

At this years networking evening, we will have TOPICAL TABLES, which will be hosted by your Board Members and Governing

Committee making this the ideal opportunity to put your questions on particular issues forward and to find out what the plans are

for 2010, within the particular areas such as Training, Money Advice or Compliance. Simply pick your table on the night and make

your voice heard.

Places are always in high demand so make sure you book your place.

CHANGING MARKETS - WORKSHOPS

Leicester Marriott

Hotel Details

The Leicester Marriott is located in a quiet business park, minutes from the M1

Motorway.

Leicester Marriott

Smith Way

Grove Park

Leicester

LE19 1SW (For Sat Nav. Enter: LE19 1SU)

United Kingdom

Telephone 01162 820100

Fax 01162 820101

Web: Leicester Marriott Hotel | Leicester Hotels | Hotels in Leicester | 4 Star Hotels in Leicester | Accommodation in Leicester

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Now there's a thing: IMFS Improved Financial Solutions, which are -

 

Name & Registered Office:

IMPROVED FINANCIAL SOLUTIONS LIMITED

2ND FLOOR JASON HOUSE

KERRY HILL HORSFORTH

LEEDS

LS18 4JR

Company No. 04668114

 

Check their Consumer Credit Licence on the OFT Public Register.

 

Errr...............according to the register they dont have one.

 

David

 

I've just checked the OFT website and much as it pains me to say this, they do appear to have a licence - number 559133.

 

I was hoping you were right as they have been the source of a fair few problems for me. :(

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I was hoping you were right as they have been the source of a fair few problems for me. :Cry:

 

Unfortunately no!!

 

For some reason, Improved Financial Solutions Ltd didn't get a hit. If I had being paying attention however - ooops- post one gives the CCL number, which does. Grrrrrrr

 

David

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1 post removed pending Admin attention.

The CAG is first and foremost here for consumers,of that there needs no clarification.

We will always support members who have genuine complaint and advise on recourse.

We are aware that in many cases this will not fit within the agendas or thinking of those who dont agree with our existence.

Nevertheless,we seek to fight injustice within the boundaries and proper regulation.If there has been any instances of untruths or Walter Mitty additions,then the CAG will act speedily to remove them.

More often than not though,the complaints follow after those who already have cards marked who are under the impression they can continue to operate as a law unto themselves.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...
Improved Financial Solutions trades under different names like CDUK.........so if they loose one license, they just start another company trading. Of course it's always the same people and the same parent company. Which is why it's important to target the parent company.

 

Write to the OFT stating your complaints and highlight it's Improved Financial Solutions trading as CDUK.

 

In the meantime bombard Denise Crossley (Director) or Caroline Burston (Collection Manager) with as many calls and emails as possible, use free email accounts if you want to keep anonymity, give them a taste of their own medicine.

 

[email protected]

 

[email protected]

 

Denise Crossley has made a fortune on the misery and misfortune of others, she won't change unless she is forced to by us.

 

Don't give up, these people are cowards, they think they can't be traced and confronted, I've proved this isn't the case and I'll post all the emails and addresses in the near future, so you all can contact them direct.....then lets see how they like it. Just remember don't do anything illegal.

 

I dont deny their behaviour may be intimidating, but would you care to elaborate on why you seem to have a vendetta? Are they pursuing you?

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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  • 1 year later...

I sincerely do not believe any one has a vendetta against CD UK - its just that people power is forced to come out and play in the face of gross malpractices by CD UK in this the year 2011!

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  • 3 years later...

I've just checked CD UK on the FCA website, They can be found under the name of Collect Direct. They do not have an active licence to practice debt recovery. They are INACTIVE and have been since Dec 2014 so if, like me, you receive emails, text, calls from them at least you know they cannot enforce anything as they are not even currently licensed.

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interesting news mind!

 

 

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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Yes - sorry, I obviously put it in the wrong place. I should have put it as an information thread or something...still figuring out the site and what goes where :???:

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  • 3 weeks later...

Collect Direct / CDUK were acquired by Teleperformance Limited and are a trading style of Teleperformance limited. after they bought the business from Dcrossley and are licenced for debt collection under the licence of the new owners

 

check the details on the letters / emails the company number should be on there

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