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    • 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 and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't 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 members of suggested above – it should be the final version. court, that I would respectfully requestup but 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?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Past Due Credit Solutions


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Hi, it's been a while since I've had to refer to this site as I thought my dealings with DCA's were finished.

 

Received a letter from the above today telling me to telephone them regarding an important matter, on an 0844 number. All that was referred to was a case number nothing else.

 

Previously I had dealings with Robinson Way and Lowell but these were referred to Trading Standards as they had both failed to supply the necessary CCA and had continued harassing me. I eventually received letters from both those companies saying the matter was closed.

 

I don't have any debts that I am aware of and wonder if PDCS are trying where Lowell and Rob Way failed.

 

Any advice on what to do next would be greatly appreciated.

 

Cheers

 

Soozisioux:)

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  • 3 weeks later...

Hi have now received letter number two from the above. Dated 12th February but received today, the 18th Feb This informs me that it is a FORMAL DEMAND. The Pursuer is TT1 SPC for SP1 for an amount of £419.54. If I do not pay by the 19th Feb they will send the "heavies" round. There is a case number and client ref number on the letter and various ways I can pay.:mad:

 

I have no idea what this debt is for. It's an amount that I don't owe anyone and what TTI SPC for SP1 stands for I have no idea.

 

I have two debts outstanding but not for that amount. Both are statued barred (at least ten years if not more) and neither have CCA's for proof.

 

Any help would be gratefully received.

 

Thanks

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Sent them a letter asking them to prove the debt.

DO not acknowledge and include a trespasses will be shot letter.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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TTI SPC for SP1

 

from another forum

 

I got the letter too. It's from before I even lived here! Apparently British Gas sold the debt to a company called TTI SPC who have now employed pastdue credit to collect it for them

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Thanks for that.

 

I am not with British Gas, I changed three years ago to a different utility supplier. All bills were paid completely up to date and I would have thought that if I owed British Gas any money they would have been harassing me themselves immediately, not leaving it years down the line.

 

Cheers Soozisioux

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as i said ask them to prove the debt. Deny all knowledge.

 

Also l would contact british gas and ask them about any debt as if they in writing say you dont have one then at least you can send PSDC a copy of the letter and they can then take it up with british gas.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi, I've been having a look round the net and found a bit more out about TTISPC - they seem rather secretive!

 

TTISPC has a one-page website at www.ttispc.com - advertising their services. They buy debt from banks and other companies (doubtless at a huge discount) and derive their revenue stream from collecting these debts. (As mentioned by PGH7447)

There is a problem with the way TTISPC holds itself out as a UK business (it shows a Nottingham PO Box on its website). If you trade in the UK you are required to show what type of business entity you are - eg plc, Ltd Co, partnership, sole trader etc. TTISPC does not do this on its website.

whois.domaintools.com/ttispc.com shows the website is registered in Grand Cayman (not well-known for its business transparency!) and hides the registrant details through Direct Privacy Ltd (www.directnicprivacy.com). There is a phone number (1-345-745-6022), though this will only get you through to Direct Privacy Ltd.

TTISPC.COM was registered at 123-REG.CO.UK on 09/18/2008.

 

TTISPC may have a reason for remaining incognito - I wonder what it could be?!

 

Cheers Soozisioux:)

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DONT ring the phone number its not a UK number > George Town, Grand Cayman

 

see below

 

Registrant: directNIC, LTD PO Box 11207 George Town, Grand Cayman KY1-1008 KY 1-345-745-6022 Fax:1-345-745-6023 Domain Name: DIRECTNIC. ...

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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It's ok I've no intention of phoning this number. But I wonder about the whole legality of this set up and what Trading Standards etc., would make of this. How can they threatening people with debts that don't exist when TTISPC claim to be in Nottingham and are actually in Grand Cayman.:confused:

 

Cheers Soozisioux

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write back to pdcs and say that you do not recognise the alledged owner of the debt and that after further enquiries you have discovered they are an offshore business and that at no time have you ever had dealings with an offshore company and that until proof of any debt is recieved all further comunications will be passed to trading standards, as you believe this is a [problem]

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Have just been reading another link re the above by Continuity Girl who advised anyone dealing with this lot to contact Consumer Direct which I have just done.

 

I explained everything I had found out and they were extremely interested. Especially as they appear to be flouting Data Protection Regulations. The lady I spoke to was most interested in the "offshore" side of the dealings. She took as many details as I had as is contacting Trading Standards on my behalf.

 

I was advised to write back and deny any debt and tell them to stop contacting me and that any further communications would be reported to the information commissioner.

 

Well worth the phone call and very satisfying too.

 

Will keep you updated of any further events.

 

Cheers Soozisioux:p:p

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Just had a look on the ICO website and could not find any registration as a data controller.....

 

 

Is this another company like Phoenix Recoveries????

 

 

t-star

FOR THE BENEFIT OF OUR FRIENDS IN THE NSA USING THE PRISM SYSTEM. HELLO FROM THE UK.

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