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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?
    • 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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      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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Just who are UMS? - provi loan


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I have an account with Provident that, for one reason or another (mainly unemployment) ended up with their own in house 'solicitors' and has been farmed out to BCW.

 

Today I've received a letter from BCW offering me a discount that amounts to 50% me the outstanding balance on the account. They have also offered me the chance to pay over 3 installments.

 

This offer is only valid if I contact BCW by tomorr (states 7 days from date on letter but arrived 6 days after the date on the letter).

 

I've never been in contact with BCW regarding this account and wonder if its really only a ruse to get me to contact them about the debt.

 

What is their MO regarding accounts and discount offers?

 

Feebee_71

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If you have the money to clear the balance and want to do so I would haggle with them. With any luck and a bit of perserverence you might get them down to 30%. Their deadline is just a ploy to try and get you to settle for the 50% quickly. But make sure that any settlement is for a 'full' not partial settlement and your credit file is marked as such. Otherwise you may find you are being chased for the other 50% by another agency.

 

If you are not interested let them whistle in the wind and carry on paying them £1 a month or whatever you may have agreed to. Another year down the line their settlement offer will probably be a lot less!

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Hi

Be aware that if you 'short settle' the remaining amount is still collectable. Just because BCW are offering this 'discount' this means very little unless you get a statement saying they will stop any further collection activity AND they do not sell the remaining balance on to any other **** bucket

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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You must receive their acceptance of any short settlement and confirmation that no other 3rd party will pursue for any other monies.. IN WRITING, before you part with any money.

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You must receive their acceptance of any short settlement and confirmation that no other 3rd party will pursue for any other monies.. IN WRITING, before you part with any money.

 

Excellent advice!

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Thanks guys,

 

I'll sit on their offer for a bit longer as it would be a struggle to pay the amount offered as the discounted settlement deal even if it was split into 3 payments!!

 

Feebee_71

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  • 1 month later...

Hi,

 

Have recently had a letter from BC&W in which they are threatening to send a doorstep collector (or words to that effect) to my home

about an account that as been passed to them by the original creditor (Provident).

 

So far letters received have included offers of substantial discounts and even opportunities to pay said reduced sums over a number of months rather than in one payment.

 

I have never engaged with BC&W about this account,

I was paying Provident's in house solicitors a reduced amount but stopped when there just wasn't enough money to pay as well

as meet necessary debts such as rent, council tax, utility bills and then things such as business insurance and fuel for my vehicle

which is important as my job requires me to be mobile but is poorly paid.

 

the collection agents mentioned in the letter received are UMS but, apart from them being owned by BC&W

(and so therefore only another cog in their internal wheel of threats), it appears they are used to chase utility debts - which this isn't!!

 

They will be lucky to ever find me at home as I usually work 12 out of every 14 days and leave the house at silly o'clock returning in the evening then,

on my weekend off, I'm usually catching up with friends, family and life in general.

 

Oh, and I live in a property with secure entry system so they can't actually access my front door that easily!!

 

What is likely to be their next step?

 

Feebee_71

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Utility Management Services.....'cough' 'cough'

http://www.csa-uk.com/uk-members-list/details/141/utility-management-services-%28bcw-group%29-ltd

 

All part of the same, next broom cupboard along I would imagine, or cubicle in the gents, sorry little boys room!

 

Did Provi send you a notice of assignment?

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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I can't remember but know they still send me the letters stating the account is in default. Pretty sure the last communication was from their in house 'solicitors' CK Edrupt!!

 

Feebee_71

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what was the original debt all about?

 

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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A Provident loan,

had to go to reduced payments when unemployed

 

now am working but little money left for non-priority debts as well as paying priority bills

and having enough fuel in the car to be able to go out and do my job

- let alone buy food every week

 

(thank goodness for staying at my parents for 3 nights a week so not having to buy food those nights!)

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so it def was a doorstep loan

not a loan to pay off a debt hey claim you owed?

 

pers ignore them

 

they have no legal powers

and are not bailiffs

 

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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god what made you resort to these 2000% interest rate people

 

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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its a discount letter 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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