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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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CAP One Recon CCA


CookieRocks
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Hi

 

For a while Arrow and now Drysden Fairfax have been irritating me with a Capital One CC account which was defaulted on.

 

Taken out in 2001.

Last payment approx 3 years ago.

 

In May, I CCA'd them, eventually received the attached document.

They say they've sent a Recon, quoting a high court decision in 2009.

 

This document is all they sent, despite their letter saying that they have also sent a copy of the terms & conditions.

 

Does not sending the accompanying t&c's mean it's failed CCA reply?

More importantly, is the attached CCA enforceable? It's termed as an Application Certficate? Prescribed terms? (I'm not too clever on this aspect)

 

Thoughts and advice appreciated.

 

CR

cap one recon cca.pdf

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Bog roll

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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Found an old cap1 thread

Merged

But might this be a diff card I think you had 2?

But dealt with both in the old thread anyway

So I'll merge them for history

 

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

Found an old cap1 thread

Merged

But might this be a diff card I think you had 2?

But dealt with both in the old thread anyway

So I'll merge them for history

 

Dx

 

It's a different card. The former is dealt with.

 

Merging is fine, as long as it doesn't confuse issues.

 

Bog roll

 

Thanks dx.

 

I'm thinking the same.

However, looking around,

I noticed that there are one or two people who have the same 'Application Certificate CCA' who have received court claims.

 

 

One is already in the midst of defending

whereas the other is in the same boat as me,

although they mention receiving court papers.

 

 

It seems that whichever company is chasing these Cap One debts seem confident enough that they are good with these documents. Obviously, I want to avoid that.

 

So, really what is my next step?

 

Their last letter (Drysden F) asks me to contact them early next week.

I don't plan to,

but I was thinking of sending a failed CCA letter,

 

 

I just need help wording it as to why it is faulty if it is.

 

 

I'm sure they have failed by not providing the mentioned T&C's but is that enough?

 

Hopefully someone can look at the attachment again and give me some pointers.

 

Thanks for the help once again.

 

CR

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I've unmerged them to not confuse others

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

current wisdom over the last few years is to no longer send the CCA failure letter

no point really

 

they know the score

 

theres not much you can do to avoid a claimform

if? that's what they are upto.

 

pers i'd let it run.

 

I take they are willy waving about carey? case

 

what they have sent does not meet even the recon rules to comply with those

and I doubt very much, without the correct T&C's that were SENT to you

[rather than t&c's from their filing cabinet with you stuff insert

would meet enough for a court claim.

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... 

Link to post
Share on other sites

current wisdom over the last few years is to no longer send the CCA failure letter

no point really

 

they know the score

 

theres not much you can do to avoid a claimform

if? that's what they are upto.

 

pers i'd let it run.

 

I take they are willy waving about carey? case

 

what they have sent does not meet even the recon rules to comply with those

and I doubt very much, without the correct T&C's that were SENT to you

[rather than t&c's from their filing cabinet with you stuff insert

would meet enough for a court claim.

 

Yup, Arrow quietened down but then passed it on to Drysden to run around after. Drysden are the irritants, sending letters every few weeks, their latest missive just asks to contact them to make payment or ask for their help by a date next week.

 

I've attached the letter that came with the 'agreement', doesn't specially mention the Carey case though.

 

That response from cr@p1 is hilarious!

 

:-D

 

I take it, you are also of the opinion that it's not what and/ or how it should be?

 

Another question, just for reference, if they were to send I assume a LBA (they should send one before they issue court papers??) how should I reply?

 

Thanks for your help

 

CR

letter.pdf

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https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=carey+2009&sa=Search+CAG#gsc.tab=0&gsc.q=carey%202009&gsc.page=1

 

carey case 2009.

 

you don't reply ever

this might have been your down fall

you have been replying in the past?

 

keep quiet.

 

the idea of all these letters is to gander a response.

 

don't, wont prevent anything.

 

they know at present all they have is part of what they are required to hold.

 

if they were that confident of their hand

they would have filed years ago.

but you see, its not in their interest to do so.

the closer they leave it to SB date the more int they can claim to be owed.

 

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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