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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
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Capital Resolve - Next Step Money


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About 4 Years ago I filled in some forms for Next Step Money to look into any PPI claims i may have.

 

I heard nothing much from them at all

- i moved house,

emailed them with my new address etc.

Still no word.

 

 

In the mean time I knew i was owed from Barclays so i wrote to them separate.

They sent me out some questions i filled them in and i received some money back.

 

Yesterday i received a letter from Capital Resolve saying i owed £475.44 to First Target Recoveries

- no idea who they were and have no previous correspondence,

and they said they had wrote to me previously

and they haven't so i googled them and they are linked to Next Step Money.

 

They are saying i can pay just £368 and it will be settled

but i have no idea why i would owe this

or have had any other correspondence.

 

 

What should i do i don't want a debt collector at my door ???

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DCAs are powerless... They cant do anything... Imagine a fly... You just swat it away.

Capital Resolve dont do court either :)

 

Loosen the fear.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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http://www.consumeractiongroup.co.uk/forum/showthread.php?428547-First-Target-Recoveries

 

 

so they obviously put a tag on your accounts and contacted all your banks

then when they cough to you

they also write to the reclaims company.

hence the 'fees'

 

 

did you sign a general contract that they investigate all you accounts?

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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did you sign the forms?

 

 

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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difficult one then.

 

you could simply write to First Target Recoveries

saying I have no signed contract with you.

 

you most certainly ignore the DCA

they are NOT BAILIFFS

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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powerless yoru cat has more powers than a dca

and no you never ever talk about your debts to anyone let alone a powerless dca

at your door or on the phone.

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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have you not been reading your thread and others like it?

they are not bailiffs

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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Sorry I am just so worried, didn't realise the difference:

 

I can't understand how they send such awful letters without having any powers, especially as I've not heard anything for years.

 

The letter talks about Litigation Proceedings and that my credit rating could be effected but I've checked and there is nothing on that

 

What power do DCA have ?

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NONE!!

 

 

they can only do just like what you and I can do

issue a claimform.

 

 

trouble is 1M's of people think otherwise

hence threat-o-grams etc make SOO much money from MUGS that blindly pay them

 

 

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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Sorry I am just so worried, didn't realise the difference:

 

I can't understand how they send such awful letters without having any powers, especially as I've not heard anything for years.

 

The letter talks about Litigation Proceedings and that my credit rating could be effected but I've checked and there is nothing on that

 

What power do DCA have ?

 

They dont have access to your credit files..they are not a creditor..perhaps best to upload the full contents of said letter than just providing snippets and one liners as Im sure it must state more than ...

 

" Yesterday i received a letter from Capital Resolve saying i owed £475.44 to First Target Recoveries " and giving the reasons why they think you owe this money.

 

Andy

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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