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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • 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
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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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Das info


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just looking for some info really

 

I have recently started a das in march 2017 for a total 37k

the thought of these debts still bother me all the time and I constantly think about them so looking to clear them asap really

 

What I'm really wondering is can you make full and final settlement offers whilst on a das and what sort of percentages are likely to be accepted

 

Also can you pay off some of the creditors to reduce the monthly payments of the das

 

I think I can get a hold of around 50% of what I owe and keep reading about people paying off large debts for less that 50% of what they owe

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that's was a silly idea to go into a DAS

 

 

can you list your debts please

 

 

type of credit

original creditor

who owns/you pay now

amount of credit

when was it defaulted

when was your last payment

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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20k bank loan Lloyds

3.5 overdraft Lloyds

1.5 cc Lloyds

4K cc Rbs

3.5k cc Barclay card

1k cc Halifax

1.5 cc vanquis

1k cc bos

 

All with original creditors no defaults and no missed payments

 

Don't see why it was a silly idea to go in a das as I was paying every month but had no money left to live on and felt there was no other option left to try and clear these debts

 

the only reason I can get some money now is my father has been diagnosed with a terminal illness and is offering some money up to help

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Well you are running with it now

So as these are all still with the original creditor

Then far better to let it do its job

 

Don't waste money on an f&f spree

Go have a holiday with it

 

The DAS will clear the debts

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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Spoke with the debt advisor today

she thinks there would be no point in offering less than 75% minimum and even if some are accepted it would only shorten the das term and not reduce the payments at all

 

So guess i will just have to stick with it for just now

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