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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Scotcall chasing Citi 'debt'


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Right,

 

I have a debt that is currently with Scotcall. I'm going to CCA them but I don't know the reference number. Would it be the same as the account/credit card number that I was issued when I had the card with Citigroup?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Quote The Refrnce Number That Scottcall Are Quoting And Send It To Their Address.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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This little bit of info may help some people I dont know how many,

 

With regards to Scotcall LTD.....Up till the 12th May 2004 they used to be known as just Scotcall ( not LTD) they were owned by Sheildaig Enterprises LTD... NOW heres the interesting point up till 12th May 2004.... Neither of these were registered as a data processor with the ICO at that time, so if Scotcall have any info supplied to them and kept by them about you before they had a license or you paid them any money because they had this info about you i.e a debt they have unlawfully deceived you into paying on the basis of information unlawfully held at that time .....it was information information they should not have had.

 

That is worth thinking about.

 

Sparkie1723:)

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  • 4 weeks later...

I have now sent 2 CCA requests to Scotcall, both sent recorded but neither signed for, or any response from them. First sent almost 1 month ago, 2nd 12 days ago.

 

Has anyone else had the experience of this? Are they refusing to accept signed for letters, therefore cannot prove that CCA request has been received?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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  • 1 month later...

UPDATE:

The 2nd CCA request was signed for on the 7th February. The 12 working days were up on the 23rd February, and from the 23rd March they will have committed an offence.

 

To date I have heard nothing, I have stopped the payments I have been giving them, but don't understand what to do next.

 

Should I complain to the ICO? should I now send a CCA to Cabot to see if they hold the agreement? Should I correspond with Scotcall again?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I think you need to complain at the magistrates court.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Thats the problem now, County Courts do not deal with criminal offences, thats as bailliffchaser said, its majistrates courts business, you have to go to them and ask about that, or you could notify the OFT and see if they will prosecute, just dont pay any more to Scot Call, but still go the majistrates court for advice.

 

 

sparkie1723

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I had scotcall chase some debts for the RBS sent them TWO CCA's then just as the 2nd one was about to expire and I was going to get medieval on them the sent me a letter saying they had passed it back to RBS !!!! I should have continued and had a go at them for non compliance.

 

not a peep from RBS either which is strange

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I've had a letter from Scotcall, as follows.

 

Dear Sir/Madam

 

Creditor: CABOT FRMLY CITIFINANCIAL

Our Reference: XXXXXXXX

 

We have been advised by your bank that you have cancelled the direct debit due to ourselves on the above referenced account.

 

We have an outstanding balance of £XXX.XX due on this account, and we require immediate payment.

 

Yours Sincerely

 

Administration Department.

 

The 30 days for them to reply to the CCA is up on23rd March. This letter makes no reference to my request.

 

Shall I phone them, write to them, or just leave it?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I've had a letter from Scotcall, as follows.

 

 

 

The 30 days for them to reply to the CCA is up on23rd March. This letter makes no reference to my request.

 

Shall I phone them, write to them, or just leave it?

 

Leave it, let them work it out why you've stopped paying..If you feel you should do something then write a quick letter telling they are in default of your CCA request and you won't be making any payments until they produce the requested information.

Just hate every DCA out there

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I've just noticed something, having checked back through my bank statements, it seems they have not cashed the £1 cheque I sent with the CCA.

 

Is this likely to complicate things. Will I now have to re-submit the request.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I've just noticed something, having checked back through my bank statements, it seems they have not cashed the £1 cheque I sent with the CCA.

 

Is this likely to complicate things. Will I now have to re-submit the request.

 

NO NO...It's fairly normal practice for a DCA not to take the charge. As long as you have proof re the postage then there's nothing to worry about..Chill :) Everything's fine as it is.

Just hate every DCA out there

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OK what about this letter?

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR YOUR CLIENT.

Reference No: XXXXXXXXXX

 

Dear Sir/Madam

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.(Copy of your letter attached).

 

On 2 February 2007 you received a letter and a £1 cheque from me by recorded signed for delivery. The letter was dated 28 January 2007. The cheque was a statutory payment for supply of these documents under the CCA 1974. Enclosed with this letter is proof of delivery from Royal Mail, which clearly shows this letter was signed for on 7 February 2007.

 

The letter specifically advised you that you have a legal obligation whether you are the original creditor or not to supply certain documents under the Consumer Credit Act 1974. Failure to supply these documents within the timescales set out in the CCA 1974 is a criminal offence.

 

ScotCall Debt Collecting Services had until 23 February 2007 to supply the original executed agreement. As your company has failed to supply the agreement within 12 working days from receipt of the request, as per the Consumer Credit Act 1974 (s.77-s.79) Scotcall Debt Collecting Services have defaulted and can no longer collect or attempt to collect on this alleged debt unless the original agreement is supplied within 1 calendar month of the date of default. Attempting to do so is a criminal offence under the Consumer Credit Act 1974. The agreement has not been supplied, and you now have until 25 March to supply the information. If you fail to do so, you will again have committed a criminal offence.

 

In addition to the above requested document your obligation also extended to supplying:

 

a) Full statement of account including alleged payments and charges. NOT RECEIVED

 

b) Express written authorisation that ScotCall Debt Collecting Services can process my personal data under the Data Protection Act 1998. - NOT RECEIVED

 

ScotCall Debt Collecting Services has so far failed to supply any of these documents.

 

By sending the attached request for payment, you are in breach of the Consumer Credit Act 1974.

 

I look forward to your reply.

 

Yours faithfully

 

 

Dori2o

 

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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  • 2 weeks later...

I sent the letter above on the 20th March, they received it 21st March, and replied the same day. They have advised that they will now ask Cabot for a copy of the agreement, but they say they now have 40 days in which to do so, as they have not yet cashed the cheque.

 

Is this right, they have had my CCA since 2nd February, not cahed the payment, and now confirm they will send the agreement.

 

What do I do now?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I sent the letter above on the 20th March, they received it 21st March, and replied the same day. They have advised that they will now ask Cabot for a copy of the agreement, but they say they now have 40 days in which to do so, as they have not yet cashed the cheque.

 

Is this right, they have had my CCA since 2nd February, not cahed the payment, and now confirm they will send the agreement.

 

What do I do now?

 

Start the 12 working days from 3rd February and don't believe a word of the rubbish they're spouting! After a calendar month in default they have committed an offence, it's as simple as that.

 

Suffice to say, if you got a loan from the bank and then told the bank that you hadn't drawn the money yet so wasn't going to make 1st repayment 'til the following month what do you think they would do?? Methinks they would laff you out of the bank!

 

edit: Offence committed 23rd March 2007

:-) :-)Today's their last day! :lol:

 

Regards, Dave.

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Thanks Dave.

 

What is the normal practice once the deadline is up, do I send them a letter advising they have now committed an offence, do I contact the ICO, or Trading standards.

I've read so many threads, all with differing views, many of which are, don't correspond again, it's their problem.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Well todays the 26th, well and truly over the deadline.

 

I've read quite a bit on CCA's etc, and I've been reading the CCA1974 today, and it says:

 

(6) If the creditor under an agreement fails to comply with subsection (1)—

 

(a) he is not entitled, while the default continues, to enforce the agreement;

and

(b) if the default continues for one month he commits an offence.

 

If however, they supply the document after the one month, what happens. Is it enforceable, do I wait for them to take court action to collect the money?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Hi -- can anyone advise, do Scotcall act on behalf of clients or do they "purchase the debts" from companies, at a fraction of the debt, ie NEXT??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I think it's a bit of both. I've just challenged/disputed a debt that they were chasing me for & it was sent straight back to the client. Perhaps you can find out by asking them for a copy of the deed of assignment?

 

MM

Send me your mice!!

:D

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I've not heard a peep from Scotcall after CCA-ing them nearly two months ago. Time for a complaint, methinks!

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Well todays the 26th, well and truly over the deadline.

 

I've read quite a bit on CCA's etc, and I've been reading the CCA1974 today, and it says:

 

(6) If the creditor under an agreement fails to comply with subsection (1)—

 

(a) he is not entitled, while the default continues, to enforce the agreement;

and

(b) if the default continues for one month he commits an offence.

 

If however, they supply the document after the one month, what happens. Is it enforceable, do I wait for them to take court action to collect the money?

 

ANYONE?????

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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