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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

DCAHell

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  1. Anna1s1 started following DCAHell
  2. DCAHell
    Thank you for that! I have nothing to risk. It’s disgusting that they can do that. I will continue to ignore them!! Let’s see what they do next!
  3. DCAHell
    They are powerless even though they quite obviously have paper work from the creditor?
  4. DCAHell
    Are you saying to complain to the FOS? They have sent various DCA’s over the years to chase the debt but they have never contacted me.
  5. DCAHell
    Hi Received a letter this morning from Moorcroft stating that their client has provided a completion statement for the repossessed property account and a copy of the signed declaration when i took out the mortgage. They state they will hold the account till 18/7 to give me time to contact them to discuss payment arrangements and if i require anything further in relation to information to contact them. What should I do? Any advise will be greatly appreciated as the statement is dated 3/9/2008 and i really do not want the 12 year clock starting again or getting a CCJ. Thank you in advance.
  6. DCAHell
    Thanks I have never been contacted directly by BM just their debt collectors .
  7. DCAHell
    What scheme is that so I can check?
  8. DCAHell
    Thanks for that . I will ask them for the paper work as I did that in 2010 and then never heard from that particular collector again but got another fishing letter from a different collector2 years later.
  9. DCAHell
    My home was repossessed following a relationship breakdown in 2008 by Birmingham Midshires. I was contacted in 2009, 2010, 2012 and 2013 by BM debt collectors chasing the shortfall and each time I did not acknowledge the debt but i did request clarification on how the shortfall came about in a letter from a solicitor I received in 2010. In all my correspondence I highlighted I was not acknowledging the debt to BM or to their representatives. Two weeks ago I received a letter out of the blue from Moorcroft chasing the same debt again and then the weekend just gone I got a chaser letter from them again threatening further action. I do not know where I stand now with this as BM or their representatives have not contacted me for over 6 years and I have lived at the same address this entire time only recently moving house. ir Do I contact them not acknowledging the debt and requesting further info on how the figure was arrived at? Or have they lost there chance to chase this debt as its been over 6 years since they last contacted me? Help!
  10. DCAHell
    "we are instructed to discontinue the above claim and accordingly enclose a copy of the notice of discontinuance today filed at court." This is how the letter begins. The notice of discontinuance states: "The claimant lowell Portfolio I LTD (and there is a tick in the box next to:) discontinues all of this (claim)"
  11. DCAHell
    I finally have an update, after so many protracted months; received a letter from Lowell Solicitors advising they plan on discontinuing the claim!! Apparently their clients decision was taken on a commercial basis without prejudice to its position that the claim was properly issued in respect of a legitimate debt. Does this mean they could restart proceedings again? Thank you so much for all your help. I will make a donation shortly!
  12. DCAHell
    I have received an email from the small claims telephone mediation service for provisional appointment time and date.... Is this where I say 'NO' to having enough information about the claim to allow me to enter into negotiations as they have not provided all the in information requested in my CPR request and 'YES' to the other two questions meaning mediation cannot proceed? Thanks in advance.
  13. DCAHell
    Great .... thanks !
  14. DCAHell
    Thanks! Also forgot to mention that I also received a a copy of an alleged directions questionnaire with covering letter dated 28/08/17 on 4/09. I received mine from the courts about a week ago. They have said on their form that there will be 0 witnesses, including themselves giving evidence. Does this mean they have no evidence to present??
  15. DCAHell
    i have received the notice of proposed allocation to the small claims track and directions questionnaire forms from the county court business centre. Is it still 'yes' to mediation?
  16. DCAHell
    Thank you very much! Will keep you updated.

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