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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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Nationwide debt -NCCS/KRP now MKDP - **ACK'd Now SB'd**


cleo4patra
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Had a very strange letter today from a debt collection agency for NCCS .

 

 

I had CCA'd Nationwide and had no response

- I sent non compliance letter ( cannnot demand payment , pass on to DCA etc).

 

 

What I don't understand is that the DCA have written (without prejudice) offering me a disounted settlement with no detriment on my credit file

- limited offer for seven days only)

 

I am puzzled - any ideas??? thanks Cleo

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Am unsure what to do next - may write and ask exactly what they are offering?

Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Ref No: xxxx

 

 

Dear Sir,

 

Thank you for your letter dated xx/xx/xx, the contents of which have been noted.

 

However your client, Nationwide have singularly failed to respond to my letters dated xx/xx/xx and xx/xx/xx whiich required them to supply a true copy of a properly executed Consumer Credit agreement.

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

Yours sincerely

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That is a very good letter - thank you. Do they ever settle ?

well on further investigation K P R debt collector is actually Nationwide. To look at the letter you would never believe it. At very bottom in tiny print "K P R is business name of Nationwide Building Society"????? It is quite deceiving.

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  • 2 weeks later...
Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Sent said letter Ie no CCA etc - but KPR have now sent final demand!! The account is still indispute so is there a further letter to send please?

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I am unsure of next step?? Can anyone help please??

 

I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

strangely enough I sent that letter today after having a good trawl on this site!!

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  • 1 year later...

i have received a demand from wescot for an NCCS credit card that has already been to several DCA's. Have been through all of the procedures - collected a supposed "Agreement" from the branch. This consists of a copy of a "Priority Application" with absolutely NO prescribed terms whatsoever. NCCS and all the previous DCA's KNOW this. Wescot insist I have to pay in full. All the form consists of is:

name and address, password, PIN issue,

Job title,

Card Protection plan and my signature, no payment terms , credit limit no APR or interest rates. Help!!!

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

thanks - I have been through all of the ususal stuff - however I have now referred them to the latest judgment Southern Pacific Securities v Walker and referred to the paragraph - missing prescribed terms = wholly unenforceable. Lets what happens now.

 

many thanks

 

Cleo

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  • 4 years later...

well - it's been ages since I posted on this thread

- been having letters for ages from MKDP

 

 

">>>>we are trying to find a copy of your agreement....."

(I picked a copy up from the Nationwide branch years ago and it was application form no prescribed terms.

 

 

Now I have received a letter from them today"..

 

 

.we are concerned that correspondence addressed to you has been returned from your address.

 

 

In response to the returned mail received,

we have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases

and this information has led us to understand you still reside at the same address

... please contact us to discuss further..."

 

NOW I AM NOT PLEASED!!!!!

 

 

I have not sent any mail back and I think the letter implies I am being deceitful/underhand.

 

 

I believe this debt is not just unenforceable but also SB now.

 

 

Anyone else had such a communication????

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  • 3 weeks later...
  • 2 months later...

Had a letter today from MKDP - for ages and ages they have sent me letters "still trying to deal with your complaint...."

 

 

after they received my Statute Barred letter

miraculously they have found a copy of the "agreement"

 

 

which is copy of application form same as I collected from the branch years ago (see posts on this thres)

they also enclose a copy of a letter I sent to Raven Revoceries in June 2012 -

this letter explains I only ever received app form copy/quotes cases/ unenforceable etc (think its a template letter).

 

 

They say this letter counts as acknowledging the account.

 

 

Anyone help please?

 

 

have had response from MKDP to my letter . I explained had sent no mail back and also that this was now SB under Limitation Act. MKDP have "noted my dispute.......and are contacting Nationwide...... all collection activity now on hold......."
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why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

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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I need to go through the paperwork again

- I think I had nothing from anyone for ages which may explain the gap.

 

 

I thought if it went to court it was perceived as not good practice to not reply.

I didn't realise they were the same organisation either.

 

 

They say this their final decision and I am liable for the debt.

 

 

I know that I haven't paid for over six years .......thanks for your input

 

 

why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

dx

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once a CCA request fails

 

 

its always best to stop all letter tennis.

 

 

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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  • 10 months later...

Letter from MKDP (I sent them the Statute barred letter a while ago) apologising..

 

 

. "I can verigy this account is now closed and you will be no longer pursued for the debt..."

 

 

Apologise for distress and inconvenience and enclose a cheque for £50!!!.

 

 

I understand MKDP are now "Hoist"?

 

Anyway it was nice to get the cheque

 

 

however my name is incorrect on the cheque so they are sending a replacement ...

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  • 2 years later...

well : I tried to claim PPI for this in 2016 but was deemed not mis -sold. I had forgotten I claimed to be honest and recently went through some paperwork and sent them another claim. Received letter saying had previously tried with copy of rejection letter. Further letter saying undisclosed commission : greater than the 50% threshold and a cheque on the way For £700.00 + !!

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another plevin win then...

 

 

well done

 

don't forget to donate if you can to keep us here.

 

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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