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    • Thanks BankFodder for your latest, I'm in complete agreement on the subject of mediation and will be choosing to decline mediation, the longer timeline is not an issue for me, I will happily let the going to court run it's course. I really appreciate the support from the Consumer Action Group. I'll post the email text I'm sending to Evri's small claims in answer to their recent defence response. Regards, J
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
    • Nice to hear a positive story about a company on this form for a change. Thank you
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JDW-Ambrose debt - Reliable Collections - Now Sold To Lowells


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Had a letter today informing us that they have "Made an appoint to contact us on Weds between 6 and 8".

 

which is news to us as the only communication we've had is a letter from us to JD Williams offering £30 a month which they have ignored.

 

So, can we expect harassment by phone or someone trying to collect our doorstep?!? ;)

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Could be either, but you are under no obligation to discuss anything which ever method they attempt, refuse to answer 'security questions' any doorstep fetishist should be invited to leave as a doorstep stuffed where the sun don't shine could be a tad painful:madgrin:

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that's a std letter

 

they never say WHICH Wednesday

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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Thanks... guess I'd better buy a doorstep tomorrow... just in case ;) x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Thanks... guess I'd better buy a doorstep tomorrow... just in case ;) x

 

Pick on with sharp ragged edges and apply as in post 2:jaw:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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prob be all charges anyhow know cat debts

 

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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Well let 'em come... I've got the mother of all headaches, had a s**t day at work and am spoiling for a fight... :)

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 4 weeks later...

Hi

 

Been receiving "threatograms" from this company now, even though we have written to Ambrose Wilson on numerous occasions offering a reduced payment.

 

The latest one (dated 2 days after we wrote to AW and sent it signed for

- and sent a copy to the charming RC Ltd) says that our conduct is unacceptable and will not be tolerated... guess that's us told then!!!

 

I wrote to them on the 17th July:

 

I am in receipt of my latest statement and a letter from Reliable Collections, and I have to admit that I am at a loss with regard to the tone of both of these communications.

 

Despite writing to you both more than once, informing you of my financial situation and offering to make regular payments of £30 a month,

my letters have gone unacknowledged. I therefore find it rather incredible that your communications state:

 

“Despite numerous attempts by, our client, Reliable Collections Ltd to communicate with you about your debt, you have failed to bring your account up to date…

 

“We are prepared to help but you must talk to us and share your situation with us…”

 

As stated above, I have made more than one attempt to communicate, in writing, which is the only way that I am prepared to discuss this matter.

 

To reiterate, I am prepared to make regular monthly payments of £30 and if interest or other charges are being added to the account

I would be grateful if you would freeze these so that all payments made will reduce what I owe.

Should my circumstances improve I will contact you again immediately.

 

I would be happy to make the payments in line with the offer to your company, on a monthly basis commencing immediately.

I would appreciate it if you could send me a paying-in book / standing order form to make it easier to pay you.

 

I look forward to hearing from you as soon as possible.

 

A copy of this letter will be sent to Reliable Collections Ltd.

 

and have received no response...I am thinking of sending this now...

 

I am in receipt of your latest, and to be perfectly honest, quite offensive “threatogram”.

Please see enclosed a second copy of the letter I wrote to Ambrose Wilson on the 17th July (one was also sent to you on the same date).

 

Please be advised that I am only prepared to deal with this matter in writing with Ambrose Wilson, and I shall certainly not be paying your administration charges.

 

Suggestions... comments... doorsteps that you would like them to collect :lol:

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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pers I think it time you stopped letter tennis.

 

is this debt on your cra file?

what is the default fdate?

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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Hi, will check and get back to you asap.

 

Thanks

 

Hi, it is listed as late payment.

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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so there is no default date in the debt summary

 

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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Share on other sites

fine?

 

how much is outstanding and when did you start this cat?

 

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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Account type Mail Order

Account number *************

Account start date 19/05/2010

Regular payment £ £ 23

Payment start date 19/05/2010

Repayment frequency Monthly

 

 

Ambrose Wilson LTD

£ 679

20/06/2013 Late payment

 

RC Ltd total as of 19/07/13 = £743.97

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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strange they don't actually want payment

you could do it via internet banking and stuff 'em

 

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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Share on other sites

Sorry, brain has melted... can you elaborate please... sorry to be a pest

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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your internet banking webportal.

 

the sort/account number to use are on the reverse of all statements

 

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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Guess we need to sign up for Internet banking :). And then we just pay the amount on a monthly basis, and ignore any threatograms?

 

Thank you for your help

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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the easiest and most controllable way

to pay bills

you click each month you pay it when you can

 

pers I don't use DD or SO

 

I always make manual payments via a bill list

 

most webportal banking does it. [bACS]

 

you might already be signed up

you just need to activate it.

 

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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Thanks so much - will look into that - you've been a great help

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 2 weeks later...

Well, we made a payment

 

 

today we received a letter saying they will accept the £30 offer (every 28 days!),

 

 

they will write and tell us what day to pay,

 

 

and no they won't freeze the interest or charges.

 

 

.. but will review things in six months!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Hi, me again...

we have had two letters from Ambrose Wilson accepting the offer and asking us to pay by direct debit,

and one from RC Ltd also agreeing to the offer and asking us to pay them directly!!!

Edited by MorganaNK
Because I am an idiot

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Help needed please:

 

Letter from Ambrose Wilson dated 31st July

- thank you for your recent letter regarding your account.

 

In light of your circumstances we will accept your offer of reduced payments of £30 every 28 days.

Your account has now been placed on a payment arrangement,

as a temporary measure to help you whilst you are experiencing financial difficulties.

 

A further letter will be sent to you to confirm the details of this arrangement and the date that your first payment is due.

This arrangement and your financial situation will be reviewed in 6 months time.

 

You must ensure your payments reach us on time and in full,

by the due date shown on your statements,

as failure to maintain the above agreement will lead to the arrangement being cancelled,

and your minimum payments reverting back to the original contractual instalment.

 

We note your request to suspend interest and charges on the account,

however, we are unable to agree to this at this time.

 

Your account and financial situation, however, will be reviewed in six months time.

 

To also help you maintain your payments and for your own peace of mind,

we would advise that you contact us to set up a direct debit on your account.

 

Payments will be taken directly from your bank every 28 days,

which will ensure your account remains up to date, avoiding calls, letters

and administration charges and a mandate has been sent to you under a separate cover. ...

 

Letter from Ambrose Wilson dated 1st August

- thank you for your request to make payments by direct debit.

Please complete the enclosed mandate and return it to us.

We will then set up a payment service for you.

Once your direct debit is arranged we will collect payments every 28 days etc...

 

Letter from Reliable Collections Ltd dated 2nd August - notification of an agreed payment plan.

£30 to be with us by 29th August 2013.

 

We sent a letter yesterday saying that we would pay by Internet banking and only to Ambrose Wilson,

and that they needed to make this clear to RC Ltd as we weren't paying two companies for one debt.

 

Letter today from Ambrose Wilson not dated

- here is your credit account statement managed by Reliable Collections Ltd.

It includes transactions on your account up to 1st August 2013.

 

Your Minimum Payment of £30 is due by 22 Aug.

you can now set up a direct debit online in three easy steps etc...

 

The statement shows the opening balance of £719.97, two administration charges of £12 on the 4th and 18th July,

the payment of £30 on the 25th July, a credit charge of £20.08 on the 1st August and a closing balance of £734.05!

 

Please can anyone advise what the next step is?

 

I intend to keep on making the payments via the Internet banking to Ambrose Wilson..

. But at this rate we will never make a dent in the balance, and the dates seem to vary!

 

Help - and thank you

 

Mo

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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neither are helping you.

 

pers i'd be following this

and ignore what they are saying

 

there is NO POINT

in paying if they are adding charges/interest.

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

and i'd be sending that to JDW head office

 

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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dx - I knew you'd have the answer... thank you :) x

 

One final question... reclaim? Can you point me to a thread or letter I can read to understand better what I want to ask them for?

 

Thanks again x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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