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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Me and lots of old debt


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Hi,

Had a letter today from wescots saying that Santander are offerring a discount!

I do not believe them, so the letter is filed and ignored.

Pathetic really. Just because they are not getting a response, they think that by baiting a hook they’ll get somewhere. Nah!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Satansbank wouldn't offer a discount, unless they were discounting the fee and charges they refund anyway.

 

 

Wetcloths are equally as stupid.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you never reply to wetcloth

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’ll never reply to them!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 3 weeks later...

The clearly have thrown their teddy out of the prom, cos they say in their latest missive that if they don't hear from me they'll pass the matter back to the originators, the OC.

 

Fit of pique?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 2 weeks later...

hi Honeybee,

 

Having a nightmare with my printer/scanner at the mo, but should be with you v soon.

 

BTW. I reached the ripe old age of 65 recently, so all I have is the state pension.

 

I have moved in with my girlfriend though, so most of that is taken up with rent & bills etc.

 

H



 

We understand there may be a number of reasons why you have not yet addressed the outstanding balance on this account.

 

You may feel you are not in a position to start making an acceptable level of repayment against your balance or that you don't know how best to manage your way through your current debts.

 

We are specialists in establishing repayment plans that best suit the needs of customers and our clients. For the majority of customers we are able to agree a repayment arrangement tailored to their individual circumstances, which is both affordable and sustainable. lf you call us to discuss your current situation we can also identify the options most suited to you.

Choosing to contact us means......... You have an opportunity to take control of this account with re-payments that you agree and that you can afford v No further phone calls, letters, text messages will be sent from us v You have the potential to improve your credit rating.

 

To resolve this matter please call us urgently on the number above and one of our dedicated advisors will be able to help.

 

We can be contacted 7 days a week:-

Monday - Friday: 8am - 9pm

Saturday: 8am - 4pm

Sunday: 9am - 4pm

 

lf we are unable to discuss this matter with you to agree a way forward on your account it will be returned to our client in order for them to consider the next steps to be taken to recover the outstanding balance.

 

Yours sincerely

 

 

Wescot Credlt Services Ltd

Wescot Credit Services Limited

Registered in Scotland: Wescot is authorised and regulated by the Financial Conduct Authority,

Please note calls may be recorded for training and monitoring purposes

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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BTW,

 

Do I have to tell my OCs my new address?

Is it not acceptable for solely by email?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

Yes you shoul d tell the owners of you new address and not by email!!

 

Not sure how many more times we need to say ignore wetcloths!!

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

Yes you shoul d tell the owners of you new address and not by email!!

 

Not sure how many more times we need to say ignore wetcloths!!

 

I’ve ignored them from day one. They’ve never got an answer from me!

I’ll pen letter to the OC’s ASAP.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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only send it to the OC if they've not SOLD the debt on

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

Yes always always inform creditors of any change in address, this ensures you know exactly what they're up to regarding any ccjs they try and sneak through.

 

 

 

Also ensure your credit file is updated.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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All my creditors have sold the debts on. Do I really have to inform the dads?

 

Dca's

 

My credit file I access through noodle.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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ideally you should

you run the risk of backdoor CCJ's that you'll know nowt about until a bailiffs comes a knocking esp as DCA's own all your 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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Share on other sites

I’m confused now.

On the one hand, I’m being advised to stop all payments and that I won’t be pursued.

Then I’m told to inform everyone where I live, and that I could also get a cockpit via the back foot if I don’t.

Survey it would be better to reinstate the paltry payments I was making & avoid the cockpit.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

eh?

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. Fat fingers & small phone!

I’ve stopped payments to all my creditors now.

I believe I can update my credit file via noodle too.

I’m at Pain’s to avoid ccj’s too.

All I have is my pension.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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well you could write to each owner of each debt and simply inform them of your new address

or you can run the slight risk of a CCJ

but I doubt they'd get any money out of you as you are not on the mortgage/deed of where you live so they cant get a charging order anyway

and what income you have [pension?] would only result in £1PCM anyway too

 

so up to you.

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

I was paying the oc's at £1 pcm each when I stopped.

The first one , Santander, contacted wetcloths after I stopped payments when the dca failed an SAR.

I'm assuming that the same thing will happen with the other accounts.

So: I propose to change the address on my credit file, and write to each of the OC's to tell them of my situation.

I do not have the funds to pay these debts off.

For example, my rent is £300pcm. Add in my phone, car insurance and food contribution, and its all gone.

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

wners NOT the OC's if they've been sold on

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... 

Link to post
Share on other sites

I know. The DCA’s get the debt when it’s sold on.

I stopped the payment to the DCA when they failed an SAR for the Santander bank. That resulted in the letters from wet cloths that I’ve been ignoring.

I’ve ignored all letters from the DCA’s et the other accounts and paid the OC’s £1pcm. They are the ones that I’ve now stopped.

No one else has contacted me.

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

sar? to a dca that's a new one...

 

pers i'd simply ignore the lot and not even tell them you've moved

objectively a CCJ wont harm you anyway

but

it would be a bugger to get rid of if they did get a backdoor one

whereas if they are TOLD where you are then at least you'd get the claimforms [iF IF IF] and it can be buffed away.

 

theres no set rule as to what/if a dca that OWNS a debt will do

 

though sometimes if you move and don't tell them then you start to get massive discount letter a couple of months after moving [once you credit file catches up etc]

that SOMETIMES a pointer to them phishing to see if you will reply

if you don't then they go for the backdoor CCJ

 

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

I got the discount letter re the santander bank from wetcloths. Ignored that.

 

I really really don't want a ccj,

so I may just reinstate the £1 each month,

though I was hoping that I could get to the point, at 71, where the debts are statute barred!

 

Seems that is not possible now.

H

 

IF IF IF. I'm not sure I understand!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

as Ive said before if wetcloths client is satans bank

an OC does NOT do court.

but if the debt is sOLD ON then the buyer might.

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

I clearly need to go through each of the files to see who I need to tell then. Fortunately I have all the detail for each.

I did an SAR to abbey & got a huge ream of paper!

I think wetcloths got the detail cos moorcroft recognised I stopped the payment to Santander because moorcroft failed an SAR

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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