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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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can you elaborate on what needs to be dealt with please?

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I can't afford the payments i have offered them 3.50 a week

they are refusing and are now staying it will go to next stages but are not saying

 

I got to wait for a letter

 

they're being really unreasonable from the start

and had people at my door three days after the first payment was missed

 

im not even living at my address no more but haven't told them

 

have been contacting them through email

 

what can the do next

 

the debt is about 800

 

Ice not them

 

I'm not handing back the goods

 

Can they find me of one moved also

 

I'm not sure I replied properly.

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How many agreements?

how much are the payments and do they include 5* cover or OSC and DLC?

When did you take the agreements out?

 

Do you have the items still and the original agreements?

 

Sorry for all the questions but in order to help we need as much info as possible

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They're just under £10 a week

it has accidental an theft cover

it was taken out end of October

an yes I have the item

but don't live at the address they have for me

 

can they get the right to come n. My home an take it back if they find me

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

 

The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL

Edited by martin2006

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I done this

but had the area manager on the phone refusing my offer

 

 

sent them numerous emails and proof of my change of circumstances

 

Can they find me at my new addresse

 

My creditors are temple finance

what is this addresse as I've got a different one for head office e

 

They also won't take off the tad as they say I don't have my own

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You should stay off the telephone - you need to make any offer in writing.

 

Whilst this will obviously give them access to your new address, they will be able to track you down via credit reference agencies, utility, electoral roll.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Would a court let them take the goods even though I have offered them payments

 

They caught me off a mobile no

I asked them to email to confirm they are refusing my offer

il not giving them my new address

 

Aren't utilities protected against data protection?

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

Ignore martin, hes had too much to drink :p...

 

Perfect Homes Address

 

Head office

Temple Finance Ltd trading as PerfectHome

Coleshill Manor Office Campus

Coleshill

West Midlands

B46 1DL

 

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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My apologies vi2016, i have amended the address given in post #7

 

Some utilities will report to credit reference agencies so yes in that respect, they can trace you via utilities.

 

They cannot repossess anything without a court order and they dont do that anyway from previous experience with them.

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Ignore martin, hes had too much to drink :p...

 

HIC :oops:

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

If its passed back to head office, wait for their reply now, unless you cant receive a reply since youve moved.

 

IMHO i wouldnt try to hide from them, it wont help further down the road

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

I've genuinely had a change of circumstances and have tried to come to a arrangement t

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

Please make sure that you dont keep posting over and over again... try to keep stuff to one post, it gets difficult to follow and tidy up the thread :)

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

that doesnt mean for one minute they will just walk away from your account, nor should you think they will

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That's why I'm trying to arrange a payment plan with them

but they are refusing and saying if I don't hand back the goods it will go to the next stage ,

do u no what this is ??

 

I don't want it to go on my credit history either

 

They're saying the least they will accept is five an I've offered them 3.50 a week

 

 

surely this is better than ignoring them an letting them go to next stages

 

 

they haven't visited as I complained and they said I have removed their rights now

 

 

I've fully corresponded with them in emails to try an resolve this

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paying a reduced amount, whether its 3.50 or 5.00 will impact on your credit file as it will be reported that you paying less than the contracted amount.

 

Firstly ask them to remove the unnecessary insurances, this will bring the weekly amount down, do you know how much the item would be without the insurances added on?

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I've already asked them to remove this in writing

they said unless I can prove I have my own insurance they can't take it off

 

 

it would be about 8 a week with out the insurance

 

 

do you no what the next step is after ive refused to hand back the goods

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I've already asked them to remove this in writing they said unless I can prove I have my own insurance they can't take it off it would be about 8 a week with out the insurance do you no what the next step is after ive refused to hand back the goods

Read the document.... Thats the rules on arrears reporting etc

 

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**Fko-Filee**

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They will no doubt mark your CRA with late or reduced payment markers, which, when this amounts to 3 months of arrears, could then result in the issue of a default notice, that will be sent to your last known address as held on PH system so if you havent Told them you've moved, you wont know about it.

If the defaulted payments are not brought up to date, they can register a default against you which will remain on your file for 6yrs, regardless of where you are living.

 

All the above info is written in the pages posted above by fkofilee

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Yes I read this so apart from it leaving bad credit which looks like it's out of my hands ,

so after I've refused to hand back the goods what's the next step

 

 

I've been told that after 12 weeks it will go to a debt collection agencies

 

 

do we no what's the next steps from them now

 

 

I'm hoping they will contact me via email as requested as I'm no longer st the addresse they hold for me

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What is the reason you are refusing to simply hand the item back, that would relieve you of the commitment and not have the impact on your credit file?

 

What is the item?

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