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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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good I'm glad I wasn't having a mental lapse.

 

so now you can complain to the FOS that the new owner is refusing to carry out an IRL investigation

ref you old case number

 

should be interesting...

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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Just a thought i is it true the FOS don’t deal with complaints that have been subject to legal action?

 

The repossession was a legal action but what about the IR compliant will it be dealt with as a separate issue?

 

I’m going through things that I need to be sending them and they all mention court action due to repossession.

 

So I’m just wondering where I stand here

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It’s the 30th tomorrow so that’s d day for an arrangement to be in place by. I haven’t made one. So initial payment is due anytime as nothing in place. I wonder if excel will be paying me another visit next week..

 

Not received any statement or requests for payment.

 

Fos complaint done last week. Waiting game now here.

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Fos have replied. Sent me a Ppi form to fill in against welcome for some unknown reason. Explained the Ppi aspect was sorted by fscs. And that that is irresponsible lending claim against new owners as any balance is due to all penalty fees and the IR. explained all this on the complaint form last week.

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it MIGHT snow on Christmas day too

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

Not very good news with the FOS regarding the IR complaint here’s the email I’ve just received

 

Thank you for your email.

 

It doesn’t look like Prime Credit or Alpha Credit are businesses registered with the FCA. That being the case it doesn’t look like we can consider a complaint against either of these businesses.

 

As you know, we have previously told you why we cannot consider a complaint against Welcome.

 

If you wish to respond, please ensure you respond to our [email protected] address.

 

Where and what now?

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no not unregulated

 

not businesses registered with the FCA

 

then how can they litigate at all?

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

is there an FCA number on the footer of any letters from prime/alpha etc?

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

No. But I’ve just come home to another letter from prime dates the day before solicitors letter. Look right at the bottom.

Your loan is administered by acenden on behalf of creditor acenden is authorised and regulated by FCA

 

What are you getting at here dx

Prime 11th Dec.pdf

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now why didn't we spot that before

 

time to start an FOS complaint against acenden then.

they are registered.

 

as far as i'm aware

I could be wrong

but me thinks whomever is taking you to court must by registered with the FCA to carry out financial things in the UK?

 

andy if you see this

your thoughts?

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

Ok what if I do a direct email back to the fos from the one I’ve just received explaining that acenden are the ones administering and to take everything I’ve put to them against Prime aim at acenden.

 

That may save time starting from scratch with the Fos. They already have everything re prime complaint

 

I did mention to you before that they were same address I found it on google

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why not

point to what you have discovered.

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

Here you go

 

Found this link online https://primecredit.webcustomerportal.com/welcome/primecredit. Have a guess what company administers my Morgage

 

why not

point to what you have discovered.

 

Email will go to Fos this weekend

 

Also to clairfy on court docs only prime/alpha are named on them not acenden

 

Any advice or help from Andy dx??

 

Going to send this to Fos. Is it ok??

 

I have just found this out it’s on the footer of every correspondence from Prime you also l have copies of these.

 

Your loan is administered by acenden on behalf of creditor Prime Credit 5 S.à.r.l. or Alpha Credit Solutions 4 S.a.r.l.

 

Acenden limited is authorised and regulated by FCA. And covered by FOS.

 

https://primecredit.webcustomerportal.com/welcome/primecredit

 

Am wondering could you help now? And continue this complaint with Acenden?

 

Every letter I’ve sent has been addressed to prime but it’s exactly same address as Acenden.

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certainly

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

my thoughts run with i'd let a judge decide that...IF it ever got that far.

 

as acenden are operating for 'their overseas client' I expet they'll know pretty quickly.

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

andy you seen this

they've issued a notice of restored hearing

are companies not registered in this conntry allowed to do this?

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

Any updates from Andy regarding this Dx?

 

What am I to prepare and have I got to send anyone anything.

 

Just had reply from FOS

Thank you for your email.

 

I have looked into complaining against Acenden as well as Prime Credit and Alpha Credit and even though they are regulated by the FCA and the Financial Ombudsman Service, they became regulated after you took out the loan with them in 2001. It is on this basis that we can’t bring your complaint against the business as it is out of jurisdiction.

 

I know that this is frustrating but if there are any other documents relating to your complaint that include other companies, please send those documents to us and we can look into bringing your complaint against them.

 

If you have any questions please get in touch with us.

 

Yours sincerely

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