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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • 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
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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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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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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