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    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
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10yrs on DMP - was byrom & keely now Stepchance


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Hi,

 

For over 10 years I am on DMP.

 

I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors.

 

I have over £ 50k in debt and pay £240 pcm.

 

As me and my husband are retired that money is very needy.

 

I was thinking of stopping DDR and try to sort out the debt.

 

Could anyone give me an advice where to start?

 

If I stop DDR can the debtors put a default on my accounts?

 

after receiving numerous phone call a day I got myself into DMP with stepchange;

 

recently I have discovered consumer action group and I decided it is time for me to act .

 

My plan expires in 2037 and I have already paid them more then they bough my debt for,

 

my question is

do I need to cancel direct debit first or I can send them a debt validation letter?

 

did anyone have similar problem?

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Lets give you advice to get rid of this debt once and for all.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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list your debts first please

 

original creditor

type of credit

amount owing

who you pay through SC now

defaulted date.

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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it is STEPCHANGE charity organisation, previously I was with byrom&keely but they were charging me £30 per month for just for talking to my debtors;

apparently that charity I am at the moment with are doing for free

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Yes apologies, you're quite right, STEPCHANGE are a FREE charity. (well done!)

 

Your credit file will be trashed anyway, and marked with defaults, or AP markers, have you looked at your CRF?

 

Please list all of your creditors, what the accounts are and rough amounts each one is owed.

 

And WHO you're paying.

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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post 3 please

 

 

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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cabot financial used to be CITI cc - owe them £13430

Moorcroft used to be abbey cc - owe them £3774

nco(Europe) used to be M&S cc- owe them £9564

 

the question is do I send the letters first and them canx DDR with stepchange or do I need to canx DDR first and then send the letters?

 

I just checked my credit report and it seems there is only 1 cc showing /cabot one.

not really understand how it works?

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you don't send or do anything yet till you get you ducks inline

 

who are NCO and Moorcrofts stated clients on their letters please?

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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ncoeurope but on stepchange statement is says: nco-arrow/capquest; don't remember seeing any paperwork from capquest thou ; it used to be M&S cc

 

Moorcroft debt recovery ltd ; used to be abbey cc; every year they send me settlement offer and usually it is around £1500 less then my debt

 

don't have any finances so I cant pay them anything

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so the M&S card has been sold to arrows

 

Moorcroft dont own debts so there must a client , I doubt its still owned by abbey [satans bank now}

 

you need to find out who owns the debt

as that's where the CCA request needs to go

one for each card.

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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Moorcroft is managing my ac on behalf of arrow global and abbey probably sold my debt to them;

 

I would like to get advice how to proceed with the letters- shall I keep DDR with stepchange in place and send them the letters or just canx sterchange and then send them the letters?

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ahh... we got there in the end

so

2 X CCA request to Arrows

1 X CCA request to Cabot

 

you don't stop paying till they fail the CCA request deadline

 

12+2 working days.

 

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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I don't have any correspondence from arrow global only Moorcroft as the red bit post 11

 

Thank you very much for your help, will post all my letters tomorrow, recorded delivery, just in case.

 

is the CCA request the same procedure as Conditional Acceptance ?

nope dunno what you mean by Conditional Acceptance

 

don't waste money on recorded delivery

1st class post with free proof of posting at the PO counter will do

 

just do the letter

leave the envelopes open

pop along

get the 3 £1 PO'sat the counter

pop one each in each envelope

seal it hand it back

get proof of posting

then await 12+2 working days.....

 

read the FULL CCA request

and ALL its posts

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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COnditional acceptance is a FOTL trait. The stupid 3 letter crap

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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oh yes

well already advised to not use that Freeman of the land twaddle

so there you go.

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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  • 3 weeks later...

Two weeks passed yesterday; sent out 8 letters.

 

3 of them did not reply to my request;

 

one of them mentioned statutory 8 weeks.

 

PRA group sent me a letter with attached information that even when my debt is unenforceable I still owe them money and if I don't pay it will affect my credit rating and also they need more then 12 days to respond.

 

they all want more time.

 

How long do I need to wait for the paperwork?

any suggestions?

 

Stepchange collected the monthly payment although the once who responded put my accounts on hold.

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Load ole twaddle

They always sprout

 

They have 12+2 working days

If any have failed that

Stop payments

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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They've already all been defaulted haven't they

Or no longer show

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

where did they get 8 weeks statutory reply from?

 

Who cares?

 

They have 12+2 days, we all know that, so do they.

 

If they have failed to respond with the correct enforceable documents, then STOP paying them.

 

You need to tell stepchange which accounts they need to remove and stop paying, otherwise, your CCA requests are as much use as my cat learning Chinese.

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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