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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
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    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Has anybody at any stage challenged the Sale of Debts to a DCA,

 

 

if the seller is prepared to sell a debt at a specific price why should the debtor not be offered to buy the debt at this price first????

 

 

I am aware most debts are sold in bulk and that there are different layers involved such as a debt being sold where payments are being made

 

 

,then another example debts sold where no payments have been made for a period of time they attract different selling prices,JUST A THOUGHT

 

FS

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As the original debtor was in a position to deal with the debt but didnt there is no incentive to either cancel the debt or to accept an offer from them.

 

 

The selling of a debt happens because it is a bad debt, it creates a hit on the accounts of the company but selling it raises some money.

 

 

The company buying it know that they have little chance of collecting all of the debt so only pay what they see as being a fair bet on collecting some of the value of the debts purchased.

 

 

it is a bit like insurance actuaries looking at life policies,

they know the previous form of the person and use this info to calculate their risks.

 

No incentive for the original creditor to accept a low redemption amount from the debtor or everyone would just not pay their dues and expect to be offered freedom for 10% of what they owe.

 

Anyway, it is not a dca as such who buy debts, they just chase them for other people.

 

 

Dont confuse the 2 different markets.

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Sorry I meant Debt Purchaser, not DCA,

 

Thanks for your comments

 

FS

 

One and the same in reality but a few are bigger than others which enable them to buy debts..but there still DCAs...because they will never be creditors in their own right.....

 

Andy

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  • 6 months later...

the seller of the debt has to send you a letter of assignment saying who now owns the debt. Usually the debt buyer sends the letter using the original creditors letterhead as they tend to buy a parcel of debts.

What many people do is ask for a copy of the deed of assignment, which you are not entitled to see as that is a B2B confidential matter.

No letter of assignment and as far as the debtor is concerned the debt is still to the original creditor.

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Yes, the NOA is almost always in the same envelope of the assignee, although printed with different letterhead, the paper and font is the same.

 

However, if the DCA refers to ''their client'' then it hasn't been sold on, and payments should still go to the OC, if they do indeed merit 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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