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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.  
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    • 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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    • 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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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Long time with Eurodebt...


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Good morning all,

 

I've been with Eurodebt for 179 months, yes over 14 years and yes I know I've been pretty stupid.

 

I can't remember exactly who the original creditors were but it was credit card companies.

 

Having got myself in a mess when I was not paid for work completed I borrowed on cards to keep me going,

much of the debt rocketed with the addition of interest and PPI's,

 

I claimed back the PPI's but I was still in debt and struggling,

foolishly it seems now ended up with Eurodebt.

 

I've just been blindly paying this each month,

there is no realistic chance of me paying this off,

 

I'm paying £71 per month, to three companies

CapQuest,

Cabot Financial and

DLC

 

I can't remember who the original creditors were but I think these have changed hands more than once.

What can I do?

Advice gratefully received!

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So you have a DMP with Eurodebt paying 3 debts ?

 

Can you list the 3 debts. E.g original creditor, type of debt ( credit card, loan type, current account overdraft), year you took out the account with the original creditors

 

Are you receiving regular statements showing the debts reducing ? Any interest still being added ?

 

How much in fees are Eurodebt deducting from your monthly payments ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Good morning,

 

I must apologise it seems the company is Moneysave but I'm pretty certain it started out as Eurodebt.

 

I cannot remember the original creditor but it would have been credit cards Cap1, MBNA, or monument possibly.

 

I have been receiving regular monthly statements for the last four months. Moneysave are taking £35 with £36.05 showing as distributed to creditors. the balances are exactly the same on the first statement as they are on the most recent received a few days ago they are;

 

Cabot 1702.97

CapQuest 3870.56

DLC 47799.38

 

Cabot are showing as still charging interest but I've just noticed the totals for the balances are the same for the last four months..

 

To add to that the years these cards would have been taken out would be late 90's early 00's, the first disbursement is showing as february 2004.

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dump them now

simply stop payments

 

get an sar running to them

there might be an F&F pot sitting around to reclaim.

 

bet your debts have been sold on again and again..

around their DCA mates

 

here you have some, we've had holidays and parties on him enough now

 

no dca will get cca's for cards that old.

 

on the cabot debt get an sar running to the original creditor.

once you confirm they terminated the card, go get that interest back off cabot

 

ruddy fleecers

 

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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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, Thank you for this, but just so Im clear I send a SAR to Moneysave/Eurodebt?

 

If I stop paying them Moneysave/Eurodebt are the DCA's then going come after me and if so how do I deal with them?

I'll try and find the original creditor for Cabot and send them a SAR.

What about CapQuest and DLC will they at some point threaten court?

 

Re the debt, yes I believe they have been sold multiple times!

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we'll deal with the dca's as you get their letters

 

sar the DMP Co.

sar original creditor of the debt cabot now own.

 

have you moved / changed name since taking these out?

if so have you informed the DMP Co. each time?

 

make sure you read the full sar link 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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OK thank you very much, I'll do that now.

 

The original cabot creditor was Cap1 and looking at some old paperwork it looks like it was originally sold in 2006 to NCO collections?

 

No I haven't moved so all my details will be accurate.

 

I'll keep you updated as and when letters start arriving! Many thanks.

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Is that DLC debt of over £4700 a mortgage related debt i.e a shortfall debt after repossession.

 

If it is then you have to be more careful and we need more info.

 

It is different to a credit card debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good.

 

Stop payments.

 

SAR to Moneysave. ( Ask for a complete record of all payments they have processed and information they have on file regarding each debt).

 

You may get letters from Cabot, Capquest, DLC, but don't worry about these. But never ignore any court claim at any stage if one was ever issued. Come here for advice. These debts are so old now and you have paid much more than these DCA's would have bought the debts for. So every chance you might never have to pay any more.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good morning,

 

the Cabot debt was Santander and they have acknowledged the SAR.

 

Moneysave/ Pentagon UK Ltd have sent a SAR request response form, which includes the requirement for two proofs of identity, (photocopies are ok apparently).

 

I didn't sign this one just printed my name,

they are asking that i return the form signed with the relevant information and they will then respond to my request,

is this normal enough for me to supply said information?

My mistake I mistook Debt management company for debt collection so didn't sign.

 

Many thanks.

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send em a copy of your ctax bill

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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Good morning,

 

So the first letter from Cabot arrived yesterday, noting that I was no longer using the debt management company and giving me a 14 day hold, the letter was dated 18th September.

 

The final line was 'If we do not hear from you or your chosen debt advisor then we will continue to try to contact you through our normal collections team..'

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Good let 'em arm wave

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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Good morning,

 

a reply back from Santander saying they confirm they have located an MBNA account and have given me the address to write to, so presumably I will start again with MBNA?

 

Moneysave told me it was a Santander account,

are they or were Santander and MBNA linked?

 

Depending on your reply I will send a SAR off to MBNA tomorrow...

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Early abbey cards were by MBNA

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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Good afternoon,

 

Well this is interesting.

 

I've had a reply from Santander this morning in which they state the accounts they have located is a retail store card, I have never owned a retail store card. However they have provided one copy of 'An application to open an account', dated 15/02/02.

 

All the details on the form are correct, current address at the time (which is the same as now), previous address plus contact details and signature, the only oddity is the first box which states my name and address isn't my handwriting and looks like its been written in a different pen. The other boxes are my handwriting, Curious...

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well that would be a GE money store card then with?

 

 

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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Ah yes on closer inspection it says GE Capitol Bank and the box marked 'Hawkshead' is ticked. I don't recall having any store cards least of all Hawkshead nor do I recall or indeed have anything with GE capitol bank on it...The handwriting is still puzzling me though!

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Good afternoon,

 

today brought forth confirmation of SAR received from MBNA and a letter from Capquest on the same lines as the Cabot letter i.e you have a 14 day hold we will continue our collection activity on or after 26th October.

 

i'm assuming the same as Cabot, file and wait?

 

Many thanks.

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