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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
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    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
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    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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Fredrickson and old BT debt


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I dont know whether to laugh about this or be very cross.

 

I am helping a friend with his debt with Fredrickson, personally I dont think it should have been passed to them in the first place as its a disputed debt with BT and they have refused to discuss it further with my friend and so then passed it over to these monkies.

 

I have written to them enclosing a letter of authorisation so that I can deal with this for him.

However because I used his initial in the address and not his full name, albeit where he had signed his name it is in full and quite clear 3 lines down, they are refusing to deal with me wanting me to put his full name but they havnt said where I should place it??

 

Their reply.

Good morning

 

Thank you for your e-mail.

 

Unfortunately I am not able to accept the attached as authorisation to discuss this matter with you, as it does not confirm the named person's full name.

 

I kindly ask if you have are to provide us with another letter providing you with authorisation.

 

Kind regards

 

Now if they still refuse to deal with me what would be my next step? Do I place a formal complaint if so to who?

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It is pedantic, but i suspect their Data Protection rules require full name and not just initial. As an argument point, they could have 2 people with similar debts at the address, sharing same initial and surname.

 

They should deal with it properly when resubmitted. If they don't, i think the FOS or ICO can intervene. I think FOS can deal with DCA issues, even if not a finacial services original issue. The ICO in relation to refusing to release data.

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who are freds clients?

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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Oops well you just wasted several weeks

Deal with BT only

 

DOH!!

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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