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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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Hi All,

 

I am hoping someone can share experience or offer some advise.

 

I set up an IT contractor insurance with Kingsbridge back in June when I was about to start my first contract role.

The policy covered me for Professional Indemity insurance and I was quoted £45.00 a month.

 

I agreed to the Insurance plan, two months later I got a better deal through my Accountancy firm I was dealing with.

I cancelled the direct debit and notified Kingsbridge.

 

I have now received a letter from Close Brothers Premium Insurance stating I owe them £384.00 for the full insurance policy and it is required upfront.

If not, they have threatened to send the debt to a third party collection agency.

 

My insurance cover is now cancelled, so unsure what services the payment is meant to be covering!

I have e-mailed them last week on the customer services account, but I have heard no response, it feels like they are just ignoring.

 

Do I have any rights in this matter?

What would be the best course of action, bow down and agree a payment plan or dispute the debt.

 

Thanks & regards,

 

David

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because you chose 12 monthly payments

the finance would have been set up through Close Brothers Premium Insurance

under a credit agreement.

 

looks like the ins co. failed to tell them the deal was cancelled.

 

a DCA is not a bailiff

and has

NOT SUCH LEGAL POWERS.

 

you can either ignore them or complain to your ins co.

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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Thanks Dx100uk.

 

I would love to ignore them, but trying to get my credit history improved, so fear this will be antoher bad marker and will reduce my points scoring.

 

Maybe an option is to offer than a settlement figure perhaps.

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eh?

 

it shouldn't be showing.

 

you don't owe anything you cancelled

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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If you stopped the DD then you have defaulted on the finance payment arrangement ...so they will default you.

 

As DX states they pay the insurer the monthly premium......so you still owe CB any monthly drawing/s not paid

 

Looking at their T&Cs they require 2 months notice to end the finance agreement.

 

 

Andy

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Thanks Both.

 

So if I was to re-enter the payment plan with CB would I covered for Insurance again?

 

Looks like Kingsbridge have a win win situation, they have been paid in full and no longer have any insurer liabilities.

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no you don't

and no you wont be insured..

 

close personal finance

just like their parent company close brothers

are a .......

 

they have always pulled every trick in the book to line their pockets.

with ill gotten sums.

 

you cancelled the insurance with knightsbridge

they should have returned any money they held back to close PF.

 

yes they will try and trash your credit file

you must be firm with them

send them proof you cancelled

let them fight it out with knightsbridge

 

close financed your monthly payment tehey sent to knightsbridge

they didn't give them it all upfront

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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Thanks DX100UK,

 

Close Brothers are just refusing to reply to my initial e-mail. I have today e-mailed Kingsbridge to ask them what the status is from their side and why I am getting hounded by Premium Finance.

 

Do I need to send any kind of correspondence to Close Brothers, wary they will pass to a DCA who may issue proceedings against myself.

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stop emailing WRITE and get free proof of posting from the PO counter.

 

lets be clear here as you seem rather green

a DCA is NOT A BAILIFF

they have NO LEGAL POWERS WHATSOVER.

 

only the 'owner' of the supposed debt' can take you to court

read the correspondence CAREFULLY.

 

doesn't say WILL anywhere

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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Thanks. If the DCA buy the debt from Premium Finance, would they not be legal owners of the debt in their own right?

 

I will send them a letter via the PO with proof of sending. Is there any recommended template to send?

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no template no.

 

close wont sell it on.

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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  • 1 month later...

Hi All,

 

I have had a recent devleopment on the debt with Close Brothers.

 

A letter was received yesterday from a companyt called 'CARS' who are demanding the full and final payment of £327.00 to cover the Professional indemity insurance. I cancelled the insurance months ago and I am no longer insured.

 

It feels like they the next step will be for them to issue proceedings against myself, does anyone have any advice on the best tactics to respond with?

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No read it properly..

Doesn't say will anything

And cars are a totally powerless DCA

 

A DCA are not bailiffs

Ignorr

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

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