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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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debt managers/Walker Love - decree threat-o-gram - old next storecard debt


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Hello all. I am hoping for a bit of advice please.

 

I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell).

 

The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments.

 

You know the story...it ended in the default.

I never denied my debt..

 

.I emailed and called offering payment several times and was dismissed.

..I was told that their agents would be in touch.

Several months later it was sold to Lowell for pence to the pound.

I have not paid them a penny to date.

 

I know that Walker Love are sheriff officers..

.and wonder about the seriousness of their letter?

 

I would rather make payment in small amounts than face any further damage to my credit file. I have already suffered for several years now for my silly mistake.

 

My question is how to proceed with them to avoid further hassle?

I cant afford the full payment, bills aside I have very limited disposable income.

Edited by dx100uk
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Walker Love just acting as debt collectors.

 

If they want to issue a court claim, they need to issue a specific letter headed letter before claim or similar, saying that they will issue a court claim if you do not respond with x number of days.

 

Others on this site are far more knowledgeable about Scottish debt collection, so you may get further replies from them later.

Edited by dx100uk
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We could do with some help from you.

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Thanks for your reply unclebulgaria67.

This is not a headed letter like you say.

 

I was going to email walker love this morning and have been looking in to cca requests/prove it letters etc

 

I am thinking if they dont have their paperwork in order they cannot pursue it through the courts?

 

I am wondering now if I should maintain no contact instead and sit tight until I receive the letter you mention?

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Scan/redact/upload the letter then we can see what it states...verbatim

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hopefully that has uploaded correctly.

 

I just received an email from them also of a similar nature.

 

I am unclear as to how they have my email address!

I can only think it has been retained from the original creditor next because I have not been in touch with debt managers ltd at all.

20180626_120859.jpg

Edited by dx100uk
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Walker Love just acting as debt collectors.

 

If they want to issue a court claim, they need to issue a specific letter headed letter before claim or similar, saying that they will issue a court claim if you do not respond with x number of days.

 

Others on this site are far more knowledgeable about Scottish debt collection, so you may get further replies from them later.

 

The new Pre Action Protocol only covers England & Wales UB

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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You could copy them in..although its the creditor that must comply.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Upload in post 5 hidden

Youve left ref no. Showing

 

Block and bounce their emails back

 

Thread title updated

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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Just remember any doorstepper has zero legal powers

A dca is not a BAILIFF

And anyway neither exist in Scotland as such

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

Just remember any doorstepper has zero legal powers

A dca is not a BAILIFF

And anyway neither exist in Scotland as such

 

Thanks.

 

I am just finding them scary as I know they act as sheriff officers also so maybe they mean business more than what I have previously encountered.

 

But if they are acting as a DCA then i will chill until i get a reply re my s.78.

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As do bailiffs south of the boarder

But in this instance the letter clearly says..debt collection

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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