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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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Old A+L Loan charges reclaiming + CCA return


Simon1959
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RE:

https://www.consumeractiongroup.co.uk/forum/showthread.php?483703-been-paying-Gregory-Pennington-12yrs-now

 

Yes all of them I was expecting Santander to at least contact us ,as this is the only original creditor and they havn,t even acknowledged she owes them anything

 

How do you go about claiming charges back from some of these old accounts is there a template we can use and what charges can you claim back

In other words I have no idea how to go about this or what we can try and claw back

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  • 2 weeks later...

you'll need all the statements first?

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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fixed sum fees

dd unpaid, late, over limit, letter, phone

 

you'll spot them £12,£15 £25 etc etc.

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...

Santander have contacted us with a notice of sum in arrears the amount owed is £535 on a personal loan

This is in reference to missed payments from November when she left the debt management company

They would like her to contact them to help her pay it

So as this seems to have slipped in under the radar is it a case of

A = sending a CCA request

B = SAR them for charges

C = Offer a F&F settlement for 50%

D = Ignore them

 

I would have thought they have the CCA although it was from approximately 13 years ago

I would imagine that it's riddled with charges

I doubt that they will except a deal unless it's unenforceable

Ignoring them will probably lead to a CCJ

 

I've probably answered my own questions really but would just like an opinion on which direction to go in

Thanks

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a and b 1st!!

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

sar is everything

if you await +25th under GDRP its than free

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

read the sar carefully

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

Without sounding a bit dim

should I be reading the letter I send them carefully or the legislation regarding SAR requests

 

It appears from what I have read that it's more medical information that an extra charge can be levied

 

Ah I have just read the new (free one ) it appears they can charge a reasonable amount to cover the cost of supplying the info

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one fee gets everything

if you await till the 25th under GDPR it will be free

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

  • 4 weeks later...

Just received a signed credit agreement from Santander (old alliance and Leicester a.c.) statement of account to follow which I'm assuming is riddled with charges

Is there a template letter on here to use to claim them back

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pop them in the FOSCISHEET first

see shelley thread or martin2006 thread

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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I'm still waiting for the statement of account even after having a copy of the signed credit agreement Santander don't seem to be pushing it considering there's been no payment on this account since November

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let it run

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

In the letter from Santander accompanying the signed credit agreement from 2005

 

It states "under the consumer credit (cancellation notice and copies of documents) regulations 1983 we can comply with the legal requirements by sending a copy of an agreement in the same form as the one that was signed ,

but excluding the signature box , customer signature and the date of signature

 

Is this correct

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Getting a copy of your credit agreement | National Debtline

https://www.nationaldebtline.org/EW/factsheets/Pages/.../credit-agreement-advice.aspx

Know your rights when asking for information about your credit agreement. Advice on how to ask for the information and how your creditors must behave.

 

might help, in any case pre 2007 CCA1974s must be an actual copy of original ( original with signature>?) comes to mind?

 

 

others will respond also

:mad2::-x:jaw::sad:
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Yes they are correct, HOWEVER!,

 

 

You would always question as to why they felt the need to supply a copy of the original agreement with the signature box and date it was signed redacted, surely if they had it they would send it in its entirety.

 

 

When they fail to, then it is either because they don't hold the original document, which they will need to produce in court, OR they are lying about holding the original and hoping you'll fall for their lies by accepting their untruths and giving in.

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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