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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • 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
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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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Cabot and Express Gifts debt - CCA failure


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I recently made a section 78 CCA request to Cabot who I have been paying a debt off to for 2 years.

There was another 12 months left until I realised I could make a CCA request to them.

 

I received a reply today saying that they could not get the info from the original lender, and the account is unenforceable.

 

What data position does this place them in?

 

Can they still request from me or use my data in any way?

What about the default under their name on my credit file?

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doesn't prevent them from either.

 

the default would have been placed by the original creditor...who was? and what type of credit was it?

 

as long as cabot did not change that date, then its a true reflection of the way you operated the credit

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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Post 2 q's please

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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  • 4 months later...

answer the questions in post 2 please

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

doesn't prevent them from either.

 

the default would have been placed by the original creditor...who was? and what type of credit was it?

 

as long as cabot did not change that date, then its a true reflection of the way you operated the credit

 

Sorry, It was a catalogue credit debt with Express Gifts

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Retitled and moved to CAT forum.

 

Under the rules they are quite entitled to contact you.

However until they comply with the CCA request

You are equally entitled to ignore them

Until o r unless they comply or issue a letter of claim

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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  • 2 weeks later...
On 2/19/2019 at 11:47 AM, dx100uk said:

Under the rules they are quite entitled to contact you

How often though? And how much constitutes harrassment? I get a letter a fortnight and about 5 calls a week. 

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Keep a log

You never know but it's all a dca can ever do anyway as you know

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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  • 2 months later...
On 19/02/2019 at 11:47, dx100uk said:

Retitled and moved to CAT forum.

 

Under the rules they are quite entitled to contact you.

However until they comply with the CCA request

You are equally entitled to ignore them

Until o r unless they comply or issue a letter of claim

I've been ignoring the calls and letters. Now they have sent a letter from another company saying that they want me to contact them or they will send a representative. What do I do? 

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Ignore them. This is an unenforceable debt as no copy of CCA available.

 

If you write to them, they may try again to get hold of CCA and who knows second time around they may be successful.

 

The letters they send are just template letters. Yes some of them do use commission based field agents, who may try to visit you to ask about why you are not making payments. But these field agents have no powers and if they did visit, you don't have to speak to them. If they did knock asking to speak to Mr X, you would just answer, sorry, I don't deal with anyone at the doorstep.

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