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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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Help required please HPH2 Debt Letter re old AALoan


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Hi, new on here.

 

I have also had same letter arrive (in my previous married name even though i told them my new surname)yesterday stating HPH2 taken over the debt.

 

Yes i have a debt, stupidly entered into during marriage but genuinely thought if we split debt would be shared between both me and Ex husband.

 

This is an AA Loan of £3920 Ex has gone underground so now after just me.

 

Statue barred could you explain if it is from last payment made or last communication with debt company.

 

I communicated 2014 advising financial situation and it went on hold.

I last made a payment to AA in 2012 i think when i just couldnt manage payments on my own.

 

Could anyone advise do i contact them and wait the high demand for money or sit tight and see if they try again.

 

Thank you for any help.

Edited by dx100uk
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As with that other thread

Send our sb letter

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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Thank you.

If it isnt SB what will sending the letter trigger as i dont have a definate when i stopped being able to afford the repayments, but have a definate date when i communicated with the Debt Agency. Sorry just worried it will trigger some court action or something if not passed the 6 years.

 

Having read the information on SB because i acknowledged the debt by asking if they're chasing the other signature on the loan back in 2014 and offered £1 per month which was never declined or accepted that makes only 4 years 3 months so not the 6 years.

 

As i have not moved home only remarried i think i may be out of options and avoidance for 20mths could be hard.

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the letter is only a NOA is it not?

its not demanding anything.

its just one that they must send if they transfer assets around their group.

 

as far as your letter in 2014 goes.....

we've not seen a court case here whereby the fleecers have won by using these letters

may sent under duress or under a mistaken belief that a DCA holds some magical powers and must reply.

 

either leave it or send our SB letter

even if they reply with ref to your comms, I cant see them risking it meself.

its clear a payment has not been made within 6yrs

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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