Sorry Aspirante, one of the reasons I hesitate to post is because I’m fearful I’ll make a mistake. If you check out the thread I suggested you’ll acquire a deal of insight into the workings of a DCA. As far as I can tell a number of different things can happen, the Original Creditor (OC) can employ a DCA to recover the money, if, after a period of time, no collection has taken place the effort becomes too costly for the DCA and they send it back to the OC or if the debtor begins to request responses that involve legal activity or knowledge then the collection is passed back to the OC. The OC can then ask another DCA to try and collect the deb

Well, I think you can add it later to your package.

If I can help I will, Andy. Does your friend have a collection schedule- supposedly showing how much will be taken from him each month. Get him to get copies of the information sent to his employer telling them how much to take from his wages. In the same way he would with a bank or (probably more similarly) a DCA, tell him to take copies of all of these things and send them special delivery with an official complaint to the office who has been dealing with his case. It would probably be a good idea to get the post office employee he sees to sign each photocopy to prove it is a true copy of they original document- he needs to

Guide to help you complete AQ: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html Mediation service, tick no - the defendant has had plenty of time to negotiate with you priory to you commencing your claim Witness & Experts - No Section G - other information - if you've got my little extra's you will be listing them on a seperate sheet.

For your sake and your daughter's I hope not, Tilly. At least you might be able to avoid a hostel- that's not always pleasant from OH experience- and I don't mean to scare you! Perfectly nice people are there to, eg my OH at one point. (Until I rescued him, bit like the cat from the RSPCA;)- except without the neutering)

Thay tried to pass the T & Cs shown off as the original in my disclosure list, but didnt have the guts to argue in court settled 'without admission of liability'. Look at the evidence, on the T & Cs says that Monument is a subsidery of Barclays Bank, so why is the reply card stamped Providian National Bank? The reply card cites section 21, but this is missing in the T & Cs so if the latter were the originals the creditor has still not complied with Section 78 because it has not supplied [every] document refereed to in the agreement. And the Piece de whatever, it is stamped (we an argue in court that this does not comply with

Paul can you send me a copy.

If the trolls had a constructive arguement then fair enough, people would probably respond and debate the issues raised. That would require one thing though, the ability not to label people without knowing the full circumstances.

Well said Enron. I find it hard not to be distracted by these troll-posts, and have precious little time and/or concentration to have it wasted. Responding to them is futile, this is how they get their 'kicks' and it's very sad that this is the best they can come up with. Every post I've seen by this troll(s) has been deliberately provocative. The first was blatantly so and removed (yay to the Mods! ). I can't help but think that they seek reactions the same way the DCA phone operators seek reactions - if they damage people by what they say, I imagine they sit back with a self-satisfied smile... To them it's a 'result'. It's nauseating a

Yes, I have never looked back since you gave me my very first advice on CAG - I hope things are good for you too.

Data Protection Act 1998 - Subject Access Request Dear xxxx Your Ref xxxx I do not acknowledge any debt to your company or to any company who you claim to represent. Please supply me with all of the personal data that you hold to which I am entitled under the Data Protection Act 1998. In particular, I require a complete list of transactions and charges relating to my entire account history with your "client" including, but not limited to, the following : a) Full details of any Monetary Judgement that you may have in your possession. If you are not in possession of a Monetary Judgement, then I require con

I was with CCCS until last November. As PriorityOne pointed out, they are backed by the financial institutions so their priority is to get you to pay under the guise of helping you with your debts. They are alright for taking the heat off when your debts get out of hand BUT they are not a long-term solution and they do nothing when any creditor starts to get difficult so that wouldn't help you with Link. I got out when their admin became a total shambles. I got a call one morning from DLC asking me to pay more and that was the end of CCCS for me. It was also the end of my debt worries. I CCA'd them all and I had as much debt as you do, Slippe

Es victim - as you will appreciate, that this is another users thread.This is a forum which relies on input and discussion from users actively discussing things openly..Asking users to send emails or pms in the course of discussions here is not a help to those who are here to find it,and neither does it serve to assist to broaden knowledge and experiences that will benefit users. For these reasons please observe site rules and guidance. There is no reasons why those with information that will benefit those interested,cannot be openly posted and discussed here.

Sorry for being to analitical just want to get it just right first time lol i would have gone through countless drafts by now lol.

Report them to TS and OFT under the CPUTR 2008 and the UCPD as soon as they request payment whilst still in default of your CCA request

No this is not correct while the blank agreement they have sent MAY satisfy the requirement of a s78 CCA request, to enforce this account in court they would have to produce the original signed agreement or a photo copy of the original signed agreement. Both Littlewoods and J.D.Williams tried this approach we my wife's accounts, Littlewoods wrote off the account immediately I wrote to them pointing out no agreement = no debt and J.D.Williams settled after I started court proceedings they would not take the case all the way at court due to them having to produce the original agreement at court. dpick

Well done Simon, nice result. And just to add a bit of frivolity to the thread, I found this :D:

do I? pass the hanky.

Icecool - SD's are issued with no reference to the court at all, they don't need stamping or anything. The SD will have to comply with a required layout and terms etc. for it to be VALID. But there is no such thing as a fake/real SD. They are not issued via a court like applications for CCJs. If it does not have the prescribed layout and terms; then you could argue to have it set-aside on those grounds; or if they ever proceeded to bankruptcy, then at that point you could argue that the SD is NG. But you should save that for later - assume the SD is OK; BUT remember that the creditors issue SD like confetti, in the hope of scaring

Letter posted

Hardly off-topic, however - the discussion still centres on the behaviour of rodents.

Practice Direction 52, accompanying CPR 52: Some other points. 1. The appeal will be based on the facts before the original judge. 2. You will need your original trial bundle as it went before the DJ, in addition you will need to make up an appeal bundle CPR 52 tells you what has to be in it. 3. The appeal judge will not listen to the tape, the appeal bundle will need to include a transcript of the judgement. If your are going to challenge the error of procedure then you will need a transcript of the relevant exchanges between you and the judge. They will not let you have a copy of the tape (if it exists).

oh, they are. (BTW... tilly... it wasnt Kenny that changed the pictures )

Thanks for posting Paul. That's why I started the thread, so others could vote and add their opinions. Then, pass things onto the forum mods. Personally I think the thread should at the very least should have a link somewhere, so it doesn't get lost. There's too much important info and positive vibes contained in it.

I would respond to their letter and copy it to the court. I suggest you say something like you have been away, but that you had understood that once the matter was subject to legal proceedings that you expected (as a litigant in person) to receive instructions either direct from the court or at the very least from the defendant under the CPR rules. Not sure what anyone else thinks.

If they were ordered by the courts to do something and have not ,it is good for you,do you have another date to go to court ,

You've also mentioned seeing an ad for an IVA ? These are all over the place and shouldn't be touched with a barge pole, IMO. Anything that the Gov. provides to "help" people usually turns out to be exactly the opposite anyway.... simply because most of their mates work in the finance industry in the first place.

Sirensinger, you have to realise that many employees within TS have very little knowledge of the Consumer Credit Act and many County Court Judges probably know no more than many members of this forum about the Act. So when presenting your case, it is as well to include certain rulings from higher Courts and by leading Law Lords to educate your Judge so that he would not be bamboozled by the flimflammery of the opposition solicitors. In a Court of Law how could any Judge acept that a blank contract proves anything. Where is the amount of the loan; the length of the repayment; the interest rate;was there an interest free element; what

no problem Martin, it may still be a very wrong system, but it prepares people for what to expect rather than leaving them thinking with their hopes up. Emma, in your position I would go through the complaints process. A crisis loan is just that, for a crisis. 6 weeks to process an application for an individual/couple/family in a situation which constitutes a crisis is not acceptable. I appreciate staff resources may be low, but that is not your problem, it's theirs, and if it is affecting their service to customers it needs to be addressed. Things can't change if people don't take matters further.

Try walking into a branch with the letter and cash - a mixture of change that they have to count

Tilly, I know you Knew it was coming, but it doesn't mean it isn't rough. You are doing brilliantly. Hopefully you can get an earlier appointment with Mr Housing. I've been there myself (though the eviction was for rent arrears caused by the council HB problems) and they were helpful. I had to choose three council areas that I wished to be housed in. Be definite about which areas you will want to live in. Don't just pick an area because you have more chance of getting housed there asap. (I was in Manchester and ended up in a flat in Moss Side with junkies for neighbours so choose wisely:rolleyes:).

Their letter says that a default was registered against your account because you had come to an arrangement with them to pay less than 2.5%. It does not say that they sent a default notice. I think that they should have sent you something, rather than just registering a default. If you look at the Information Commissioner's advice about defaults, it says that an "arrangement to pay" marker should be attached to the account, not a default unless the arrangement has broken down. On that basis maybe you should make a formal complaint against them

Might be of help for somone. From £1 one way. National Express // Seat Sale

Send this to them by recorded delivery and do not hand sign it... Dear xxxx Account Ref xxxx Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on m